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 financial loss, and I seek appropriate redress. ( 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: Credit card or prepaid card

This is regarding a transaction dispute with case ID XXXX in the amount of {$250.00}. Credit card company is Citi. Date of original purchase XX/XX/2022. Date of dispute XX/XX/2022. 
I purchased a refundable air ticket with XXXX XXXX and within XXXX hours of purchase I contacted the merchant via phone for the ticket cancellation and a full refund. Per the cancellation policy the merchant stated that they would issue a full refund back to my credit card. However after XXXX months Citi still didn't post the credit on my account. Therefore I opened the dispute for the full amount of the charge. 
XXXX responded to the dispute by providing Citi with sales slips showing that they had issued the full refund of {$250.00}. However Citi determined that I was responsible for the charge. I disagreed with the decision and submitted additional explanation through email, which Citi received but didn't reverse its decision. I believe this was clearly an error made by Citi, but in the phone call the dispute department of Citi refused to reopen the dispute for further review.
Product: Mortgage

I filed an application for a loan refinance on XX/XX/XXXX. Today is XX/XX/XXXX. Every question has been answered on more than one occasion. Everything has been documented in full with no reasons for such a delay or adverse results. The appraisal on my home was nearly twice the amount requested for refinance. I believe that due to my age at XXXX I am being adversely selected against due to the 15 year term of the requested loan.
Product: Money transfer, virtual currency, or money service

My son XXXX XXXX XXXX ) has a Venmo XXXX debit card that I approved him to get. He has used this card for some time to manage his expenses without issue, and part of the feature of this card is that I get notified every time he makes a purchase, sends or receives money. As the parent, I help manage his account. 

On XX/XX/XXXX, I received 2 purchase notifications approximately one hour apart : one for a purchase at XXXX at XXXX and another one at XXXX at XXXX ( central time ). My son was asleep. 

He immediately reached out to Venmo to ask how to deal with these suspect charges since he did not make them. They indicated they could do nothing until the charges 'settled ' which was not for a couple of days. He then submitted the dispute and explained he did not make the purchase at XXXX. Note, the one for XXXX never cleared, so they obviously stopped it. They temporarily refunded the {$97.00} to his account for the disputed XXXX purchase. 

We explained the situation thoroughly and asked for the charges to be refunded. After weeks of waiting, they finally responded with the fact that the merchant " said these charges were legit and used to buy XXXX XXXX gift cards ''. He did not buy these. and I think we're all aware that gift cards are the typical vehicle for fraud. Also the fact that barely one hour later someone again attempted to use his number pretty clearly demonstrates that these purchases were both fraudulent. 

Venmo then proceeded to take the funds of {$97.00} from his account. I once again reached out to them to dispute it yet again and provided the same proof. I also scoured my son 's email to confirm he did not lie about the XXXX purchase, he didn't. This isn't something he'd do anyway. 

He's being taking advantage of as a minor, and never have I encountered so much pushback when I've immediately flagged fraudulent charges on a debit or credit card with other banks. I've never had to 'prove ' they weren't mine. Venmo is treating this very poorly and now my XXXX year old is out almost {$100.00} that he had nothing to do with. He never misplaced his debit card, either, so it's not like the fraudsters had the physical use of it. 

Did they ask XXXX to confirm WHERE the purchase was made via IP address? If it was made online they would have that information. Was it out of XXXXXXXX XXXX? They didn't provide that to me, that's for certain. They brushed us off entirely with a response of " XXXX said it was legit ''. 

I have attached the notifications I received when these fraudulent purchases were made. These same notifications were also provided to Venmo as part of the investigation.
Product: Credit reporting or other personal consumer reports

I want the inquiries removed I did not authorize any of these company to run my credit
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 reported 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. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have informed both credit bureaus and XXXX about reporting inaccurate information. The information provided by XXXX is not what shows on my credit report, therefore violating my rights. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.
Product: Mortgage

I received a letter in the mail from Polaris Home Funding Corp. This I learned after I called the number which made the letter seem as if it was sent from my mortgage holder. I called only because the letter indicated I had a mortgage balance significantly higher than I have. The letter includes the name of my mortgage company in large bold faced font, an account number under my mortgage company 's name, and the notation URGENT NOTICE! PLEASE ACT IMMEDIATELY! Again, in HUGE FONT. 
I called the number ( XXXX ) and left a message. The voice mail greeting on the number gave a name only and did not indicate the name of the lender. I received a call back from a man who informed me he was with Polaris. He informed me that if I looked at the very bottom of the very official looking letter I received, I could see in the XXXX point font that the letter was from Polaris ( vs the XXXX point HUGE font used at the top of the letter with my lender 's name ). He told me the info in the letter including my mortgage balance comes from the marketing firm they use and can be wrong but assured me that Polaris is legit. He told me Polaris is acting within its legal rights to solicit, and the letter I received complies with legal requirements. 
Really? You send an official looking letter with a loan number on it and direct the recipient to call in immediately. The phone number in the letter does not indicate it is from Polaris. The voicemail greeting on the number provides a name only does not indicate the lender. If this is legal, it should not be. I feel for older borrowers or those who may not realize they are being scammed into contacting someone under false pretenses aka a solicitation letter that looks on its surface to be from the borrower 's lender but is not. 
These letters should require the solicitor to identify itself on the outside of the envelope, under the phone number presented in the letter and when answering the phone/ voice mail greeting. 
To send out this letter and have borrowers call in and divulge personal information should surely be against the law/ truth in lending requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card

I noticed a charge of {$96.00} from the vendor XXXX XXXX XXXX which posted near the end of XXXX on my Advantage Airline credit card managed by Barclays. I have never interacted with XXXX XXXX XXXX, and in fact didn't know the company existed until the fraudulent charge appeared. I called Mastercard number on the back of my card and the gentleman suggested they issue a new card, which happened. 

On the next bill, the charge remained, so I called the company again and followed up with a letter, attached. 

The charge remained, so I called again. This time they said they would review the dispute. The woman also said " the chip was present '' and that " since the other charges that day were not disputed '' that I must have made the charge. In fact, there are no other charges that day listed. I never had any dealings with the vendor. So, to me, this charge was just added to my account without justification or evidence that I made the charge. 

After this call, my account now showed a second XXXX XXXX XXXX  charge for the same amount. I called again and was told the 2nd charge was just an accounting error, and would be removed ( it was ), but the original charge was NOT removed. 

I have not heard anything more from Barclay 's Mastercard and the charge remains. 

In summary, I called multiple times and sent the attached letter via surface mail. I also called after this letter and they again said they would review my case. In the meanwhile, I paid all but the disputed charge. However, the charge remains and I am now being asked to pay a minimum fee and interest has begun to accumulate. I have never received anything in writing. 

I appreciate your help. I have never had a credit card company refuse to remove a fraudulent charge before, so I am somewhat at a loss here. I don't know when the next charge will magically appear, so I have locked my card for the time being and paid all but the disputed charge.
Product: Credit reporting or other personal consumer reports

Hello I had no knowledge of these accounts and did not approve or give permission to use my information for these fraudulent accounts its not fair that I had no clue at the time that these accounts was reported to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XXXX on XX/XX/XXXX. I received a result on XX/XX/XXXX that my account did not change. I requested for my XX/XX/XXXX late payment to be removed because on my discover account and XXXX  XXXX XXXX account. It has shown I had paid in XX/XX/XXXX. 

I disputed on XXXX on XX/XX/XXXX. 
I explained my situation, Affected by COVID-19. I was finding stable job. My first job did not ethically pay me. XXXX XXXX XXXX had a civil lawsuit due to not paying workers lunch, break, and overtime. 
I provided sources of this outcome. I did receive part of a settlement in early XXXX. I work with children with XXXX  XXXX. I provide XXXX XXXX in the XXXX  department. It is still difficult post covid as children and their families are still getting covid. 
I was transitioning to a second job and third job early-mid last year and I had to wait 3 weeks for partial of my payment post payroll as my supervisor made an error on my end and had me work longer with no pay. It was not until XX/XX/XXXX, I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that has allowed me to be consistent with all payments and I have not missed any since I received that job. 

Today, XX/XX/XXXX, I received no results regarding this incident.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports again and it still shows the fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXXXXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX XXXX XXXX {$50.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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

Upon checking my Credit report I have noticed a late payment on my report. I was also affected by Covid 19. Also according to 15 USC 1666b " a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. '' Please Update and remove this late payment from my account. 

XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed an error reporting on my Experian report. In XX/XX/XXXX, the item was disputed and removed. I received no notification prior to reinsertion. XX/XX/XXXX, the item was added back to my credit report
Product: Money transfer, virtual currency, or money service

My XXXX year old son died, unexpectedly on XX/XX/2017. In the process of dealing with his death and estate, I closed out his bank account. I noticed that he had made payments to CoinBase which I later learned was a company that sold and/or held virtual currency. I have tried, on three different occasions, to contact CoinBase through their website to find out the process to go through to get access to my son 's CoinBase account. I've not received any response from CoinBase even though their website says they have customer service to deal with matters such as mine. I have my son 's death certificate, the court authorization for me to act for the estate, a screen shot he sent to his brother the night before he died with his CoinBase account. He used an XXXX and we tried to get XXXX to unlock it so we could have access but they refused as part of their privacy initiative. I feel helpless and don't know how else to contact them and I'm hoping that contact from XXXX may get their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I see a account on from XXXX XXXX XXXX that's not mine it's a fraudulent account an shouldn't be on my credit report for XXXX
Product: Debt collection

I, the consumer, disputed this debt in XXXX of 2020 with XXXX XXXX XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX
Product: Credit card or prepaid card

Wells Fargo closed my credit card accounts due to inactivity which negatively affected my credit score which in turn I was not able to obtain a good mortgage rate, & insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of XXXX XXXX, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education XXXX  Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a XXXX XXXX victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX