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 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 fi
nancial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

Denied account with bonus offer. 
1. I responded to Wells Fargo 's {$250.00} bonus offer ( XXXX ) requiring an online application ONLY. 2. I submitted the very simple application and got immediate emails saying to wait a few days for a mailed-in packet, etc. I was provided an application reference number and the steps and timetable for the bonus. [ 3. The application included a question about a family address literally from the 1970s. ] 4. Later I received an email saying, oops sorry, but please go into a branch to " verify '' information. 5. I went into a branch and was NOT successful in completing the account despite the reps Best efforts, no explanation, except she stated than an account " XXXX '' could n't be verified. I 've never heard of an account or company with the initials XXXX. 6. The banker claimed to be unable to provide further details. 7. 8. The banker also stated that I would NOT be eligible for the bonus, as had told her that when I attempted to redo the application the Page is Not Found. 9. I used my XXXX account to fund the opening of {$50.00}, and it was not subtracted from my account. 
10. I am well aware of Wells Fargo 's extreme practices and discrimination, but I chose to go for the bonus anyway, as is my normal practice. My accounts are clean. My debts is XXXX. My credit score is excellent. So I am very interested to see their explanation for denial of services. Thank you very much.
Product: Money transfer, virtual currency, or money service

CHIME. suddenly close my account without any reason, last transaction i made was buying a pizza from XXXX! and i still have about {$25.00} left in my account. 

email attached to the account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX  has violated my rights. Under 15 U.S.C. 1681, section 602a, section 4 states, I have the right to privacy. 15 U.S.C 1681b 604a section 2 also states, any consumer reporting agency my not furnish an account without written instructions of the consumer to whom it relates. This law only provides for a maximum length of reporting time, not a minimum length of reporting time. As such, this reporting is in violation of the law the Fair Credit Reporting Act. Not only that, Truth in Lending Act 15 U.S.C. 1601b states, a creditor may not treat a payment on an open ended credit account as late for any purpose. Continuing to report this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Product: Student loan

On XX/XX/XXXX Navient sent me a School Misconduct Discharge application for the private student loan I have with them. The private student loan is for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is closed now and has been for years. XXXX ( XXXX XXXX ) was closed due to scams & fraud. I attended XXXX before being withdrawn from my classes without notice by XXXX. 

When I went to XXXX to enroll with my mom they informed us that I qualify to attend the school using federal loans and scholarships. How no additional loans/payments/ funding was needed. My classes started on XX/XX/XXXX. XXXX  pulled me ( XXXX years old ) into their office without my mother-after the classes had already started and told me to sign for a private loan. I was pressured and harassed to signed the loan. 

Please review the start of my classes and the date the private loan was signed. ( When do you apply for a loan after already being approved to attend a school and days after classes have started ). 

There was also a lawsuit XXXX XXXX XXXX, which proved XXXX to be guilty of their illegal actions. All of my federal loans were removed due to the lawsuit. 

I received a Denial application notice on XXXX XXXX from Navient. There was no details on why that decision was made. 

Navient selected me to send the School Misconduct application to, but denied me of it. Even with XXXX being a closed-fraud school and me having proof of the misconduct from XXXX. 

Ive paid XXXX  after being kicked out the school in XXXX and I havent received any refunds to this day. 

Im contacting your company to ask for your help please. I would like to know why was my application denied and may I do an appeal? 
Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some incorrect information on my credit report. The details listed below are fraudulent, and I have no association with them. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I  had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.
Product: Debt or credit management

XXXX XXXX XXXX out of XXXX Minnesota was supposed to take care of my combined debt. I contracted them to take care of it while they withdrew {$530.00} each month. I was just informed they wouldn't represent me because they were sued in part by the Attorney XXXX office of Minnesota. XXXX XXXX XXXX XXXX is in the lawsuit. I paid {$24000.00} dollars to them and had a year left to pay but I received notification they can no longer represent me due to this lawsuit. 

I had a total of {$31000.00} in debt and they have only settled {$7000.00} to my creditors. This leaves me in XXXX in debt still in which they say they are not settling anymore. 

What recourse do I have? I have already filed a complaint with the MN Attorney General 's office on this but where did my money go. 

I see the lawsuit which I am attaching states they were taking fees our illegally. 

I am asking is relief possible? What actions can the CFPB take.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I borrow a loan from beneficial it is amount of $ XXXX.in XXXX I refinance my house in XXXX XXXX XXXX paid off that loan. I have a lien against this loan on my house from Winn Law group, XXXX XXXX XXXX XXXX. I want to them to remove the lien it is for {$19000.00} lien. I can afford to pay that lien and it was paid off through XXXX   XXXX in XXXX. This shouldve never be on my record and this ruin my credit I am having a hard time refinancing my house because of this lien. I have called Winn Law Group they said theyre working on it but since last 5 month they have not done anything to take care of this problem and Im about to lose my house. my ex husband is taking me to court to make me to sell the house if I sell the house my daughter and I have no place to go except to being homeless.
Product: Checking or savings account

Hello. Citibank is refusing to unlock my account unless I provide the information that is locked in the account. I have tried chat support and every number listed on the internet. No one can help me unlock my account.
Product: Credit card

I bought some furniture at XXXX XXXX store, when providing the credit, they gave me a minimum payment to pay of the balance without paying interest. What they did was not providing a payment that will finish paying the balance within the time period so they can charge interest. But that is not all, on a {$420.00} balance they've charged {$230.00} interest so it's not on balance due. It's on the principal amount and now we as consumer have to pay interest on interest as well. These promotions are misleading and deceptive, I would have found this issue sooner, but I went through a major XXXX and just saw this today. 
I called to see if I can pay the balance before that {$230.00} and was told I can't..
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone unknown to me has put me as an authorized user on their XXXX XXXX Cards and I'm demanding that I be removed from these unknown accounts at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

FURNISHING reports in connection with non-consumer-initiated credit or insurance transactions. 
a consumer reporting agency shall not transmit to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I did not initiate any of these inquiries, and if you believe I did, please send me copies of my written signature authorizing this subject. Inquires are not factual information if I didn't request an extension of credit. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX USC 1681C-2 XXXX  XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/XXXX  Please remove this inquiry from my credit report Please erase these inquiries immediately from my credit record. If any of these companies claim to have obtained my credit report with my consent, I will exercise my legal right to request verification. I request that you supply the following : 1 ) Full name and title of the individual who ran my credit report. 
2 ) The day and time they claim I granted consent. 
3 ) Method for which they claim I granted authorization. Please provide where I require documentation of said consent and of my signature on this authorization. 
Thank you. 
Sincerely XXXX XXXX
Product: Debt collection

This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.
Product: Debt collection

Earlier last year I contacted the bureaus and XXXX XXXX to dispute the debt. I informed the current manager once she called me that I was XXXX  and a XXXX and their policy was never to rent to XXXX, she even admitted it and said he doesnt know how XXXX XXXX could be rented in a XXXX XXXX name. I never received any written correspondence validating the debt and the bureaus validated the debt as valid. I received 97 months in XX/XX/XXXX with 3 years supervised release and they are saying that the apartment was rented in XX/XX/XXXX and my whole sentence didnt end until XX/XX/XXXX. Also this debt is gaining interest on it while it's in collections which I believe is a violation. I am attaching my paperwork from when i was sentenced in XX/XX/XXXX
Product: Debt collection

I have been in contact with the collection agency named Complete Credit Solutions for some time now. The reason why is that they continue to report a false collection on my credit report for {$1800.00}, supposedly from a payday loan company called XXXX. I have told the reps at Complete Credit Solutions that I have never had an account with XXXX, much less received any funds from them. So there is no way that this could be my account. Instead of deleting it from my credit report, as I have requested, they tell me that I should dispute it at XXXX, XXXX, and XXXX XXXX if I believe it is not accurate. I keep disputing the account, as they say they should, but THEY keep verifying it to the credit bureaus. So this process is getting me nowhere in regards to getting this false account off of my credit report. Furthermore, payday loans are not even legal in the state of North Carolina. So even if this was legitimate ( which it is not ), XXXX could not have even made the transaction legally. So either way, this should be grounds for dismissal. I have been trying to get this false collection off of my credit report now for 6 months, and Complete Credit Solutions is doing nothing but deterring and obfuscating their responsibilities of the Fair Credit Reporting Act.
Product: Debt collection

