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 either 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: Debt collection

I began to really look at my credit this year and even pay for credit monitoring now when I noticed this collection account from SEQUOIA FINANCIAL SVCS. I disputed the item with XXXX, and on XX/XX/2019, they responded saying it was verified by Sequoia with no supporting documents. I also send a letter to Sequoia on XX/XX/2019 requesting verification as I know the debt is not mine. The certified letter I sent to Sequoia was signed for on XX/XX/2019. I never received any response from Sequoia, they never marked my credit report as being under dispute, which I have screenshot evidence of from my XXXX account, and I have never been able to get anyone on the phone. Instead, they continue to increase the amount they claim I, " owe, '' on my credit report. I waited patiently for some type of response and have never heard a word from Sequoia, so once again, on XXXX XXXX, 2019, I disputed this collection account with XXXX  asking for some type of verification to show this is my debt and I have not heard a word from Sequoia, however, in the last 2 days, XX/XX/2019 and XX/XX/XXXX, they have increased the amount they claim I owe, once each day, almost like a retaliatory action for disputing this item. I expect them to do it again today. They provide no response to my demand for verification, but, they keep increasing the amount of my credit report and now they are doing daily, which they have never done in the past, their past pattern shows them doing it monthly or even weekly, but, not daily. This is absolutely ridiculous and I am prepared to file a small claims claim against this company if this matter is not resolved. I live in California, not far from this company, so I will not hesitate to file a claim/case, however, I want the CFPB to investigate this company and their illegal actions, and I am hopeful it will be resolved at this level before I have to put the time and energy into a lawsuit. Supporting documents will be attached. I have been trying to resolve this matter since XXXX with no response, no response letters, no communication at all, simply ignored, no update on my credit report to show I disputed the item by Sequoia, instead, they have ignored me while continuing to increase the amount they claim I owe. I would appreciate all the help I can get from the CFPB with regard to this company, I want the item removed from all three of my credit reports and I want action taken against this shady company. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information from my credit report : [ XXXX XXXX XXXX XXXXXXXX, GA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact me.
Product: Student loan

Good Afternoon, I know this may not be a concern of yours and I understand that you may have other things to do. My name is XXXX XXXX I attended XXXX XXXX in XX/XX/2003 I failed to graduate due to my own personal issues, but I am now sitting at an estimate of {$81000.00} due to late fees, interest rates etc. My concern and problem is I am not able to pay this amount, I am a single mother of XXXX I am a hard worker and I do not live off the government. The cost of living is through the roof, not sure if you understand what that means or mean to struggle no offense. XXXX XXXX has closed due to bankruptcy not sure how that is possible either, for whatever reason they were unable to get anymore funding. I do not understand how the process works when getting a loan to attend college, not sure if the full amount of the school is paid by the loan company and the requirements if you do not finish. A reasonable thought of mines to help companies and low income families is to requset the funds back from the school or required for the school to give it back if you do not attend the school anymore, but again that is my opinion. I did sign up for the income driven program, but from my understanding I will be in more debt. I am reaching out because I am concerned and understand its not a problem of yours being that this is your company, but I really need help with any resources ideas something. My financial situation can not fit another bill, I don't quilify for assistance because I am constantly told i make to much ( XXXX ). I know I may never hear from you are your assistant, I just needed to explain my current situation that myself and your company is having. One last thing did navient buy out XXXX XXXX or did the name change or how is it even possible to owe a company that I did not originally sign with. I hope to here from someone that understands my concern. Again I am a hard working mother I don't sit at home waiting on handouts, but I am asking for some help I constantly hear about forgiveness programs, but for certain people who are you really forgiving or what is the meaning of forgiveness. My contact number Thanks I pray I hear back from someone that is willing to help me or guide me in the right direction.
Product: Checking or savings account

On XX/XX/XXXX I stopped by Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to deposit some funds. Our savings account there is used almost exclusively by my wife. While at the bank on that date I discovered that our savings account had been charged a monthly fee of {$5.00} since XXXX of XXXX. I was told that this happened because the account became " unlinked '' from our checking and investment accounts. We have had an account with Chase for many years and the accounts have always been linked. The " unlinking '' was not an action I took, but something that the bank did without notification. 

The branch refunded the most recent fee, but said they were unable to do more. After speaking with XXXX XXXX ( Private Client Services ) and then following up with the XXXX, XXXX XXXX, I was contacted by the escalation service today ( XX/XX/XXXX ). They called me today and said despite the mistake being on their end they would not issue a refund, per policy. While I have to assume that Chase ' terms give them legal protection, I feel like a fee that they admit to charging erroneously should be refunded and I am hoping CFPB may help give me some direction.
Product: Debt collection

