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

CashApp imposed a 3 % fee for a money transfer. Unbeknownst to me, XXXX treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to CashApp 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither CashApp nor XXXX provided clear information about these charges. 

I argue this is deceptive for the following reasons : 1. Non-Disclosure by CashApp : CashApp markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that CashApp incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. 

2. Misclassification by XXXX : When a user employs a credit card on the CashApp platform, CashApp essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, XXXX 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. 

3. Junk Fees and Double Charging : If the 3 % fee charged by CashApp is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if XXXX applies a cash advance fee and then also charges CashApp for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. 

In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees
Product: Debt collection

XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days late inXX/XX/XXXX 60 days onXX/XX/XXXX 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

Was given a promotion to spend {$500.00} and would receive {$100.00} statement credit back. Still have not received it and called customer service, they stated working on it.
Product: Debt collection

I've made numerous phone calls to internal collection department of XXXX XXXX XXXX XXXX to confirm no debt with them and to complain about their third party collection robot-calls. Somehow my debt, even though already paid off, was passed over to their external debt collector ( Continental Credit Control ). At each of my complaining calls to XXXX XXXX collection department, I was assured that there is no outstanding balances for me to pay, therefore they'd contact Continental to stop them from calling me once and for all. Yet, as of XX/XX/XXXX I've been getting Continental 's robot-calls for 5 months or so. 
Also, I attempted to get connected directly with Continental 's representative who's supposed to be in charge of my account many times but failed. And, at another time I was told by a different Continental representative that she'd let the one in charge know about my account status. I'm really frustrated being  tossed around between these two business practices and can't wait to get my peace of mind back from their pesky robot-calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Debt collection

To clarify, the prompts I received prior to this point did not really encompass my issue, so I will do that now. My car loan with Exeter Finance was originated in XX/XX/XXXX, the last car payment remitted was in XX/XX/XXXX, as the car was totaled in an accident. I contacted Exeter and told them where to pick up the car and I don't know what happened. The loan was subsequently charged off in XX/XX/XXXX. ABSOLUTELY NO PAYMENTS WERE REMITTED BY ME AFTER XX/XX/XXXX!!!! If I am understanding correctly, charged-off accounts are removed from your credit report seven years after the date of the last payment. Therefore, Exeter was scheduled to remove this account from my credit report this year, XX/XX/XXXX. However, upon reviewing my credit report in XXXX, I was amazed to see that in XXXX, XXXX, and XX/XX/XXXX, the balance owed increased. Then in XX/XX/XXXX... an insurance refund in the amount of {$580.00} was MIRACULOAUSLY applied to the account, which Exeter considers to be a payment. I was not given any statement or documentation regarding this " refund '' or any information on why my charged off balance increased TWO MONTHS before this " refund '' was applied. Ironically, NO OTHER PAYMENTS HAVE BEEN APPLIED TO THE ACCOUNT SINCE THEM. Exeter finance purposely applied a FRADULENT PAYMENT to a CHARGED-OFF LOAN, to reset the clock. Now my credit report shows that the last payments was received in XX/XX/XXXX, which means this won't be taken off until XX/XX/XXXX!!!!! This is NOT RIGHT!!!!! POOR PEOPLE ARE PREYED UPON!!! I don't make excuses for my life. I am a single mother and I have worked hard to support my family completely alone. No one wants to have a sub-prime car loan, but sometimes we LITERALLY DON'T HAVE A CHOICE!!!!! My daughter is going to college next year and I am desperately trying to fix my finances and credit, so that I can help her as best I can. EXETER FINANCE HAS BEEN A NIGHTMARE!!!!!!! There is NO WAY to justify an insurance refund being applied to a loan TWO YEARS AFTER IT WAS CHARGED OFF!!!! This was clearly done in an attempt to keep this on my report. I am BEGGING the CFPB to please step in and help me!!!!!!!!!! Having a $ XXXX debt removed would do wonders for my credit score and reduce my DTI ratio. The loan was supposed to drop off my report NEXT MONTH!!!!!!! I have been waiting for the day I would be rid of this mess and they pulled something like this. I CAN NOT HAVE THIS ON MY CREDIT REPORT FOR ANOTHER TWO YEARS!!!!! When I called them recently, they told me that it's not going to come off for another TEN YEARS!!!!!!! HOW CAN THEY ADD THREE YEARS WHENT THE ALREADY FRAUDULENTLY ADDED ON TWO MORE!!!!!!! This is illegal and not even human to do something like this. My dad died in XX/XX/XXXX and I cared for him, my siblings, and my child. I had to pay for everything and I already didn't have much. When I got into the accident ( the driver was uninsured and fled the seen ), I couldn't afford the car let alone to have it repaired. I just want Exeter to remove the charged off account from ALL THREE CREDIT BUREAUS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX   XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/21 I ordered a Doggy Seat Belt for advertised price of {$9.00}. This company processed the order for {$36.00} Item # XXXX. Then it processed an unauthorized order for {$9.00} # XXXX for a No-Pull Harness ( S ) + 1 Lease. I did not order a Harness or a Lease for {$9.00} that price was for a Doggy Seat Belt. 
That is the only item I authorized, a Doggy Seat Belt for {$9.00}. Now what is odd to me is that a No Pull Harness + 1 Lease for {$9.00} is so much lower in price for two items, ( of which I did not order nor did I receive ) than a Doggy Seat Belt for {$36.00} which is a Strap of about 2ft. with a latch that buckles to the seat belt clasp. That's it! I called the Bank of America the very next day and there was a complaint filed. They investigated, and denied my claim, and also mentioned my History on my bank account. ( This is discrimination ). If this is how they reached a decision on my case. I disputed the decision and they denied that, closing the case.
Product: Credit card or prepaid card

I have autopayment set up for the last full balance. It only did the minimum and the chat specialist said it was a glitch and I need to call and talk to a supervisor. But I can't get a hold of them by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE XXXX XXXX XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX PAID XXXX XXXX XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX  XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : XXXX ECOA / WHOSE B / XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF SOURCE XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
Product: Debt collection

2021 Credit Collective services reported an account to collections that does not belong to me in the amount of {$99.00}
Product: Student loan

This account has been sold XXXX times. I contacted the the Student loan website and they stated XXXX is the new provider. Since XXXX  has taken over they have consistently reported incorrect amounts across all three bureaus. Due to the inaccurate reporting which is negatively affecting my credit I want these accounts removed.
Product: Credit reporting or other personal consumer reports

I have paid the original creditor ( XXXX XXXX apartments, this collection agency continues to report this to the credit bureaus and this is placing false information on my report. I have emailed XXXX copies of the email from XXXX XXXX XXXX  showing that I paid the original creditor. I have never done business with pro collect nor signed any contract with them.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized or misleading items, linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX **** Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$620.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax explaining that these inquires & accounts do not belong to me but they continue to report them on my credit.. I have sent them a police report, identity theft report along with my ID.
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 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. 

I requested my XXXX report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

i disputed inaccurate information on my credit profile these accounts do not belong to me. after a thorough investigation XXXX has deleted them from my credit profile but the other cra still have them listed on my credit
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 and accounts 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 accounts or information which are 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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX  XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} IN XXXX XXXX XXXX Balance : {$2200.00}
Product: Debt collection

There was XXXX $ I owe and XXXX $ on credit card debts was not me saying I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.