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

Nature of complaint : Unauthorized hold of funds/Failure to return cancelled transaction Company : Square, Inc. ( Cash App ) Product : Mobile or digital wallet Description of issue : On XX/XX/XXXX, I initiated but immediately cancelled a {$500.00} transaction through CashApp when I discovered the intended recipient did not have an account. 

Prior to the cancellation, CashApp withdrew the funds from my account. Despite my repeated communication with them over the past 6 weeks, CashApp has failed to return my funds for over six weeks. Their customer service has repeatedly promised resolution/refund within " 1-4 business days, '' but no action has been taken. I have made multiple attempts to resolve this through their support channels without success. My bank has definitive, written proof via 2 investigations and my current bank account that the money was withdrawn from the account and never returned.

Resolution attempts : 1. Multiple contacts with CashApp support through the app 2. Social media outreach via XXXX and XXXX XXXX. Direct email attempts to customer service and executive team This seems to be an appropriate next step in terms of recourse. Desired resolution : 1. Immediate return of my {$500.00} 2. Compensation for time, resources, and fallout spent attempting t
o resolve this issue 3. Investigation into CashApp 's practice of holding cancelled transaction funds while insisting they've been returned Financial impact : {$500.00} direct loss, plus {$1100.00} in corresponding late fees with my rent and other expenses that were impacted by this debacle -- not to mention triggering my severe anxiety disorder. 

Supporting documentation : - Screenshots of cancelled transaction - Customer service chat logs - Email correspondence - Social media documentation - Bank statements showing withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Transunion Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

What XXXX DOJ, informed me over XXXX fraudulent Collection notices have been sent by RFGI XXXX XXXX XXXX XXXX, was informed by the XXXX DOJ Here is my story : XXXX XXXX for {$5900.00} This is from a XXXX that happened way back in XXXX Stale debt.. 

This is from a XXXX Account from " National Durable Medical '' XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX Oklahoma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search XXXX " XXXX Charged with Violating Federal Anti-Kickback Laws and Committing More Than {$4.00} XXXX in Health Care Fraud '' XXXX DOJ XXXX a victim of Medicare Fraud XXXX 

XXXX on XXXX, had XXXX surgeries, XXXX survivor, have further medical issues to be corrected in the near future.. Suffer from XXXX, Anxiety, and XXXX On a fixed income and have about {$65.00} left over every month after bills are paid.. I have a lot on my plate and to be involved with fraud that deals with Finances impacts me greatly psychologically, had to seek additional therapy due to this..
Product: Student loan

Date the check was sent from XXXX to SoFi : XX/XX/XXXX Date when SoFi cleared the check ( based on XXXX XXXX  records ) : XX/XX/XXXX Amount : {$350.00} Their reason for not being able to locate the check : Check was sent to SoFi address instead of XXXX address. This didn't make sense to me because for prior month, XXXX also sent check to SoFi and it did get posted to my account. Plus now my student loan is officially with SoFi. No more excuses. 

Action : I have contacted both XXXX and SoFi nearly XXXX times about this issue since I realized that my payment hasn't been reflected on my student loan account towards end of XXXX until today ( XX/XX/XXXX ). Originally XXXX asked me to have XXXX cancel the check and re-send it ; it's impossible since SoFi already cleared the check on XX/XX/XXXX. I provided check number and even a copy of the check that shows the {$350.00} was cleared by SoFi on XX/XX/XXXX. They originally promised me that the investigation would have result in XXXX weeks, but no one from either company can provide me the result of the investigation after XXXX month. All they say every time I call for the past XXXX phone calls is that they will submit another inquiry for me and there is nothing more they can do. 

Consequence for me : ( 1 ) I keep on getting delinquent calls ( 2 ) negatively impact my credit score ( 3 ) My account continues to accrue interest on that {$350.00} they already took
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX equifax XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
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 asked XXXX, Transunion and XXXX to reinvestigate to accounts listed below : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # 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 isn't reporting correctly. 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 an 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. Also they aren't in compliance with metro 2 credit reporting.
Product: Credit reporting

Trans Union has numerous inaccurate balance accounts and has reported accounts discharged in BK. These accounts were not included in my 2010 BK and were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 These companies have violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

