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

I am writing to file a formal complaint against Cash App for their failure to apply a promised 5 % discount on XXXX separate transactions made at XXXX, despite following all the necessary steps to qualify for their boost offer.

Details of the Incident : First transaction amount : {$860.00}, completed with the expectation of a 5 % discount, canceled by me to reorder for a lower price on XXXX. 
Second transaction amount : {$820.00}, completed with the expectation of a 5 % discount.

On both occasions, I initiated and concluded the transactions through the Cash App boost feature for XXXX, which explicitly advertised a 5 % discount. However, this discount was not applied to either transaction. Despite reaching out to Cash App support more than XXXX times, they have inaccurately stated that I deactivated the boost, which is not possible given that the XXXX site is only accessible through the boost feature within the app.

Attempts at Resolution : I have provided Cash App with screen-recorded evidence of the entire transaction process, clearly showing that the transactions began and ended within the Cash Apps XXXX XXXX feature. 
Cash App has not only refused to evaluate the transactions but has also removed my missing boost option for resolving such issues within their application.

Impact of the Issue : Financial loss of the promised discount amounting to approximately [ {$41.00} ] on the second transaction.

Significant time spent attempting to resolve the issue without success.

The loss of trust in Cash Apps advertised offers and customer service. 

Resolution Sought : I am seeking a full evaluation of the transactions against the advertised boost offer.

I request the owed 5 % discount to be credited to me accordingly.

I would also like Cash App to review and improve their customer support processes to prevent such issues from occurring in the future.

Enclosed are the screen recordings of the second transaction, a screen recording of the conversation from both the first and second transaction, and any other relevant documentation. I trust that the CFPB will assist in resolving this matter fairly. Cash app should not be allowed to collect my data by having me place an order through their app without fulfilling their end of the bargain. I would not have placed the order through cash app if I was not getting 5 % discount that was and is clearly advertised.
Product: Mortgage

Wells Fargos numbers between interest, principal, and balance are not correct during the term of loan and are proceeding with foreclosure. This urgently needs addressed
Product: Credit reporting or other personal consumer reports

I recently checked my TransUnion credit report and seen 3 inquiries that I dont recognize. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX XXXX. XX/XX/year>. 

I would like TransUnion to investigate these 3 items. 
I havent applied for these companies inquiry for it to be inquires on my report.
Product: Bank account or service

I am currently a customer with Wells Fargo, and have been with the bank for about 11 years. I previously had both an " Advangtage Checking Account '' and a " Money-Market Savings Account '' with the bank. I am also enrolled in their electronic statements system. On XXXX XXXX, 2015 I received a message via email notifying me of the following : " There are important changes coming to your Complete Advantage ( R ) Checking account that will take effect XXXX XXXX, 2015. Please sign on to view a secure message about these changes. '' I logged on only to find no relevant messages about my checking account or changes. 

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.
Product: Credit reporting

I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\These accounts are showing XXXX days late
Product: Debt collection

In XX/XX/XXXX, I received notice I was being sued by XXXX XXXX XXXX XXXX ( " XXXX '' ). Prior to being served, I was not contacted by the law firm handling the debt, Zwicker & Associates, or XXXX regarding the debt owed. When I told XXXX I had not been notified of the debt, they produced an unsigned letter dated XX/XX/XXXX addressed to an address I had not lived at for several years purporting to provide me notice. The letter provided contained an amount different from the amount represented in the law suit. From XX/XX/XXXX through XX/XX/XXXX, I maintained the same address which was not the address the letter was mailed. 

Once I raised the issue of notice, employees of the law firm representing XXXX began calling me and making false statements over the phone. They tried to induce me to make a payment claiming it would " help my lawsuit '' and " make things better for me legally ''. This is untrue. Not only would it restart a statute of limitations, but payments made outside of a legal agreement for a case actively in court may not be recognized by the court or could be misapplied by the company. When I explained to the callers that I would not make any payments outside of an agreement and that they were providing me with incorrect information, they again tried to push me into making payments by falsely claiming they were trying to help. 

I repeatedly asked Zwicker to provide a detailed accounting of the amount owed as the loan was serviced by XXXX, a company notorious for misapplying payments, incorrectly calculating amounts owed and payment amounts and collecting money for loans they no longer service. Zwicker failed to respond to my requests. 

I attempted to go to the local regulatory authority in Connecticut to help me obtain records, but found out that because they have attorneys on staff, the CT Department of Banking does not regulate them as a debt collector. Basically, they are able to circumvent the law and continue their forceful, violative practices that are in direct contravention of the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( aka XXXX XXXX ) pulled my credit report 5 times. I talked them about the credit reports and the representative XXXX XXXX advised that they would send a letter to the credit bureau and have them removed, They sent me a letter to sign acknowledging they would take it off all three credit bureaus, XXXX, Transunion and XXXX. its been three months now and the inquires aren't removed. 

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 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. 

I told Transunion, and XXXX to reinvestigate these inquiries : XXXX XXXX, inquiry date XX/XX/year> and XXXX XXXX, inquiry date XX/XX/year>. However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my XXXX or experian score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the military XXXX and XXXX said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, in response to an ad for an Obama Administration program, I paid {$390.00} to private co. to refinance my student loans under public service loan forgiveness program, Income driven payments, to be recertified annually, paid in ten years. It was serviced by FEDLOAN Servicing. First year I paid {$29.00} mo. In XXXX I was to recertify. That recertification was a nightmare that was not completed until XX/XX/XXXX. I was somewhat late in XXXX due to emergency XXXX XXXX, but called to notify FedLoan and told okay, noted they would send docs and forebearance issued. I sent documentation over and over, it was refused, stalled until information became stale and refused again. I made repeated phone calls and emails to my Servicer. My employer called XXXX to verify accurate information already submitted and re-submitted. No two agents gave same information and my interest grew! In the interim, my credit was being destroyed. I contacted a DOE ombudsman and was advised to file a complaint with the FTC, which I did, but never heard more ; but did get IDR payment worked out and recertified in XX/XX/XXXX. I applied for a home loan in XX/XX/XXXX, only to learn that FEDLOAN Servicing had erroneously reported late payments for years for loans that were clearly in deferment or forebearance, and my original loan has now grown to more than {$140.00}. I produced letters to the lender showing forbearance, thus payments could not have been late, but until the information is removed from the Credit Bureaus, my home loan is denied with USDA. FEDLOAN SERVICING refused to remove it. Credit Bureaus refuse to remove it. I have disputed it with Bureaus to no avail. I have records and notes of this four-year recertification battle should you need anything further. TIME IS OF THE ESSENCE
Product: Credit card

I have a Citi XXXX XXXX XXXX Credit Card. I recently upgraded to a new XXXX and tried adding the Card to my Mobile Wallet, but got an error that said " Card Not Added, Contact your card issuer ''. On Monday XXXX XXXX I called, got transferred 5 times and they told me there was an error in the system and I should call back in 4 hours. I called back and after being transferred 5 times again, verified my info 5 times, they told me that my account was flagged for fraud and they cleared it on the phone and told me to wait XXXX minutes and add the card to XXXX XXXX. I waited, tried but same issue. I called on Tuesday, got transferred 6 times, verified identity each time and the rep told me that my account was again flagged for Fraud and they cleared it and to red again. I tried again, still same error. Now Im getting furious because tis should take me 30 seconds to add my card but all im having is issues and frustrating conversations with Citibank reps. All my other cards, XXXX, XXXX, have been added no problem. I called back on Wednesday, transferred for 10 minutes, verified my info each time, and then the rep " XXXX '' puts me on hold for 15 minutes and tell me that my account is flagged for fraud and they can not clear it over the phone, They have to send me a letter in the mail that I will fill out and until I send it my account is locked. XXXX!!!!!!!!!!!!! Are you guys serious? I asked why does my account keep getting flagged and he said because I keep trying to add my card to my mobile wallet. THAT MAKES NO SENSE! The Citibank reps keep telling me to try again and it keeps thinking it's Fraud. If someone from the corporate office doesn't call me and fix this before I get this letter, then I WILL CLOSE MY ACCOUNT WITH CITI, AND MAKE SURE MY FRIENDS AND FAMILY DO THE SAME. THIS IS RIDICULOUS AND UTTERLY DISGUSTING SERVICE. There's a reason I have 5 XXXXXXXX XXXX and XXXX XXXXiti card. So frustrating for no reason. FIX THIS ISSUE!
Product: Consumer Loan

I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to Experian and XXXX to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA 605B all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. Experian blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa violation item no knowledge id theft victim sent po report sent cra
Product: Debt collection

FAIR COLLECTIONS & OUT Original creditor : XXXXXX/XX/XXXX {$5000.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of account or service rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests for Experian and XXXX to delete the inaccurate information in my credit file regarding XXXX XXXX XXXX account number XXXX. The Court approved a settlement on XX/XX/XXXX, which I am bound by the final judgment and the release of claims in the agreement : 1 ) Cease all efforts to collect deficiency balances from the class members 2 ) Update account records to reflect a XXXX balance on all accounts on which assessed a deficiency balance 3 )  Instruct credit rating agencies to delete trade lines with respect to their accounts. Experian deleted this information in XX/XX/XXXX but then allowed XXXX to furnish the erroneous information in my credit file again without notifying me. Under FCRA it states that if the item is reinserted then the credit bureaus have to provide you with a written notice within 5 business days. The credit bureau must investigate any information you feel is incorrect. If the information proves incorrect, the agency must remove it from its files and, on your request, inform those who have received the information that it has been removed.The alleged audit or review did not verify the accuracy of the balances claimed were owed because XXXX did not evaluate whether fees were correctly assessed and did not perform a complete audit or review of the account for error. DISPUTE 1 ) XXXX modified terms of the contract without written notice : In XX/XX/XXXX an extension contract was established and was written to terminate on XX/XX/XXXX. Unbeknownst to me, XXXX altered the maturity date again to terminate XX/XX/XXXX. At the time of this agreement, the loan had 54 months remaining. XXXX added an additional 6 months to inflate the principal balance. DISPUTE 2 ) The account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when the account first became delinquent. The correct delinquency date is XX/XX/XXXX. DISPUTE 3 ) The Court ordered XXXX to refund back all the interest already paid that was above the amount a car-loan lender in Ohio can legally charge you or forebear all collection efforts. XXXX has not adjusted the balance and Experian refuses to comply with the judgment order to delete this information from my consumer file. The monthly payments were {$450.00} and 25 % ( {$220.00} ) was applied towards finance fees. The reporting account balance and its entirety is inaccurate and as ordered should be deleted from my credit file. I also called them and they refuse to investigate it again.
Product: Debt collection

This month, Agency Credit Control fraudulently placed a $ XXXX collection claim on my credit report on behalf of XXXX XXXX XXXX XXXX - XXXX XXXX-Attorney. Mr. XXXX failed to provide contracted services in XX/XX/XXXX which resulted in actions taken by the Colorado XXXX Court XXXX XXXX XXXX. Since that time, I have not heard or received anything from XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, or Agency Credit Control. I only became aware of the collection actions when I noticed a significant decrease in my credit score. 

It appears Agency Credit Controls is not a licensed debt collection agency in the State of Colorado. The name of this collection agency is Agency of Credit Con on my XXXX report and Agency Credit Control on my XXXX report.
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my XXXX credit report on XX/XX/2023. I noticed the inquiry on my credit report on XX/XX/2023 and called the company immediately. I spoke with the manager and she said that she would get it removed. I followed up a few times after this and got the same response. This still has not happened up to this date. I spoke with the national branch a couple of times since as well including today ( XX/XX/2023 ). Today the branch manager is saying that I requested additional funds and approved the hard inquiry. These statements are totally false, and they have no proof of this. They will not remove the unauthorize inquiry, admit that they did not have my permission to run my credit, or provide proof that I requested a hard inquiry.
Product: Debt collection

" XXXX XXXX '' fake name from Genesis in XXXX NY calling me 3 times within 10 minutes from different numbers and calling very estranged family members who I haven't spoken to in years harassing them after already sending a cease and desist letter. Don't know who he is but very threatening and acting aggressive. Have already contacted attorney who has dealt with this company before.
Product: Credit card

I discovered an account was opened with my personal information without my authorization. Im a victim of identity fraud and have been trying to resolve this matter for years. My FTC Report number is XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being XXXX and Equifax and XXXX and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature
Product: Credit reporting or other personal consumer reports

I went to XXXX  XXXX XXXX to make my payment last month XX/XX/year> and the person who helped me told me that the system was down and that the payment would be reflected in 1 day, however my payment was reported XXXX  days later and because of this error of the system or of the person who helped me at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is reporting my account 30 days late specifically in ( Transunion ) I need this report to be removed, my credit is being affected. I made my payment on time and the branch was the one that made the mistake, I have my payment receipt. I need the XXXX late payment removed as soon as possible, it was a mistake by the bank! This is not fair.
Product: Checking or savings account

Wells fargo wrongfully closed my checking account. It was just after I opened it around XX/XX/2015. Wells fargo admitted in writing that it was due that I harassed XXXX XXXX constantly. XXXX XXXX is the one who harassed me and slandered me at wells fargo. But because she worked at a bank she could harass me. I never harassed XXXX XXXX. There was nothing with my first checking account either. But I was being set up by XXXX XXXX and the bank when my online account was disabled on XX/XX/2015. It took a week to open my new account. I never saw XXXX XXXX in the bank the entire week I went in the bank all up until the last day I had my checking account finishing opening. She purposely put herself at the bank. At the time I didn't know this was a setup. This was a crime committed against me. After I sat down with my banker out of the blue the XXXX XXXX police showed up out of the blue. XXXX XXXX was nowhere to be seen after I had sat down. The police saw i wasn't harassing her because she was nowhere to be seen. I don't care about wells fargo having the right to close your account. They weren't exercising their right to close it which they keep ignoring until XXXX XXXX falsely accused me to them I was harassing her. If I harassed her so much why was she at the bank to set me up. It was all a set up for her to be there with the other wells fargo employees that was working at the bank to get rid of me as a customer. She was my neighbor who harassed me and falsely accusing me of harasing her then she brought the problem into the bank. I have every right to be angry about the way I was treated, because I know I didn't harass her. The people who are replying to me are the bad employees like XXXX XXXX and they need to go. They are friends with her to be against me and this isn't right to treat a customer. That is why they keep denying me compensation. But I see the wells fargo in XXXX XXXX that XXXX XXXX demanded that I stay away from its closed. So that is karma for the employees who did this evil thing along with XXXX XXXX. So this was some form of justice without me receiving compensation for the pain and suffering.