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 the 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: Money transfer, virtual currency, or money service

regular standard information exchange of legal documents to verify legality and who authorized those illigal transactions due to been a custodian broker entity and should have not been acting against customer interest to make gains in fees and hide assets. 
cash app is doing money mule and everything else that's not with in the best interest of national security and the government agenda to create trust by setting rules in a system that is based on trading and to create new industry, jobs, ect.. 
this Cash app is more into foreign activities that are More black then grey. 100 % against our system interest. its reflected on financial statements. its clear how cash app is charging and intentionally creating losses to its customers and benefiting offshore illigal activities. Denial and that ( " cash app is not a bank is the only script and defense cash app has '' ) no other words. MEANING ITS TRUE CASH APP IS ENGAGING IN ILLIGAL ACTIVITIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint since XX/XX/2021 due to the reporting agency not doing their jobs by truly investigating inaccurate information on my credit report and they are refusing to remove the errors or provide my signature or contracts holding there of. This is violating my consumer rights and its causing me financial hardship.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a Lowe 's credit card through synchrony bank with a 0 % APR offer for 24 months for a vinyl flooring installation. I was told that I would have 0 % APR on purchases for 24 months, and that the interest rate would not then increase if I paid off the balance of {$3400.00} in 24 months which led me to accept the service contract. 

I made the arrangement to pay off the balance in full by the said 24 months by configuring an automated pay of {$150.00} starting from XX/XX/XXXX to ensure I adhere to the terms and conditions and utilize the 0 %. However, I noticed in XX/XX/XXXX that I was being charged the standard interest on that purchase instead of honoring the 0 % XXXX that I was offered. 

I immediately called customer service to inquire about this, and I was told that it was some form of error and I should have been charged the 0 % APR as per the contract. The customer agent assured me that she would make the adjustment and I should not see any additional interest charges in the future and the interest rate refund would be applied to the principal balance in 1-2 billing cycles. 

Based on the guidance I received from the customer agent, I waited for 1-2 billing cycles and followed up diligently with customer service but couldnt lead to a resolution as my principal balance was not adjusted with refund of interest charges charged from XX/XX/XXXX through XX/XX/XXXX. 

After multiple calls and spending a lot of time with customer service, in XX/XX/XXXX one of the customer service agents was able to help me and assured she was able to make adjustments on my interest rate refund request and was able to refund {$1100.00} that was charged from XX/XX/XXXX through XX/XX/XXXX. I should be seeing an amount of {$1100.00} reduced from my principal balance and should see that reflected in the next XXXX hours. The reference number given to me was # XXXX. 

To my disbelief, when I reviewed the account in 2 days, I could only see an adjustment of refund made for only 9 months ( XX/XX/XXXX through XX/XX/XXXX ) for an amount of $ XXXXinstead of the whole interest charges from XX/XX/XXXX through XX/XX/XXXX. I am still entitled for the refund of the remaining interest amount charged from XX/XX/XXXX through XX/XX/XXXX. 

I have made follow up call on XX/XX/XXXX with employee # XXXX and had requested to escalate this matter to the accounting department as I couldnt get a resolution from the customer service for the refund of the remaining interest charges and as I was told that the team couldnt go back beyond XX/XX/XXXX for refund issuance due to system limitations. 

I got a letter dated XX/XX/XXXX from the synchrony credit bureau specialist that they will not be able to remove any additional interest charges from the account.
Product: Mortgage

in XXXX I changed to Select Port Folio Servicing as my lender. Shortly thereafter, I received a call from the mortgage company stating that due to my excellent pay record I was entitled to a decreased in my mortgage by {$1200.00} if I answered a series of questions appropriately. I then did so and was told I could pay the reduced amount immediately. Several months later I received a letter from the mortgage company stating that my loan was delinquent. I then was given the amount to bring the loan current and I paid this amount. Later I was given forced place insurance because they could not verify my homeowners insurance without adjust. I attempted to modify the loan multiple times and was eventually told that the investor declined my modification. Then later I went to mediation where I was told if I paid XXXX per month the loan would be current. I made this payment for XXXX  months and told that the XXXX th month payment was 1 day late so this agreement was off. However there was not reduction in the amount that the mortgage company stated that I owe despite multiple attempts at paying increased amounts. I requested a payment history but was not sent one as of yet. Now I received a letter today on XXXX XXXX XXXX returning my last month payment and stating that if I do not pay {$150000.00} by XX/XX/XXXX then foreclosure proceedings will start. My interest rate on this loan is 6 % in this day and age where people have 1 and 2 % interest rates. Select Port Folio Servicing is a predatory lender who is trying to steal my primary residence from me. Please Help!!!!!!
Product: Debt collection

I received an electronic debt letter from Hunter Warfield located at XXXX XXXX XXXX XXXX, XXXX, FL. I am not aware of this company and have never did business with them. When looking at the letter I notice violations of : 15 USC 1692b ( 5 ) 15 USC 1692e ( 10 ) 15 USC 1692b ( 2 ) The letter was also in violation of 15 USC 1692c ( a ). 
Again, this company is completing identity theft, I have not done business with this company. Please remove off my consumer report and provide compensation for the violations.
Product: Mortgage

DEAR CFPB I WOULD LIKE TO MAKE A COMPLAINT AGAINST MY MORTGAGE LENDER OCWEN LOAN FINANCIAL. I HAVE AN ISSUE WITH THIS COMPANY BECAUSE THEY ARE STATING THAT WE ARE BEHIND ON OUR MORTGAGE PAYMENT OF {$1300.00}. I HAVE BEEN PAYING MY PAYMENTS SINCE IT WAS MODIFIED IN XXXX XXXX. WE ARE GETTING THESE PHONE CALLS FROM OCWEN STATING THAT WE HAVE TO PAY OUR XXXX XXXX PAYMENT, WE HAVE BEEN MAKING ALL PAYMENTS AND HAVE NEVER BEEN LATE. WE WERE INFORMED IN A LETTER AND BY PHONE THAT WE ARE NOT CURRENT. I HAVE DONE MY RESEARCH AND ASKED FOR MY PAYMENT HISTORY BY MAIL AND FOUND THAT A PAYMENT OF {$1200.00} ON XXXX XXXX, XXXX WAS NOT APPLIED CORRECTLY TO MY ACCOUNT. I HAVE CALLED ON XXXX XXXX, XXXX AND THEY HAVE STATED THAT MY PAYMENT HAD BEEN CHANGED AND WAS HIGHER THEN WHAT WE BEEN PAYING. WE WERE NEVER INFORMED OF THE CHANGE, NOW BY NOT BEING INFORMED OF THE CHANGE, THEY HAVE HELD MY {$1200.00} IN A SUSPENSE ACCOUNT AND STATED THAT THEY NOT ONLY HELD MY PAYMENT IN A SUSPENSE ACCOUNT, BUT THEY APPLIED PART OF MY PAYMENT TO THE LATE FEES THAT THEY ARE CLAIMING WE OWE. FROM THEN ON MY MORTGAGE IS NOW BEHIND, AND I AM DISAGREEING WITH WHAT THEY HAVE DONE. I CALLED ON XXXX XXXX, XXXX AND HAD SPOKE TO THE RESEARCH DEPARTMENT AND THEY ARE SUPPOSED TO INVESTIGATE WHERE MY PAYMENT WAS APPLIED AND WILL LET ME KNOW WHAT HAPPENED. SO I HAVE BEEN IN CONTACT WITH OCWEN AND THEY STATED THAT MY ACCOUNT IS BEING LOOKED AT AND WILL BE RESOLVED WITHIN 15 DAYS. I HAVE CALLED AGAIN ON XXXX XXXX, XXXX AND SPOKE TO THE RESEARCH DEPARTMENT AND THEY HAVE STATED THEY HAVE CORRECTED THE ISSUE, BUT MY ACCOUNT IS STILL BEHIND. I AM DISPUTING THE WAY THAT THEY HAVE TAKEN BEEN APPLYING MY PAYMENTS TO MY ACCOUNT. I NEED ANSWERS TO MY DISPUTE, BECAUSE NOW THEY ARE MAKING ME FAIL ON MAKING MY PAYMENTS ON TIME I HAVE SUBSTANTIATION TO PROVIDE BY FAX OR MAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to temporary lift a credit freeze with Equifax, so I can do a refinance on my home loan. I went online on XX/XX/XXXX and couldn't remember my password. I put in a request online to reset my password and the system doesn't recognize the last four of my social security or date of birth. I tried calling into the automated phone system to have the system unfreeze my credit report and it keeps picking up background noise and dropping the call. Finally, I was able to get through the automated system to verify my information and still the system doesn't want to unfreeze my credit after pressing the option to have it lifted. Once again, I called in on XX/XX/XXXX to unfreeze my credit and was on hold for over 2 hours still not able to get a hold of a live agent to unfreeze my credit and resolve the issue with the system not recognizing the last four digits of my social security and date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove this account ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; Inquiry ; XXXX XXXX XXXX XX/XX/2020. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Bank of America Inbox x XXXX XXXX XXXX <XXXX> XXXX XXXX ( 6 hours ago ) to consumer.mediation Hello, Told this story to a friend and they suggested I relay it to your office. 
My wife and I have been XXXX Mastercard holders since XX/XX/1986. Over that 32 year time span we rarely carried a balance for more than a month. We had been working out of state and in the process of moving back home. I received a letter from Bank of America the end of XX/XX/XXXX during the move back, asking all kinds of financial information. I thought that was odd, especially when I saw we were to send it to an Arizona address. I just threw it away figuring it was a scam. Why would a credit card company need all this from a cardholder of 32 years that always paid their bill? 
We received a {$400.00} some odd dollar bill the middle of XX/XX/XXXX. Two days later I sent them a check for the total amount. About a week later I was at XXXX XXXX. When they ran my card, they said it was denied. A bit embarrassing but I figured it was just a computer glitch. I paid with cash and was on my way. A week after that, I was ordering some horse supplies from XXXX XXXX, a company whom I have dealt with for years and has my card number on file. When she tried to run my card number it was denied again. By then I was starting to get a bit miffed. I phoned Bank of America. Finally got through to a person and asked what was going on. They said they were no longer honoring my card because I did not respond with the financial information they requested. I asked them to explain the reasoning behind that action since we had always paid our bill. My call was forwarded to a number of BOA hacks. No one could tell me why they were taking the action they took. Finally on the last transfer, the phone just went dead. 
I have not used the card since then nor have I received any correspondence from BOA. Have you received any similar complaints? Is this legal? They are a credit card company, not my mother or the government. Sincerely XXXX XXXX XXXX
Product: Money transfers

I want to complain about paypal. Paypal offers 180 days of protection to the customer, but it was denied to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.
Product: Credit reporting or other personal consumer reports

Upon pulling my credit report back in XXXX, I noticed multiple fraudulent accounts on my credit report. These accounts do not belong to me. Who are these companies? I also have never given my personal information to anyone. These accounts need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is an updated submission related to my previous complaint against TransUnion. My original complaint did not include complete information about the debt inaccurately reported by XXXX XXXX XXXX. 

The original creditor for this debt is XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), not XXXX XXXX XXXX. This account has been illegally re-aged and is listed with a false Opened Date of XX/XX/year>. The original delinquency date is over XXXX XXXX XXXX, making it time-barred under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau has failed to verify the accuracy of this information, causing a XXXX drop in my credit score and impacting my financial health. 

Previous CFPB Complaint ID : XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

I transferred my account from Merrill Lynch to another broker on XX/XX/XXXX, but not all funds got transferred. Merrill Lynch held back {$19000.00} in funds, including over {$10000.00} in cash proceeds from trades that had settled. I was locked out of access to those funds. I called on Monday, XX/XX/XXXX and was promised it would be resolved the next day. It wasn't. I called every day, spending over two hours on the phone over the course of three days. Each day I was told the money would be released the next day, but it was not. Today, XX/XX/XXXX, my account shows online as " closed '' and I have no way to access my cash balance or transfer it out.
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 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: Money transfer, virtual currency, or money service

I have had an account with crypto.com for a while now. They were recently hacked. When this happened i lost my account access. I had to recently change my email address and have contacted support multiple times and they refuse to help restore my access. Please help ive contacted them over and over for at least a month. I need to do my taxes and this is causing a financial hardship for my family and I.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Assistance from XXXX XXXX my credit reports related to a loan with XXXX XXXX XXXX, as well as the inadequate assistance I have received from them in resolving these issues. 

I found the following discrepancies across the XXXX major credit bureaus : XXXX. XXXX : The loan has been completely removed from my credit report, which accurately reflects the agreement upon final payment. 

XXXX. TransUnion : The loan is reporting " XXXX XXXX paid '' with a status of " charged off, '' with the last payment recorded as XX/XX/year>. This does not accurately depict my payment history. 

XXXX. XXXX : The loan is reporting " XXXX XXXX  paid, '' with a payment made after the charge-off recorded as XXXX XXXX  paid on XX/XX/year>. 

In my attempts to resolve these discrepancies, I have contacted XXXX XXXX multiple times, requesting a pay-for-deletion or a letter of removal to send to the credit bureaus XXXX & Transunion XXXX Unfortunately, I have encountered significant obstacles. XXXX XXXX has repeatedly bounced me back and forth between customer service and asset recovery, ultimately leading to disconnected extensions and no resolution. 

Their lack of assistance in this matter is frustrating, and it has hindered my ability to rectify the inaccuracies on my credit report. Given the recent data breaches and the importance of accurate credit reporting, I am deeply concerned about how this situation affects my creditworthiness and financial future. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit report reflects accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these discrepancies.
Product: Student loan

I requested a refund from Mohela for payments I made during XXXX. I requested this refund at the end of XX/XX/2023. I have yet to receive the refund. I have called Mohela multiple times and they can not give me any information about when I will receive the refund. The amount I was due was added back to my loan balance at the beginning of XXXX and I have been charged interested for money I have not received. I want to know when I will receive the refund I requested and why I am being charged interested on money that has not been returned to me.
Product: Credit card or prepaid card

I cancelled a credit card ending in XXXX on XX/XX/2023. The card is destroyed so i don't have the full number. 
I was charged a late fee of {$29.00} for a late bill totaling {$50.00}. 
I called and was told the balance was {$79.00}. 
I made the payment thru my bank and it was processed today. 
I got an email today I owed another {$1.00} amount for an interest payment. 
I called today to find out why I was not told of this fee yesterday. 
The woman could not tell me just that it was posted yesterday. 
Since I cancelled the card yesterday I don't hink I should have to pay this amount. 
I know its a small fee but its the principal, and I'm not confident they will not charge me for something else again. 

Thanks, XXXX XXXX
Product: Credit card

I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.
Product: Debt collection

On XX/XX/XXXX, I went into Cliff 's Check Cashing located at XXXX XXXX XXXX XXXX to cash a {$700.00} check, after waiting for over XXXX minutes I asked " was it a problem '', the young man helping me stated " were just trying to verify the check ''. I waited another XXXX minutes, and by this time I'm upset, I told the young man, if there is a problem cashing the check, give it back, I'll take it somewhere else, he's on the phone the whole time, then he opens his register and hands me $ XXXX.and some change, saying this is what's left after they took {$650.00} because I owed them a debt from XXXX, I told them I have no knowledge of this debt and demanded my money. The manager onsite did nothing to solve this matter, I even asked them to show proof that this debt is mine, which they were unable to do. I was given the number to the District loan manageXXXX XXXX, and when I called him, he all but told me " this is your debt '' I informed XXXX that my Identity had been compromised and I was unaware of this debt, even though I informed him of this he asked that I provide proof of this, I believe if they took my money on the spot, they should prove to me right then something with my signature or my picture I.D, they only provided some faded piece of paper with very little information and misspelled first name. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX/XXXX XXXX   XXXX, XXXX XXXX I was in recovery in XXXX at this time. 

The second is on XX/XX/2016 as well. By XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX