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, unfair practices, and failure to comply with federal consumer protection laws, which violate Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

1. Failure to Prevent and Address Fraud : Cash App failed to implement adequate security measures to protect my account from unauthorized transactions. Despite notifying them of fraudulent activity, they did not take timely or effective action to mitigate the risk or reimburse unauthorized transactions, violating 15 U.S.C. 1693g of the EFTA, which limits consumer liability for unauthorized transfers.

2. Unfair and Deceptive Dispute Resolution Process : Cash App dispute resolution process was misleading and did not comply with Regulation E ( 12 C.F.R. 1005.11 ), which requires financial institutions to investigate errors promptly and provide provisional credit when necessary. They failed to conduct a thorough and good-faith investigation, leaving me without proper recourse or reimbursement for disputed transactions.

3. Lack of Transparency and Communication : Their customer service was unresponsive and failed to provide clear, timely information regarding the status of my dispute, violating CFPA ( 12 U.S.C. 5531 ( a ) ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

These failures have caused me significant financial loss, stress, and inconvenience. I request that the Consumer Financial Protection Bureau take appropriate action to hold Cash App accountable, ensure compliance with federal regulations, and provide proper redress for affected consumers.
Product: Debt collection

On XX/XX/2019, I was called from an autodialer from Collection Bureau of America. The call told me to press one if I was XXXX XXXX. Then told me to wait for the next representative. A representative named XXXX picked up the phone after I waited it to connect me to someone. She informed me that she was with Collection Bureau of America and did not verify any information with the exception of my name, which she had as XXXX XXXX, not XXXX XXXX. She then told me my addresses ( previous and current ). It could have been anyone on the line that she was talking to since she didn't ask me any personal identifiable information. She did not ask for any information from me. I asked what it was regarding and she told me it was regarding a storage bill but she could not tell me the company. Then, she said it was in XXXX, but then said it was in XXXX. She told me I could look it up. I told her there are tons of storage companies in XXXX! I told her I was worried about them reporting to the consumer reporting agencies and she said that it could be reported in 30 or 45 days. I informed her that they had not even sent me any validation and they have not given me the right to dispute the debt. I ended up informing her about that her company violated the Telephone Consumer Protection Act ( TCPA ) and asked to talk to a supervisor because the TCPA violation could cost them a fine of {$500.00} per call. She argued with me stating that she called me and the call was not autodialed, which was a lie. I asked her if the call was manual dialed, why did I have to push 1 to confirm I was the person and then wait " for the next representative. '' XXXX, then, hung up on me. 

I called back, a woman picked up the phone and hung up on me again. Then I called again. The next representative did not want to transfer me to a manager. She ended up transferring me to a manager named XXXX. She told me the company that sent the debt to them was XXXX XXXX XXXX but she had no documentation. She would not give me their phone number either. I told her about her companies violation of the TCPA and that she should speak with her compliance department. I have worked in the compliance department of a third-party debt collection company and in the legal department of an automobile originator and dealt with many issues regarding violations such as TCPA, FDCPA and UDAAP. I know my rights, and my rights have been violated.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Mortgage

This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process, Chase had closed my prior MOrtagage with XXXXBank and HELOC as well. 
It has come to knowledge that XXXX Bank has charged {$500.00}, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. 
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank, resulting in pre-closing penality of {$500.00} to me. 
I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. 
This is complaint, that I would like to begin filing to Consumer Forum.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on experian with certified mail tracking numbers requesting a company called XXXX XXXX XXXX XXXX  remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which XXXX XXXX XXXX XXXX had received by never responded to my request. Within 10 minutes the XXXX XXXX XXXX XXXX was removed from my credit score. 

On XXXX XXXX XXXX XXXX XXXX refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. Experian investigated the dispute and claimed they recieved proof of debt. I called Experian and Experian refuses to show me proof of debt. 

I feel this is fraud and a scam on the XXXX XXXX XXXX XXXX and Experian because there has be NO PROOF sent to me to verify the debt and I request help in having Experian remove this from my credit score.
Product: Credit card or prepaid card

Talked with XXXX on XXXX about 3 accounts that should be deleted from my credit report and I have disputed with all three credit bureaus, only to come back verified.
Product: Money transfer, virtual currency, or money service

My card was charged {$160.00} from something i didn't pay for or order
Product: Credit reporting or other personal consumer reports

The information being reported is incorrect. 

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

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. Account - XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure. 

We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.
Product: Credit reporting or other personal consumer reports

A FRAUDULENT APPLICATION FOR A CREDIT CARD WAS SUBMITTED TO XXXX  XXXX BANK ON XX/XX/year>. I REPORTED THIS AS FRAUD IMMEDIATELY TO XXXX  XXXX. THIS RESULTED IN A HARD INQUIRY ON MY CREDIT REPORT. I HAVE DISPUTED THIS WITH ALL XXXX CREDIT BUREAU 'S BUT TRANSUNION REFUSES TO REMOVE IT. I HAVE REPEATEDLY CONTACTED XXXX  XXXX WILL NOT PROVIDE ME WITH ANY DOCUMENTATION THAT THIS APPLICATION WAS FLAGGED AS FRAUD. HOWEVER, THEY KEEP TELLING ME THAT THEY SUBMITTED DOCUMENTATION TO THE CREDIT BUREAU 'S AND REFUSE TO PROVIDE ME ANY DOCUMENTATION. I HAVE REPEATEDLY CONTACTED TRANSUNION AND THEY KEEP TELLING ME THEY HAVE NO DOCUMENTATION AND/OR IT COULD TAKE UP TO 90 DAYS. HOWEVER, IT IS WELL BEYOND 90 DAYS AND THE INQUIRY IS STILL PRESENT.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a mattress at the XXXX XXXX XXXX store in XXXX, LA. At the time of purchase I was told I was eligible for XXXX months deferred interest payments if I applied for an XXXX advantage credit card. My salesmen, the store manager, and financing specialist all promised this, my husband was present and was promised the same. I had been paying on my balance to have it satisfied in about XXXX months. However, on XX/XX/XXXX I received my statement from XXXX XXXX   noting my balance had increased by {$860.00}. After logging in to view my account history I saw that my promotional period had ended and the backlogged interest had been charged to my account after on XXXX   months.
Product: Checking or savings account

I opened a high-yield savings account with Marcus Bank XXXX Goldman Sachs XXXX XX/XX/XXXX. I did all the verification process for my external bank account so I can fund the XXXX I transferred {$15.00} on XX/XX/XXXX to the new account. On XX/XX/XXXX Marcus called me and told me that my account was being closed because and gave vague reasons for that. They tell me my funds are being sent back via the external account or by check in XXXX business days. It's been more than a month, multiple ( XXXX ) calls with Marcus and every time they tell me they are working on it, things are on queue, they are investigating, they are processing the information. A lot of ways to say that they are doing nothing because I still have no answer or explanation. On XX/XX/XXXX an agent from XXXX department told me that I could be sure that in XXXX business days I would get my money back. Today is XX/XX/XXXX and still no check sent, no transfer to my external account and no email notification. I called today, and after spending XXXX hours at the phone talking with more than XXXX agents and I still don't get an answer and they just keep telling me they are working on sending my funds back but no details or no date for that. I'm pretty concerned about my situation and something that bothers me is that sometimes they tell me that they can't verify it's me so they can't give me details about my case, etc.
Product: Checking or savings account

Online banking transactions are showing up under wrong merchants and when I tried to open a case for this issue with a representative over the phone, they ended up canceling my card without telling me. In addition to the merchants being incorrect, there are also constant withdrawals//charges that I didn't process and then immediately the exact amount returned. Sometimes from the same merchant as the deduction, sometimes different. Call representative confirmed that the merchants on their end are correct but that it's showing up incorrect on my end. There are even multiple interest deductions and added back. Things that were showing up correctly suddenly showing up at a later date incorrectly. There has been 2 times where charges I was certain were completed completely disappeared. This makes the online banking service inaccurate, misleading, ineffective, unreliable, and unsecure. Calls are either being intercepted or representatives are regularly providing misleading information and talking incoherently in circles using relevant key terms in completely illogical and unhelpful ways. One had me repeat the spelling of my address numerous times ( including the spelling repeatedly ) and one of the reasons is that the spelling of XXXX translated to XXXX to him. Just word salads and repeated inconveniences.
Product: Credit card

I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : LANIER COLLECTION AG
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XX/XX/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 XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

I have been a Citicard member for 31 years and in 2020 I have encountered the worst and most unprofessional customer service. I set up bill pay via my bank and have for the last 15 years. I set the payment up to pay on the due date and never had an issue with Citicards until XXXX 2020. Furthermore, I set up all my other bank payees in the same manner and have never had an issue. I have bank evidence and confirmation from my bank that Citicards ACH 'd my account on the due date ; however, they have begun holding the money and not posting to my account in a timely manner. XXXX also has this documentation. The only nice customer service representative I spoke with in XXXX, easily saw the situation and reversed the late fee and interest. This occurred again on my XXXX statement and there was not any professional CSR agents to assist me. Again, they clearly had the money but delayed posting it. 

I truly feel something has changed behind the scenes and they are now happy to rip off consumers.
Product: Checking or savings account

On XX/XX/2023, I disputed a charge from my checking account after determining that an individual made a fraudulent purchase from an online merchant using stolen login credentials. On XX/XX/XXXX, my bank notified me that they determined the charges were not fraudulent. I had previously cancelled my card as a result of this transaction and taken action with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. improperly stored my identity information resulting in a security breach that included my name, SSN, birth date, address, and drivers license number. I have filed a 90 day initial fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXX XXXX XXXXXXXX ). In the balance ( HIGHEST BALANCE ) Section XXXX is reporting a highest balance of ( N/A ), XXXX is reporting a balance of ( {$470.00} ) and Experian is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on Experian, charge off on XXXX and there is no payment history listed or available at all on XXXX. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.