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 for theses violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES EXPERIAN XXXX  AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a business banking account with Truist Bank. I was denied based on information provided by XXXX XXXX XXXX. I requested a report from XXXX XXXX XXXX and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts
Product: Checking or savings account

We opened an account with Simple in 2020. In XXXX we were informed that the account would be closed prior to their merger with BBVA and we would be receiving a check in 7-10 days. When no check arrived, we began calling. Though no one at BBVA denies that we had an account with $ 5000+ in it, they are unable to explain why the check has not come, or to send a new one or return our money to us in any way. We have called more than 5 times and spent easily 6 hours in phone calls working on this issue over the last 2 weeks.
Product: Vehicle loan or lease

I had an auto loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XX/XX/XXXX my car was repossessed. At that time I learned that XXXX was no longer the lender and West Lake Portfolio Management had assumed my loan from XXXX. I was never notified that West Lake was the new lender, prior to that time my payments were on auto draft from my bank with XXXX. West Lake claims they made attempts to notified me that they were the new lender but I did not receive any emails, phone calls or mail. They also confirmed with me that all my mail was returned to them. I am an XXXX XXXX military and I do move often, West Lake had my current email, phone number and personal references but made no attempts to use that information to contact me. I feel like West Lake did not make adequate attempts to try contact me and repossessed the car prematurely. When my payments didn't come out of my bank account from XXXX, I called immediately but was unable to speak to anyone, operator stated 'not available '. By the time I made contact with West Lake they had already repossessed the car and added substantial amount of fees to the past due amount owed. On XX/XX/XXXX I made a payment in the amount of {$100.00}. I was prepared to pay the full amount that was past due. But due to the excessive fees ( towing, storage, late fees, auction fees, etc. ) which I do not feel that I am responsible for I did not pay. I feel like these fees were avoidable if they had made proper attempts to contact me. I am an XXXX XXXX solider and West Lakes premature actions have caused me and my family a serious hardship.
Product: Credit card

I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.
Product: Debt collection

I contacted CFPB about a debt collection notice I received from Midland Credit Management. The account they were trying to collect on was fake. It was for a XXXX credit card that I never opened. I filed the complaint with CFPB. Midland responded that they purchased the debt from XXXX and insisted I contact them to resolve the debt. XXXX later responded acknowledging that the account was falsely opened and stated that they would recall the account from Midland Credit Management. Both also CLAIM that they have not damaged my credit. 

If XXXX is acknowledging that the account is fake and that they're recalling the account from Midland, why is Midland claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
Product: Debt collection

Wife received phone call from Diversified Consultants claiming an old XXXX  bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 Diversified placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to Diversified Consultants and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from Diversified. Mid XX/XX/XXXXafter the 30 Day sent another letter for Diversified to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated.
Product: Credit card

Experian refuses to block even though I continue to send the request of documentation
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Greetings, I've spoken to numerous representatives and supervisors at Loan Depot about 2 short mortgage payments which they informed me could not be processed and would send the payments back to me in a form of a check. We have been dealing with this issue since XX/XX/XXXX. I received check # ( XXXX ) in the amount of {$1800.00} recently on XX/XX/XXXX and the other check ( XXXX ) which was issued on XX/XX/XXXX was supposed to be stopped & reissued I was told by a rep ( XXXX ) I  would receive my check by XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who informed us that my check was still in a suspension account. At that point I asked if I could just make a payment for the difference so that they could process the payment in full. I was told they would be able to accommodate my request. We made a payment over the phone in the amount of {$95.00} to ensure the full loan amount of {$1900.00} would be applied to my XX/XX/XXXX mortgage payment. They assured me they would wave all late charges. The situation was still not resolved I called again and spoke with a Rep name XXXX ( sorry for the spelling error ) he informed me that the misapplied funds were not put into their system correctly to fix the issue. He then assured me that he could fix the problem because it was just a clerical error. He stated it was a matter of putting in the correct code. I asked to speak to a Supervisor he told me XXXX XXXX was going into a meeting and not avail but they would fix the issue. On XX/XX/XXXX I spoke with XXXX XXXX who stated he was a supervisor he acknowledged he understood the situation asked us to give him the opportunity to correct the issue before we went ahead and pursed legal matters. He stated he would make sure the misapplied payment would be applied to my XX/XX/XXXX mortgage payment. All late fees that were assessed would be reversed any negative reporting to my credit would be reversed. I asked for all of this in written which he said could not be given. I asked for an email address he said he would give me that either. I've called to ask for a corporate number which they say they don't have. I've been transferred and hung up on numerous times. XXXX has not called me to make sure this situation gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$7000.00}
Product: Debt collection

I received a court notice of judgement and default stating that I had been sued for a debt on XX/XX/2020 from the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law on behalf of Collection Bureau , Inc. I received no prior notices of the lawsuit and the court papers do not state what the debts are owed for. They entered a judgement against me for {$880.00} plus attorneys fees of {$400.00}, {$200.00} in other costs for a total of {$1400.00} for failing to respond to the lawsuit which I never received notice for. They served my court papers to a person not related to me and who I do not know and had them sign for me ( if it was required for the person receiving the papers to do so ). I furthermore do not live at the address they had served to and have not lived there in six months. This is a violation of my privacy as the person receiving my mail and court papers did not have the legal right to do so and it potentially gave them access to my personal information that they were not legally entitled to because the papers contained the court case number which the person could have looked up. Luckily, the person who received the mail did the right thing and forwarded it to the post office who then forwarded this first notice of the lawsuit to my current address ( I have had trouble with the post office properly forwarding my mail to me since XXXX and I have called the post office several times to try to resolve the issue ). Therefore, the attorneys for Collection Bureau , Inc. falsely certified to the XXXX County Court Clerk that they had served me with the court papers when they in fact had not. Therefore, I had a judgment entered against me for debt I was unaware of and am not sure is valid because I failed to respond to a court notice that I never received. 

I have no knowledge of owing them any debt as my husband had paid Collection Bureau , Inc. some outstanding medical debts on my behalf back in XX/XX/2020. As far as I am aware, I did not owe them any more money because they sent me no notices notifying that I owed them further debt. 

I called both Collection Bureau , Inc. and the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law to notify them of their improper court filing on XX/XX/2020. I also emailed the law office on XX/XX/2020. They assured me that they would be placing the judgment on hold. I plan to file a court response to let the court know that I was not aware of the lawsuit or what the debts they list are for since my husband had already paid them in XXXX for previous medical debts I had owed and I believed the debts were no longer owed.
Product: Checking or savings account

I have a credit builder card with Chime Bank and the money is taken from my checking account so it works like a debit card. XXXX Wednesday XX/XX/XXXX at XXXX Chime claimed XXXX XXXX charged my card for {$96.00}. XXXX XXXX claims they did not charge my card. I opened a dispute with Chime and it has been almost 30 days and I still do not have my money back from Chime. I need my {$96.00} returned immediately
Product: Credit card

Dear CFPB, I am filing a complaint against Chase Bank regarding their mishandling of a fraudulent transaction dispute on my Chase Sapphire XXXX  credit card ending in XXXX ( recently was issued a card replacement, new card number ends in XXXX ). Despite clear evidence that I was scammed, Chase has repeatedly denied my dispute, failing to properly investigate the case. 

On XX/XX/year>, my wife purchased a XXXX XXXX XXXX XXXX from an XXXX seller for {$960.00}. The seller provided a tracking number that was later used as " proof of delivery. '' However, the seller fraudulently sent an empty XXXX envelope to the wrong address instead of the camera we purchased. 

**Key Facts Supporting My Dispute : XXXX. XXXX confirmed that the package was an empty envelope and not the camera. After contacting XXXX, I was able to retrieve the package, which was clearly not the item I paid for. 
XXXX. The seller used a " tracking number scam '' a known fraud method where a seller ships a lightweight, worthless package to a different address so the transaction appears as " delivered. '' XXXX. Chase denied my dispute without properly investigating, stating that XXXX provided a tracking number. However, they failed to consider what was actually delivered, which was not the purchased item. 
XXXX. I attempted to resolve the issue with both XXXX and Chase, but neither provided a fair resolution. XXXX refused to intervene, and Chase ignored key evidence that this was fraud. 

