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

i am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the 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 process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, jpmcb name : # XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This company has submitted a vehicle in my name without my permission and placed it on my credit report without my permission. the law under 18 USC 1028 states that passing personal information without my permission .According to FCR a section 605b it is illegal to report information on my credit report without my permission.
Product: Credit card or prepaid card

So, last time I was on the phone with b of a prepaid regarding my edd account, I was told that actually, multiple cards remained active at the time of my most current card being active. So I believe I have a right to file a claim on my entire account since they dont even know which cards are active at what time. But they refuse to let me file a claim.
Product: Debt collection

XXXX XXXX XXXX is contacting me repeatedly Ive sent them a letter on XX/XX/XXXX to ask them to validate the they still continue to call me and leave threatening voicemails and didnt validate it. They are calling from different numbers and leaving different numbers to contact them on my voicemail. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX leaving different contact numbers on the voicemail. They dont ever say the name of the company. I search the number on XXXX and found the name. They sometimes even say they are PRG on the voicemail.
Product: Debt collection

I received a letter from a company called NCC. They do not explain who are they are. I received a bill from the County of XXXX. I do not live in XXXX county. This bill does not explain what the charges are. Interestingly, the company is charging {$85.00} in fees and {$44.00} in fees and a previous balance of {$170.00}. I will call XXXX county myself but I WILL NOT pay these made up fees. I want to warn the CFPB that this company is attempting to collect fees from people that are not owed. If they are doing it to me, they are doing it to other people.
Product: Debt collection

I request information from XXXX XXXX. List of all payments, Validation of debt, License to collect in my state, Chain of custody of alleged debt. They failed to provide all the requested information. I request to Delete this collection off my credit report! As, they sued without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Checking or savings account

I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX  THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. 
AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX / 2016  I had a  XXXX   XXXX  " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with  XXXX   XXXX   XXXX  through the  3rd  party websit e (   XXXX   ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro  m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began.
I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas  on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of  XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.
Product: Mortgage

To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You XXXX XXXX
Product: Checking or savings account

I am writing a formal complaint on behalf of myself XXXX XXXX, and my daughter XXXX XXXX XXXX XXXX of XX/XX/2025, against First National Bank of Omaha ( FBO ), located in XXXX, XXXX, due to an unlawful transfer of funds, from First National Bank of Omaha , owned by XXXX XXXX XXXX routing number XXXX, checking account number XXXX to First National Bank of Omaha checking account , owned by XXXX XXXX, routing number XXXX, account number XXXX, in the amount of {$240.00}. The funds that were used to fund the account came from an outside source and no authorization was made to transfer these funds elsewhere. I am requesting to be indemnified with the restoration of funds to my checking account from which the funds were originally exited out of as again this transaction was not authorized by me XXXX XXXX, nor XXXX XXXX the account owner of the First National Bank of Omaha Checking account XXXX routing number XXXX, account number XXXX. 

Thank you for your assistance, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo admitted on XX/XX/2021 that they do not have any original loan documentation in their possession. They have failed to provide me the debt verification that I requested. Please stop sending me copies of a contract, copies of a online credit application and copies of database transactions. As those documents are not proper validation by law pursuant to 15 USC 1692 ( g ). Please remove this unverified invalid account from my credit files immediately.
Product: Debt collection

Credit Collection Services has reported inaccurate information on my credit report. This has turned into a Collection which is first of all a violation as a consumer. This was opened on XX/XX/2022 with the account balance of XXXX I have no known knowledge of this information. I've also reached out to the company regarding this matter of this being a cause of identity theft, I've completed my police report regarding this matter.
Product: Debt collection

I have paid {$73000.00} to XXXX through ACSI and this student loan payment ( and related wage garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). ACSI has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has not only doubled related the already paid {$73000.00}, but on XX/XX/XXXX ACSI sent a second order to garnish wages for an unknown new amount of {$16000.00}. ACSI has lost paperwork, misapplied payments, added surprise late fees and also ignored the delayed processing of payments from the original lender XXXX. The original Doc ID - XXXX payments were completed in XX/XX/XXXX with a final payment of {$920.00}. And then a year later, an unknown additional amount was filed with my employer with no supporting evidence. I believe ACSI is attempting fraud related to the new Doc ID - XXXX as I have already paid off my student loan. This is a new complaint that correlates to an older complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is colluding with the CEOs of certain CRAs, and has refused to provide all three CRAs with accurate and correct credit information, using the word, paid in full, yet is refusing to report {$0.00} balance to Experian, XXXX, and XXXX in the proper numerical format that each CRA requires to ensure that my loan payment will not positively increase my credit score. 

