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 process was unfair and deceptive, as the 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: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent two transactions using an app payment method ( XXXX ), on for {$20.00} and the second for {$200.00}, I was buying tickets from someone for a total of {$430.00} and was told I can pay the rest of the money once I received the ticket. On XX/XX/2018 I further ask information about the tickets and the person selling the tickets blocks me. Then through the app I " request '' a total of {$220.00} back from the scammer, I request it on XX/XX/2018 and get declined twice. I also called my bank to dispute the transaction and they tell me they are unable to do so. This is someone I trusted and was acquaintances with, so I was given no reason not to trust them. I then looked them up on social media and was also blocked from all of their accounts, however I saw this happened to another woman by the same guy and i have been in contact with her as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Because of my identify theft issue, cyber criminals able to deposit fraudulent checks and withdraw funds thru electronic transfers. That caused other transactions bounced back with return fees and overdraft fees.
Product: Debt collection

I worked with XXXX XXXX XXXX in order to come to a settlement with Mercury Credit cards, XXXX received an agreement from Mercury Credit cards and I made my final payment to mercury credit cards of XXXX  on XX/XX/year>. Mercury credit card is claiming they only received XXXX on XX/XX/year>. Right now I am currently working with XXXX to get this resolved, XXXX has my back and believe Mercury is trying to double dip Im here to report Mercury, because now they are hurting my credit reporting late payments, when I dont owe them a XXXX  anymore!
Product: Checking or savings account

My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in  arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.
Product: Debt collection

Spring Oaks Capital has contacted me via writing to acknowledge me of a debt that I supposedly oew to them, without an account number, a bank that I am not familiar with and will not respond to my requests for a full and complete debt validation letter. It is my understanding that because they are a XXXX party collector, they are unable to complete this type of request because there are no contracts between them and myself. In good faith, I reached out ad offered to settle the account because the negative marks hinder my score. They do not respond to any of my mailings.
Product: Debt collection

THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME
Product: Credit reporting, credit repair services, or other personal consumer reports

SCAMMED by Student Loan COMPANY. American Student Loan Company reached out to me several times via phone in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, The phone calls from XXXX were pretty convincing. 

She also spent the next 4 months convincing both my husband and I that ALL of my loans would be forgiven, but I had to ACT NOW. Every time we called or she called she said she had my case right there and could see my information. They ALL will be forgiven ( her words not mine ). She said we must act now before the Obama Administration ended for our case to be heard. When the new administration would end, I would be grandfathered in. She said you worked with a team of lawyers that would fight for my case. She convinced us not to pay on my current loans but to make monthly payments to their company to take on my case. Due to the fact she said she had my information in front of her, I assumed she was a legal assistant or aid. She made me feel like they were adamant about fighting my case. 

A year went by and still no contact. Not from American Student Loan Advocated or a lawyer. No conformation anything was done, accomplished, sent, more information needed, nothing. When I contacted the company a year later to see what was going on, they said my case was closed 2 years ago, which means my money was just taken., I was flat out lied to from someone who I believed had a legal background who was giving financial and legal advice. No lawyers were ever represented. The company took my money and submitted an email on my behalf, all which I could of done for free.

Dates : XXXX XXXX-XXXX XXXX : American Student Loan Company contacted me via phone. XXXX spoke to me over a 3 month period. 
XX/XX/XXXX : First payment was given to the company in exchange that I stop making payments on y current student loans. 
XX/XX/XXXX XX/XX/XXXX : 7 payments of {$100.00} were taken XX/XX/XXXX to XX/XX/XXXX : No contact from the company or lawyers like expected XX/XX/XXXX XX/XX/XXXX : Emails between XXXX XXXX XXXX. Offered a partial refund and to re-consolidate my loans XXXX XXXX XX/XX/XXXX : Nothing has been done or settled
Product: Money transfer, virtual currency, or money service

XXXX XXXX on XXXX XXXX. The person ( XXXX XXXX ) messages me interested in the item. They wanted to send me money through XXXX but, said that when they sent the money it requires them to send an extra {$500.00} due to me not having a " XXXX XXXX Account '' so I would have to send them back {$500.00}. being unfamiliar with XXXX and in a hurry because I was doing this while at work I assumed this was something legit and went ahead and sent them {$500.00} through XXXX XXXX XXXX was the name on the XXXX account ) so I could finish the transaction. 

After I sent the transaction I got a notification from my bank chase that the payment would be under review before it would clear so I called them to make sure the payment went through when I informed them about the situation they told me it was a scam based on the details. since the payment didn't go through yet I tried to get it canceled and they said that since I called right away that the payment was able to be stopped since it was still under review yet an hour later the payment actually did go through on my account.
Product: Credit reporting

THE REASON FOR MY COMPLAINT AGAINST TRAN UNION STEMS FROM TRANS UNION FAILURE XXXX INVESTIGATE XXXX FRAUDULENT INFO THEY PLACED ON MY CREDIT REPORT.XXXX HAS FALSIFIED MY CREDIT REPORT BY CLAIMING MY XXXX IS IN COLLECTION XXXX HAS NO DEBT COLLECTION LICENSE FROM DCA SO THEY ARE BREAKING THE LAW.IN ORDER 2 DEBT COLLECT IN XXXX YOU MUST HAS A LICENSE..
Product: Credit reporting or other personal consumer reports

15 U.S. code & 1681c-2 a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than 4 business days after the date of receipt ; by such agency of XXXX. It has been 30 days and they are in violation of this law because I am a victim of identity theft. Please see that these items are DELETED immediately .These accounts should not be furnished on my consumer report as they are in violation under 15 u. .s. code1681b permissible purposes of consumer reports [ a ] IN GENERAL to subsection [ c ] any consumer reporting agency may furnish a consumer report under following circumstances and NO other ; [ 2 ] in accordance with the WRITTEN INSTRUCTIONS the consumer to whom relates. I never gave ANY consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am DEMANDING the deletion of the accounts listed. 
All XXXX XXXX accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts XXXX IN collections its XXXX items XXXX XXXX XXXX, XXXX, and XXXX. Thank You In Advance.
Product: Mortgage

Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an Apple Card Goldman Sachs card and have never had issues up until recently. In XX/XX/2023, Goldman Sachs/Apple Card restricted my account without any explanation or reason. When I contacted them I informed them that I was a victim of fraud in mid XX/XX/2023 where someone got a hold of my social security number, Apple Card number, XXXX  XXXX bank account number and other personal information. The fraudster tried to open a XXXX XXXX XXXXXXXX checking account but was unable to and XXXX informed me of this XX/XX/2023. I subsequently filed a fraud alert with all three credit report agencies, XXXX, XXXX, XXXX and XXXX. I also filed a police report on XX/XX/2023 and provided them with this information and the police number. I have contacted them on numerous occasions and have been told that my account would be unrestricted within a few days but it has no been nearly a mont since its been restricted. I am not given any explanation as to why, or a time frame. I am told I can also not call this department and that they only make outbound calls. This is incredibly frustrating as I have had the AppleCard for years and have never had issues. Please help me resolve this.
Product: Debt collection

I just feel so disappointed big banks like BOA are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in BOA to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had BOA mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in BOA short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since BOA did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from BOA and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The XXXX Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to request a settlement offer, if paid in full today, XXXX, no reps were available to speak with due to limit staffing because of Pandemic.  The account, Amazon credit issued by Synchrony Bank, has been closed and has a balance currently in the amount of {$720.00}. If a settlement offer is available, I will gladly accept and pay off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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

I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the Inaccurate items in my file that resulted from the erroneous items but I still have ITEMS left that needed to be removed. This is my another complaint attempt to dispute the information in my credit file which resulted from an incorrect credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -- -- -TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any information in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Money transfer, virtual currency, or money service

my PayPal account was permanent limited on XXXX they're permanent limited my without reason. i try to please theme to back my account but they rejected and said there nothing they can do to back my account. my PayPal is very important to me because that's all i have to earn money. please help back my account. i really need my account.
Product: Mortgage

I am an elderly woman trying to get my loan caught up, trying to get a modification for the last 12 months with Wells Fargo. Every week they ask me for new stuff, after I send everything they ask. All of this faxing and overnighting paperwork has been very expensive and very hard for me. I have also spent over {$200.00} getting profit and loss statements from my son 's accountant, but they keep asking for more. I do XXXX sales as a side business to generate income besides my fixed income. I am only trying to save my house and they are making it XXXX. Here is the email last week I got from Wells Fargo asking for documents and I ca n't even believe it. My son wo n't be back for 2 weeks and I do n't know how I am going to find a ride all around town to get all of these things, when what I have already sent should have been plenty! I need some help Wells Fargo will not help me! 
Email from XXXX XXXX at Wells Fargo dated XX/XX/XXXX : ***MISSING INCOME DOCUMENTS** 1. Contact from borrower directly to obtain verbal clarification that she is requesting a modification. - MY XXXX TOLD ME THE RMA ALREADY SUFFICES AS PROOF THAT WE ARE REQUESTING A MODIFICATION, AS WELL AS MY HARDSHIP LETTER 2. Completed Request for Mortgage Assistance to be signed by the borrower at a Wells Fargo branch office and notarized by a Wells Fargo employee. This signed RMA must be faxed directly from a Wells Fargo Team Member in the branch. - I AM XXXX. THIS IS AN UNNECESSARY DELAY! 

3. Transaction history for the past 3 months for business transactions. This must be provided directly from XXXX. 
- I DO N'T EVEN KNOW HOW TO GET THIS! I CA N'T CALL XXXX TO HAVE ANYONE SEND IT DIRECTLY ... I DO N'T KNOW WHAT TO DO. MY COUNSELOR SAYS THIS IS NOT NECESSARY BECAUSE I PAID MY ACCOUNTANT EVERY TIME THEY ASK ME FOR A NEW P & L AND THAT DOES N'T WORK, NOW THEY ARE ASKING FOR THIS! 

Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. Thank you.