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 XXXX financial loss, and I seek appropriate redress For these violations
Product: Credit card

I applied for credit with Best Buy ( Citi Bank ) online. I was approved the same date and made a purchase on the Bestbuy.com website for approximately {$3900.00} The motivation for using their credit card was 10 % cash back offer. I received purchase confirmation from the store and the balance appeared on the credit card web login page. I paid the amount in full via electronic payment from my bank. XXXX days later I received a notice from the store stating the purchase was cancelled due to the payment being withdrawn. I contacted Bestbuy credit ( Citibank ) who advised me they had a fraud alert on the account. I provided all my personal information to them. They stated their practice is to cross reference a public record from a cell phone account to verify my identity ( something that was not done to approve the new account ). I only have a pay as you go-no contract phone so they could not confirm my identity via their normal methods. I requested the account to be closed and the {$3900.00} I paid to be refunded to the account it was paid from. They said since they could not confirm that I was who I said I was they would not process my request. Now I have no product and I do not have the {$3900.00} I paid to them and they refuse to refund my account.
Product: Credit card or prepaid card

I have a Bank of America Visa Credit card. Below listed cash transactions were done For the the year 2020 total amount {$270.00}. These transactions were provided by Bank customer services Supervisor XXXX. 
Total fees charged {$270.00} and Interest charged {$11.00} I called the Bank and explained as an example for {$1.00} cash transaction you are charging {$10.00} fee plus interest this translates into 1000 % interest which you may call it as a fee.

I requested to waive off the fee of {$270.00}. Bank representative said charged as per the agreement. I said you have agreement-agree. But from fairness and reasonableness standpoint how can you charge 1000 % for {$1.00}. XXXX Supervisor created a ticket XXXX. I asked within the company is there any department i can bring this to the leadership attention. He said NO. There is no email or physical address provided for reporting. I requested to send an email of the charges and conversation and decision. Bank said NO, we don't send emails or send letters on this issue. I called another time but still the same answer NO. 

I think these charges are unfair, and unreasonable, can CFPB intervene and help on this issue. 
Attached document.
Product: Payday loan, title loan, or personal loan

I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX  credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX  XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to a TRUIST bank located in XXXX XXXX to open a XXXX XXXX  Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that TRUIST denied my request to open the XXXX XXXX Account based on personal information on my XXXX consumer report. That did not make any sense to me.

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by TRUIST. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person one who had a fake picture on they're account couldn't get a refund there was no one to contact. Someone sent me money and sent me the screen shot that it was sent but never received it and I had no one to call.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I made a transfer of XXXX with an identifier. What happened was that when I tried to make a payment using my mobile card, I was asked for a billing address in the United States. I changed it, but it didnt work, so I put my address in XXXX back. After doing all of this, an automatic security protocol was triggered, and they asked for proof of my residency in XXXX. After providing the required documents and them confirming that everything was in order, the issue has not been resolved, and the following amounts are still blocked : A transfer of XXXX {$560.00} XXXX I have been calling and writing them since XX/XX/XXXX, and their response has been that the case has been forwarded to the relevant team... 

The application/bank I used is called " Wise ''. I am in a critical situation because I am currently a student at XXXX XXXX XXXX University, and I need this money to pay for my apartment, food, transportation, etc.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain late payment account that is appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with this account : XXXXXXXX XXXX XXXX. 
According to my records, this account has been consistently paid on time, and there should be no history of late payments associated with it. I believe there has been an error in reporting, and I request that you investigate and rectify this inaccuracies promptly. Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly. 
I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.
Product: Vehicle loan or lease

On XX/XX/2024, I entered into a consumer credit transaction with Wells Fargo Auto, submitting a credit application with my social security number and autograph, creating value and a security interest as collateral security for them to borrow on my behalf, for a vehicle. They accepted my security interest, but then discriminatorily denied me access to the account. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system that I have no business with. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and XXXX XXXX XXXX  . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any XXXX XXXX XXXX  may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any XXXX XXXX XXXX  National or Member Bank.

Wells Fargo is actively committing security fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress.
Product: Money transfer, virtual currency, or money service

Im filing a complaint with CFPB because these companies calls daily requesting money and your personal information. even after you have requested to be removed off their calling list or from they call sheet list.
Product: Mortgage

A transfer of my mortgage occurred in XX/XX/2019, payments made to the account should have been posted to just what was included in a previous estimated escrow account just including ins. Not taxes. Something is truly wrong. Projections for another year is not right. No modification occurred. I have not agreed to pay anything they have not billed. Their bill to me shows a different activity on their system of the projections I have attached. Please verify. These activities are done after I had mailed a required payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCHCHTER PORTNOY LLC took me to civil court for an account purchased by XXXX XXXX. The case was proven that the amount was caused by fraudulent charges with account documents and I was the one who was owed monies on this account. I agreed to close the case after counter suing for the monies owed to me on this account and was informed that this record would be removed from any credit reports. I agreed, because the case was dragging on after they continually did continuances ( hoping for a default judgement is my guess ), and signed a form saying I couldn't take legal action against them for this debt. This was all on the belief that this would be removed from my credit reports. SCHCHTER PORTNOY LLC have shown immoral acts during this time - when the summons was handed to me I was advised to ignore it and I can 'just throw it away ' by the man who handed this to me. I was recently failed an apartment application after they ran my credit report. I see this negative record still appears and believe it to be the main reason I was denied the apartment as well as paying high APR fees on the credit cards i recently obtained. 

Court : XXXX  XXXX County Civil Court Index Number : XXXX Case Name : XXXX XXXX XXXX XXXX, AS ASSIGNEE OF XXXX XXXX, FORMERLY KNOWN AS XXXX XXXX XXXX XXXX  vs. XXXX, XXXX Case Type : Civil Classification : Consumer Credit Filing Date : XX/XX/XXXX Disposition Date : XX/XX/XXXX Attorney/Firm ( s ) For Plaintiff - XXXX XXXX XXXX XXXX : SCHCHTER PORTNOY LLC Attorney Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX- ( XXXX ) XXXX ext :
Product: Debt collection

Midland Credit Mgt. MCM. Repeatedly instructed them to cease and desist. I am not the party they are seeking. I remind them of " do not call " status. they resume a week later multiple times day.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXXXXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit reporting

Bought a car in XXXX, totaled it XXXX ... On XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... XXXX times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Product: Checking or savings account

I had 3 disputes on my account over the last six months. I been going though hard times with my cards being lost and i was also XXXXXXXX XXXX XXXXXXXX XXXX and my things where stolen. So i cant help people used my cards n phone n stole my money. Chase wouldnt even give me a reason for why my account was closed. Which i find outrageous because i gave them my social and all my personal information I think i should know why my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On sunday, XX/XX/XXXX I applied for a home equity line of credit on my current bank 's website only. They pulled my credit which I expected them to. For the next week and a half I received a flurry of additional phone calls and text messages from other mortgage brokers wanting me to apply with them instead. All of this is standard I realize. The part that I take exception to is that the credit bureau sent my name, date of birth, *and* social security number to other mortgage brokers. This seems to be very risky given today 's identity theft environment. I would not think they would be able to farm out all my information to whoever pays for that list.
Product: Credit reporting or other personal consumer reports

I was going over my credit report and seen some unauthorized hard inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked TransUnions website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX The information from TransUnion says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX. I disputed with TransUnion but they denied my claim.
Product: Debt collection

Equifax Information Services, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Mortgage

My husband and I were laid off the same day from our industry ( mortgage ) on XX/XX/XXXX. We contacted Carrington Mortgage Services and requested a forbearance and or modification. We were told we had to be late at least 90 days before anything could be done. We were current at the time. We called again at ninety days late and requested a forbearance. We received a forbearance ; however, four of the forbearance payments were required to be put on the back of the loan, as indicated by XXXX XXXX in the State of Oregon thus , by the time our forbearance ended, we owed over $ XXXX in late and back payments and fees. This made it impossible for us to become current as we were still unemployed. When we became employed again we made less than half of our previous income. We reached out to Carrington Mortgage and the Oregon Housing Authority in hopes of keeping our home. We were told that due to our income being so much less and our inability to pay the back fees/payments, our only option was to sell or be foreclosed upon. We contacted XXXX XXXX XXXX XXXX, and they indicated that Oregon has a program in which they will grant up to $ XXXX for back dues/payments, etc, to bring the mortgage current and keep the consumer in the home. This plan didn't work for us because when we received a mortgage, our loan amount was over the conventional loan amount. While our home mortgage is currently within conventional loan limits, we don't qualify based on our original loan amount. We feel that this violates the Oregon Unfair Trade Practices Act " advertising real estate, goods, or services with the intent to not provide the items advertised ''. 
We feel Carrington violated Oregons foreclosure moratorium by requiring the XX/XX/XXXX thru XX/XX/XXXX payments to be paid in full rather than being added to the end of the loan. We feel Carrington violated Oregons Unfair Trade Practices Act at XXXX XXXX and XXXX  XXXX by failing to deal with us in good faith and in violating Oregons foreclosure moratorium. Had Carrington put those calendar year XXXX payments on the back of the loan, we believe we could have gotten current and saved our home. However, we were never given that opportunity and once we were unable to bring the loan current, Carrington exacerbated the problem by refusing to accept any payments.
Product: Mortgage

They did n't pay my insurance out of escrow and my insurance was canceled. They then said they would take care of it and it would not cost me more than what the other policy was. They then, without my knowledge purchased and payed for out of my account, a new policy XXXX times the cost of the original.
Product: Credit reporting or other personal consumer reports

RESEND

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.