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 addresses 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 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 reporting, credit repair services, or other personal consumer reports

As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 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. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX XXXX XXXX  On my XXXX credit report for the year of XXXX it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my Experian credit report it shows XXXX XXXX XXXX as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the XXXX XXXX it shows XXXX as late on my experian report but on XXXX it shows current.
Product: Credit card or prepaid card

I signed up for a CITI credit card in XXXX and still have the card active now in XXXX. At the beginning of the year I was given a spending summary that showed my spending habits, where I noticed an " other '' option, with a substantial amount of charges all towards the same thing " payment safeguard ''. I had seen this on my bill in the past, but always assumed it was a standard credit card fee. 

After doing some research, I found out this is an optional fee, and that CITI had lost a lawsuit against them in XXXX for misleading customers and signing people up for this " service '' without them knowing. I called CITI and was directed to talk to payment safeguard. The woman I spoke with was very nice, I explained the situation, she said she would cancel it for me and even mentioned reimbursement for the fees I had unknowingly acquired over the years. She said I would hear back from CITI. Weeks passed, and I heard nothing, I called again, was told to wait a few days. Weeks passed, and I heard nothing. I called again, talked online, was transferred here and there, at one point was told there was a pending refund on my account and to wait ... ..essentially I was given the runaround. 

My initial call took place in XX/XX/XXXX. In XXXX, I received a letter stating that my account had been open for too long so I would not be receiving any reimbursement. Once again I called CITI, got the runaround, was told it was Payment Safeguard I needed to speak with, that it was being investigated, etc. etc. I opened a case with the XXXX. Today, I received a call from a " citi executive '' stating they would be declining my request. I asked if she could confirm I ever signed up for the service, she could not. I asked how it was acceptable to charge people for something they did not sign up for, and she essentially told me that was my responsibility to dispute it. 

I mentioned that is what I was/am doing, seeing how I never signed up for the service and just recently found out that it was not a standard fee. She said she understood my frustration but would not be issuing any reimbursement. I mentioned the lawsuit and how it was terrible business practice to mislead loyal customers, customers who have used their services for over 16 years, she said she is sorry I feel that way and quickly got off the phone.
Product: Debt collection

According to Commonwealth Finance company, I owe {$430.00}, which is completely false. I did my research and based on what information I found out about Commonwealth Finance I am not the only one they have tried to collect a false debt from. I contacted Commonwealth Finance directly and spoke to a representative. I asked them to send me proof of this " debt '' I owe them and was asked to give personal information like my social security number which I found highly suspect. I believe this debt to be completely bogus, and will continue to fight it until resolved. These collection companies are taking advantage of people and ruining their their lives as well as credit scores like Commonwealth Finance is ruining mine. Please do something and have this company pay for their unjust acts.
Product: Vehicle loan or lease

The laws about making phone calls are unclear to me. I received a text message from my brother that lives in a different state with a voice message on it. The voice message was from the company that my husband is behind with my car payments. The car note is in my name. I would never in a million years list my brother as a contact or reference because we are not close and I do not want my family knowing my business. The voice message identified why she was calling, her name which I couldn't hear clearly, letting my brother or whoever heard the voice message know my full name and the account that she is calling about. Evidently the only way she could have received contact information on my brother is to do a background report to find my kin people. I'm a very private person and do not like my information shared with people I have not authorized to share with.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

I'm deeply troubled by the addition of this late payment to my account, as I've always maintained a record of punctual payments. This situation is causing me significant distress, and I urge you to rectify this error by promptly removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account was also removed on date XX/XX/2023 and section15 U.S.C 1681 ( i ) of the fair credit reporting act lays out requirements for them to reinsert accounts on my credit report states the credit bureau must send me notice within 5 days about the account reinserting back on my credit report & they have to explain what I can do to dispute this. They never sent me any notice of the account reporting back on my credit report. 


This XXXX XXXX account was also removed on date XX/XX/ they changed the name when reinserted back on my credit report and section15 U.S.C 1681 ( i ) of the fair credit reporting act lays out requirements for them to reinsert accounts on my credit report states the credit bureau must send me notice within 5 days about the account reinserting back on my credit report & they have to explain what I can do to dispute this. They never sent me any notice of the account reporting back on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in on XXXX XXXX file. In Accordance to XXXX XXXX XXXX a ( XXXX ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and XXXX violating my rights that I wanted removed. 


Inquiry : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX back XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened this account with XXXX to fix my daughter 's car and tried to take advantage of the interest free they offered for a XXXX  months period. 
I was on time on my payments except XXXX time when XXXX did not post the payment and charged me the interest, which reluctantly I paid. I asked for the payoff amount on XX/XX/2024, paid it off and I closed the account out of frustration... 

But they kept charging late fees on I don't know what. The account is closed and I did not charge anything since. 

Here are the payments I made ( not sure why they did not include the interest thy unlawfully collected ) : XXXX from Account {$82.00} XXXX from XXXX 's checking {$1700.00} This was the XXXX I asked for and I paid in full and closed the account. 
XXXX from XXXX 's checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX XXXX checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's XXXX {$70.00} XXXX kept sending them messages on their website XXXX the payoff initiated, but they kept sending generic responses XXXX I called them twice, was connected to a foreign individuals with a heavy accent that we could not understand each others... I got nowhere. 

I appreciate your help on the matter. 

Thank you, XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # 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 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 or other personal consumer reports

I initially requested TransUnion to verify the accuracy of my XXXXXXXX XXXX account as reported on my credit file. At the time, the account was reported with a neutral status of " Transferred '' and remarks stating " Purchased by another lender, '' which accurately reflected the accounts history. Instead of providing documentation to verify the account, TransUnion changed the reporting to include derogatory remarks such as " Profit and Loss Write-Off '' and " Account Closed Due to Transfer '' without providing any evidence to justify this change. 

This drastic and damaging change was made without documentation, violating FCRA 611 ( a ) ( 1 ) ( A ), which mandates that unverifiable information must be removed. The initial reporting of " Transferred '' was accurate, while the new derogatory remarks are both unverifiable and inaccurate, implying financial irresponsibility and severely impacting my creditworthiness. Despite their obligation to conduct a proper investigation within 30 days of my initial dispute, TransUnion failed to provide any proof from XXXXXXXX XXXX to validate these remarks. 

This failure to comply with the FCRA has caused unnecessary harm to my credit profile and financial opportunities, such as applying for a mortgage. I request the immediate removal of these derogatory remarks, as they were added unlawfully and without substantiation during the initial dispute.
Product: Consumer Loan

XX/XX/2015, I purchased furniture from Conns Credit with the loan amount for the furniture was {$3000.00}. I have paid {$2400.00} per Conns Customer support team with a balance of {$520.00}. I have a 24 month cash option that is interest free. Conns is reporting a cash balance of {$1000.00}. The customer support team has submitted three requests for the credit department to correct their mistake, with the last request being submitted to upper level management. I have attached online bill pay activity, cash option addendum, sales contract to support my claim of illegal lending practices of Conns. They will not respond to the NC Dept of Justice Consumer Protection division, my only hope for justice is the US CFPB. CONN 'S IS REPORTING {$120.00} A MONTH IN LIEU OF THE ACTUAL CASH PAYMENT OF {$170.00} BY BANK DRAFT, thus cheating me out of the difference
Product: Payday loan, title loan, or personal loan

They called my husband, which he has nothing to do with the loan or my debt
Product: Credit reporting or other personal consumer reports

concern, After reviewing my credit reports I noticed that you are Reporting un accuracy information on my credit reports ( XXXX XXXX XXXX XXXX + XXXX ) This account is reporting different information on all 3 credit bureaus. On This account the ( condition ) Shows different information The ( original balance ) Show Different balance on all 3 bureaus.

( Open dates & Reported dates ) are all incorrect.

Plus payment status is Showing different on all 3 bureaus Also
Product: Payday loan, title loan, or personal loan

I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in  a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.
Product: Credit card or prepaid card

I used a promotional convenience check. The expiration on the promotional interest rate of 0 % was XXXX. In late XXXX I realized the balance of the promotion was still virtually unchanged. I called to pay off the promotion balance to avoid the future interest on this balance. I was told that I could not pay on the promotion balance even though I had already paid the minimum due on the higher interest rate balance because of their algorithm. The promotion gives you 0 % interest for a limited time as long as you pay the balance within that limited time. However none of your payments go towards that balance and I was not allowed to pay that balance without first paying all the higher interest balances on the account. This is locking me into a high interest rate on this balance and unfairly leaving me no options to pay the promotion balance.
Product: Checking or savings account

I made a deposit on XX/XX/2022 in the amount of {$500.00} and I was told after making my deposit that it was being held due to an investigation. I made this deposit to a joint account HIWEVER I was not aware the other person on the account had an issue with PNC bank. I have never received anything in the mail or been contacted by PNC Bank with the results of their investigation. This was a debit to debit transfer from myself to myself so why there is an investigation in the first place makes no sense to me?? This is the only transaction on this account because it was just opened when I made this deposit. Today is XX/XX/2022 and my deposit is still being held. When I call the bank it says your balance does not include deposits waiting to clear in the amount of {$500.00} which is my deposit from XX/XX/XXXX Why is it still being held??????
Product: Credit card or prepaid card

This complaint is against Wells Fargo. 

My credit card with Wells Fargo was hacked and {$7000.00} of fraudulent charges were made on it starting in XXXX of 2018. The established pattern of banking consisted of 2-3 transactions per month, simply transferring funds from the credit card to my checking account in large dollar amounts ; typically {$2000.00} to {$3000.00} at a time ; as I managed cash flow. This pattern was in process for approximately 12 months. When the account was hacked, there were suddenly dozens of transactions per day in small dollar amounts made to XXXX and XXXX accounts. 

Wells Fargo failed to notice the unusual account activity and when I discovered the problem and brought it to the attention of their fraud department, they took no responsibility for the problem and refused to reimburse me for the stolen funds. They stated in a letter that since I had paid my bill, that I automatically accept all charges made on the account. This is unacceptable negligence and the poorest customer care I can imagine.

My complaints are the following : 1. Wells Fargo does not seem to have an effective system in place to detect unusual account activity or bank fraud.

2. Wells Fargo does not bear responsibility for failing to secure their customers bank accounts when they are compromised.
Product: Debt collection

I received a phone call from my HR department on XXXX/XXXX/XXXX at XXXX XXXX stating that Cash Central had called them and was looking for me and that they should n't be calling me at work for personal reasons and need to call my cell phone or home number only. They still call my work number and references on my account that I do n't even speak to or deal with. The refernces they have on file are from XXXX.
Product: Credit card

I applied for, and received, on XXXX XXXX, 2016, a Capitol One Platinum MasterCard, credit limit set at {$300.00}. I activated the account on-line immediately. I first attempted to utilize the card on XXXX XXXX, 2016 for a purchase slightly over {$10.00}. The card was declined. When I checked the account on-line, it showed the account as restricted. I contacted Capitol One by telephone on the morning of XXXX XXXX, 2016, and was told ( by XXXX ) there had been fraudulent activity on the account, and he acknowledged the attempted {$10.00} purchase. After thirty minutes without resolution, I requested a call back if there was resolution, and XXXX requested my telephone number. I did not receive a call. XXXX minutes later I used the Capital One on-line chat feature to request ( agent XXXX ) cancellation of the card. I was told I would have to call Capital One. I explained I had spoken to them for thirty minutes just earlier without any solution or resolution. I explained I considered the account closed and would not be utilizing it, would not accept responsibility for any charges, and would send written request to Capital One with a transcript of our chat. XXXX provided me with their mailing address. We concluded the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a auto loan on my credit report that i did not authorize i have no knowledge of this company and i have never financed or leased a vehicle in my life i do not even have license to be able to get a vehicle
Product: Debt collection

I reach out to this company asking about a debt i have no knowledge of and they went about it wrong and saying the going to harm my credit report and all type of other stuff i have no knowledge of this debt at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Transunion about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted Transunion and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.