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

Subject : Formal Complaint Against Block , Inc. ( Cash App ) for Violations of Consumer Protection Laws Dear Recipient I am submitting this formal complaint against Block, Inc. ( Cash App ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Additionally, the dispute resolution process employed by Cash App was both unfair and deceptive, as it failed to comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

These failures have caused me significant inconvenience, financial loss, and undue stress. As such, I am seeking appropriate redress for the violations described herein, including restitution for losses incurred and corrective actions to prevent similar occurrences in the future. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.
Product: Mortgage

My home burned down on XX/XX/XXXX. It was a total loss. I notified our mortgage company ( PennyMac ) of the loss. The insurance company issued a check to me & my mortgage company. I endorsed the check & submitted it to the mortgage company ( PennyMac ) by certified mailthey received the check on XX/XX/XXXX. The funds were not applied to my mortgage @ which I contacted ( PennyMac ) to question why? I was told that they didnt know what to do with the funds, I was instructed that I had to request a payoff from the mortgage department, print it off, write the company a letter instructing/giving them the permission to apply the funds to the mortgage. That request was completed & sent to ( PennyMac ) on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX, Spent over two hours on the phone only to find out that that still had NOT applied the funds to the mortgage. At that time I was told that the funds were in a restricted escrow account and that I had to pay the remaining balance in full before they would apply the insurance funds to my mortgage. On Monday XX/XX/XXXX we wired an additional amount of {$32000.00} to ( PennyMac ) which should have covered the rest of the mortgage minus the accrued interest & additional fees. PennyMac contacted me on XX/XX/XXXX to inform they had received the funds but I still owed {$1800.00} and they still will not apply the insurance funds unless I sent more money. 

PennyMac has set on the funds for more than a month ( Im sure they are drawing interest on {$240000.00} is substantial ). All the while they continue to charge me almost {$50.00} a day in interest which adds up to more than {$1500.00}. 

As of today after spending another hour on the phone PennyMac refuses to apply the insurance fund to my mortgage unless I pay them more. They have more than {$270000.00} of my money & they refuse to apply to my mortgage. 

There are thousands of customer complaints against this company. I have lost everything I own, I dont have clothes or a home and this company have the balls to treat the customers this way. Basically they are holding all my funds hostage until I send them more money. I in good faith have made every effort to pay off this loan. 

At this point I can not move forward. I cant rebuild or even get a loan because they will not apply the insurance funds that they have had for 32 days to my mortgage. 

I am at a loss at what I can do. They are money gougers.., nothing but greed. These loans are not set up to help the consumer.
Product: Vehicle loan or lease

In XXXX, I requested my credit report and I noticed multiple unauthorized fraudulently opened accounts. I've reported them as fraud with my credit bureau 's and I have also reached out to the banks these loans are from to report this as fraud. Some of these accounts date back to 2017 when my wallet was stolen and my identity has been compromised.
Product: Payday loan, title loan, or personal loan

I bought a XXXX  XXXX in XXXX and financed it through Hyundai Motor Finance. I moved states from XXXX  to XXXX, and requested a state title transfer through their website on XX/XX/XXXX. Their online tracker said " Your request is currently being reviewed. Please allow up to 5 business days. '' and has not moved since, as of today, XX/XX/XXXX. I called customer service on XX/XX/XXXX as the time had passed and I had not heard any updates. They said they would expedite the request and I was sent a secure message on Hyundai Capital America 's secure messaging service with the information I could provide to expedite and that " Upon receipt of the information above, we will send the required documentation to your new state within ten ( 10 ) business days. '' I replied immediately that day with the requested information. The 10th business day would have been XX/XX/XXXX, but they never sent the title to the new DMV. I followed up on XX/XX/XXXX via phone call to Hyundai Motor Finance and they gave me a reference number and told me again that they would expedite the issue and I would have an update within 5 business days, which would have been XX/XX/XXXX. I called again this morning, XX/XX/XXXX, to check the status and was told there are no updates and that the issue has already been escalated, and that there is nothing they can do and I just have to wait. 

