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

I am tiling 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 process 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 this violation. On XX/XX/ 2024, I sent a cashapp transaction of {$140.00} to a user in order to purchase tickets for a XXXX XXXX game. I received the tickets however they were fraud. I contacted cash app and was unable to get ahold of them after trying over and over to reach them and never heard back about my transaction. I do have screenshots to support my transaction.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.
Product: Credit card or prepaid card

Your problem definitions do not cover this issue. I continue to receive calls on my phone from " unknown '' callers or banks I have no business with asking me to call them. When I do call I get " SYNCHRONY '' bank payment line. You go through an extensive automated system and when you enter the extension it says enter the last four digits of your account number. Ok I have about 8 accounts which one- duh? Under the FDCRA they are supposed to identify who they are and the purpose of the call. They do not do any of this. I do NOT answer unknown callers due to spoofs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has XXXX my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXXXXXX # 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, XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This problem started after I was XXXX XXXX and the person stole my wallet then draining my cards including my california unemployment debit account with Bank of America. This was XX/XX/XXXX. I report this and then was giving back a credit to my account as bank of america approved my claim of fraud and credited my account XXXX XXXX I provided information from the police report I had filed when this happened. Out of nowhere on XX/XX/XXXX my account inoticed wouldn't let me withdrawal the {$500.00} I had in it so I called Bank of America and they told me to call XXXX. When doing so I was told my account was frozen and I needed to provide identification for verification so I did and finally it went through on XX/XX/XXXX according to Ca XXXX. All the while my b of a account was in the meantime in the negative out of nowhere I learned since XX/XX/XXXX and continued rejecting payments and putting me so far into the negative the when I called Bank of America recently for the millionth time regarding this ongoing three mobth ordeal they told me that on XX/XX/XXXX XXXX payments were deducted by Ca XXXX causing all money tht was in my account was taken and my account was then put so far into the negative that anything that was deposited which wasn't anything close to the rightpaent amounts and schedule was immediately deducted due to my account being so far into the negative for God knows what reason.then on the XXXX of XXXX until now XX/XX/XXXX all payments were rejected said the bank of america claims person and told me XXXX has to reissue all payments from XX/XX/XXXX until now so I called XXXX. They said they put me on a emergency list for their finding specialist and I would have my money back within XXXX but probably at before then. I was so happy finally after months to hear this.it has now been over a week now since they said this.nothing has changed. Still none of the XXXX $ owed to me has been repaid. Now in the past three months almost that this has been going on i have lost my place of living and am now homeless as a direct result of this. I have lost countless things and this has caused great problems in my life.i now have nothing and can not live normal day to day life.it has ruined everything I had going and it won't end. I just want my money back. Please help me! I can't even afford to eat every day.
Product: Money transfer, virtual currency, or money service

WE HAVE BEEN USING PAYPAL SINCE LATE LAST YEAR OR EARLY THIS YEAR BUT WE HAVE HAD MORE THAN A FEW TRANSACTIONS THAT WERE PROCESSED VIA PAYPAL, SO WE ARE NOT NEW. WE HAVE HAD SOME TRANSACTIONS OVER A {$1000.00} AND THIS TRANSACTION IN QUESTION IS FOR A FURNACE INSTALLATION WHICH WAS COMPLETED AND PAID FOR ON XX/XX/2020. PAYPAL INFORMED ME THAT THIS IS AN UNUSUAL TRANSACTION AND OUR MONEY COULD BE HELD FOR 3 WEEKS! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ARE AN HVAC COMPANY WE HAVE MANY TRANSACTION THAT ARE LARGER THAN THAT THEREFORE IT IS NO REASON AND THERE IS NOT A CUSTOMER DISPUTE REGARDING THE MONEY EITHER THE CUSTOMER IS VERIFIED AND I PERSONALLY KNOW THE CUSTOMER WHICH MAKES THIS WORST. WE NEED OUR MONEY AND I WILL NEVER PROCESS PAYMENTS VIA PAYPAL AGAIN FOR MY CUSTOMER TRANSACTION THEY ACT LIKE THEY ARE LOANING ME MONEY I HAVE EARNED AND NEED TO SURVIVE! 

NO ONE ANSWERS THE PHONE AND YOU CAN'T COMMUNICATE VIA EMAIL OR ANY TYPE OF CORRESPONDENCE. PAYPAL CUSTOMER SERVICE IS NOT FUNCTIONING AT ALL PER THEIR MESSAGE, SO WHO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX STOP THE PAYMENT FROM PROCESSING TO OUR ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ DATA sent letter agreeing to remove fraudulent collection but is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a report from lexisnexis what you will see, Also what I will prove are two facts 1. they have my address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have attached a copy of my licence showing my correct address XXXX XXXX XXXX XXXX XXXX NY. Moreover I have never resided at XXXX XXXX XXXX XXXX XXXX as listed on their report. 2. Also take a look at their report it has a licence listed as NJ. I have a New York licence. I have attached a copy of my license as said proof. As you can see with their report attached they have incorrect also misleading information they have been providing insurance companies. How is this legal they are a fraud. As a result of lexisnexis false reporting I have suffered higher insurance rates. This has to stop immediately. I have enclosed the facts please review have them corrected immediately.
Product: Debt collection

SOMEONE STOLE MY INFORMATION AND OPEN AN ACCOUNT WITH XXXX XXXX
Product: Credit card

I mailed a payoff check but apparently the company XXXX XXXX during business as The Swissy Colony never received the payment. Unfortunately, I can not find that last bill or the check book. I tried to reset my password to view my payment history but I never received a password reset via email from Swiss Colony. I did notice that the envelope window is very narrow and any shift in the statement could cause a mishap. My current bill is {$330.00} effective XX/XX/XXXX with a closing date of XX/XX/XXXX. I called today and was advised my last payment made was XX/XX/XXXX of {$81.00}. I never received an XXXX bill but I received one this week saying I was past due {$30.00} and my next due date is XX/XX/XXXX. I have been mailing this bill every month but creditors are beginning to make it very difficult to choose to mail in payments with instances of checks never reaching there destination. I will send a payoff again today via certified mail so that I can better track it. Additionally The Swiss Colony XXXX number will have a customer on hold almost a half hour then disconnect the call so that you have to start over an call again. These types of actions by a creditor negatively impacts being able to resolve a credit issue. I have requested to close my account but was advised by the representative I will not receive any confirmation that the account has been closed not even once it's paid off in full.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> TransUnion XXXX  XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion
Product: Credit reporting

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiry reflecting on my credit file. I was advised to contact the company and advised them to remove the inquiry ; however, when contacting the company they did not see the inquiry on their end nor did they have account information on me. When calling Equifax back the representative informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. Unauthorized hard inquiry is XXXX made on XXXX/XXXX/2016. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.
Product: Credit reporting or other personal consumer reports

NOTHING HAVE BEEN REMOVE ITS PASSED THE 90 DAYS AND IT HURTING MY CREDIT REPORT
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 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 process 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 those violations.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They E_oscar the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are ILLEGALLY reporting income. According to 15 USC 1681 ( b ) INCOME IS NOT REPORTABLE!!

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title 26 1.6050P-1 12 C.F.R. 1.61-12 I have sent them this information in disputes to no Avail!!! 15 USC 1681n Liability for noncompliance.

These companies are securitizing peoples data. SEC I will be filing a 211 report if this isnt fixed immediately
Product: Debt collection

I received an account summary from IC System on X/XX/2017 stating I owe {$190.00} to the original creditor XXXX. I sent a debt validation letter to IC System on X/X/2017. The letter was sent certified mail and was received on X/XX/2017. I never received validation of said debt. On X/X/2017 IC Systems reported the debt to the credit bureau as a collection account opened X/XX/2017. This is not my account. I disputed the account with another CA and it was removed from my CR X/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX XXXX XXXX  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX, SC XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX Balance : {$63.00} XXXX XXXXXXXX Balance : {$93.00}
Product: Debt collection

I contacted the company initially on XX/XX/XXXX about a credit alert entry logged to my XXXX credit report. The debt was for {$54.00} from LVNV Resurgent for an original creditor of XXXX XXXX XXXX XXXX XXXX tied to account XXXX. I contacted the company via the contact number on the credit entry. The company has never attempted to contact me about this debt. I advised the company I have been a victim of identity fraud between XX/XX/XXXX and XX/XX/XXXX and advised of another account that was opened for the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have never lived at this address nor consented to anyone at that address to start utilities in my name. I have lived in NC since XXXX and provided the company with leases, utility bills, police reports, ftc avadavat of identity theft notarized and the company refused to remove the debt. I have complied with all requests from the company to furnish all documents and they continue to repost the debt to my account. The original creditor failed to properly validate the person who opened the account identity. I have repeatedly asked for copies of the documents used to open the account to no avail. There are no leases to show I was a renter or even occupant of the address no XXXX  or etc. Short of legal action I am at a lost why the company refuses to remove the debt. I have impeccable payment history and have not had an collection account since XXXX yet the company feels as though I would fail to pay a {$54.00} debt. The debt is not mine and I need support in addressing this company. The company has also relisted the debt on my credit with a balance as well as the original creditor which is illegal.
Product: Money transfer, virtual currency, or money service

Hi, I was the victim of a sms message phishing attack on XX/XX/2021. I received a fake text message saying someone was attempting to withdraw bitcoin from my Coinbase account. The message said " if this is not you then click this link ''. Well I regretfully clicked the link and that's how the hackers were able to gain access into my account. They then proceeded to withdraw 1.49 bitcoin ( around {$75000.00} ) from my account. However, I had 2FA enabled in my account for any withdrawals, so I'm not sure how they were able to make a withdrawal. 

I have the phone number the message came from, the IP Address, and the bitcoin address my money got sent to. But that is it. I have attached the email confirmation I received when this unauthorized withdrawal went through. I also attached a screenshot of my recent account activity showing different IP addresses that had logged in. XXXX is the one the hackers were using. I also included a screenshot of the fake message I received. 

Is there anything you can do to help me? 


Thanks so much for your time. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX  XXXX, Experian has received several ( al least 6 attempts ) to validate or remove the account. Experian has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to Experian asking for this account removal. Experian has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries on my credit that report that need to be removed immediately. 


EQUIFAX MORTAGE SER XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they couldn't remove the inquiry and that I had to call the credit reporting company
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Credit reporting

I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.
Product: Credit card or prepaid card

Around XX/XX/XXXX I deposited {$190.00} to get a secured credit card from capital one. I waited the 14 business days for the card to arrive and it never showed. Around XX/XX/XXXX I called to have another card shipped, because things happen and I try to be understanding. XX/XX/XXXX rolls around and still no card, I call again and say try sending it to another address I can accept mail from, XX/XX/XXXX appears and still no card. I call capital one again and close my account and ask for a refund, they say it will take 7-14 business days. Today is XX/XX/XXXX, no refund and ANOTHER call was made to capital one, I was immediately re routed to their bot after waiting 10 minutes for this representative. After about 20 minutes of navigating this ridiculous procedure, the bot tells me that my refund will be Mailed in 60-90 days. Im still waiting for a call back and I have doubt that my money is being sent back ( if they cant mail me a card over 4 months, how am I to believe my money will be properly mailed to me? ) 0 out of 5 stars Capital One I thought was one of the better businesses out there and as a small consumer just wanting my money back so I can pay my bills, Im absolutely disappointed.