23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

I received a certified copy of the TX title by mail from Ally Financial on XX/XX/XXXX. I have had numerous issues trying to transfer title with Ally, and have submitted other complaints with the CFPB. This is a BRAND NEW ISSUE, but related to my previous issues. 

I attempted to transfer lienholder at my DMV and am having a very hard time convincing them that I could NOT have filed sooner because of the delinquency and errors committed by Ally in providing me with the title of the car I purchased through a lease buyout on XX/XX/XXXX - XXXX am being assessed hundreds of dollars in penalties now and tons of extra hassle. I did not have a title from Ally within 30 days of the sale, which was XX/XX/XXXX, and is required by law. I received it XX/XX/XXXX after many attempts to get in touch with them and much hassle and headaches. That title had a glaring error : the odometer statement was wrong by XXXX miles ( too high ), even though I had provided all the odometer statements, etc., to Ally in order to transact. I went through a process to get that corrected with Ally, and also suffered consequences with my new lender, XXXX XXXX XXXX XXXX, because I was delayed in recording them as the new lienholder. XXXX XXXX XXXX XXXX hiked up my rate to 14 % from around 3 % because I was delinquent in recording them as the new lienholder on the title, EVEN THOUGH I HAD NO TITLE TO ACTUALLY FILE BECAUSE ALLY STILL WAS CORRECTING IT. I received a corrected title with the correct odometer reading as per the odometer statement on XX/XX/XXXX, after much hassle and stress in dealing with Ally. THIS IS 5 MONTHS AFTER THE DATE OF SALE. 

Looking at the affidavit that was signed by Ally Financial, which accompanied the corrected title ( sent XX/XX/XXXX ), it appears that there is one new error on the affidavit. The car YEAR is XXXX in actuality. On the affidavit, it reads " XXXX. '' Furthermore, in the affidavit, the reason that Ally Financial provides for the title reassignment is a misrepresentation of the truth ( please see attached ). The TRUE reason for the corrected title, and should have been cited on the affidavit was for the ODOMETER ( that is an option on the affidavit ). Instead, Ally alleges it was for " Other '' : " during reassignement ( sic ), the agent has made a strikeover on the buyer 's address in error. The address should be read as " XXXX XXXX XXXX '' NO FRAUD INTENDED. '' THIS IS A LIE. There was never any issue with the address. Please see the original title with the address clearly stated and with the WRONG odometer reading, and the certified copy of the title with the CORRECTED odometer reading. THE ADDRESS HAD NO STRIKEOVER AND IS CLEAR, NEVER WAS THIS AN ISSUE. THIS IS A LIE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I have been disputing my account with Wells Fargo for my Home Equity Line of Credit ( HELOC ). I have sent certified letters, regular mail and called to speak with the representatives of Wells Fargo. 

I have disputed all of my credit reports with Wells Fargo because they are reporting as if the account is currently delinquent and they are not reporting all of the account payments prior to XXXX. This account has been a charge off account for years and each time that I dispute the account it is re-aged as if it were a new delinquency showing as a collection account, not a charge off account. 

I have spoken with a representative of Wells Fargo and informed him that I received a letter back and it stated that the account is still CONSIDERED collectible with an outstanding balance. 

I explained to him that I have read the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCRB ) as well as the Statute of Limitations on filing with a collection agency and the courts. The representative put me on hold to speak with a supervisor and then explained to me that the account is not scheduled for expedited collections but I will periodically receive letters for the balance. 

I requested a letter from Wells Fargo and that they report the account accurately as stating in the FCRA AND FCRB and that I understand that the word Considered is synonymous with may and that Wells Fargo may file with a collection agency or they may not file with a collection agency, which from my understanding violates my rights. The home was foreclosed on and I only requested accurate filing status because it has stopped me from gaining employment due to inaccurate filing on my credit report, which I believe is an intentional act by Wells Fargo. 

I was informed that notes would be taken and forward to correct any misfiling on my credit reports, which has not been done to date.
Product: Debt collection

They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector
Product: Payday loan, title loan, or personal loan

I've tried to make payments other than the monthly amount to pay down the principle amount on the loan and yet they still ( annex ) the interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

A check for {$2300.00} was mailed to Comenity Bank to pay the full balance of my XXXX XXXX credit card, on XX/XX/23. the check was applied to the account according to their website on XX/XX/23. The account was overpaid by {$200.00}. Yesterday I emailed them and requested the {$200.00} I overpaid be refunded to me and received a response that the refund request had been made and to wait 7 days for the check. 

Today I logged into check on things and the website shows that the {$200.00} credit has been reduced to {$150.00}. Reviewing the account it clearly shows interest being charged the day AFTER the account was paid in full. I do not believe these charges are valid and want them reversed. I called the company and spoke to 2 different individuals XXXX ( I may be remembering their name wrong ) first and then a supervisor XXXX. Both insisted that they can not reverse the charges, and XXXX insisting that they are valid. The first person I spoke with also said that the payment posted on XX/XX/23, but as you can see from the attached pdf of my account ( account summary.pdf ) it says it was posted on XX/XX/23. 
According to the dates on their website after logging into my account, the charges were posted after the balance was paid in full. I have read my account statement and I do not see anything that says they can charge interest after the balance is paid. I want the charges reversed and my full overpayment of {$200.00} refunded to me. Thank you for your time and assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Accounts Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of charged-off accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and any related entries on my credit report. I believe these accounts are being reported inaccurately, incompletely, or unverifiably, and I request their immediate investigation and permanent deletion from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 and other applicable provisions.

