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

I am filling a complaint against Cash App ( Block.inc. ) due to inadequate customer service and unfair practices which violate the consumer Financial 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 caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

The story is my boyfriend got a trouble and would like to borrow $ XXXX from me. I have enough money in my Chase Bank account and I can support him to get through this hard time. Because there is no Chase branch around me, and I am afraid of emailing a signed check to him would not be safe, finally I decided to use wire transfer from my Chase account to his Chase account, a domestic transfer. I checked the transfer info several times to make sure that everything is correct before I scheduled the first transfer on XX/XX/2024. Since it was Saturday, and I was told the transfer would start on XX/XX/2024. On XX/XX/2024, I received an email from Chase saying that the transfer was cancelled and my account was locked. I called Chase and they told me they need some info from me to verify this transfer. The verification was definitely successful and they told I can do another wire transfer in half of an hour to one hour later. Then I scheduled the second wire transfer after maybe 3 hours after the call, still on XX/XX/2024, again it was cancelled and my account was blocked. I called Chase, did the verification, and then scheduled the third wire transfer again, the same cancellation happened. The agent told me to do another transfer on XX/XX/2024. Then on XX/XX/2024, before I did the fourth wire transfer, I called Chase and to told them that I would like to do a $ XXXX wire transfer to my boyfriend to support his hard time, and they told me I was good to go. Cancellation and account lock happened again. Anyway, I tried five times to transfer the money and all were rejected, even though I told them this is not fraud, and I did need to transfer the money to my boyfriend. Finally I called Chase again and asked how can I do the wire transfer successfully, the last agent did another more accurate identification verification for me, and after this successful verification, he told me I should go to a branch. The issue is there is no branch within hundreds of miles around me. I have never done a wire transfer, including in and out, all my incomings are clear just from salaries and interest. I am not sure whether they will close my account later because of the five times rejection, but anyway, I spent two whole days just on calling Chase and trying to solve this issue but just got endless rejection and lock. I was really really really uncomfortable with this service.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of an account appearing on my credit report. This account contains inaccuracies, potential violations of federal law, and unverifiable information that require its immediate removal under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. Below are the account details in question : Account Details Under Dispute : Creditor Name : XXXX XXXX Account Number : XXXX Account Type : Revolving ( Credit Card ) Balance : {$2100.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( varies by bureau ) Date Last Reported : XX/XX/XXXX ( varies by bureau ) Legal Grounds for Deletion : Inconsistent and Unverifiable Information FCRA 1681i & FCRA 1681e ( b ) : The high credit limit is reported differently ( {$2400.00} on XXXX vs. {$1600.00} on XXXX ). The last reported dates differ across bureaus, suggesting potential re-aging of debt, which is illegal. The Date of Last Activity ( DLA ) and Date of Last Payment are inconsistent, showing that the creditors reporting is unreliable. 
Re-Aging of Debt FCRA 1681c ( a ) ( 4-5 ) Violation : If an account is charged off, it must be reported based on the original delinquency datenot the last update date. The Date of Last Activity varies between bureaus, which is a clear sign of re-aging to extend the reporting period. Re-aging is a federal violation, and any account re-aged must be removed immediately per FCRA 1681c ( a ) ( 4 ). 

Failure to Provide Verification FCRA 1681i ( a ) ( 1 ) and FDCPA 809 ( b ) : Under FCRA 1681i ( a ) ( 1 ), any disputed account must be verified within 30 days, or it must be deleted. If this debt was sold, transferred, or written off, the original creditor must provide validation of ownership. If the creditor can not verify the accuracy of this information, it must be removed immediately per FCRA 1681i ( a ) ( 5 ). 
Charged-Off Accounts are Not Legally Enforceable FCRA & FACTA Compliance : If an account is charged off, it is no longer an active debt obligation and should not continue to impact my report under FACTA guidelines XXXX Creditors can not continue to report an unpaid balance after the charge-off unless the account is legally enforceablewhich is not the case here.
Product: Debt collection

Please see below from my previous landlord : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Whom it May Concern : RE : XXXX XXXX XXXX XXXX XXXX XXXX Please be advised there is a debt collection on the above referenced persons/tenant by National Credit System through XXXX XXXX XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. This collection is due to a software system glitch and should not have been placed. The XXXX XXXX is in the process of getting this collection removed from all the reporting agencies. 
Please disregard this debt collection. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I sent in an application for the Public Service Loan Forgivenesses Program, in order to find out if I was eligible and how many payments I had to complete in order to qualify. 
To which I was told I had the wrong type of loan and I was not on an income based repayment plan. 
Years have gone by, but every year I keep my eye open for any loan forgiveness programs for XXXX. 
This year, it caught my eye that there was a temporary expansion public service loan forgiveness ( TEPSLF ), which if I read correctly expands the program to people paying standard payments on there loan. So I checked with my loan type again. It was unclear to me what type of loan I had, it just specified consolidated on the website, everyone I have called at Navient tells me its a FFEL, however when I requested a history and the mastery promissory note it specifies all direct loans from the XXXX XXXX XXXX Federal Direct Loan Program. I  called my current serviced, Navient, XX/XX/XXXX and I was thrown through hoops to get a straight answer, regarding the information THEY, sent me on XX/XX/XXXX. One person, saying it was a direct consolidated loan, and one saying it was a smart consolidated loan. Someone told me the direct loans werent issued until XX/XX/XXXX and someone else said XX/XX/XXXX. Needless to say, I am uneasy with how my calls were taken. I spent all morning through afternoon with different people and at one point, when I spoke to their branch thats affiliated with the department of education, I was disconnected when I asked how they would rectify the issue. And they have my number they could have called back. Instead, I had to call back and was put through loops again. 
My other issue is that I never personally signed for this consolidation. In the packet, revealing my history and phone calls to my previous loan services I was, which I was given, on XX/XX/XXXX, there was no consolidation application signed by me. Only the mastery promissory note indicating direct loans. I have great credit, on time with payments and I just want someone that can be on my side to show me proof of my loan type. 
My loan has been transferred three times to different borrowers and at some point I truly believe this happened without my permission. 
It went from conduent, to XXXX, to now Navient. But my feeling is you buy the debt you should be able to answer my questions in a straightforward and detailed way. So my ending questions are what type of student loan do I have? And was my debt consolidated without my permission? And what type of loan do I have after it was consolidated?
Product: Money transfer, virtual currency, or money service

I am filling 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 seek appropriate redress for these violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Tree continues to use my information to provide for mortgage lending that I did not request. Last year, I filed complaints against Lending Tree for this and they continue to provide my name and information to other lenders. I then get a barrage of calls from different companies.
Product: Money transfer, virtual currency, or money service

Downloaded app for Ingo Money ( for mobile check deposit ) in partnership with a XXXX XXXX  product and it says my name and information doesn't match what's in their system. I've attempted to contact the company multiple times, but they have not corrected their errors in the system. Because I have concerns of Identity theft, and fraud, their comments, and practices, are particularly disturbing and are disallowing use of their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a Bank XXXX XXXX credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.
Product: Checking or savings account

I applied for an apartment complex called XXXX XXXX XXXX back in XX/XX/2023. I used my debit card to pay my application fee and security deposit {$1500.00} online. After I applied online the property manager XXXX XXXX advised me that my security deposit would need to be in the form of a cashier check. Wells Fargo advised to put in a claim so that I could receive my money back quickly and get a cashier check. I took the cashier check to the property. I officially closed the claim on XX/XX/2023 with Wells Fargo and the {$1500.00} was taken back from XXXX XXXXXXXX and they advised me that I would be evicted from my apartment if I did not pay the money back. Property manager XXXX advised that I would need to pay a late fee and since their bank charged them a NSF fee. I would have to pay the NSF Fee as well. I called Wells Fargo to ask them to reserve this payment back to XXXX XXXX XXXX. They did and they stated it was final debit card payment to the XXXX. Last night I was looking over my Wells Fargo checking account and I noticed the {$1500.00} was back in my checking account. Wells Fargo had taken the money back from XXXX XXXXXXXX XXXX for the 2nd time. I shocked and upset! I called Wells Fargo claims department to find out why did they take the money from XXXX XXXXXXXX again and they said " the property management company bank was still talking to XXXX after my rent payment was made in XXXX to XXXX XXXXXXXX and Wells Fargo had won the claim with XXXX. '' This makes absolutely no sense at all. Why would XXXX the property management company bank still be talking to XXXX after the rent payment was made. Wells Fargo claims department I believe is lying. I asked XXXX XXXXXXXX what was the name of their bank. I need for a investigation to be done to find out if it was XXXX XXXX or Wells Fargo bank who keeps making this error. The Wells Fargo Branch manager XXXX XXXX and Wells Fargo claims department advised me that the rent payment XXXX XXXX XXXX received in XXXX could not be reversed and it was a final payment to XXXX XXXXXXXX. Wells Fargo Bank has lied to me. Wells Fargo, XXXX and XXXX XXXX has caused me emotional distress and enjoyment of life due to this matter. This has been going on since XXXX. I have paid my rent twice for the same month and I paid on time the first time. I don't know what bank is doing this to me. However, I do know that Wells Fargo has lied to me because they stated it was a final payment to XXXX XXXX XXXX  and it could not be reversed but they have reversed it even though I closed this claim on XX/XX/2023 with Wells Fargo claims department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/ XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The loan was originally for XXXX and {$200.00} payments then suddenly they went up to {$400.00} every other week I was struggling to make them and nothing was coming off the principal. The terms were not clear and I feel like it was a scam how can a XXXX loan turn into owing XXXX in default when I have made over XXXX in payments. They have now filed a small claims against me in the amount of {$4600.00} stating they are writing off XXXX. I have requested several times a list of all of the payments I did make and details as to how I could possibly owe {$6100.00} and they have not produced this instead they filed a small claim which I will be disputing. I am also looking for others with this issue to possibly file a lawsuit against this company 's shady business tactics. Taking advantage of individuals who are in need of a short term loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. XXXX, XXXX TransUnion
Product: Vehicle loan or lease

In 2015 went to a dealer in XXXX XXXX California, and secured a loan by wells fargo bank on a used vehicle.Found out later that the vehicle was salvaged.Believed that my down payment was applied incorrectly, and a high interest weight.
Product: Credit reporting, credit repair services, or other personal consumer reports

When purchasing a home last year, Town Square Mortgage in XXXX XXXX TX could not obtain my XXXX score. 

They claim that contacted XXXX and I don't know what the agent told XXXX but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call Town Square Mortgage or my broker for assistance, they tell me they did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Transunion regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Reporting Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I would like to add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.
Product: Mortgage

I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the CENTRAL LOAN/CENLAR partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding XXXX unauthorized inquiries that appear on my TransUnion credit report. These inquiries were made without my consent and are negatively impacting my credit score. Below are the details of the inquiries. 

XXXX  Inquiry is XXXX  XXXX XXXX Which was made on XX/XX/scrub> 2024 & the XXXX  was with XXXX XXXX  Which was made on XX/XX/year>2024. 

52 Days Ago : I sent a formal dispute letter to TransUnion regarding these XXXX fraudulent inquiries. I provided detailed information and requested the removal of these inquiries from my credit report. After receiving no response to my letter, I called TransUnion to follow up on my dispute. Despite several attempts to get assistance, I was unable to obtain any helpful information or resolution from their customer service representatives. 

Despite submitting my dispute more than 52 days ago, I have not received any acknowledgment or response from TransUnion regarding the status of my dispute. 
Inadequate Support : When I called TransUnion for assistance, the customer service representatives were unable to provide any helpful information or resolution to my issue. 
Impact The unauthorized inquiries are negatively affecting my credit score and overall credit profile. This situation is causing me significant distress and inconvenience.
Product: Checking or savings account

I Have been a customer with USAA for Years. I'm not sure what has happened to their customer service but its be horrible lately. I have begged to speak with a manager the last 4 times i called. Because for some reason my payments were not being automatically withdrawn like i setup. The issue is i was also losing my automatic withdraw discount as well as missing payments. In the pass not only had i made my payments on time i actually paid ahead if you check my history. USAA failed me in regards to customer service. I shouldn't have had to call that many times begging for a managers assistance. As of yet i have not spoken with one. Had i received help from a manager my auto polices would not have been cancelled. I'm a nurse who works 16-18hr shifts i shouldn't have to spend hours on the phone begging for help to no avail and still end up having no insurance. i RECORD my phone calls so i can provide these to USAA if they'd like as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )