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

I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to prevent fraud, and non-compliance with federal consumer protection laws, specifically the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Nature of the Complaint 1. Failure to Prevent and Address Fraud : Cash App did not take timely or effective measures to prevent fraudulent transactions on my account, leaving my funds vulnerable. 
Despite notifying Cash App of unauthorized transactions, they failed to adequately investigate or resolve the issue, leading to financial losses. 
2. Unfair and Deceptive Dispute Resolution Process : Cash App did not comply with the error resolution requirements under the EFTA and Regulation E.

The dispute process was misleading, non-transparent, and did not allow for a fair review of fraudulent transactions.

My attempts to escalate the matter were met with inadequate responses and lack of proper resolution, further compounding my losses and frustration. 

Impact and Damages Due to Cash Apps inadequate handling of fraud prevention and dispute resolution, I have suffered significant financial losses, stress, and inconvenience. The companys failure to comply with federal regulations has resulted in an unfair burden on me as a consumer. 

Relief Sought I respectfully request that the Consumer Financial Protection Bureau ( or FTC ) investigate Cash Apps practices and require the company to : Issue a full refund for the disputed transactions. 
Improve its fraud prevention and resolution process to ensure compliance with federal regulations. 
Enhance transparency and customer support to better assist consumers affected by fraud. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if you require any additional information..
Product: Credit card or prepaid card

I have a first progress card and just paid a payment of XXXX. My credit limit was only XXXX now its XXXX. Once paying the credit card my balance only went down XXXX dollars
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. 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 XXXXXXXX, 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 my instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 accurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

On XX/XX/XXXX, I filed a complaint towards citibank for the credit inquiry made by citibank on my XXXX credit report. The inquiry was shown on my credit report as " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' On XX/XX/XXXX, Citibank gave me a response through CFPB. The content of the response is attached below. 

" We reviewed the client 's request to have the credit inquiry removed that is listed under " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' Due to the incorrect product type reported, we submitted a request on XX/XX/XXXX to have that inquiry removed. Please allow 30 business days for this information to be updated on the credit report. We sincerely regret any miscommunication that occurred regarding this matter and the frustration this caused. " However, as of XX/XX/XXXX, the credit inquiry mentioned above is still listed on my XXXX credit report. Enclosed please find a copy of my XX/XX/XXXX XXXX bureau credit report. 

Citibank did not take action as they promised, nor did they give me any explanation or notice in regards of why they did not remove the inquiry from my credit report.
Product: Credit card

I did not authorize these credit card companies to run my credit for a new line of credit. These inquires were not made by myself. Im a victim of information breaching leak for the following : XXXX XXXX XXXX XXXX XXXX on XX/XX/year> And CITI XXXX Card on XX/XX/year> Can you remove these hard inquiries off my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to below LAW States 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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXXXXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with XXXX different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX  XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
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. 

Account Name : XXXX Account XXXX and list of Inquiries.

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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

ORIGINAL COMPLAINT CASE NUMBER ; XXXX Yesterday, I got an email from CFPB informing of the closure of my case, simply because WELLS FARGO could not find my mortgage number. They could not locate my mortgage by borrowers ' names. I was shocked. This is unacceptable. XXXX XXXX XXXX from WELLS FARGO called me that unless I give her my mortgage number, she could not do anything further. All other mortgage companies use the borrower 's name and social security number. Why can't WELLS FARGO? 
I found a credit report issued in XXXX with XXXX digit mortgage number, XXXX. 
The date opened was XXXX with another bank. Our mortgage was sold several times since then. 
My ex-husband was struggling to pay the mortgage in a timely manner since XXXX. Several foreclosure notices were issued. On XX/XX/XXXX, I had to pay {$30000.00} of late payments to get back to my regular schedule. Both my ex and I requested loan modification, but WELLS FARGO refused. Since my credit has been severely damaged by this, I sold the property via fire sale and paid off WELLS FARGO {$74000.00}. The actual mortgage we owe was only {$66000.00}. However, with exorbitant fees of late penalties, I was forced to pay almost {$8000.00} extra to get out of the contract. 
Hopefully, with XXXX digits of the mortgage number, WELLS FARGO can locate my history of mortgage and tell me why our request for a loan modification was flatly denied. It adversely affected both my ex and my financial situation afterward. 
It took several years for me to build my credit back up. 
Thanks for helping a XXXX lady.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal multiple times requesting information regarding a fraudulent PayPal account opened using Identity Theft. They told me they have no records of the account and there is nothing they can do. The fraudsters have siphoned off approximately {$7800.00} since 2017 from my checking, saving, debit, and credit cards. Paypal denies all of this.
Product: Student loan

Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.
Product: Debt collection

This company agreed to remove their negative reporting from all 3 credit bureaus. It is still being reported to XXXX They have failed to provide me with a debt validation letter. They can not prove this debt belongs to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account :XX/XX/XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

HI MY NAME IS XXXX XXXX MY DEBIT CARD WAS STOLEN AND USED TO MAKE FRAUDULENT PURCHASES, I DID NOT AUTHORIZE THE CHARGES AFTER MY DEBIT CARD WAS STOLEN, THOSE TRANSACTIONS WERE DONE FRAUDULENTLY
Product: Credit reporting or other personal consumer reports

Hello You are in Direct Violation of the Fair Credit Reporting Act ( Nelnet Department of Education ) has violated several of my rights.

15.U.S.C 1681 section 602 A. Cleary states that I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on credit card account under open-end consumer credit plan as last for any reason or purpose. 

I am requesting these late payment from Nelnet Department of education be remove and update this account immediately as you are in direct violation of several laws under The Fair Credit Report Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both XXXX  AND this credit bureau with regard to following the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX Original Creditor : XX/XX/XXXXXX/XX/XXXX) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX ( original creditor : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX partake in a consumer credit transaction on XX/XX/22 and XXXX/XXXX/202. The first response was that the information was verified, but no method of verification was provided. So I made a second attempt and got no response at all which are violations of my consumer rights. Violations are but not limited, 15 u.s.c 1692 ( g ) validation of debt, 15 u.s.c 1692 ( a ), 15 u.s.c 1692 ( e ). Letters were sent out to XXXX, XXXX, XXXX,
Product: Checking or savings account

I need help it's been 2 years now and Venmo has held my balance of {$750.00} from me will not release it will not let me transfer it nothing. 
There terms of service state after 180 days they will send a check in the mail of the funds in the account. Well now it's been so long I have no longer live at the address on the account and I just want the account to be closed and my funds sent to an updated address please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX  reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX  they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report Number XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX Debt complaint XXXX XXXX no one responded I will attached all of the documentation to here so that all can be seen.
Product: Payday loan, title loan, personal loan, or advance loan

I have tried to pay off my loan 3 times now over the past 2 weeks and every time they reverse my payments from my bank. I have sufficient funds in my banking account and I have contacted my bank to see if its being held up in their end and they have said there are no holds or issues. I do not understand what the hold up is, and my interest keeps accruing on my loan which is not fair if this is a problem on SSTs end. I have contacted SST ( Systems and Services technology ) several times and it is still being reversed back. 

I tried to pay {$11000.00} on XXXX and it was reversed on XX/XX/XXXX. Again on XX/XX/XXXX at {$11000.00} reversed on XX/XX/XXXX and then spoke to a rep on XX/XX/XXXX to pay {$11.00}, XXXX which reversed again on XX/XX/XXXX. Called them again on XX/XX/XXXX spoke to another rep who tried it again and this time received an email dated for XX/XX/XXXX that it reversed again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account still showing open and delinquent when its paid in full. Company stated it will be removed on the XX/XX/2020.
Product: Debt collection

On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone. 
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically? 
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.
Product: Debt collection

THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, IM ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT.