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

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 ( 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 these violations.
Product: Mortgage

re : Bank of America, N.A. HELOC Initial Disclosure XXXX.BOA XX/XX/XXXX The Early Closure Fee is explained under " Fees and Charges ''. To paraphrase : BOA will pay our closing costs but if we close the HELOC prior to 36 months, BOA will charge us up to {$450.00} ( the " base fee '' ) plus any mortgage and government taxes, recording fees, and any closing agent or attorney fees BOA paid on our behalf to open the HELOC. In this section, it also states : " If you ask, we will give you an itemization of the fees you will have to pay to third parties. '' Our HELOC was approved XX/XX/XXXX. I asked for an itemization of the fees subject to recapture in the event we closed the HELOC prior to 36 months. I was told that we would receive an itemization of the fees subject to recapture on the invoice if and when we closed the line prior to 36 months, but not before closing. Applicable regulations only require BOA to disclose a cost range for third party fees prior to closing, but we argue that BOA set a higher ( and more transparent ) standard in its HELOC Initial Disclosure when it offered to provide an itemization of the 3rd party fees subject to recapture. Unfortunately, BOA failed to live up to the high standard it set forth in its own disclosure. Providing an itemization of the fees subject to recapture prior to closing would benefit both the borrower and the bank, even if not mandated by regulation. Borrowers would get to consider the cost of the third party fees before deciding to accept the loan. The bank would make the Early Closure Fee more transparent and generate fewer consumer complaints.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report tonight and saw accounts I didnt recognize. I regularly monitor my credit, and everything had been fine until now. I thought maybe my browser was acting up, so I refreshed it, but nothing changed the incorrect accounts were still there. Now, I need the documents I sent to be carefully reviewed, so I can avoid ever dealing with this issue again.
Product: Debt collection

Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX ( XXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Vehicle loan or lease

On XX/XX/XXXX my lease was totaled. I contacted USBank and requested a buyout amount on XX/XX/XXXX. I wanted to exercise my buyout option. The bank provided me with a buyout of {$35000.00}. I was contacted by my insurance company who determined value they were paying off was {$47000.00}. I then received a letter from USBank on XX/XX/XXXX that they were keeping the surplus amount and that a buyout option is not available to me. 

I spoke with a supervisor today who stated that on XX/XX/XXXX USBank changed their policy and will no longer return surplus amounts. I have a sibling who signed the same contract I signed for a different lease with USBank in XXXX of XXXX and he was refunded the surplus insurance payoff. 

How can USBank not allow me to exercise my buyout option when I initiated it prior to the vehicle being totaled? How can they keep a surplus of approximately {$12000.00} and profit from the insurance I am obligated to have?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX One opened on XX/XX/XXXX and another on XX/XX/XXXX both in the amounts of {$570.00}. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XXXX XXXX 2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have troubles submitting this dispute for fraud accounts on my credit report.
Product: Money transfer, virtual currency, or money service

PayPal withdrew and kept my complete funds of {$830.00} on XX/XX/XXXX The last day I was able to use my PayPal account was XX/XX/XXXX. Due to them locking me out of my account. 

When I called PayPal and spoke to a representative they said that the PayPal team determined I was using my account for gambling and there was no way of me disputing it because the PayPal team made their decision. 
The rep went on to say that I would receive a email in 6 months letting me know when I would have access to my account. 
They claim that they needed to put my account on hold to make sure any transactions I had made would be processed. 
I would periodically check my account to see if I had access again I did this at least once a month between XXXX and XXXX of XXXX. 
I noticed a few days after XX/XX/XXXX that PayPal had withdrew my complete funds of {$830.00} and transferred my funds to themselves ( paypal ) Below is the letter I wrote to the president of PayPal but I never received a response XX/XX/XXXX XXXX XXXX, I am writing regarding a PayPal transaction on my account dated XXXX, where your company transferred my funds, in the amount of {$830.00}, as payment to PayPal citing an acceptable use violation. Your company has made a claim against that those funds were obtained through gambling and they absolutely were not. I was originally told that the funds would be held for 6 months and then released to me and then noticed that this had occurred instead. I never agreed to PayPal taking my money. This is extremely devastating because although it may not be much to you, this is A LOT of money for me and I need it back immediately. Please consider this my formal demand letter. If the money is not returned within one week from todays date, I will be reporting this matter along with a formal complaint to the State of Alaska, Division of Banking & Securities and any other entities necessary. 

I would appreciate immediate attention to this matter. 

Regards,
Product: Debt collection

In response to CFPB complaint # : XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the accounts reporting on my XXXX consumer report, XXXX B which is a copy of their response to CFPB complaint # : XXXX, and a pdf of an XXXX report that will be labelled as Exhibit C when filing for litigation in Federal Court to this complaint. 

CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period. '' I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant XXXX XXXX XXXX ( XXXX ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

CREDITORS BUREAU ASSOCIATES stated that " Attached is the documentation of the statement from the original creditor as well as a breakdown of charges and credits. '' As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 

The Creditors Bureau Associates also stated, " The balances have been validated with the original creditor as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the XXXX and the XXXX by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts with Equifax several times they have failed to provide me with XXXX XXXX requested nor properly investigate inaccuracies on my credit report as I have requested them to do so. The following accounts have been sold and are still reporting as active balances each month over 180 days statue limitations which is against the law. Method of verification has not been provided. XXXX accounts should not be actively reporting over 180 days. I want the following accounts removed. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date XX/XX/year> Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a Complaint against Cash App ( Block , Inc. ), because of the non existent customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective precautions to prevent the address for 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 these violations
Product: Debt collection

XX/XX/2024, XXXX Keybank called regarding a debt. In the message she also stated the time of XXXX. It is also on my call log for XXXX. They need to call at a more appropriate time. 

They also should call XXXX XXXX, who is managing my debt resettlement.
Product: Vehicle loan or lease

XXXX XXXX received letter in mail from employer stated they received a written of garnishment from XXXX XXXX XXXX that I owe from XXXX. I never received any court paper from them I only added them to my bankruptcy because it was on my credit report as past due payments/repossessed. They haven't sent me any letters pertaining to this matter and just sent to my employer for 25 % to be withheld.
Product: Checking or savings account

bank of america states i had a account with them when i never had a account with bank of america. After reviewing my XXXX report it shows a checking account with them was closed due to fraud and the amount that is shown is $XXXX. i tried to resolve the problem but i was told i was responsible because i opened the account when i never even bothered to use bank of america. please help to have this problem removed from my XXXX report and bank of americas records.
Product: Debt collection

I am unaware of any contractual agreement or obligation to pay you. I refuse to pay this alleged debt.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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 card

On multiple occasions in XXXX, I discovered unauthorized transactions on my Navy Federal Credit Union ( NFCU ) credit card. The transactions, which I did not make or authorize, were as follows : - {$3300.00} on XX/XX/year> - {$3200.00} on XX/XX/year> - {$8000.00} on XX/XX/year> - {$6500.00} on XX/XX/year> I promptly reported these transactions to Navy Federal and provided extensive documentation to support my dispute, including mailed letters, faxed documents, and e-messages. Despite my efforts, NFCU denied my dispute, incorrectly classifying it as a " billing error, '' although I had clearly reported these as fraudulent charges. 

Navy Federal did not provide any evidence of my authorization for these transactions, such as identification or a signature. Instead, they closed the dispute without resolving the issue, leaving the fraudulent charges on my account and causing significant damage to my credit report. 

This situation has caused me considerable distress, and I am now seeking your assistance to ensure that these fraudulent charges are reversed, my credit report is corrected, and a proper investigation is conducted into the fraudulent activity on my account. 

**Dates of Unauthorized Transactions and Actions Taken : ** - Unauthorized Transactions : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> - Dispute Filed : After discovering the transactions - Documentation Submitted : Mailed letters, faxed documents, and e-messages to NFCU - NFCUs Response : Dispute denied, classified as a " billing error '' I request that Navy Federal Credit Union reopens this dispute, reverses the unauthorized charges, corrects my credit report, and conducts a thorough investigation into the fraudulent activity and they sent me a mailed letter stating they have reviewed and remain they did not find a billing error.
Product: Checking or savings account

Wells Fargo being charged me for long time overdraft fees
Product: Vehicle loan or lease

I had previously reported this company. They sent me an explanation of what they say happened. They did not include in the report that I settled with the company who got the charge off XXXX XXXX. They also admit at the end of their report that they failed to send me a 1099-c tax form as required by law. They also admit that they can not find any evidence that one was ever sent out. This account was charged off and then settled, but the company continued to report 25 charge off months to the credit bureaus instead of one. I have tried multiple times to resolve this with the company and they refuse to help me. I tried to make the account right by paying the amount owed, but because of Covid I lost my job and was only able to settle for a lower amount. After 6 plus years, you would think this XXXX dollar company would get tired of destroying peoples lives.
Product: Student loan

FedLoan currently holds all the loans that I finished paying before the loans were transferred to XXXX. I called at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all those loans and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I still have not seen the money and I can not see any open loan balances in my FedLoan portal.
Product: Checking or savings account

Bank of America I sign up for this account called XXXX they asked for bank info and I also give them Conset  to share my info with them logging into my account and they started to charge my card XXXX to XXXX to XXXX to XXXX totaling a acount of almost XXXX I called make the report 2 months ago Bank of America claims they denied the claim cause I have a contract or I sign receipt I dont have anything signed with them Bank of America hasnt provide me with any proof the company called XXXX closed the account and I emailed them and no reply since 3 months ago and there is no info number or nothing to contact them i escalated my claim and got denied its almost 3 months ago claim Id XXXX got denied 2 times with no explanation or proof of anything just said I had a contract with them sign I never did never authorized all those transactions