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 proce 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 XXXX financial loss, and I seek appropriate ( 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 XXXX for these violations. 
XXXX
Product: Checking or savings account

Four years ago, I asked my Bank ( JP Morgan Chase ) about getting paid interest on my checking account. They asked me how much I 'd be able to keep in the account. I told the manager, {$10000.00}, maybe more. She said no problem. They 've been paying interest on the account, but it 's a paltry 0.1 %. This month, I got XXXX XXXX interest on XXXX XXXX, 2017 -- and a charge for {$25.00} because my balance was below {$15000.00} ( {$14.00}, XXXX ). I complained, and they reversed the charge, but it still annoys me. The fee is so far out of line as to be usurious, especially considering the niggardly amount of interest they 've been paying me. One fee would virtually wipe out my interest for more than a year. I am not a happy customer.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I am trying to remove a lien from a boat title. We purchased the XXXX boat, used, in XXXX. There were no loan institutions involved in the transaction with a private party - we paid cash. When we received the title from NYS DMV there was a lien indicated on it. The lending institution indicated on the title ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX ) is no longer in existence. ( We have never done business with XXXX XXXX in any way. ) According to FDIC Bank Find, the XXXX XXXX XXXX became part of national Chase Bank in XXXX. At the advice of OCC Customer Assistance Group I contacted Chase Bank Customer Service today ( XX/XX/XXXX ) to try to track down the history of this lien. However, I was told that they don't have a department that does that. 

The NYS DMV ID for the boat in question is XXXX. The NYS DMV title document number is XXXX. The title was issued XX/XX/XXXX. 

I want to get the lien removed from the title because I want to sell the boat. We have taken out no loans for this boat. If there was a loan by the previous owner that is still active ( which I doubt ), we will then decide how to proceed. But first we need to know who holds the lien. 

I have attached the title in question. 

Any help you can provide will be greatly appreciated! 

Thank you XXXX XXXX XXXX, NY 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 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 Bankruptcy 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has falsified XXXX different recent responses to XXXX unique and different complaints that i have filed in the past few months knowingly and with willful intent to ignore the specific complaint of each individual complaint for the sole purpose not taking responsibility their actions and are trying to conceal each complaint in its individual capacity. 

I am enclosing the XXXX reports for your review to confirm and validate these complaints as accurate and truthful. 

They are manipulating the CFPB reporting systems by closing the cases as duplicates to others which is false and deceptive with no supporting documentation
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX
Product: Checking or savings account

Deposited a check for {$150000.00} on XX/XX/XXXX to my checking account at Bank of America. The check showed as cleared the checking account that the draft was written on the same day ( XXXX XXXX  ). Bank of America has placed a hold on the funds for 9 days and says the funds will not clear until XXXX, XX/XX/XXXX. The check cleared the next day and to my limited knowledge, the clearing process is 24-48 hours. A short hold is reasonable. This is not. Now my funds are in suspense.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal notice to LVNV Funding, LLC to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Cease Communication Under FDCPA, 15 U.S.C. 1692c ( c ), I am exercising my right to request that LVNV Funding, LLC ceases all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office.

Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, 15 U.S.C. 1681s-2 ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the CFRA. 





XXXX XXXX XXXX XXXX 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

I submitted a compliant against Experian on XXXX and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

Complaint ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to XXXX 's Po Box and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from XXXX stating that I had mailed the payment to the wrong PO BOX and it provided me with the correct PO BOX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my XXXX refi to not go through because it shows two thirty day late charges. XXXX has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX I was working on purchasing a home. The Real Estate deal was progressing and was supposed to close on XX/XX/2024. 

XX/XX/XXXX, I received an email that appeared to be from XXXX XXXX XXXX XXXX asking me to wire the funds to close of nearly {$400000.00}. The amount was correct, the property address was correct, the email had a picture of the title company XXXX, the timing was correct. 

I wired the money to an account at Fifth Third Bank on XX/XX/XXXX which had the beneficiary ( account holders name ) entitled XXXX XXXX & XXXX. At around XXXX AZ time. 

On XX/XX/XXXX, in the morning, the title company called me and asked to set up a time to sign the closing documents and bring the funds to close. I told the Title Company that I had already wired the funds. 

