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 Reguiation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX on XXXX 30 days late as of XX/XX/XXXX on XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card

I canceled XXXX room reservations through XXXX on XX/XX/23 due to illness. XXXX said they would issue a refund within XXXX hours. US Bank said it could take up to 10 days for a credit to post. I did not see a credit as of XX/XX/23 so I emailed them through their site and called customer service. Customer said they would help me challenge the charge, said they had to put me on hold to complete some work and hung up on me. As of XX/XX/23, I have not received a credit for the disputed charges.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the erroneous reporting of XXXX accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, XXXX, and TransUnion data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
XXXX XXXX XXXX : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and TransUnion report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : XXXX reported dates varyXXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and TransUnion report 588 months, while XXXX lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : XXXX inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and TransUnion indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and XXXX report this account as " Paid, '' while TransUnion lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX paid me the sum of {$1700.00} ( being the proceeds of the sale of my website ) on XX/XX/2022. It landed in Wells Fargo on the XXXX of XX/XX/2022. The payment was from the XXXX XXXX XXXX XXXX and Wells Fargo is the intermediate bank since I used XXXX banking details. The XXXX account I used, as I'd later learn, can receive funds from the US only, which means the fund at Wells Fargo will be returned. It was the case on XX/XX/2022, when the sender ( XXXX XXXX ) informed me that Wells Fargo had contacted their bank about fund reversal. Since then, however, the sending bank XXXX XXXX XXXX  XXXX XXXX XXXX has been trying to reach Wells Fargo but they aren't returning communication. I got in touch with their support on XXXX but they won't even listen to me unless I visit one of their branches in the US ( I'm not based in the US ).
Product: Debt collection

Professional Placement Services , LLC sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.
Product: Debt collection

My ex-wife took my daughter to the eye doctor.  The eye doctor charged an exorbitant amount for a check up.  I paid the collection agency a reasonable amount and per TN law they have been paid in full as they negotiated the check. They are in violation of the law by reporting bogus information to the credit bureau in an attempt to make me pay an amount I do not owe and never owed.  My ex-wife took my daughter to the eye doctor not me.  I never agreed to pay any amount prior to my check dated XX/XX/XXXX for a charge from XX/XX/XXXX.
Product: Student loan

Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX. 

Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold. 

To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know. 

THIS IS BAFFLING!! 

Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated. 

I will like to be a part of suing this company for their false practices.
Product: Debt collection

On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX.

On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail.

XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my XXXX credit report and found some unauthorized inquiries by Axos Bank listed. I reached out to XXXX to have them removed. I was instructed by a representative to contact Axos Bank and have them send me a letter that authorizes XXXX to delete the inquiries. I contacted Axos Bank and was told they can not issue me a letter because I am not it their system as a customer. I was then transferred several times and hung up on twice. I called back and finally a representative was able to, at least give me an email address to submit my complaint. I am in the process of purchasing a home and these inqiries are hurting my credit report.
Product: Checking or savings account

Bank of America debited {$190.00} from my checking account authorized according to them by XXXX. I do not have an account with XXXX. I do not own a car financed by them and never authorized any transaction.
Product: Credit reporting or other personal consumer reports

I applied for an account at a credit union. Shockingly, the credit union denied my request to open an account stating that I had to contact Chex Systems. 

I attempted to obtain a report from Chex Systems online but the website did not work. 

I would like to see my Chex systems report so that I can identify what information they provided to the credit union. 

I would like to obtain a report from Chex Systems as soon as possible. 

XXXX XXXX
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 the situation. ( 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.
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX as of XXXX XXXX, 2016 now Penny Mac has the loan. I notified XXXX XXXX XXXX that I wanted to pay {$2000.00} on the principle balance of {$3000.00}, I was inform that it could be done even though I was behind two months. After making the payment on XXXX XXXX, 2016, I notified XXXX XXXX XXXX to verify that the payment had been processed properly, the payment was applied to unapplied funds and sent to Penny Mac ; therefore, I called Penny Mac to inform them of the request to apply the funds to the principle and I was told since the principle was {$3000.00} it could be done so after a few days I called Penny Mac to verify that the {$2000.00} payment had been applied properly but it had not so I spoke to a supervisor ( XXXX ) who attempted to get the amount approved but I was denied the opportunity to pay the loan off as early as possible. The loan would be paid off in two to three months rather than seven to eight, Penny Mac distributed the payment the way they wanted without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are the result of identity theft. I have already reported this issue to the appropriate authorities, and I am now requesting that the credit bureaus cooperate with me to resolve the matter.

As a victim of identity theft, I am entitled to certain protections under the law. I expect the credit bureaus to comply with all legal requirements, and failure to do so may result in legal action against them. 

I have already contacted the other credit bureaus to report the accounts in question, and they have ceased reporting them as they have confirmed them to be fraudulent. However, your bureau continues to report these accounts, which is causing serious harm to my credit score. 

I have also contacted the creditors associated with these accounts, and they have confirmed that the accounts were fraudulent and have agreed to remove them from my credit report. 

Fraudulent account in question : XXXX XXXX and XXXX XXXX XXXX-dismissed Reference : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with Equifax, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. 
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX,  USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the Equifax, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, Equifax, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request. 

XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX of Wisconsin XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian
Product: Credit reporting or other personal consumer reports

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

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Remaining balance on Wells Fargo Auto Loan after maturity date. Started reaching out to Wells Fargo Auto in XX/XX/XXXX. First call I was told due to missing payments from XXXX. Second call I was told it was due to interest accrued from deferred payments and my account would be looked into. Received letter from Wells Fargo Auto dated XX/XX/XXXX stating documents I requested and had copy of payment history. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating they needed more time to research. Received letter from Wells Fargo Enterprise Complaints Management Office dated XX/XX/XXXX stating balance was correct and principal balance due by XX/XX/XXXX. XX/XX/XXXX filed complaint with State Attorney General. XX/XX/XXXX received first call from XXXX from the Executive Office of Wells Fargo. Several attempts to speak with XXXX failed and spoke to different representatives at that office and was still not provided with any information about reasons for the call other then pertaining to my concerns expressed to the State Attorney General. Finally spoke with XXXX on XX/XX/XXXX who gave me conflicting information and told it was being researched and would call me back. As of today XX/XX/XXXX, no further response from any representatives from any Wells Fargo departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to report the attached XXXX XXXX account without a date of last activity. 
Remove account, after verification, the XXXX  is still not reported. That is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Transunion. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts :
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # 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