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 financial loss, and I seek appropriate redress identify you and your account.

( 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: Debt collection

I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.
Product: Debt collection

I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, XXXX, and Experian based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX XXXX was returned within 30 days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX XXXX XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Product: Checking or savings account

XXXX is my original payday, I always get paid by XXXX in the morning. I checked my bank account at XXXXXXXX XXXX to find that my check still has yet to be deposited. At XXXX I called Capital one and all I got was a script read to me about a third party vendor issue and that they working on getting the issue fixed. I checked that evening at XXXX still no funds deposited. 
XX/XX/scrub>XXXX I checked my account at XXXX XXXX to find that my HARD EARNED MONEY is STILL not deposited. At XXXX XXXX I checked my email to see that capital one sent an email Thursday night while I was asleep that the issue is being resolved and the majority of the issues will be resolved Friday morning. So I checked my account and STILL NOT DEPOSITED. Mind you Im still at work, freaking out cause I have bills to pay and cant do that with no money!!!! I checked again at XXXX XXXX on my lunch break STILL HAD NO FUNDS! I got off at XXXX and called Capital one and there was a long wait time of XXXX minutes. It was afternoon time and I STILL HAD NOT RECEIVED MY DIRECT DEPOSIT!!! 
It is NOW XXXX XXXX ON XXXX and I STILL HAVE YET TO RECEIVE MY HARD EARNED MONEY! I was supposed to receive two separate deposits from my job. My regular check is {$610.00} and my bonus check is {$240.00} with a total of {$850.00}. They are not giving others any compensation for their negligence! I need my money, I have bills that are late and no food in my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

Midland credit management repeatedly called my workplace over the course of two weeks after I had sent them a letter disputing the debt.
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 {$540.00}, {$3200.00}. 
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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 


2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX  XXXX XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. Navy Federal has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing the following debts with XXXX 4 times and Equifax and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, XXXX & XXXX ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, XXXX & Equifax ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since Equifax, XXXX & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
Product: Student loan

I have about {$55000.00} in private student loans with XXXX. I had the private student loans since the mid XXXX. I recently found out via email that a company named Mohela has taken over my private loans account. This week, I was notified via email that my forbearance was subject to expire on XX/XX/XXXX. I did not authorize or advise XXXX or Mohela to start a Forbearance on my private student loans. Not in the year of XXXX or XXXX. I did not apply at all nor did I want a forbearance on my private student loans. I do live in the state of Florida but I was not affected by any hurricanes, any natural disasters or harsh weather circumstances. I do not authorize XXXX or Mohela to apply any future forbearances unless they get my approval or if I personally apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below. 
15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ending XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

A few months ago, either in XXXX or XXXX, I was emailed a statement by Comenity Bank that I had a balance. I tried to login online and see my statement, as I had done successfully numerous times in the past, but this time I was shown an error message that their website was not working and to try again later. I tried numerous other times throughout the month and was unable to view my statement. Then in XXXX I was emailed that I had a much higher balance, and again when I tried to login to view my statement I was unable to. I do not recall using this card over these previous months. I was then called by Comenity almost on a daily basis in the mornings to pay the amount. I could not answer because I was at work during this time. I tried to call Comenity multiple times when I was out of work, but my phone call was always disconnected before I could speak to someone. About a week ago, I was finally available answer Comenity Banks phone call one morning when they called since I was not busy at work. I asked them to send me a paper statement because I can not view the statement online and I do not recall making any purchases over the past few months. They said they would send a paper statement and I agreed to make a payment by the XX/XX/23 due date if I received the statement in time, and was able to verify that I had indeed made the purchases on the card. I have yet to receive a paper statement, I still can not access a statement online, and I still can not connect with a representative. In the meantime, my credit report and score are being unfairly and severely impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XX/XX/2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score.  Please delete this item from my credit report and/or change the coding error.
Product: Bank account or service

Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read " error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Bank of America. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I, XXXX XXXX is looking for your help because this is not fair to me. The fact is I have a XXXX  XXXX credit card and this was my first time saw the credit report through XXXX  XXXX website they offer the credit report for free of charge so I reviewed my credit report and I saw information is not correct that means I have never done with the Federal Loan. I have attached document for your review and I look forward to receiving your response soon. 
Below my contact information XXXX phone ( XXXX ) XXXX - XXXX Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 my wife received a call from a company called XXXX XXXX XXXX, and they said that they are part of the " XXXX XXXX XXXX ''. 

They shared information about a vacation package and assured her many times that the {$1800.00} purchase is fully refundable. They confirmed the refundable element at least 10 times to reassure my wife that if she changes her mind anytime within a year that we would get the full amount refunded. 

She reluctantly gave our Chase credit card information over the phone, then started feeling uneasy about the purchase, so she requested the refund on the call. On that same call, the XXXX XXXX representative assured her that they processed the refund. We assumed that the issue was resolved and that we would not be charged. 

A few weeks later we saw the charge on our Chase credit card so we started the dispute process. Chase reached out to the merchant ( XXXX XXXX XXXX ), who then said the purchase is non-refundable. XXXX XXXX XXXX also provided a policy document that explains the non-refundable detail. We discovered that XXXX XXXX XXXX representative fraudulently signed my wife 's signature on the policy. 

Upon Chase 's request, we provided Chase with a copy of my wife 's driver 's license which includes her signature, to show that the signed policy did not match her legal signature. 

Chase said that the non-refundable policy is in place and that they can not protect us as their customer. That our only option is to hire an attorney to go after XXXX XXXX XXXX. 

Chase knows that it was a fraudulent signature, but says that their own policy doesn't allow them to write off the charge, or protect us as their customer, or pursue any further action with the merchant. 

We have been going through the Chase dispute process for nearly 4 months at this point and they're telling us that we are responsible for the charge and that they will do nothing else to help us. 

The merchant lied to us on the phone saying the charge is refundable, then promised they refunded it which they did not. 

Chase had us go through the dispute process for months, and provide evidence. Then Chase refused to remove the charge.
Product: Debt collection

Subject : Complaint Regarding Unauthorized Collection on Consumer Report To Whom It May Concern, I am writing to formally file a complaint regarding a collection account that was placed on my consumer report without providing me the opportunity to dispute it beforehand. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

The collection in question involves an amount of {$360.00}, which I have repeatedly stated does not belong to me. I maintain an outstanding payment history and would never have allowed an account to fall into collections. Upon investigation, I believe this account may be linked to a family member, but I need additional time to confirm this and address the matter appropriately.

When I contacted the collection agency, they informed me that if I were to file a fraud claim, the collection would remain on my report until the matter was resolved. Alternatively, if I paid the account, I would lose the ability to file a fraud claim because the balance would then be cleared. This policy is unjust and places an undue burden on consumers like myself, who are victims of potential identity theft or misrepresentation. 

By placing this collection account on my consumer report without proper notification or an opportunity to dispute it, the collection agency has caused unwarranted harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the following : Immediate removal of the disputed collection account from my consumer report.

A thorough investigation into the practices of the collection agency to determine if they are compliant with consumer protection laws.

Clear guidance on how to proceed in situations where an account is falsely attributed to a consumer. 

This situation has caused significant stress and has adversely affected my ability to maintain a positive credit profile. I trust that the CFPB will take swift action to address this violation and hold the responsible parties accountable. 

Thank you for your attention to this matter. Please feel free to contact me at Sincerely, XXXX XXXX XXXX XXXX Ga XXXX I have not been given a chance to dispute the account according to 12 CRF 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. According to 12 CRF1006.31 ( c ) ( 4 ) ( 1 ) This collection agency is violating my consumer rights by using false and misleading. Misrepresentation and deceptive means.

This collection agency has no Authority to furnish any accounts to a consumer reporting agency without providing me any disclosures acquired any and all, and by law and they are in clear violation of 12 CRF 1006.34 ( d ) and 15 USE 1681-S2 ( 7 ) ( A )