Account Information : Creditor Name : XXXX XXXX / XXXX XXXX XXXX Creditor Name : XXXX XXXX Reporting Agencies : Experian Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information bear the responsibility of ensuring the accuracy and integrity of the data they report to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate.

The continued presence of these accounts on my credit report constitutes a violation of my rights under the FCRA. If XXXX XXXX and its related entities can not provide documentation verifying the accuracy of these accounts, they must be permanently deleted. Additionally, FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy and notifies the consumer within five business days, a standard which I demand be upheld.

Fair Resolution Proposal : To resolve this matter fairly and amicably, I propose the following : Permanent deletion of the disputed accounts from my credit file if the information can not be substantiated with proper documentation. 

Written confirmation from XXXX XXXX, XXXX XXXX  and related entities that these accounts have been removed and will not be re-reported to any credit bureau in the future. 

Assurance from the credit bureaus that no further unauthorized or inaccurate information related to these accounts will appear on my credit report.

Implementation of internal compliance measures by XXXX XXXX and the credit bureaus to ensure adherence to the FCRA and prevent similar issues from occurring in the future.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies as provided under the FCRA. I request that you complete your investigation within the 30-day period mandated by law and inform me of the resolution in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was doing a loan and the company deposit XXXX into my checking. I was asked to send the money to my cash app account and send the money to verify. Than we was suppose to start the loan. The loan was never processed and my bank paid the XXXX now my account is negative because the couldn't retrieve the funds from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 ) XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 3 ) XXXX  XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX  XXXX  ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran ; XXXX % with the VA and XXXX XXXX XXXX XXXX XXXX. I had student loans XXXX in XXXX of XXXX due to total and XXXX XXXXXXXX and was XXXX XXXX at that time. 

Most of the student loan companies stopped reporting at the time of discharge in XXXX. Those accounts appear as Paid with a {$0.00} balance. Two of those loans continue to update/ report negatively as 120 days late by the Department of Education/Nelnet XXXX 

This damages my credit due to it being the only negative payment information on my reports at this time, and it costs me a very good credit rating, resulting in less desirable rates for financial products.
Product: Consumer Loan

XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.
Product: Payday loan, title loan, or personal loan

Told them to stop sending emails have not stopped yet. Has been non stop emails since XXXX. XXXX XXXX ( XXXX ) -XXXX-XXXX. This person has numerous cellphone numbers send Lending Tree advertising and text messages about loans. The company did nothing about this in fraud. Please have them STOP. XXXX received another advertising this is constant. This has to Stop.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the lack of response to the multiple disputes I submitted to TransUnion, XXXX, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX amount {$360.00} date opened XX/XX/2015. This information is outdated.
Product: Credit reporting

In reviewing my credit reports I noticed that information on my Trans Union report had been deleted including XXXX tax liens and inquiries however at a closer look I noticed that the information that was deleted had been reinserted. Trans union had a glitch in it 's system that violated my rights as a consumer under section XXXX. As result I 'm asking that all inquiries and public records be removed as it has gravely affected me and my credit score is suffering as result of this action
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Debt collection

I asked them company to send me a bill of sale or proof that they own this debt. I only received bills. I need them to delete this off my credit report. They are violating my rights. I need to know who owns the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and TransUnion. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Prepaid card

I used my Coinbase debit card on a XXXX XXXXXXXX XXXX trip at several gas stations and hotels. These businesses put funds on hold on the card. Gas station pumps put holds on funds higher than the amount of purchase. These holds are typically released within 2 business days. Same with hotel security deposits. I've got hundreds of dollars worth of holds on this card that have been released by the merchants, but have not been released on Coinbase 's end. It's now been weeks and I have not had my funds returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Upon contacting Coinbase, they are trying to avoid accountability by telling me that the merchants have not released the holds. This is not true, as I have contacted the merchants to confirm that the funds have been released on their end. It wasn't until I threatened to report them to the CFPB that they've decided to " escalate '' the case to a specialized team. That was days ago and I still have not got any updates. Funds are still being held.
Product: Debt collection

re : credit debt collector LJ Ross Acct # XXXX DTE Document # / Case XXXX Received billing from LJ Ross collection agency regarding DTE energy bill for utilities used at XXXX XXXX XXXX XXXX XXXX. I have never lived at that address or know anybody from that location.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed a XXXX XXXX XXXX over five years ago. The mortgage was not included in the filing of the XXXX XXXX. We paid the mortgage separate from the bankruptcy payment. This bankruptcy has been discharged. Rocket Mortgage/Quicken Loans has been notified multiple times of the discharge and asked to correct what is listed on my credit report. I recently filed a dispute in reference to their report to the credit bureau that my account is " Closed '' and " Potentially Negative ''. All payments were made on time and correct amount to our mortgage during the bankruptcy. They have reported XXXX payment made. The response from their company to my dispute was " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Product: Debt collection

West lake financial has repeatedly called me over last year several times a day everyday after being told to stop calling me They have called, emailed, mailed harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.