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

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation for these violations.
Product: Mortgage

I filed a complaint with CFPB because all the delays Chase has caused preventing me from repairing my home in a timly manner. The most recent complaint was XXXX - Chases entire reply was not true. 

Chase stated XXXX We received inspection results on XXXX XXXX, 2016, showing that repairs had been 75 % completed. Our process is to release a loss draft check within 4 to 5 business days or receiving the inspection results. The loss draft check was issued on XXXX XXXX, 2016, and on XXXX XXXX, 2016, the check was mailed via overnight. This is our normal process for a claim. *** That is NOT TRUE - The inspection was complete and in my file on XXXX XXXX. When I got this reply I contacted Chase to confirm when the inspection was complete on XXXX XXXX I spoke to XXXX on XXXX at Chase and she confirmed the inspection was complete and in my file on XXXX XXXX not XXXX XXXX. This reply from Chase is a LIE! 

The reply stated the check was issued on XXXX XXXX - again a LIE - I am attaching a copy of a the check which was n't written on XXXX XXXX as Chase claimed it was written on XXXX XXXX. 

I am so tired of Chase lying and continuing to delay issuing fund causing delays to get the repairs done on my home. 

This has been going on since XXXX. All the delays have caused more damage, unnecessary stress and Chase continues to cause delays and LIE about it
Product: Debt collection

There are chargers on my credit card and credit report that are not me and I am now owing Capital One more than I used on my credit card. Not only that but I have these negative marks now on my credit. This has been going on since XX/XX/2023 and now I owe over XXXX to Capital One with derogatory marks on my credit.
Product: Credit card or prepaid card

men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX had a judgement lien and the judgement lien has been satisfied. If was satisfied on XX/XX/XXXX. I pull my credit report and it show I still own XXXX XXXX XXXX. I will enclose a letters from the Debt Collector and Court showing the release of Judgment Lien.
Product: Debt collection

On my transunion consumer report. Theres a collection from a company called XXXX XXXX. Amount is {$110.00} the original collector is XXXX XXXX XXXX. Even though this debit is not legally mines. They credited this collection to a account. Which frontline no longer have this debt. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunCoast local branch : went there to reopen account which they ( XX/XX/10 approximately ) had closed to no activity. Agent required me to send bank XXXX XXXX XXXX to XXXX # for approval. This all seemed very strange, but I did it. I receive a letter back that stated I was denied {$25000.00}. vehicle loan for lack of paperwork or something. The {$15.00}, credit line was reopened. I NEVER ASKED OR MENTIONED A VEHICLE LOAN. These 2 agents did something behind my back. I want this removed from my CREDIT REPORT as well. I am getting notice that my credit score is going down. Please take care of this with SunCoast ; they do not respond to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX
Product: Debt collection

for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and raised in XXXX XXXXXXXX, Va, i live here and work here, NEVER lived in new York. It is a violation for them to send MY INFORMATION to my grandmothers house, i guess as an embarrasment tactic, but i have a slew of family that would have access to this mail- aunts, uncles, cousins and not to mention my grandmother!! 

midland Funding is not abiding by the rules, as far as reporting or there tactics, the methods they are using are illegal and very actionable
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX .
Product: Student loan

Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the school.
Product: Debt collection

I am writing to report the continued harassment I have been experiencing from Med-1 Solutions, despite multiple requests for them to cease contact. I previously opened a complaint regarding their repeated phone calls before XXXX XXXX, which is outside of the legally permitted time for debt collection calls. These calls have caused me significant emotional distress, especially considering that the medical bills they are attempting to collect stem from recurrent XXXX  that are beyond my control. 

To provide a brief recap : On multiple occasions, Med-1 Solutions has contacted me before XXXX XXXX., including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These calls have disrupted my sleep and caused severe emotional duress. Despite my repeated verbal requests for them to stop calling, they have continued to do so. 

Cease and Desist : In late XXXX, I sent a cease and desist letter to Med-1 Solutions via certified mail, which was received and signed for on XXXX. Med-1 Solutions responded to my initial complaint stating that they would stop harassing me. However, on XX/XX/year>, I received yet another call and voicemail from them. When I called back, the representative claimed that no cease and desist letter was on file. 

At this point, I have verbally asked Med-1 Solutions to stop calling me NO LESS THAN 5 TIMES ( all of which are recorded ) and have formally requested this in writing via a certified cease and desist letter. The continued harassment and disregard for my rights under the Fair Debt Collection Practices Act ( FDCPA ) are unacceptable.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate disputes pursuant to 15USC 1681i. Initial CFPB complaint # XXXX. Experian has been sued by CFPB for these complaints. 
Experians neglect of its investigation duties has caused me unnecessary financial and emotional hardship. Remove these Unverified fraudulent accounts from my credit report immediately.

Experian failed to conduct proper investigations and verify accounts pursuant to FCRA, 15 USC 168i Initial CFPB complaint # XXXX. Experian has been sued by CFPB for these complaints. 
Experians negligence into conducting proper investigations has caused me significant harm, these inaccuracies are negatively impacting my credit profile and financial well-being. 
Experian has failed to notify me of the methods used to verify the disputed accounts. 
Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy within the scope of the FCRA My disputes have ben dismissed without proper reinvestigation as required by law. 

I request that the CFPB intervene to ensure Experian complies with its legal obligations under the FCRA Experians neglect of its investigation duties has caused me unnecessary financial and emotional hardship. 
I request that Experian remove all previously disputed unverified accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.
Product: Credit reporting or other personal consumer reports

I have notified Fifth Third Bank of fraudulent activity regarding a credit card opened back in XXXX of XXXX. They never closed the account and the thieves still used the card. I called again in XXXX due to increase on the credit report so they were still using the card. Fifth Third Bank assured me the account would be closed ( because they failed to due so ) and would notify the XXXX XXXX that this was a fraud account. XXXX will not clear this and has drastically reduced my credit rating. I filed XXXX disputes regarding this with no answers. I have done everything XXXX and Fifth Third Bank requested and filed a report with the government identity Theft. I froze my accounts and enrolled in XXXX membership and locked my credit. Fifth Third still allowed use of this fraudulent account. I am getting no resolve from XXXX except to ruin my good credit history. I went from XXXX to XXXX due to this dispute, Please help me stop experian from ruining my credit.
Product: Checking or savings account

The last week of XXXX i logged online to transfer my savings account into my outside checking account in order to buy a car. On tuesday XXXX the money was in my XXXX checking account but on Friday XXXX Citibank pulled the money back over drafting my account and claiming my account was frozen. I called XXXX and they were unable to provide me a solution to get my money out of the account in a reasonably amount of time with out any resonable solutions on how to unlock the account. They wanted me to go into a branch that I would have to fly to or Mail all my personal information to an address with a notarization just to unlock the account and they would not advise me on how long that could take. I then found another number to call the executive response unit XXXX where they gave me case number XXXX but that can take 15 days to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) Capital One Auto Finance XXXX XXXX : XXXX and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
Product: Student loan

Penfed has charged me an ACH return fee and late payment for years I just realized. I've asked them on phone calls to change my ACH autopay but they have not. They owe me at least {$520.00}. I only have transactions back to XX/XX/year>. I request they provide a full history to see the amounts they have been charging me in return payments and late fees wrongfully.
Product: Payday loan, title loan, or personal loan

Due to a loss in income, I wrote to Moneytree through the account message center advising of my inability to make payments and advising I was withdrawing my authorization for automatic ACH withdrawals from my bank account. This was done on XX/XX/2021. This was followed up with an email on XX/XX/XXXX reiterating the withdrawal of my ACH authorization. Despite this notification Moneytree debited two payments in the amount of {$200.00} from my bank account on XX/XX/XXXX for a total of {$400.00}. This caused my bank account to overdraw and be charged overdraft fees of {$70.00}. 

I emailed Moneytree on XX/XX/XXXX advising of this unauthorized withdrawal and again notifying of the withdrawal of my ACH authorization, and of the fact they caused my bank to overdraft. 

Despite these multiple notifications once again on XX/XX/XXXX Moneytree debited {$200.00} from my bank account.
Product: Checking or savings account

I received a letter from Wells Fargo dated XX/XX/XXXX stating they are contacting me to inform me that my account may not have closed when they told me it was closed.They attached a check in the amount of {$26.00} and said it was for reimbursement for any fees I was charged after the account failed to closed. I also received another letter from Wells Fargo dated XX/XX/XXXX with a enclosed check for the amount of {$27.00} stating that this check was for fees that were charged while a unauthorized restraint was placed on my account.They also instructed that the check includes ban additional amount of {$1.00} to compensate for the time these funds were not available.I 've spoken to multiple representatives for Wells Fargo and XXXX which is a third party company authorized to issue the checks on behalf of Wells Fargo and I have been getting the run around. I get transferred from department to department on cold transfers having to re explain the situation to every representative I speak to. I been. feed inaccurate and incomplete information by representatives from both Wells Fargo and XXXX. I've filed multiple complaints with each department one on XX/XX/XXXX, another XX/XX/XXXX and XX/XX/XXXX for Wells Fargo Remediation Program but have failed to get any answers for any of my questions and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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  15 U.S.C. 1681 Section 602A states that I have the right to privacy.

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Money transfer, virtual currency, or money service

I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX
Product: Debt collection

I sent a validation letter to a collection agency XX/XX/21 to prove obligation in paying towards a debt and if the amount owed was correct. 

Just recently, XX/XX/21 I received descriptive paper work on procedures done and medications received. I never sanctioned them to send me medical records neither did I sign a release form allowing them to do so. 

Patient confidentiality in my opinion has been shattered. Personal information has been sent out publicly and who knows whose hands they may have gotten into. My HIPPA rights have been violated which is why I am sending this CFPB complaint today. 

I anticipate getting this matter resolved. 

Thank you, Best.
Product: Checking or savings account

XX/XX/2023, my USAA was hacked. I immediately disputed the transactions. Our social security checks and pension checks were deposited but couldn't have access to our funds. They closed our account and said we were responsible for the hacking. 
We opened our new accounts with XXXX. My identity has now been stolen, and false claims were declare They are working on it diligently to fix the pr9blem. I have filed a police report. 

We have XXXX years with USAA XXXX and my husband is a 17 year veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

I got scammed fraud about a rental leasing and sent in total XXXX $ through wire transfers and XXXX  payments to the scammer and my bank Chase let me know I would not be able to recover my stolen money
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact credit Burea concerning this matter and sent in proof supporting my Concern Im Asking to update my report according to laws U.S.C1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion that are inaccurate an needs to be removed from my credit report. please looking at all the errors included this needs to be corrected. all information is listed that is inaccurate an invalid please delete asap.