Hi, PROFESSIONAL DEBT MEDIATION, INC on behalf of XXXX XXXX has been trying to collected an amount of money that is not owe because according to the Florida statutes 83, appliances and all the stuff they are charging me have normal wear and tear and it can not be charge to the tenants. I rent the apartment in XXXX, while this apartment was seven years  old already by XXXX. All inside the property was already in bad conditions and it is reflected on the move-in list. After moving-out in XXXX, ten years more of use plus the 7 previous years, the apartment was with 17 years of antiquity. I have proofs, like photos, the move-in/move-out report, and a letter that confirms that all the payments were always made on time. This situation happened in retaliation from the management, because they were reported for not replacing the carpet after 17 years, for not renewing our contract and for request a first floor to move in for a XXXX apartment. Since I was force to move out due to their retaliation to other place, I was unable to fight this Debt in court and I do not have the money for pay a lawyer to represent me. I already sent professional debt mediation, Inc all the proofs I have, also I reported it to the consumer report in XXXX Florida, which were unable to help me and they send me a referral for an attorney. I did my complaint with XXXX XXXX Consumer Report because this property is a low income property that is offer and sponsored for the XXXX XXXX County. All the charges are unfair and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 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 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: Checking or savings account

Dear to whom it may concern. 

We are attaching 2 documents that show that qualifications were done for a {$400.00} promotion. 

This is the second time Wells is unfairly and unwilling to deposit monies that are rightfully due to a customer.
Product: Checking or savings account

I was scammed of {$970.00} from an online shoe purchase. I disputed this with Bank of America on XX/XX/2022, and since then there has been no resolution to this incident. I am filing this complaint to get help in getting a resolution to this scam that I been targeted of. My case number with Bank Of America is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

When I researched my credit report, I noticed that part of the information was erroneous. Experian, XXXX and XXXX are obliged to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not allowed to classify this reporting account as unconfirmed information without providing proof within the legal timeframe. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverified account below : XXXX  XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XX/XX/2017. Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. Misleading representation and hiding that disclosure.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 U.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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that 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: Money transfer, virtual currency, or money service

Once I found out it was a scam, I went to the bank Friday morning on XX/XX/year> at XXXXXXXX XXXX. I talked to a branch manager. She was understanding until she spoke to the person who withdrew my money on XX/XX/year>. She came back very aggressive and stern. Saying that he asked multiple questions and I stood strong to my story that I owed my parents money. The branch manager at this time, told me it was my fault because I am an account owner and I should know better and I can do what I want with it. She did not allow me to speak about on what questions were really asked. The person who provided me cash only asked me 1. Why are you pulling out money? 2. Would you like this in check or cash? 3. Is someone forcing you to do this? 5. Where I will be keeping this money? 4. Would you like this to be in the biggest bills, I am assuming? Never once did he press the issue more or ask me the government questions like he said he would due to policy. I am filing this compliant because I believe the person who withdrew me the money did not follow policy questions and the branch lady was rude when she found out he had asked me questions. I was under a lot of pressure, distressed, and being threatened time and time again. Banks should protect us from scams, alert us, and be patient. I was accused and blamed for not knowing about this scam/fraud. I take fault for not stopping and thinking but in those situations you can not stop and think straight. The bank did not provide grace or understanding. They blamed me for the situation and said there hands are tied.
Product: Checking or savings account

I contacted Suntrust and they said my account is frozen and will be closed after an investigation. I had this happen prior when I had my relatives UE and stimulus check deposited with their permission. I recently deposited a XXXX XXXX insurance check of amount of XXXX. This is my daughter who lives with me and her name was on the check along with mine. They did not tell me my bank account ( *savings and checking ) were frozen until I called them. They are investigating for fraud. I have not deposited any other checks into my account. I opened another account for my relatives UE at XXXX XXXX XXXX in which I help him manage his funds. I have a signed authorization from him that was previously submitted. I have to pay my house payment by the XXXX and I have no funds to pay this with. I have also been diagnosed with XXXX XXXX and just finished treatment and I am a single parent. This money is vital to our well being. Can you please check on why this is happening for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

What information did you send to the creditors and what did they send back? The reason I know you are not properly doing investigation is due to the fact that you are typing in the comment fields acting like you did an investigation that is the wrong spot should be listed in the correct spot on the credit report I have submitted factual proof that you are not doing your job and most importantly follow the law either you remove these account or I will file a federal lawsuit and sue you for what Im entitled too. Im in need of a car and I will he applying for credit in the next 5 days after speaking to attorney about this first thing they ask did you apply for credit brings in more money and you almost immediately win your case but you need to follow the law and do what you are expected to do. And obey the law but you will soon find out very very soon Why dont you send me the information that was sent by your company and what the creditor sent you?? Maybe their was nothing sent could that be?? 
Send this information last time asking for it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.
Product: Vehicle loan or lease

I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.
Product: Checking or savings account

It was a cold night in Minnesota. I went to the ATM at Huntington Bank. I deposited some cash. The machine paused for a moment and declined some of the bills. It rejected the small bills and kept the larger bills. I straightened out the smaller bills and tried to feed them through the machine again. Then the machine kept all the money and displayed a note saying contact my financial institute. Over a month ago I waited They credited my account everything was fine. They did an investigation and determined no transaction occurred. I didn't make this up. I know 100 % I put my money in to this ATM. I am requesting a full investigation on this matter. I would like the videotape of the actual transaction and I'm getting no result from my bank. They are treating me as if I'm a criminal. I am not. I did not make this up. I have no receipt all I have is that videotape. PLEASE help me in this matter. Thank you