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

I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
Product: Student loan

XX/XX/XXXX applied for lowest XXXX plan with my requested income re-certification date which was listed as due by XX/XX/XXXX. This date was incorrect as Mohela had sent this out to many people, while the XXXX was saying people wouldn't need to recrtify until months later. They canceled this application with no explanation. 
XX/XX/XXXX applied for lowest XXXX plan with consolidation application as I thought my loans had already been consolidated, but it was only some of them, not all of them and I found out I had to apply for the consolidation before XX/XX/XXXX so I did the application which included the XXXX plan information as part of the consolidation application. This one also was canceled despite the consolidation itself being processed. 
XX/XX/XXXX XXXX then called in once I saw they put me on the LEVEL standard plan instead of an XXXX plan, and was told they weren't sure why but that because I had done the XXXX application with the consolidation ( as it was set up in their own system ), I would need to do a new XXXX application. The representative told me if a I did a forbearance until the XXXX plan was corrected, that the payment time would not count toward XXXX and interest would accrue, which doesnt seem right when it is their mistake or their not processing the XXXX plan request properly. I immediately got off the phone and submitted a new XXXX application to Mohela. I recieved no letter, no email, and no message regarding this application similar to the previous ones. 
XX/XX/XXXX I called them again due to loggin in to see that the XXXX application done on XX/XX/XXXX with NO explanation, or communication was cancelled again! Was on hold for XXXX min before got a rep. That rep told me that even though it says canceled online, on his end it shows it processed today at XXXX and that no official correspondence has been sent yet since it was just done. He told me my expected payment on XXXX plan was XXXX, and that would start in XXXX for payments. I asked what about the {$490.00} payment due XXXX that should have been an XXXX payment, not a LEVEL. I said with the Level, it wont count on the XXXX, and that when I did the consolidation I asked to be put on an XXXX plan. He said that their stuff usually defaults to the Level plans at times and that yes, I could possibly do a forbearance temporarily but that wouldnt count toward the payments either. I told him I can not afford the {$490.00} payment, hence the XXXX plan application. He said he could put me through to an advanced rep who may be able to help with other options to do for the XXXX payment. I said great, yes I would like to be put through. I was then on hold again for XXXX hours, and counting with no one answering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX XXXX who is the attorney for XXXX XXXX in an effort to completely payoff a loan and they will not respond to me. THIS IS NOT A DUPLICATE COMPLAINT. 

Also, the amount is STILL incorrect that is being reported to the credit bureaus. The amount is, by their own admission in the documentation on this website, lower than the reported amount. 

I need two things done. An accurate amount of balance due and owing a response from XXXX XXXX ATTORNEY. Letter sent to them was " return receipt requested '' and it was uploaded to this website as well so I know that they have it. 

Both the attorneys and the company keep ignoring me saying this is a duplicate when they fail to see that this is a NEW COMPLAINT.
Product: Credit card or prepaid card

I would like to file the claim with DISCOVER BANK, who recently closed my account without any notice. This is my oldest credit card with over 10 years billing history. I was trying to solve this issue with the bank directly, but to my surprise, they did not cooperate and stated that it is the '' business decision '' they conducted regularly. I am very confused because they did not even disclosure any of the specific reasons on why my account being closed, either give me any opportunities to explain the situation. I thought it maybe relates to my recent disputes with XXXX XXXX, which I disputed for the items returned but no refund. However, since the cases are still open, I did not think it is appropriate for the bank to close my account directly without solving the issues. Actually, The merchant has already provided the proof of return from XXXX, and the case will be solved soon ( as attached ). Therefore, I felt extremely upset and have to file this claim with DISCOVER Bank for the further investigations. Appreciate if CFPB could step in and negotiate with the bank directly and reopen the account on my behalf. Thanks in advance.
Product: Debt collection

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 Date of inquiry Credit Bureau XXXX XXXXXXXX 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 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 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened?   I dispute these Item NEGATIVE ACCOUNTS :  XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted.    XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} I was never late on this Account :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days.  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days and please remove all data of these late payment must be deleted Experian. Experian did not compile with the  State Attorney  General  Settlement Agreement and 609.  Disclosures to consume rs [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ],   clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 )   ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or   causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the  consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Mortgage

Suntrust Mortage is not giving me my interest tax statement for XX/XX/XXXX. I have requested why it was not sent by XX/XX/XXXX, and I was told they did not " process it. '' They are trying to force me to change a permanent loan modification granted in XX/XX/XXXX. I told them they can not keep my mortgage interest hostage to try to make me change a permanent loan modification.