In the state of XXXX, you have up to 60 days to transfer your title and registration. We are well beyond halfway to that point and there hasn't been a single update since stating this process, no end in sight. I am able to contact customer service, but it leads to no movement, let alone a resolution. I am concerned that I will be fined or that I will be unable to drive the car I purchased through Hyundai.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$2800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/ Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage Corporation ( PHH ) of Florida currently services my existing 30 year fixed rate home loan. On XX/XX/2020 I called PHH Mortgage in response to an email offer to refinance my house. The PHH representative offered me a fixed rate of 2.75 % on a 15 year loan to refinance my existing home loan with PHH. I declined the offer, explaining that I had a better offer from a different lender. Today, I received a loan refinance package from PHH fora fixed rate of 6 % on a 15 year loan. 

I called PHH earlier today and asked to speak with a supervisor regarding this issue. The lady I spoke with said the supervisor on duty was busy and that she would have the gentleman call me. I have not yet received a call back. 

This seems like predatory lending practices and am reporting this for the following reasons : 1 ) The refinance package I received today is 6 % for a 15 year refinance, which is more than twice the rate I was offered on XX/XX/2020. This rate is also significantly higher than rates for similar products, especially given my excellent credit score of over 800. I am attaching a copy of the Loan Estimate and a copy of my credit score as provided in the PHH refinance package.

2 ) I received a refinance package today, even though I verbally declined the offer on XX/XX/2020. 

3 ) The lady I spoke with from PHH on XX/XX/2020 said she just had a couple of questions to get me a rate. She proceeded to walk me through the entire application process, explaining the whole time that it was just another couple of questions. I felt like I was being fed the elephant 1 bite at a time, but kept going on the assurance that we were almost done.
Product: Checking or savings account

I deposited my electronic check XX/XX/23 via Chase Banking Mobile app. I was XXXX for one month this check was my XXXX check from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Benefits. Upon uploading the check it was accepted and put on hold for XXXX days. I called Chase to see if the deposit could be expedited. They agreed to assist and then proceeded to inform me that the number on the check is not a verified phone number and they allegedly called multiple phone number for XXXX  XXXX which didnt ring or go through. I find that odd because when I call them it works perfectly fine. They said that the number can only be used with their verification system. I called three more times and was told the same thing they said to call XXXX XXXX and find out if they have another number they can provide to be verified, XXXX XXXX assured me That is the correct number. Now I am left with no funds and Chase is holding about {$3300.00} I feel helpless. 

Chase bank needs to verify, yet they said they can only call using their system and that the check issuer does not have a verified phone number. That is not true!!!!!!
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report, which at NO time have been authorized by me. Below are some of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. Transunion, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, XXXX, Transunion, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and XXXX is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. Transunion, XXXX, and XXXX are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$480.00} XXXX  XXXX XXXX XXXX XX/XX/year>2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  credit report.

The information for this account listed on my credit report is : CREDITOR : BARCLAYS BANK DELAWARE, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.
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. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. 5 unauthorized fraudulent accounts where opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.
Product: Debt collection

Diversified Consultant # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with DIVERSIFIED CONSULTANTS OR their client ( XXXX XXXX I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from Moneylion confirming that I did not open the account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

I originally had a car loan through XXXX XXXX and did a voluntary repo. My account was sold to Deville Asset Management. When i contacted them to see if the car had been sold they told me they had no information on me. I believe the car has been sold and imthere is no balance left. I have been told nothing or have no information and i dont understand why they could not fine me in their system.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Mortgage

Servicing company, which is owned by original lender, is threatening to impose a flood insurance on my XXXX floor apartment. Documents have already been provided even though they should already have them as they were the original lenders and all documentation had to be in place in order to get a clear to close. Further, after receiving these threats via mail, emails were sent to address the issue and automatic responses from them said they would respond within XXXX, but never did. Yet i continue to receive mail threatening as final notice that a new policy will be put in place and i will be responsible to pay.
Product: Credit card or prepaid card

Hello - I am contacting regarding Dispute XXXX. I sent you an e-mail from the merchant that clearly states that a refund will be offered, that the supplier they were using had issues and that the empty package was their fault and they apologized. I offered them photos at the time, and they said there was no need. You then responded by saying that the case could not be moved forward without more documentation, which makes no sense as I provided ample evidence that I am due a refund. 

I then contacted you on XX/XX/XXXX. I spoke to an agent named XXXX in XXXX. I repeatedly asked for a supervisor when she refused to assist me, and eventually she hung up on me instead of transferring me to a supervisor. 

I am attaching a full recording of the conversation with the first agent that transferred me to XXXX and with XXXX. I am also attaching the e-mails showing I am due a full refund.