23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by SYNCB/TJX CO DC XXXX XXXX XXXX 2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Money transfer, virtual currency, or money service

Subject : Complaint against Cash App ( Square , Inc. ) for Account Closure and Fund Withholding Date : XX/XX/year> I am filing this complaint against Cash App, operated by Square , Inc., regarding the unjust closure of my account, their refusal to release my funds, and their inadequate customer service.

**Details of the Complaint : ** 1. **Account Closure** : Cash App closed my account, citing issues with my legal ID. However, they have not provided a clear explanation of why my valid, government-issued ID was deemed unacceptable.

2. **Withheld Funds** : There is a balance of {$34.00} in my closed account that I can not access. Cash App has not provided a viable method for me to withdraw these funds.

3. **Inability to Add Debit Card** : Cash App 's system will not allow me to add a debit card to withdraw my funds, effectively trapping my money in the closed account.

4. **Multiple Unresolved Contacts** : I have contacted Cash App support more than 8 times regarding this issue. Each time, I am redirected between their app and phone support without resolution.

5. **Unsatisfactory and Circular Responses** : Cash App repeatedly states they have " thoroughly investigated '' my concerns, but they have not addressed the core issue of accessing my funds.

6. **Unprofessional Conduct** : During my most recent interaction ( Claim # XXXX ), a Cash App representative yelled at me and treated me disrespectfully.

7. **Violation of Terms and Conditions** : Cash App 's actions appear to violate their own terms and conditions regarding account closures and fund access.

**Attempted Resolution : ** I have made multiple attempts to resolve this issue directly with Cash App through their app, phone support, and email. Despite these efforts, Cash App has failed to provide a solution or even a clear explanation of the problem.

I believe Cash App 's actions violate fair banking practices and consumer protection laws. I request the CFPB 's assistance in resolving this matter and ensuring that Cash App adheres to proper financial service standards. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as needed!
Product: Student loan

I am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit.

It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on  my credit report. 

They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing.

Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.
Product: Checking or savings account

I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
Product: Bank account or service

Wells Fargo - XXXX Had small biz checking account with WF with {$0.00} fee for min {$3000.00} balance. WF increased minimum balance for {$0.00} fee to {$7500.00} and began charging {$14.00} fee in XX/XX/XXXX. Now have {$70.00} in fees for 5 months. Went to WF to request fee refund. WF changed account to {$0.00} for min {$500.00} balance but said could only refund last XXXX {$14.00} fees because they can only go back 60 days. Requested these 2 months of fees be refunded but they have not been refunded. Account with {$0.00} fee for min {$500.00} balance was not mentioned during opening of {$0.00} fee for min {$3000.00} balance account even though I asked for the {$0.00} fee account with lowest min balance. Have paperless billing and was not notified by email about min balance increase resulting in {$14.00} fee charges. WF says notification was mentioned in monthly statement. 
I request WF account fees, fee notifications and fee refunds be investigated. If WF practices are lawful, then make email notifications of fee changes required for paperless billing accounts.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING.
Product: Student loan

I have contacted Nelnet several times the last time was in XXXX  regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX  College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documentation to the following 3 credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over 45 days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, XXXX XXXX XXXX XXXX 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: Mortgage

I started the refinance process late last year with Wells Fargo. We were supposed to close early In XXXX. The Wells Fargo said to not pay the XXXX mortgage which I didnt. Wells Fargo was not ready on the date and moved the closing out 3 times the latest date was XX/XX/XXXX. Last week on the XX/XX/XXXX they told me to make the XXXX payment, which I did that day. They just came back to say that because I paid my payment 30 days late VA will not allow the loan to close. I didnt pay per XXXX XXXX direction, and paid when they instructed me. Do I have any recourse?
Product: Money transfer, virtual currency, or money service

I was scammed and money was stolen from both of my savings accounts and XXXX to a random person. Within minutes I filed a claim with Bank of America and they said I may have a great chance of getting this money back and that they could even see what bank and account this money went to. After 90 days or so they responded denying me the return of all of my savings saying it was my fault the money was taken and they cant do anything about it. Absolutely unacceptable. Why would anyone bank with an establishment that does not protect its customers? I am not living in poverty due to that money being my money for moving as I was about to move out of state.
Product: Debt collection

in XXXX while i was stationed overseas somebody fraudulently opened an account with synchrony bank in my name, once i returned to the states side i contacted synchrony bank about this fraudulent account. the company immediately did an investigation and closed the account in XXXX of XXXX. Then in XX/XX/XXXX synchrony bank which is not even authorize to collect in the state i reside in which is the state of Tennessee reopen an account with a different account number in my name without my consent with no contract with my name on it. this company committed identity theft by fraudulent opening an account and then trying to charge me for an account that is not mine and that i never sign a contract with they continue to harass me with emails and report negative items to my consumer report violating federal law 15 USC 1681b. This company must close this fraudulent account immediately an update this with the credit bureaus.
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 redress for these violations.
Product: Checking or savings account

In XXXX of this year I paid for a vacation package with my debit card, Capital One Checking Account. 
This was a very expensive package and very, very little of what I paid for, materialized. The Travel Company I made the transaction with, has been very difficult to deal with.

They are not transparent and forth giving of who is the ultimate executive that has the authority to speak with me about the horrible purchase I received with the XXXX XXXX XXXX XXXX. 

My issue is with Capital One Bank, I requested a dispute of my payment ( partial ) I made to that XXXX XXXX XXXX XXXX, from my Checking Account. 
Capital One Dispute agents are refusing to honor my request. 
Over and over the agents say service is not eligible for a dispute. 
My numerous complaints against the Vacation Company were many mechanical issues in our room for 7 days, ADA neglect of my injured knee, lying about what I had prepaid for. ( Additional hidden costs ) and much more. 
None the less, they were not all service issues. 
Product description and more were not provided as I paid for. 
As I review Capital One dispute summary section, on their website, it is not stated anywhere that you can not request a chargeback disputes that pertain to service issues. 
I am being jerked around! 
I filed the dispute immediately when returned at the end of XX/XX/2019. 
I need assistance with Capital One not helping me.

I have complained to the company, I have complained to the Florida Dept of Agriculture, that handle complaints against the XXXX XXXX XXXX XXXX XXXX, Where I purchased the package from over the phone and online. 
My travel companion and myself spent {$2800.00} on the package, and I spent over an additional {$12000.00} with the ship and their exclusive vendors. 
The bank has told me flat out that they would not dispute my package price paid to XXXX XXXX ( Which is all I requested ) I requested the name of the Capital One Executive that had the authority to help me, and XXXX a Supervisor in the phone from Capital One, refused to tell me any contact information on where or who at Capital One, that my complaint was being escalated too. 
I am once again not being helped by the bank, nor are they telling me the truth, I ask for their charge back dispute guidelines in writing and XXXX refused to send me that document. 
Is there any help you can give me?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.
Product: Checking or savings account

To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that XXXX will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX XXXX account Number : XXXX
Product: Payday loan, title loan, or personal loan

Due to a recent health condition that happens when I was in XXXX, I struggled to make my loan payment for five months. After returning back to the XXXX called NBT bank and made the past balance in full. On XX/XX/XXXX I made a back payment in the amount of {$2100.00} and continue since then to make regular monthly payments in the amount of {$420.00}. Since XX/XX/XXXX until now I am trying to receive regular monthly statements with payment tickets which will allow me to send checks to NBT bank rather than calling every month to make payments over the phone. Sometimes I am not in a position to call the bank to make a payment. I tried to sign in online for automatic payments and was told I can't do that due to my past balance. Every month I called and bagged the bank to send me payment slips with the statement so I can mail back the check rather than calling but every month I was told the statement will be mailed and nothing happens. I also asked why they don't update the loan information on my account online so at least I can see the remaining balance however nobody ever answered that question I was always transferred to the collection department even though I was current on my payment I still made over phone payment within bank collection department. When I asked why I am been transferred to the collection department when I am current on my payment I was told that my balance was written off and that only the collection department can collect funds from me. So the question is if my balance is written off by the bank to whom in the world I am making payment? Well, I did finally receive a letter, not a payment slip just a letter stating that my payment should be sent by XX/XX/XXXX in the amount of XXXX to NBT bank in an enclosed envelope which was not there, no payment slip to detach and mail with a check so my question to this bank do I deserve some respect as a human and why I been treated without the respect all the time when I had health issues like humans and struggle but show my will to make payments on time as I promised when I took the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I was another victim in the large scale Equifax hack. Like many others, it was suggested that I check the status of my personal information on their website, and after doing so, I was told that I should return at a later date, and was directed to a page with ads for their credit protection services, which given the situation, is entirely improper. 

Moreover, with the number of times that I 've moved in the last few years ( I just finished XXXX XXXX, and even moved in the middle of that for an XXXX ), I 'm having trouble checking my credit report through XXXX.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX OF XXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
Product: Debt collection

I discussed with XXXX XXXX XXXX, a debt collector, from Freisem, Macon, Swann & Malone, LLP ( FMSM, LLP ) to have a settlement on my debt with XXXX XXXX XXXX. We had an agreement of {$4000.00} to settle my total amount of {$5400.00} and the attorney would help to dismiss the garnishment from XXXX Magistrate Court. However, Mr. XXXX did not inform me that he already received one of my paycheck ( amount {$460.00} ) from the Court and our agreement would include that amount. Therefore, the total amount paid was {$4400.00}, which is not our original agreement ( {$4000.00} ). I tried to contact Mr. XXXX to get the refund but the conversation did not end well, he refused my request. 
I hereby filing this complaint to ask for assistance regarding this issue since I am currently struggling with a severe financial crisis, and such collection practice from the FMSM, LLP is unethical and unprofessional. 
I confirm that the information given in this form is true, complete and accurate. I am willing to cooperate with Consumer Financial Protection Bureau on this matter. 
Thank you in advance for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX XX/XX/XXXX is not an employer. 

Factual data XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.
Product: Debt collection

The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.