When I forwarded the email, XXXX XXXX XXXX XXXX informed me that the account was NOT their account. I immediately went to my bank and had my bank issue a re-call of the Wire. 

I also filed a police report and called the FBI. I went to my bank every day to see if the funds were there and if the money would be returned as requested. 

The only answer I got was that Fifth Third Bank was looking into the matter. This cycle continued until XX/XX/XXXX ( after my banks attorneys sent a Demand Letter ) when Fifth Third gave us a definitive answer that all the money was gone except {$2000.00}. 

It took 22 days to get this response. I have no other answers. I would like to know who owns that account, where did my money go, how was the money moved out of the account, when was the money moved out of the account, has the account been closed, was there ever a fraud investigation, what was the result? 

During the 22 days, I sent 6 emails, 1 priority letter, and 2 phone calls to Fifth Third Bank requesting information. I was denied any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing these charges and to no result of being removed from my credit report. Ive called to credit bureau and I was lead here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are you advancing your frauds coverup by avoiding reply to CFPB XXXX? XXXX  are you choosing to further advance Nissans fraud smokescreen by avoiding reply to CFPB XXXX? Experian are you choosing to further advance XXXX  fraud conspiracy by avoiding reply to CFPB XXXX? 

XX/XX/XXXX @ XXXX XXXX, XXXX, XXXX and XXXX were emailed with this XXXX Request : XXXX lease XXXX was the 1st of 2 emails. The 2nd of 2 emails was @ XXXX Good morning : As email requested of XXXX , Experian and XXXX  , now 122 times : Mr. XXXX XXXX the lessee and the intended transferor. I was the intended transferee. In response to Mr. XXXX misrepresentations I was pleased with XXXX advised XX/XX/XXXX denied lease transfer, confirmed by its XX/XX/XXXX letter stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Experian and XXXX  please request my provision of this original letter should XXXX continue to persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. As requested in 122 emails since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX decline ( blank TOL part of the XX/XX/XXXX letter XXXX including XXXX returned to me approval, date and title consent to this ( after XX/XX/XXXX decline ) Transfer of Lease Agreement or return ASAP email that no such dated ( after XX/XX/XXXX decline ) Transfer of Lease Agreement ever existed. 

Attached is the XX/XX/XXXX dated letter I USPS received XX/XX/XXXX ( 1 of 2 email attachment ). If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit ( 2 of 2 email attachment ). To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Respectfully : XXXX XXXX 1. XXXX  and Experian please immediately advise by return email to XXXX if you have or have NOT, in entirety, removed any reverence to XXXX # XXXX from my personal credit report. 

XXXX subsequently delivered XXXX  clear evidence of fraud attached as XX/XX/XXXX XXXX received XXXX fraudulently represented lease to XXXX  and Experian. 

2. XXXX  and Experian please immediately advise by return email to XXXX that you have or have NOT received the same XXXX fraudulently represented lease? 

3. XXXX  and Experian please immediately advise by return email to XXXX that XXXX has or has NOT provided you its XX/XX/XXXX letter in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process?
Product: Debt collection

I entered a consumer credit transaction on XX/XX/2020 with Capital One and for the application it asked for my social security card which under 15 USC 1605 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any meaning no restrictions, that would mean my social security card which was used in this consumer credit transaction. Since this is commerce and the United States is a corporation under 28 USC 3003 and anything purchased using my social security card is Obligation or other security is of the United States under 18 USC 8. It's ambiguous to deceive a consumer into owing an alleged debt, when it was paid for at the start of the transaction, Capital One is just a extension of my Credit extended back to me. Capital One is furnishing deceptive forms, statements, and contracts that comes in a positive balance each month. XXXX positive balance and XXXX negative balance, it's impossible to pay on a positive balance because Capital One was paid at the start of the consumer credit transaction. They need to be held accountable for their actions in this corporation.
Product: Prepaid card

I have an AMEX gift card I received for the holidays and I can't seem to use it on any website. After multiple issues, I was able to reload money into my XXXX account using it but I don't want to use all of it on XXXX and any other site I've tried to use it on gets rejected.