I have attached an image that none of my credit scores have changed after the {$130.00} payment in XXXX of XXXX, as of today, XX/XX/XXXX, because XXXX continues to state that customer can not be located, and committed postal fraud, by claiming that mail sent to me was sent back ; although, I am in possession of all communication from XXXX sent via the XXXX Postal Service. in addition to the fact that I am signed up for electronic communication. I will be contacting the US Postal Inspector. 

XXXX also committed fraud by falsely reporting to the CRAs that they can not locate me, they have also refused to report loan balance went from {$130000.00} to {$0.00} balance, paid never late, and can locate consumer. They are reporting loan paid in full, instead of As a result, my score did not increase although, {$130.00} worth of debt has been paid, and resulted in XXXX balance. The manipulation of this information has resulted in my credit score remaining the same with all three credit bureaus, and is affecting my ability to purchase a home.
Product: Checking or savings account

I was an account holder during the years of XXXX to XXXX. I have not been included in the recent settlement reached regarding WF " breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} XXXX. '' What do I need to do to be included in this settlement? 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are showing up on my account that I am unaware of and need them removed immediately.
Product: Mortgage

I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help me.
Product: Credit card or prepaid card

I am writing to complain about the horrendous treatment I have received from Chase bank regarding a credit card that I attempted to close last year.

I disputed 2 XXXX purchases with Chase. One of them occurred on XX/XX/XXXX, for {$100.00}. I purchased 2 boxes, each containing 15 bags of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX Bags. These chips were old, they were of poor quality, and they caused me to have stomach pain after I finished one of the bags. I attempted to get a refund for these chips, but XXXX refused to give me my money back, because they said that I needed to provide them with a doctors note in order to prove that I had stomach problems from eating the chips. The other transaction occurred on XX/XX/XXXX, for {$100.00}. I purchased 7 different jars of XXXX from a brand called XXXX. These jars of XXXX were the absolute worst rip-off Ive ever experienced from XXXX. Each one was supposed to be a different flavor and a different color and texture, but they were all the same, they were all of terrible quality, and they all had terrible taste. Again, XXXX refused to refund me for this purchase. I tried to dispute both transactions with Chase, but they found in favor of XXXX. Since Chase had refused to refund me for these 2 purchases, I decided to close my Chase credit card account ending in XXXX. Before closing my account, however ; I decided to pay off the remaining balance on XX/XX/XXXX, minus these two purchases ( which totaled {$200.00} ). The payment I made was for {$760.00}, leaving me with a balance of {$200.00}. Since XX/XX/XXXX, this account has been accruing a massive amount of interest charges and late fees, and the balance has now reached a whopping {$560.00}. It also appears that there was a transaction made by XXXX on XX/XX/XXXX for {$28.00} on this account, that I closed in XXXX of last year. Somehow, there are still purchases being made on a card that was closed almost a year ago, and both XXXX and Chase are doing nothing to stop this. Chase has been harassing me almost every single weekday with phone calls asking me to pay off the balance. I decided today XX/XX/XXXX to call them and see if they would be willing to make things right with me, but they are again refusing to refund me the money for these purchases, and they are still demanding that I pay the late fees and interest charges that total {$350.00}, which is absolute thievery. I asked the person on the phone in the disputes department to connect me with a supervisor, and after a long 20-minute hold, they just hung up. Ive never seen a credit card company try to steal this much money from a person, and Chase in particular has shown XXXX regard for my satisfaction as a customer. This is unacceptable from Chase bank. I will not pay them this amount, which is unfair and disgusting in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax show a late payment posted on XXXX, XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXX XXXX when I didn't even have a balance owed. 

XXXX, XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}
Product: Credit reporting or other personal consumer reports

I recently went over my credit report and found various billing errors. These late payments do not reflect my regular payment pattern.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request,
violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Statement disappeared from my Transunion credit report. I was trying to update it using their website dispute management section. 


We understand that it is our legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. And that the consumer statement will appear on your credit report and be viewable This dispute deals directly with an ongoing complaint that we have been having with XXXX XXXX XXXX, and their refusal to delete information on the TERMS of our loan that they have not been able to support in our loan documents. I have already an complaint dealing with this same matter, that was distributed to all three of the major credit bureaus. They refuse to remove very negative changes to our mortgage account, that they use in a very predatory manner. So far, and because they have not been able to support the wrongful information. XXXX had informed me that they have deleted the entire account as a solution to the very negative information they refuse to remove. We are pleased with XXXX solution to the three bureau complaint. But has noticed that Transunion has since become the main bureau that allows the negative information to remain on our credit reporting.