We were paying off a mortgage through " XXXX XXXX, '' an escrow company in XXXX, AK, when the entity to which they made payment was purchased by " Ocwen Loan Services, LLC. '' We paid the full amount of the loan through XXXX XXXX, and XXXX XXXX tried XXXX times to send " Ocwen '' the payoff amount which they refused, claiming that there were hundreds of dollars in " late fees '' accrued beyond the anticipated payoff amount. Ocwen has persisted in continuously harassing us with phone calls from off-shored " agents '' and frequent mailings. We feel that Ocwen is trying to take advantage of us as consumers by posting concocted late fees and other clerical and insubstantial fees to an astounding XXXX}. They have even gone to the ridiculous extent of charging us for insurance! Doubly ridiculous since we have insured the home ourselves ; they have no business doing so. The heinous nuisance of Ocwen 's interference in our lives is personally insulting to me, as this property is part of my pioneering grandparents ' homestead which a friend of the family had purchased and developed, then sold to us. We have held the title to the property since our final payment via XXXX XXXX, recorded on XXXX XXXX, XXXX. I find the Ocwen entity to be incorrigible and annoying in their attempts to rip off American consumers. Please do your best to stop this thieving company and clear my credit report of this DISPUTED CLAIM.
Product: Credit card

On XX/XX/XXXX I purchased what was supposed to be XXXX XXXX XXXX XXXX from a company XXXX XXXX I received the XXXX and they were not XXXX products, they had no part numbers and were not as described. I reached out to the company to return the item and they agreed to send me a shipping label. I shipped the products back, 2 of the products shipped to an undeliverable vacant warehouse according to USPS tracking, and the other 2 were returned to me stating the other address was undeliverable. I reached out to XXXX and have not gotten a single response or did I receive a refund. So I disputed the charge with my credit card company, CITI, on XX/XX/XXXX. After a month of review they decided that I was held responsible for this charge, so I reopened the dispute and sent them every email, pictures and tracking information stating that both return addresses were undeliverable. I typed a letter stating exactly what happened, it is clear as day that I have truly been scammed by this company and I am now out {$360.00} and I dont even have 2 of the 4 hubs because they are still sitting at a vacant warehouse in XXXX according to usps tracking. On XX/XX/XXXX CITI has stood by their original response and stating I am held responsible for the payment. I am reaching out to you to see if I can receive assistance in this case, I have been a victim of fraud and my credit card company that I have been a loyal costumer to since XXXX is not helping me in my time of need. Thank you for your time.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized.I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR XXXX XXXX FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
Product: Mortgage

I paid off Nationstar mortgage    XXXX   XXXX     . The lien release has not been sent to    XXXX   XXXX   . I have called and emailed since  XXXX  Each person I spoke with stated the lien release would be filed in  5-7  business days. I spoke with  XXXX   XXXX  (   XXXX   ext  XXXX  ) and  XXXX   XXXX  (  XXXX  ). Both assured me that they would personally take care of the oversight and neither has done so. All I want is for  Nationstar  to send the release to    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.
Product: Checking or savings account

I am a LONG time TD Bank customer. I've been with the same branch in XXXX XXXX, NJ since it was XXXX XXXX. Probably almost 30 years now. 

Their fees are ridiculous. It's like we pay for the convenience of 7 day banking by their fees. {$35.00} for overdraft on checking, a {$15.00} MONTLY fee for my savings. I'm trying to put away about {$20.00} a week to grow a small cushion, and being charged $ 15 monthly is just preposterous. 

It's really disappointing and even discouraging- especially as an almost 30 year customer! 

Savings acct ending XXXX just keeps getting walloped. They have to stop the madness. I guess they forgot a loaf of bread costs upwards of $ XXXX depending what store you go to, a dozen eggs $ XXXX, gas at $ XXXX for REGULAR, come on. Why does the American banking system have to XXXX us when we're already robbed??????????
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against XXXX XXXX at Capital One. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.