23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX
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 account.

( 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: Credit card or prepaid card

A credit card account was begun based on my cell phone which I did not authorize. The company XXXX Citi XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Because I do not possess info for them to access my phone, i.e. password, etc. they say they can not help me. They also asked for my Social Security Number, which I did not give. I am XXXX years old and need help cancelling this account. ( Although the statement refers to my Citi credit card, I have not rec 'd. such card.
Product: Debt collection

ive been a victim of identity theft with a credit card from sychrony bank being collected on by XXXX XXXX XXXX i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
Product: Prepaid card

On Saturday, XX/XX/XXXX, at XXXX, I went to the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was looking to depositing money onto my XXXX prepaid card. I had used that ATM before and never had an issue with transactions prior. The ATM allowed me to go through the routine of the transaction : inserting my card, putting in my pin, selecting deposit. Before the error message popped up I was shown the screen of how much money I was planning on depositing. After pressing continue I was shown the error message Action selected is not available at this time. Please retry. The money counter opened up and before I could attempt to retry, it closed and took the money. I was then given a receipt depicting the same error message as the one I was shown on the screen. There was a red and white behind me so I moved forward and planned on seeing if I could retrieve my money after them. However I could not. So I called the PNC Banks customer service, I was told since I do not have an account there was nothing that they could do and I would need to call the bank of the prepaid card. So I called XXXX XXXX  customer service and was generally told the same thing. Since theres no record of the transaction within that account I could not do nothing in regards to a dispute and would need to speak with PNC Bank and they should be able to handle it. So on Tuesday ( XX/XX/year> ), I called PNC Bank and spoke with a woman representative. I told her about the incident and she said that XXXX resolution would be the ATM being serviced to see if there was an overdraft. I was also told that the ATM had been out of service since that Saturday, when I had tried to deposit my money. She took my name and phone number down and said shed give me a call later in the day. I did not receive XXXX. So I called today ( XX/XX/year> ) and spoke with her again. This time I was told that there was nothing that they could do and I would have to try to file a dispute XXXX XXXX. However, I was told the same by the XXXX XXXX  customer service. So at this point I am confused and my money is lost. Please help!
Product: Debt collection

I have no legal or financial relationship with tower loan but have been receiving harassing phone calls from the XXXX XXXX over someone elses debt. They have the contact information for the person they are trying to reach and have no reason to believe contacting me will provide any gainful or actionable information. I have confirmed they have spoken to the person responsible for the debt, at this time I have asked them repeatedly to stop contacting me as again I have no financial or legal interest with them. the repeated contact I feel is in violation of 15 USC 1692c Section 805
Product: Mortgage

I tried to have my mortgage re-financed through Wells Fargo. I paid {$430.00} for an appraisal of my home. They ultimately did not give me the re-finance, but told me my appraisal was good for 6 months. I went to another mortgage company and they want an appraisal as well. I told them to use the XXXX I just had done for Wells Fargo. They said it would be fine, but Wells Fargo has to transfer it into the name of XXXX XXXX. Wells Fargo is ignoring my requests and The man from XXXX XXXX 's request as well. I feel that because I paid for the appraisal it should belong to me, not Wells Fargo. I want them to transfer the name on the appraisal to XXXX XXXX so I can continue with the refinance of my mortgage. Wells Fargo is also who I have my mortgage with now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts above. 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 suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information is inaccurate. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I went to log in to my Cash App and received an error message stating that my account had been closed. I reached out to cash app and was told on several occasions that i would receive am email, i never received one at all. I then waited a month, still no email. I then contacted Cash App again and was told the same thing, but never recieved anything. I did a review on Cash App and received a prompt response to my review, but still wasn't given a reason as to why my cash app was closed. I never did anything wrong using my cash app so I am seriously confused. I need my cash app account back open especially knowing that I did absolutely nothing wrong.
Product: Mortgage

I want all Ive submitted investigated for the three Illegal acts that require estoppel and restitution granted in the sums consented to in the settlements covering the first and second violations of Mr cooper and seterus Inc proven to be Mr cooper still and the associated banks which make all contracts void illegal and not enforceable and restitution mandatory ; however none of this has happened at all. All dates are in the illegal documents provided and are all out of legal bounds and not required to be used as a weapon against anyone who has been proven innocent and owner of the property as decided and already convicted and sentenced to settlements and fines for violating the orders of law
Product: Checking or savings account

On XX/XX/2023 they charged me for three {$60.00} transactions in overdraft fees. I checked on the fees and they corrected it to {$35.00} and there were only two overdraft transactions. There was not a notification or apology. the event makes the Wells Fargo Bank untrustworthy. I collected information on how to file a complaint. The process seemed daunting but to my surprise it was not too bad.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
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 Balance : {$590.00}
Product: Mortgage

XX/XX/2022 I began the assumption process with Nationstar Mortgage LLC d/b/a Mr. Cooper to take my brother off of my mortgage. He does not live with me, nor does he make payments, he was only kind enough to help me get a house because at the time I did not have proper work history while I was finishing off XXXX XXXX XXXXXX/XX/2022 I was conditionally approved by Mr. Cooper and have been approved for all the consecutive steps. I was told this would take around 3 months, possibly 5. We are now starting month 9 in this process. 
It will often take 2-3 weeks to hear any response back from the mortgage company, with some of those responses only saying it is being worked on. My brother is trying to buy a house and needs to be off this mortgage in order to secure better rates. I have not been able to invest some of my money because I can't make large withdrawals while this process is underway. Mr. Copper has had to ask several times now for updated pay stubs, proof of insurance, and run credit checks on me multiple times because so much time is lapsing between communications and steps. I have been very clear with my contact persons that this needs to be completed and prioritized, but it is not receiving the attention it needs. This process is causing financial stress, as well as emotional and relational stress.
Product: Student loan

In XX/XX/year>, I was officially enrolled and in class at The XXXX XXXX XXXX XXXX XXXX a satellite campus of XXXX XXXX XXXX. At the time, the school was favored by myself due to the combination of a fine arts degree in animation ( which is difficult to find ), as well as the high salary and placement rates advertised by the school. I also chose this school because the XXXX XXXX XXXX assured me my XXXX XXXX XXXX  would cover most of my tuition. 

After about a year of accumulating loans and attending the school, I discovered my XXXX XXXX XXXX was not applicable at this school. As XXXX XXXX XXXX ( XXXX for short ) are private and for-profit, they are not covered. I was unaware of this and was led to believe this was not the case at my enrollment. At this point, I had already borrowed XXXX XXXX  for tuition and my credits were nearly impossible to transfer. Most of my loans were through XXXX XXXX, with some also coming from XXXX XXXX. The school dictated which financial institution I was able to use. I decided to make the best of it and continue my degree so I could at least find gainful employment for the high tuition. 

During my tenure at XXXX, I had several poor experiences that were not acceptable at a collegiate level. The most egregious was the career services team, which promised connections to local companies which would interview us as students nearing XXXX : XXXX services once lined me up with a job interview for creating XXXX XXXX. When I showed up for the interview, it was not at a XXXX XXXX XXXX business. Instead it was at a bar and grill, where the owner wanted XXXX to be created for his XXXX based in XXXX. The workplace was to be the basement of the bar and grill, alone with the owner, and the job application given to me was for the XXXX XXXX XXXX  rather than a professional XXXX XXXX. The situation, interview, and environment were so strange and uncomfortable that I reported this listing to the school. Rather than investigate, they referred other students in my class when I turned the offer down. I was only given XXXX other job recommendation after this. 

Rather than getting a low-paying job in the field with the degree that I had, I continued to work my XXXX XXXX  which paid more and did not require higher education. I took out nearly {$95000.00} in XXXX XXXX and could not secure a job in my field, rendering my degree nearly worthless. The XXXX XXXX burden has significantly affected my future job prospects as I had to take on multiple jobs at once to be able to afford the loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I 'm XXXX XXXX XXXX that reside at XXXX XXXX XXXX TX, XXXX I 'll written several letters to Experian regarding inaccurate accounts on my report and to update my profile, which removing inaccurate information on my report. Such as. addresses, Names, phone numbers and social security number. I 'll call and sent out certified letters. This company has done nothing on my behalf. Since XXXX of XXXX, XXXX XXXX, & XXXX XXXX Sincerely XXXX XXXX XXXX Birth XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX, XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 information is inaccurate.
Product: Mortgage

Iv'e been my home for 20 years I love my home I was a XXXX XXXX for 19 years I lost income in XX/XX/XXXX called wells fargo ask for a forbarce progam they told me I did not have enough income so I got a part time job got back with wells fargo said it was not enough went back and fordward to court luckly got full time job at XXXX XXXX yes I can pay on time and back now I have a shireff sale XX/XX/XXXX cause wells fargo say I make to much and I can pay the XXXX I owe in full I have bills and a son that is in XXXX  who I have to help but with the job and and my retirement and can make payments but don't have XXXX in full so can you please help me my loan number is XXXX well fargo
Product: Credit reporting or other personal consumer reports

I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX, This complaint is regarding the account settlement issues that I am having with XXXX XXXX. Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was involved in a car accident on XX/XX/XXXX where I was rear ended by a drunk driver. The car was deemed a total loss by the insurance company and a check of XXXX USD was issued to XXXX XXXX. 
Even though it has been almost 2 months since XXXX have received their payments, they have been calling me continuously to collect money and make my account current. I have explained to them several times that the payment was received by XXXX. They seem to agree that the payment is received but still keep calling me. 
As of today, I saw my credit score went down by over a XXXXXXXX XXXX This is because of incorrect information provided and furnished from XXXXXXXX XXXX 
Can you help me get this resolved please? I have explained to several representatives from XXXX of this situation and they have also told me that they will expedite and get this fixed. But this has not been taken care for a long time now.
Product: Student loan

I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. 
But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments