23daVinci/CFPB_Complaints huggingface dataset:
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 practice, 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 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given Experian numerous times to comply with my request to update my information as true and correct. I have expressed that all other personal information is fraud and not linked to the informed consumer in any way. 
Because Experian failed to remove incorrect names and addresses, I the consumer was denied an extension of my credit so that I can provide an abode for myself and my children. 
XX/XX/2023 I had to flee my home from a domestic abuser. XX/XX/, I was denied housing from XXXX XXXX. I had to stay in a womans shelter here in XXXX XXXXXXXX XXXX XXXX My XXXXXXXX also suffered XXXX XXXX from living in a crowed shelter. I gave birth XX/XX/, to my daughter while living in this shelter due to Experians lack of duty and respect to my personal information I suffered XXXX XXXX
Product: Credit reporting

On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on XXXX XXXX.
Product: Credit card or prepaid card

I filed complaints about services nor renered by XXXX XXXX ( lost or non delivery ) I asked for sendee signed acceptance to prove it delivered. Three months passed and no receipt XXXX statement rebill {$15.00} dispute XX/XX/XXXX statement credit {$200.00},, and then same time rebilled {$200.00}, what happened to dispute?? no letter or reason why rebilled In XXXX statement rebilled {$15.00} dispute, why?? again no reason given XX/XX/XXXX statement credit {$14.00} and then rebilled {$14.00} ( transact date XX/XX/XXXX whys is there credits given and taken back without explanation or requested documentation I needed back from dispute ( ex delivery receipt or reason fro rebilling ) Covid caused madness and confusion but no reason to not notify me in loop of mercant reply Please once and for all put staff to provide customer service vs " customer no service ''
Product: Payday loan

I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 years waiting for an insurance payout from American Express and ongoing excuses, I stoped payment on my credit card. this is in my eyes a dispute about service etc and has nothing to do with me being not able to pay my credit card balance. note : I was a customer with American express for 16 years and never late. 
now, American Express opens and closes my account and pulls my credit every time more down. I contacted XXXX about XXXX XXXX. in writing via XXXX and via mail. excuses and no changes.
Product: Credit card or prepaid card

XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX  THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX XXXX XXXX EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Product: Debt collection

I have never lived in the state of New Jersey, they dont have a copy of my identification or social security card saying that I signed a lease they have nothing on file with my personal information
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

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

I have had automatic payments taken from my bank account in the same amount for approximately 2 years. Recently Bank of America changed my minimum monthly payment to more than what was being taken from my checking account. I was unaware of this change which resulted in penalties and fees and a bad credit report because my minimum payment was increased above what was being deducted from my checking account. When I called to resolve this problem I was on the phone for at least 30 minutes and was then told the only way I could change my payment amount was online. When I went online to change my payment amount I was denied access because my credit card account had been closed by Bank of America.
Product: Student loan

I graduated from XXXX XXXX in XXXX of XXXX. I immediately began repaying my XXXX XXXX loans. I have XXXX loans with XXXX XXXX, XXXX of which are about XXXX a month and a third that is about XXXX a month ( with a monthly total of about XXXX XXXX. I have tried on more than one occasion to consolidate these loans in hopes of making the payment lower. I have not been successful due to the fact that I have insufficient income. ( So, I do n't have enough money to make my payment less, but I have enough money to keep paying XXXX} a month ... makes no sense ). Since my loans have been in repayment, going on almost XXXX years I have paid off less than XXXX  per loan. So years of repayment of XXXX of my salary and I have barely made a dent in any of them. In my current career I have been offered a promotion, in order to get this promotion I have to attend a graduate program. I have had to turn the promotion down because my loans are too high. I also, am unable to secure a mortgage and will be renting until these loans are paid off in XXXX years. I am disheartened by the way that XXXX XXXX treats the people who are trying to further their education. At XXXX point in my loans I relocated for my career and when I told them I would not be able to make payments while this was going on, they told me to ask my cosigner. No deferment was offered. When I first took out these loans many years ago they advertised " XXXX XXXX XXXX XXXX' but in reality the only one who is flexible is me. I am the one who has flexibly ruined my finances for life over student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXX Balance {$1500.00}.
Product: Debt collection

On Friday XX/XX/2019 Convergent Outsourcing Inc contacted my father about an alleged debt with XXXX XXXX. They told my father details about this debt including amount owed. I never gave Convergent permission to speak about this debt to anyone. My FDCPA rights have been violated. I previously had written to them to verify this debt before this occurrence. I still have not received this verification. When I spoke to them on XX/XX/19 I also verbally told them that I would like this debt verified and last time I spoke to somebody about this debt I had also asked them to verify it.
Product: Credit card or prepaid card

I paid on X/XX/2017 with my American Express for car rental in Amount {$720.00}. I used my American Express card because it has car insurance. About 3 weeks after I have return my car I had additional charge on my CC in amount {$250.00} from different company that I paid for car rental. It was probably subcontractor to original rental contract.

I have disputed this transaction and turned over to American Express Insurance for investigate. They investigated and sent me letter with information that I used XXXX XXXX  to pay for this rental, not American Express. I think it is fraud on American Express side since {$720.00} charge is shown on my statement and I have paid this charge.

American Express re-posted transaction in amount of {$250.00} on my statement. If this is true they should refund {$720.00} since they are saying that I did n't pay for my rental with American Express.

Regardless I should not spend 3 month disputing this charge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Experian stating they had verified an incorrect bankruptcy that is on my credit report and it will remain on my report. In the previous letter that I sent to them I requested for them to explain how they verify information. In the letter attached Experian states that they use a third party vendor named XXXX XXXX and also public records from the courts. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating they had deleted the bankruptcy from my report after not verified. on XX/XX/XXXX I then forward the letter and another dispute letter to Experian requesting they remove the bankruptcy and they replied back with results via email stating the exact same thing ( they verified with XXXX XXXX ). 

On XX/XX/XXXX I received a letter from a clerk from a Texas US court in XXXX XXXX, Tx ( screenshot and letter is attached ) confirming they do not share any information to credit reporting agencies. I then sent another dispute letter to Experian including the letter from XXXX showing they removed it and the letter from the US Bankruptcy courts although Experian is saying they verified through them both. 

Experian is refusing to delete this unverifiable account on my credit report and it is causing so much damage on my ability to purchase a home. 

This is unverified account need to removed!
Product: Debt collection

Received phone calls collecting on a debt. I notified Portfolio Recovery that the debt was past California Statue of Limitations and that the negative comment on my credit report with XXXX must be removed. 

Accounts : 1. ending in numbers XXXX amount {$1600.00} 2. ending in numbers XXXX amount {$1400.00}
Product: Mortgage

In XX/XX/XXXX, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for XX/XX/XXXX was not made. We did not discover this error until the next month because when Seneca called me they could not talk to me because the mortgage was in my wife 's name even though I am on the deed with my wife. By the time we received a new billing statement, we were two months behind. I received a call from a collection person and advised them that I would be making XXXX separate payments to bring the mortgage up to date. The agent did not say that this would not be acceptable. The monthly mortgage amount is {$2000.00}. All payments tendered electronically by our bank have been returned as follows : XXXX/XXXX/15 {$2000.00}, XXXX/XXXX/15 {$4000.00}, XXXX/XXXX/15 {$2000.00}, and XXXX/XXXX/15 {$6000.00}. Seneca will not except tender of our payments. I have written a certified letter to Seneca 's CEO and the CEO of my bank 's payment agent XXXX. I have contacted the Federal Reserve Board ; and, they have advised me that electronic transfers made by a bank are legal tender and must be accepted. 
I request that Seneca accept full payment for the months in arrears, correct my wife 's credit report to indicate that the late payments were caused by Seneca and waive all penalties and additional interest. Since I can not tell you my name, I do not understand what is meant by " My information ''. This concerns a mortgage loan that was from refinancing our apartment XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still showing as closed on my account. I dont know who this company is. Ive never done business with this company. I need them completely deleted from my account immediately please.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the many numerous attempts I have made to rectify and remove charge off account on my credit file. Despite my repeated efforts, this unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the charge off account remain on my credit report. 

I would like to bring to your attention the following key points : Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

This account entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 
Upon confirmation of the inaccuracies, I request the immediate removal of the account from my credit report. 
I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily withinthe exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money through XXXX for what I thought was tickets to XXXX XXXX. I was promised tickets for me & my kids. I sent the money and never received the tickets. I was scammed out of {$1000.00}. My kids were left devastated. I reached out to the scammer several times and was blocked. Attempted several times to request the funds back through XXXX & Chase. Each attempt was declined by the scammer. Chase sent me a text asking if the transaction was valid and I immediately called them and said no that it was in fact fraud. An investigation was done and they were supposed to reach out to the scammers bank and request a courtesy refund, but that never happened. Chase basically told me that they could do nothing to recover the funds.
Product: Money transfer, virtual currency, or money service

A customer at a market event sent me {$50.00} for a purchase she made on XX/XX/24 using Cash App. I attempted to access the money, and cash app asked for identification, banking info, etc .... Since then they have sent several reminders for me to access the cash. I have now provided them with the requested information, but when I click on the " Accept Payment '' button, it directs me to download the Cash App application which I have done several times. After opening the application the payment is not showing up. I had lengthy discussions with Cash App representatives, but they claim not to be able to identify the transaction despite their emails to me requesting information and advising me that I could " Accept the Cash '' until XX/XX/24, which I have been unable to do using their system. They said there was nothing more they could do and said the customer who paid me would have to call them, which Is not an appropriate response- they should be able to identify the transaction with the information provided so that I can access the payment.