23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block XXXX IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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

i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XX/XX/XXXX and the other show XX/XX/XXXX. this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Experian, USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailingattachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directlyby you or to be authorized by you. As a precautionary measure, we have not taken any action on your allegedrequest. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item ofinformation contained in a consumer 's file at a national consumer credit reporting company is disputed by theconsumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate freeof charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX XXXX XXXX. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Product: Credit card or prepaid card

i keep making payments on my card because they are discriminating against me & won't increase my limit based upon a previous relationship I had with them. I extended my credit to them and they are violating me under color of law & they also blocked my car because they are angry that i keep making payments. How could i be punished for such a thing?
Product: Credit reporting or other personal consumer reports

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. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$210000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please check payment history, date open, last activity and Status of XXXX XXXX COMENITY BANK/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CB/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it was reporting in error.
Product: Checking or savings account

At approximately XXXX XXXX on XX/XX/XXXX my accounts personal and joint, disappeared from the online banking webpage and app. 
No messages on the messaging portal indicated what happened. 
I searched my emails multiple times for any sort of notice. Shortly I saw a notice from that evening that the account ( each of them ) were closed, After the fact. Of course I called and spend over an hour attempting to find out where my money was and why this happened. 
I was told someone they couldnt disclose signed off and that Id eventually get a check. No further details available. 

I frequently check my emails- no warning of this and now no details or explanation.

The operator frequently checks with supervisors and came back with nothing each time. I was only told I must have violated the depot agreement but no information on HOW OR WHEN.

Since we were after hours I asked for who I could reach the next day who could help me such as a bank manager. He refused that and gave me the general number. 

XX/XX/XXXX I called early to ask for a supervisor who was named XXXX. 
I was given no notice, see screenshots attached. They gave no indication of what happened. They just closed it and removed all access to my records and my Funds. Approximately {$4800.00}. I was told that a letter dated XX/XX/XXXX was sent. I searched again and now it showed up in my email on XX/XX/XXXX but not before. 
I had to ask them what my balances were. 
I have my and my wifes social security benefits which we live on, coming to an account there, I had retirement funds being deposited that day that WERE NOT reflecting in the balances I was told. I have no way of investigating this or tracking it at Ally. I had just completed setting up multiple auto payments with that bank, all of which will be returned. 
There will be financial hardships. 
I need that money now, I have to buy expensive medication and pay other bills.

I was told the check would come in 7-10 days AFTER it was sent and it had not been sent. I asked for a call from whoever could explain and they said it was under review and they would request a call to me in 1-3 business days. 
Because they have cut me off from my funds without reason or recourse, it seems illegal to me.there are three other accounts not included in documents that are under wifes sign on. We will try to upload separately.
Product: Debt collection

Ive requested XXXX times and so has my lawyer a debt validation letter and they keep sending bits and pieces of the debt validation so it is an incomplete debt validation letter so they did not provide sale of debt validation, letters, proof of purchase they were also notified by my lawyer to see to stop contacting me and Ive been contacting XXXX times within the last month and about XXXX letters sent to me
Product: Debt collection

On XX/XX/2024 I received {$99.00} cents from a transaction for collaborating while doing so he got the items he wanted. afterwards I had an incident where my phone was completely shattered which i couldnt even open or go on. after a week and a half I got my phone fixed and saw my Paypal negative. I tried to text the person who gave me the money for the collab but he blocked me on everything. Contacted Paypal showed them evidence of him blocking me and they said they will get back to me. 2 days later he begins saying disturbing and disrespectful things on social media which i did show Paypal in the evidence but they still didnt show any care in the world. He was showing me his private parts, threatening me and laughing at scamming me. This did result into me going to the hospital. I did let Paypal know and I also stated why they would believe someone who didnt put NO EVIDENCE supporting his claim and yet still to this day im negative. Im not paying this obsolete disrespectful and disgusting person.
Product: Checking or savings account

I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.
Product: Student loan

I received a XXXX XXXX XXXX XXXX discharge letter on XX/XX/year> to discharge all of my student loans. I have waited a long time for Mohela actually to discharge these loans ; however, every time I call, I am told they have nothing on file for that. I three-way called XXXX and Mohela. At that time, XXXX told the Mohela rep that they had sent a notification three separate times. I was told that they still had no notice on XX/XX/XXXX and XX/XX/XXXX. I called again on XX/XX/XXXX to follow up since I physically uploaded the letter from the Department of Education myself. At this time, they still say that they have not received notice from the Department of Education. I keep getting the run around from Mohela telling me to wait, yet my account keeps accruing interest, and payments are late due to my inability to make the payments. When I call Mohela, they repeatedly leave me on 2-3 minute holds to the point that I am holding for 20 minutes, waiting to talk to someone who knows what is happening. Most of the time, I have to request a supervisor because the agent is not able to handle the questions.
Product: Student loan

My son and I applied for a refinance loan with MEFA. There was no assistance to understand their review. We submitted all of the documents required over a period of 60DAYS! We would receive a notice to submit another document, and we would submit it twice or three times after being asked to submit the same documents. No one could explain why we kept getting asked to resubmit what we had already submitted. We called the answering clerks at MEFA ( who never have any authority ) who could only say that the documents were submitted but waiting on the " review ''. No one with management authority would come to the phone. We spent considerable time getting things to MEFA as requested and there was no supervisor to provide us any insight to why MEFA was having difficulty with the documents. 
Both my son and my credit scores are above 700 and we both make very comfortable wages. 
It is disgraceful the amount of time we spent on this 60 DAYS! and finally called to ask what was going on with the loan. Lady said it was rejected. No one even called or emailed any decision or explanation. AVOID THIS REFINANCE COMPANY OR YOU WILL WAIST CONSIDERABLE PERSONAL TIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

While none of the other bureaus are reporting this information, TransUnion is reporting inaccurate information with regard to the Tax liens, which remain in my credit report. In accordance to the National Consumer Assistance Plan, inaccurate or incorrect tax lien information should not be reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, am submitting this formal complaint to report that I have been a longstanding victim of identity theft, stemming from a violent armed robbery that occurred on XX/XX/XXXX, at approximately XXXX XXXX, near the intersection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this traumatic event, I was held at gunpoint and robbed of my purse, which contained all of my personally identifiable information, including : Social Security Card Drivers License Birth Certificate copy Bank Debit Cards Insurance Cards Cell Phone and login credentialsDespite filing a police report and taking the necessary precautions after the incident, over the years I have discovered numerous fraudulent accounts and hard inquiries appearing on my credit report from XXXX XXXX XXXX XXXXaccounts I never applied for or authorized. 

The following are just a few of the unauthorized accounts and activities still affecting my credit today : 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/XXXX Unknown to me. 
XXXX. Hard Inquiries from auto lenders, online finance companies, and department stores from XXXX to XXXX All unauthorized. 

These entries have no connection to me, and they have continued to appear across all three credit bureaus despite my repeated efforts to dispute them. As a result of this identity theft and the negligence of credit bureaus and creditors to properly verify these accounts, I have suffered : Severe drops in my credit score Denial of credit, housing, and employment opportunities Emotional distress, fear, and trauma related to the original robbery Repeated re-traumatization as I continue to explain and dispute these fraudulent entries Actions I Have Taken : Filed a Police Report with the XXXX Police Department in XXXX ( Report # : XXXX ) Submitted an Identity Theft Report to the FTC XXXX Report # : XXXX ) Requested and placed a XXXX extended fraud alert with all three credit bureaus Sent dispute letters and identity theft affidavits to XXXX XXXX XXXX XXXX XXXX Notified the companies reporting the accounts and demanded deletion under FCRA 605B Sent supporting documents including my police report, FTC report, and proof of identity theft
Product: Credit reporting or other personal consumer reports

To whom it may concern, The late payment was issued in XXXX and was expected to be removed in XXXX. However, the credit bureau and the credit card company ( Bank of America ) do not have an accurate removal date and did not furnish one after many requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state XXXX XXXX 

Kind regards,
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX XXXXata breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Vehicle loan or lease

I purchased the vehicle in XXXX XXXX XXXX i paid XXXX $ down payment my Credit was ran through 7 different companies i sent a certified letter to both parties of a letter to Rescind Contract there's been an attempt to Reposess my vehicle there are in Clear violation of the law and its statutes.
Product: Payday loan, title loan, or personal loan

This company gave me a short term loan and while paying this loan back unauthorized payment amounts have been taken from my account while my account balance remains the same and never reflects the new amount after payments were taken from my account. My bank will not stop the payment and I have repeatedly asked this company to cease and desist collections until the issue with my balance due is resolved. This company has since continued to take payments and my accounts past balance has not reflected ANY of the payments received by this company.
Product: Checking or savings account

On XXXX XXXX I created a monthly recurring bill pay for {$140.00} to pay XXXX XXXX for a new life insurance policy. I tried to accomplish this on my checking account with TIAA bank. A few days later I looked and I see that TIAA bank has sent my payment to XXXX insurance which is a completely unrelated company. They sent an electronic payment to XXXX with my XXXX policy number. I called TIAA Bank and they said they use a vendor for bill pay and would file a dispute. The bill pay person called me and we called XXXX together spending at least an hour on the phone together. They bill pay person told me to ask TIAA to credit my account for the error. I waited until Monday XX/XX/10 to call TIAA bank but when I asked them to credit my account for the error they refused XXXX the error was the vendors fault. As of now my payment is lost and my account has not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted letters to Experian for investigation of items on my credit report in which within 3 days the agency stated that all the items disputed were accurate. I asked how were items verified and received no documentation or an explanation from debt collectors or Experian. On XX/XX/XXXX, I contact Experian and disputed inaccurate items once more and today all the items came back verified except one. There are incorrect balances and duplicate accounts on my credit. When I dispute items they are reaged as well so they will stay on my credit longer. For instance XXXX XXXX has been on my credit report as closed and paid in full since XXXX why hasn't it been removed?
Product: Debt collection

On or aboutXX/XX/2019 Mandarich law group , LLP posing as attorney for XXXX , XXXX, a shell corporation previously divested of all assets in bankruptcy, did serve or cause to be served a " request and writ for garnishment ( periodic ) '' on this honorable consumer. 
The unsigned request and writ for garnishment was also filed with the XXXX district court of Michigan. 

This consumer performed a search of state records through the Michigan department of licensing and regulatory affairs, and found that neither Mandarich law group , LLP nor XXXX , XXXX are licensed as collection agencies as required by state law. This consumer has ordered verification of licensure from the Michigan department of licensing and regulatory affairs showing the unlicensed status of the above named entities. 

This consumer believes based upon knowledge thus far gained through public records that Mandarich law group , LLP and/ or XXXX , XXXX are violating federal and state consumer protection laws in an unlawful enterprise. 

Screenshots of Mandarich law group , LLP indicate that they are a debt collectors, are included as uploads. 

P.s. this consumer has previously filed a complaint with the CFPB # XXXX XXXX aimed at XXXX , XXXX , but does not expect a response as XXXX XXXX is a shell corporation .
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was told by Chase bank for three years that they would do a loan modification. They kept telling me that my paperwork was lost, lost in the shuffle due to them taking over a XXXX XXXX. Their computer systems were down during their transition and unable to reach me. 
After persistence from me, with the help from FHA, after fourth year Chase finally modified my loan. But in doing so, they wrongfully charged me {$50000.00} penalty for past due payment as a condition of modifying the lone. In doing so, my mortgage payment is much higher than it should be. 
Id like to add that I did tell Chase that I could make payment back then, but they were the one who told me to hold on to make the payment. Since the modification ( XX/XX/2014 ), I havent missed a mortgage payment. 

I feel strongly that they were in pursuit of taking my home as I am XXXX XXXX  homeowner, as I read many of stories of J.P. Morgan Chase and other mortgage companies were foreclosing on XXXX  homeowners. 
My next step is to go to news agency as well as my formal complaint with you.
Product: Credit reporting

I requested my free annual credit report from Experian. I got a message saying, " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Requestform. '' As this happened on repeated attempts over several days, I began to see a pattern. This is the third year that I have been unable to obtain my credit report on line from Experian. This has also happened to me with Equifax. The circumstances are the same. I believe the credit reporting companies are discouraging people from using the on line report service. They direct you to print a paper form and provide XXXX forms of paper Identification. Most people, I believe simply throw up their hands and give up when faced with the additional requirements. 

Please investigate this apparent abuse of the Free Credit Reporting Act.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the late payments removed.
Product: Checking or savings account

1 ) Chase Bank is arbitrarily picking and choosing selected transactions to put in dispute with merchants instead of reviewing, analyzing and working to resolve the SPECIFIC transactions that I, the Customer, has identified. What gives them the right to arbitrarily contact merchants tied to my account? 2 ) Chase sent me a rude letter stated we agreed on things that we didn't and basically their doing their own thing, case closed.