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

Block, Inc. ( XXXX : SQ ) is a publicly traded corporation whose principal executive offices are in XXXX, California. Block offers multiple digital payments products for businesses and consumers, including the point-of-sale payment system Square and the consumer payment service Cash App. Cash App is one of the largest peer-to-peer payment platforms in the United States, with more than XXXX XXXX accounts. It allows consumers to send and receive electronic money transfers ; accept direct deposits ; and use a prepaid card, Cash Card, to make purchases and ATM withdrawals. Block made approximately {$7.00} XXXX in gross profit in XXXX, approximately {$4.00} XXXX of which was generated by Cash App. 

Cash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.

Block also deprived Cash App users of meaningful and effective customer service and left the network vulnerable to criminals defrauding users. While Block included a telephone number on the back of its Cash Card and in its Cash App Terms of Service, for many years this telephone number did not connect consumers to customer support of any type. Instead, it led to a pre-recorded message directing consumers to contact customer support through the app. Consumers could only contact Block through the app or through U.S. mail and were often met with delayed, inadequate, confusing, or inaccurate responses. Consumers looking for an alternate route to Cash App customer service through web searches were targeted by fraudsters posing as Cash App representatives, who tricked them into giving up their passwords and other personal information. Block knew that its customers were being targeted by fraudsters in this way but failed to take timely action to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. 
The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. 

Also same account XXXX XXXX, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. 

XXXX XXXX violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. 

Each violation is a fine of {$1000.00} and they have violated it 3 times.
Product: Debt collection

Calls originate from the Revenue Group, calling number is XXXX XXXX XXXX. Calls received XXXX/XXXX/2015, XXXX ; XXXX/XXXX/2015, XXXX. Both times the caller indicated an unspecified debt is owed and was told we do not discuss financial matters on the phone. Caller was further informed to submit the nature and specifics of the alleged debt in writing to us. To date, no such correspondence has been received. Numerous other calls have been received from this group as shown on our phone 's caller id, but went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowered my my credit score considerably ( approximately  XXXX  points  ).  In the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries my credit score is around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.
Product: Credit card or prepaid card

Chase Bank credit card dept sent email advising I qualify for a pre approved credit card I have had a bank account w Chase Bank for about twenty years and my account regularly monitors my credit history thru XXXX. 
When I completed their application I had a XXXX credit score but they chose to deny the application for unknown reason and the Hard credit check which they did not need to do knocked me down to XXXX or poor score. When I try to call the Chase Bank credit card dept I am on hold wait time if 1hour. 
All I am trying to do is have the hard inquiry removed because I am in the process of moving and the hard hit hurts me on the credit score when applying for apartments. 
I am fine with no credit card because I have no outstanding debt and will never apply for anything chase backed ever again I just want the inquiry removed because they already had my credit score history w/o the inquiry.
Product: Debt collection

In XXXX of 2022 I took a {$44000.00} loan for solar panels to be installed first the sales people took the phones in put information and electronic signature since my wife and I did not have knowledge on how to so instead of showing us they took both phones and signed the contract second they never took out a permit to do the solar panels they were installed in wrong place it's crooked after trying to contact XXXX XXXX XXXX we were informed in XXXX of 2022 that they are no longer in business the panels have never been inspected or even turned on after fighting with Goodleap loan company sent someone out to fix the issue they came out took all panels electrical boxes wires ECT off stacked them in my yard safety hazard never heard from them since Goodleap keeps calling wanting payment which we were paying to collect payment promised to fix issue now they want to raise my payment from {$180.00} a month to {$250.00} for something sitting stacked in my front yard don't forget the steel poles to hold panels sticking up in my yard please help I don't want the solar it's already took down they can easily pick it up I'll cut the poles down myself thx for your time XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I paid off my credit card in XXXX and even LITERALLY chopped their card in half and at my expense sent it back to XXXX in Delaware. The rate 33 % and they just charged me {$100.00} for new years- my resolution is/was to close so i scrimped and saved and paid IT OFF. Then last night i get an email stating my card was used. 
I called FOUR TIMES and the third and final call on XXXX i was put on hold for over ten minutes. They maybe realized that i have no card so saying i used it is an impossibility. I called and did my due diligence yet they continue this chirade. 
i spoke with XXXX XXXX XXXX XXXX and a supervisor i did not write the name down however i have taken a screen shot of all my lost time over THEIR NEGLIGENCE!
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 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 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

On XX/XX/2018, I paid the annual fee for my Capital One Venture card ( {$59.00}, automatic from checking account ). I cancelled the card shortly after without ever using the card further, and while I was on the call for cancellation I confirmed that the annual fee would be refunded. In XX/XX/XXXX I got a bill that noted that my balance was {$0.00} as expected but no mention of the refund. I called again this month, XX/XX/XXXX and was first told that it had been refunded, and then when I told them I wasn't I spent almost half an hour ( 29 minutes per cell phone clock ) on hold, after which I was told that someone would call me back sometime next week. I've been told that before by Capital One and experience says they won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO XX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtness which means it is income and must be removed. 

This is also violation of my privacy under the Privacy Act of 1974
Product: Money transfer, virtual currency, or money service

I have been using Coinbase since 2017 and all of a sudden it required me to do the ID verification again. Followed the instructions and upload my diver license two weeks ago, but the account is still locked with a message : " Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I filed a support case with ID # XXXX, but Coinbase closed this case without resolving my issue. 

I have money left in this account, but I can't do anything about it, since it's pending review. 

I wrote down my experience on XXXX, and there are many other customers are suffering from the same scams.
Product: Checking or savings account

My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XXXX XX/XX/year>, Someone called my home from XXXX XXXX XXXX. The person didnt give there name but asked me for my personal information. I dont give birthday dates or addresses to NOBODY Period! All the scammers that are getting peoples birthday and address using to fraud people no way. My phone number is unlisted private just changed my number and getting calls again from XXXX XXXX XXXX. Let them know that my last name is XXXX XXXX XXXX XXXX so stop calling me about some one named XXXX! Never heard of that before I had to get a Lawyer about XXXX years again about fraudulent claims in my name.
Product: Mortgage

Loan # XXXX XXXX and XXXX XXXX Property : XXXX XXXX XXXX, XXXX XXXX , FL XXXX We've tried to get information from the original modification loan contract that would confirm we have to pay late fees accumulated prior to the modification loan contract. But to date, no one has provided us with contract language advising we would have to pay those late fees that were accumulated prior to the modification loan in XXXX. 

Since doing a new contract in order to keep my home in XXXX of XXXX, I have been transferred to different Mortgage Companies multiple times. Once again our current mortgage company, XXXX XXXX XXXX, has stated it has joined forces with PHH Mortgage Services and they are consolidating all mortgage accounts into one company, PHH Mortgage Services ( " PHH '' ), effective XX/XX/XXXX. They are also, once again trying to charge me for late fee incurred prior to this Making Home Affordable loan in XXXX. 

To date, none of the mortgage providers have provided anything written in the XXXX Making Home Affordable loan stating I have to pay these fees. ( It was the whole reason we were giving up our home, because we could not pay all of the fees and high mortgage payment. ) This Company is now apparently, threatening to add accrued interest, after 10 years of consistently not providing any evidence that I owe these fees after the new loan was processed in XXXX. 

We approached them about this after the attached documents were received, but again they sent old print outs from before XXXX 's loan and did not produce contract language saying we were responsible for the fees in the new loan of XXXX. 

Please have them either produce the contract language advising we would have to pay the late fees accrued prior to the XXXX new loan, or get them to stop harassing us with fees that no longer apply to our new loan. 

We are not of an age or the kind of health that allows us to come up with such an amount in a months notice. Thank You so much for your Help!
Product: Credit card or prepaid card

I opened Banco Popular XXXX credit card in XX/XX/XXXX and decided to cancel my card before I hit my annual fee in XX/XX/XXXX. I canceled it in XX/XX/XXXX through phone but I have been informed that there was no record of me canceling and has been charged annual fee/interest/late fee. I did call today XX/XX/XXXX to cancel and they did inform me that there is record of me calling in XX/XX/XXXXbut they don't know what that call was about. This is total fraud and they should share the record call and validate that I did cancel in XX/XX/XXXX. No company should run like this to get some extra fees on what I was known to be a " closed account '' I am sure Banco Popular customer service team sub-par so they probably won't even record/listen my calls or even read this CFPB complaints This fraudulant activity has lowered my credit score as I did not know that my account was open and they charged me annual fee/late fee/interest off of annual fee Please audit Banco Popular on how they are running their business and customer services
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, XXXX, and Experian. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. Experian shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them.

Your service is appreciated.

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

I see XXXX accounts from XXXX  that arent mines, these account werent authorized by me. Must be some form of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX and XXXX XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to removed some of the information in my file that resulted from alleged identity theft but I have an Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$540.00}