Desired Resolution : I request that Chase be required to properly investigate this dispute and issue a full refund of {$960.00}, as I did not receive the product I paid for. Additionally, I ask that CFPB review Chases dispute handling process to ensure they are not automatically siding with merchants when fraud is evident. 

I have attached the following supporting evidence : - Screenshot of my XXXX purchase details ( showing item, seller, and price ). 
- XXXX documentation confirming that the package was an empty envelope** and not the purchased item. 
- Photos of the received package ( empty envelope ) as proof of fraud. 
- Chases dispute denial response. 
- A letter and a voicemail from the local XXXX office confirming the contents of the package and incorrect shipping address listed. 

This is a clear case of frau*, and I appreciate the CFPBs assistance in ensuring that Chase follows proper dispute investigation procedures. Please let me know if any further documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.
Product: Credit card or prepaid card

A fraudulent charge from XXXX appeared on my Capital One Visa credit card in XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018. I reported the charges and they were refunded and my card was canceled and I was issued a  new card. In XX/XX/XXXX another new fraudulent XXXX charge was added to my new credit card. I called to complain, they explained that the " updater services '' they provide, give the fraud account the new credit card number automatically and that's how they got it. They canceled my 2nd card, and issued a 3rd card. Capital One put a block on the merchant, apparently preventing them from making any new changes on my cards. Now for the month of XXXX, there is another pending charge from XXXX on my 3rd card and the cycle will continue and there's nothing I can do about it. I also called XXXX to inform them of the fraud and they did nothing to help me, because I can't give them the account number for an account I didn't create. How can any of this be legal????
Product: Student loan

My loan company is Navient, and as we know already Navient has had some serious issues in the repayment aspect of student loan borrowers. Navient has only tried to contact me through my school email, never once sent anything to my home address ( as they legally should ) and never once contacted me on my phone. They actually stated on the phone call that they had my sisters number as a contact because they only reach out to those that may have contact with me, but she never had any loans through them. 
The only reason I finally reached out to them was because I take my credit score very seriously, and learned of " serious deliquences '' that happened to be from Navient. 
I have another loan company, XXXX, who has contacted me and sent information home, in writing, to help with every step of the way, from deferrment to repayment. 
I am not asking for loan forgiveness, but I believe that Navient purposely hid this loan from me in order to have my interest shoot up, and in turn hurt my credit score, which hurts my personal life all for their gain. 
Lastly, on the phone they pushed for me to go into forbearance as they had with many people in their case in order to help them gain money. 
I did so because it seemed to be my only option and it was before I read up on the case against the entire company. 
I would like the interest forgiven and for them to put my payments back into a constant payment plan, and I need your help.
Product: Credit card or prepaid card

I made {$650.00} online purchase on XXXX for an XXXX in XXXX ( posted on XX/XX/2020 ), which I think is entitled to 10 % credit as advertised, but I did not get it. I tried to message the customer service and got the reply on XX/XX/2020 as follows, " Our records indicate that the purchase of {$650.00} on XX/XX/2020 ( XXXX/XXXX ) did not qualify as an online purchase. 

Our records indicate that you did not make any qualifying purchase for the below offer during XX/XX/2020 - XX/XX/2020, therefore no credit was awarded for XXXX and you did meet the minimum threshold ( {$610.00} and {$610.00} ) of the promotion during XX/XX/2020 - XX/XX/2020 and XX/XX/2020 - XX/XX/2020, therefore {$60.00} and {$60.00} credits were awarded for the below offer for XXXX and XXXX. 

Offer : You can earn 10 % back in statement credit up to a total of {$60.00} each month for total eligible ONLINE purchases that are made each month to your Sears Mastercard and from XX/XX/2020 and XX/XX/2020. '' It is weird that they think my online purchase of XXXX on XXXX is not an online purchase. If this is not an online purchase, I don't know what is an online purchase? What is the definition of online purchase? 

For clarity I have attached my invoice of the purchase for your reference.
Product: Debt collection

This is n't my debt I did n't cosign or anything this debt is my XXXX child 's debt and they do n't even live with me these people are calling and harassing my husband and I on our home phones and cell phones
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions