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

I

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as 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: Student loan

XX/XX/XXXX : My private loan account with XXXX XXXX XXXX XXXX was funded on XX/XX/XXXX for {$98000.00}. The loan is being serviced by Navient. I went to the Navient website on XX/XX/XXXX and applied for auto pay. This entitles me to a 0.25 % reduction in the interest rate on the loan. The rate reduction is an important reason that I applied for this loan. 

On XX/XX/XXXX I wrote to Navient via their website ( see copy attached ) asking when the auto pay would be activated and the amount of each auto payment that will be deducted from my bank account. On XX/XX/XXXX Navient responded to my message ( see copy attached ) saying that my loan is not currently enrolled in auto pay and directing me to their website to enroll. The process they described for enrolling was the same one I had used to enroll on XX/XX/XXXX after  which I printed the confirmation of my enrollment from their site ( see attached ). This confirmation indicates that " Confirmation of your enrollment has been emailed to XXXX '' but I did not receive such confirmation. 

On XX/XX/XXXX I wrote to Navient via their website again ( see attached ) asking them 8 questions about the account, 4 of which related to auto pay for the account. One of those questions was whether they would adjust my interest rate retroactively based on the date of my enrollment in auto pay. Navient responded on XX/XX/XXXX and among other things reiterated that the loan was not enrolled in auto pay. They also stated that my interest rate would not be retroactively reduced based on the date my loan was first enrolled in auto pay. 

On XX/XX/XXXX I wrote to Navient via certified letter through the US Postal Service ( see attached ). I asked why the account is not enrolled in auto pay given their online confirmation of enrollment on XX/XX/XXXX. I also asked when would the account be enrolled. I received a response from Navient dated XX/XX/XXXX ( see attached ) in which they stated that they " were n't able to process '' my application for auto pay because " A complete, signed Auto Pay application is required ; please complete the application and return it to us ''. This was the first intimation I had that a signed form was needed. I filled out the form, signed and faxed it to Navient earlier tonight. I wanted to use the first of the thee options they list in their letter for returning the form, namely " Online ''. However, that option does not appear to be available on their website, hence, I faxed the document. At this point I will not be surprised if they do n't receive it. 

At this point I want Navient to reduce my interest rate retroactively so that it is effective no more than 3-4 weeks after I enrolled in auto pay, i.e., effective between XX/XX/XXXX and XX/XX/XXXX. The facts are that I did enroll in auto pay using the means they provided. If a signed form was needed they should have told me before or at the time I enrolled and provided me with the form. Also, they picked the time frame within which enrollment would be activated. I did n't. 

I would appreciate CFPB 's assistance with prompting Navient to do the right thing in this case. 

Best regards,
Product: Checking or savings account

On XX/XX/2019 I found that Sun Trust illegally charged my personal advantage checking account {$20.00} fee by using description " a monthly maintenance fee for XX/XX/2019 statement ''. I truly believe that this is banking error and illegal deduction without my consent. So I contacted this bank immediately by using online secured messages twice. However I never heard anything about my complaint. On XX/XX/XXXX and XX/XX/2019 I sent three emails to both customer care and a branch representative named XXXX XXXX to ask them to reverse this illegal fee {$20.00} because this personal advantage checking account was linked with business account and overall balance was {$10000.00} according to the bank 's terms and conditions and fee schedule. However I never heard anything from both customer care and XXXX XXXX - the person who opened my account in XX/XX/2019. Then I called customer service XXXX three times especially on XX/XX/XXXX and XX/XX/2019 by speaking with XXXX, XXXX and another female supervisor. I clearly stated that I have spent at least 4-5 hours to complained this {$20.00} fee problem caused by Sun trust without any reason. I further stated that not only the bank must return my money {$20.00} but also you have to pay my time {$300.00} per hour for at least 4-5 hours due to ignorance of customer 's complaint. By giving them several times notice I have no choice but to file formal CFPB complaint about this illegal deduction without my consent which severely violated my right and terms & conditions, fee schedules etc. In the past, I also brought anther issue in front of Suntrust due to promotional bonus {$500.00} and {$750.00} for this account. The promotional offer says " a new personal checking account with direct deposit morn than {$500.00} within 60 days of account opening plus 10 debit transactions ''. However I was only paid {$250.00}. I have explained numerous times to Sun Trust that a thief in East coast stole my bank accounts plus my property was illegally taken away. So total cash loss exceed {$100000.00}. 
Therefore this bank still owe me {$500.00} based on the current market rate.
Product: Checking or savings account

I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. 

On XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving XXXX. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. 

Despite XXXX 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. 

I urge the CFPB to take appropriate action against XXXX for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 1666b 15 U.S. Code 1679c - Disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX  XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, 15 USC 168a2 to request information regarding items that is listed on my consumer credit report.I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens Mo 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists. The bureaus continues to tell me they have investigated the items and they will remain and havent sent me any proof on how the items were investigated, who was the contact person or any other information Im asking for. My inaccuracies havent been throughly investigated so therefore be deleted
Product: Credit card or prepaid card

No way to opt out of the emails. Unsubscribe takes you to their homepage with no link to opt out.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Debt collection

Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls. 

Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay? 

They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up. 

I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL. 

TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone. 

This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet. 

Disclaimer : This debt is under my maiden name, Do not let them say they can not find me.
Product: Debt collection

I blew the engine on my XXXX XXXX back in XXXX of this year. When I called XXXX for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period.

Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from XXXX for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with XXXX supervisor again. I was told by supervisor that they would look into this and give me a call back. 

Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from XXXX and am now being forced to pay heavily for their errors.
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 violates the consumer financial customer act ( CFCA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Furthermore, their dispute resolution process was u fair 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 inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that XXXX, XXXX and EXPERIAN to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Product: Credit reporting or other personal consumer reports

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

KIKOFF - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
Product: Money transfer, virtual currency, or money service

The company didnt have any number are anybody to contact about serious account problems and money issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

A cease and desist letter was mailed over to the CKS PRIME INVESTMENTS in which the recipient signed for on XX/XX/XXXX. I have yet to hear or see any changes occur on behalf of the company.
Product: Credit reporting or other personal consumer reports

In short Im currently dealing with rectifying being a XXXX XXXX XXXX XXXX and identity theft and over the years Ive made countless complaints and disputes with a company called XXXX XXXX XXXX XXXXXXXX XXXX this has been on my credit report going on 7 years and I had gotten it removed just for them to continue to re add it to my credit file which has resulted in my score going down and negatively impacted the quality of my life please help me
Product: Credit card

On XX/XX/2024 I received a Cash APP card in the mail with my name on it. I was advised this account was opened 6 days prior. I have never used Cash APP, never used the app, never opened an account with CASH APP. Upon receiving this I called the number provided by the company on the card and website. When I called they refused to close the account by phone and said they would only close the account if I clicked a link and uploaded pictures of the card. Their own fraud warnings on their website state to never provide a full account number. The link they sent was flagged as suspicious link. Another person advised that the account couldn't be closed without clicking a link in an email but they could disable the card. It took 5 different people and needing to proffer my personal email address so they could investigate. I am alarmed that I was told I had to provide a company, of whom I am not a customer, personal contact information when they refused to send me a notice by mail that the account was closed to the address they sent the card. My credit with XXXX is frozen as well as my social security number is locked. The fact that an account was still opened in my name and I was sent a card is frightening.
Product: Vehicle loan or lease

On XX/XX/2020 I received 2 phone calls from XXXX at my work number ( XXXX ) XXXX and 2 calls from ( XXXX from Automotive Credit Corp ) on my cell ( XXXX ). These all occur first thing in the morning when I am working. I returned the call around XXXX on my lunch and left a VM to let them know that they are not to call my work phone number ( XXXX ) as my boss got the message and was not happy. I was given a verbal warning. On XX/XX/2020 I again received 2 calls from XXXX ( XXXX from Automotive Credit Corp ) at my work number and also 2 calls from them on my cell. I then sent them an email which I got from their website and which I asked them again not to contact me at the work number. About an hour later a friend of mine who I listed on the loan papers as a reference received a call from XXXX ( XXXX ) who told XXXX I was behind in payment and that she needed a number to reach me at. XXXX then called me and asked that I remove her information from the file. I also requested that. Now on XX/XX/2020 I again receive 2 calls on my cell phone and one at my work number which my boss was lucky enough to get. He then gave me a final written warning and explained no more personal business calls at work. I have not included the emails sent to them or the write up as it may need to be used in court and I do not wish to provide them anything until after I speak to an Attorney.