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 proce 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 redressIng of funds.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

On or about XX/XX/XXXX opened a CD account with Marcus CD a subsidiary of Marcus Goldman Sachs via phone. I deposited money from my XXXX XXXX XXXX account via ACH transfer within several hours they received the money and on XX/XX/XXXX a CD was opened which would mature on XX/XX/XXXX. 
In XX/XX/XXXX I chose the option to release the money and transfer it back to the same account upon maturity on XX/XX/XXXX. They said the money is usually deposited within 24hrs, Its been over a week, they have not released the money yet, and they keep giving me the run around saying the money has been transferred. I keep asking them for transaction verification, my bank has not received the money yet and I am still waiting. I have had numerous conversations with them with customer service and their supervisors and still to not have the money there are numerous complaints online and I would like to document my complaint and see if CFPB can look into this bank and its handling of these issues.
Product: Mortgage

XXXX XXXX in your letter XXXX XXXX dated XX/XX/XXXX referencing community loan servicing XXXX you state you're included an escrow transaction history from XX/XX/XXXX to XX/XX/XXXX when you transferred that loan to a different servicer yet I only have page one of one which covers XX/XX/XXXX through XX/XX/XXXX it appears that you've excluded all of Bayview and all of communities escrow transactions send me a correct correct escrow transaction history from XX/XX/XXXX through to XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! 

So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! 

They all told me it is what it is and I could go online fill out paper work and thats it! 

SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX  This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!
Product: Consumer Loan

i have partnered with XXXX XXXX XXXX in order to avoid bankruptcy. I have had a hardship and I am unable to pay my debts at this time. I have notified all of my creditors, all have complied with the do not contact request except for Onemain Financial, XXXX. I have sent them numerous requests to stop contacting me, especially at my place of employment. They are calling no less than 5 times a day! They are sending letters to my home, my husband, my place of employment and calling my cell phone relentlessly. This must stop. I have told them my situation however they refuse to stop harassing me!
Product: Debt collection

XXXX my bank account was seized by XXXX XXXX XXXX who are representing New Century Financial for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX XXXX XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get XXXX XXXX XXXX to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.
Product: Debt collection

I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent to me.
Product: Debt collection

I am a victim of identity theft. A fraudulent account was opened with my information that I did not authorized. 

The account open was from XXXX credit. 
XXXX credit is a platform that allows any one to apply for credit online. My personal information was stolen and used to open this fraudulent account which even hurt my credit drastically. 

This fraudulent unauthorized account was reported to all XXXX bureaus and I manage to get it deleted out of XXXX, so how is Experian verify this information? 

I would like this account to be immediately DELETED from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and did not get a response from you within 30 days. XXXX are required by law to do so. Please I investigate my disputes. Thank you
Product: Credit card or prepaid card

I tried to pay my BoFa credit card with my XXXX account, through the bofa app. The app failed twice ( closed out while using it ) while i was making a payment so i received no confirmation of my 1st payment. I tried again, it closed again. I tried a 3rd time and it worked, i landed on the confirmation page. I looked at my dashboard and only saw the 3rd payment confirmed so I was all set. 

I went to the app 2 days later and saw that all 3 started processing. I called bofa twice over the weekend and wasn't able to get through. Both times, I was asked to use the 'schedule a call back ' feature where I put in my # to get a call back when I was up. Neither time I received a call and was never able to reach a person. 

I could not afford all 3 payments for over 1K to go through in my XXXX   account, so I had to call XXXX and put a stop payment in for both the first and second payment. They waived one stop payment fee, but not the other for {$30.00}. 

I called Bofa the following week to address the fee, escalated to a supervisor, and again to a supervisor to try and have the XXXX fee refunded as a credit. I was told no supervisor was available so I scheduled yet another call back. 24 hours later and I am yet to receive a call. The fee did not originate from BoFa so I understand the agents inability to refund. However, the fee is a direct result of a system failure in Bofa 's system ( both the app itself twice, and then again twice when I called and the call back feature never called me ) and I had to take matters into my own hands to not receive an overdraft.
Product: Vehicle loan or lease

Finally had enough : I used this company ( who claims to be a dealer ) to obtain a vehicle and was subjected to a mostly one sided agreement based over a 5 minute presentation by a " Sales Person ''. However, at the initial phone call I was told ; " We do n't care about your credit, we care about affordability ''. WE CAN GET YOU IN A VEHICLE. 

The Hook is baited : Well, the story was different when I was in the chair in front of the rep. They do base loans on credit scores and the consumer does not get to choose a vehicle. Vehicles are high mileage and VERY USED. For a vehicle barely worth XXXX XXXX bucks, a " Customer '' will end up paying a loan of XXXX based on desperation for a vehicle. XXXX XXXX actively seeks customers out. This meets the very definition of predatory lending as the contractual agreements are one sided, beneficial to the company, and restraining to the consumer. 

The XXXX rush : Part of the CLOSING AGREEMENTS is " allowance '' of a GPS Tracking Device. Consumer signs an agreement, but, I would like to know what information is collected, where it is stored, and if the device is running always.This would constitute a loss of personal privacy placed aside for the necessity to track the vehicle if payments were not made. At the moment of this complaint I can not tell the CFPB if my vehicle is being actively tracked while it is parked. 

The 22 point inspection : At the time of initial sales hook presentation I was told that my vehicle would have a 22 point inspection. However, on the very day XXXX took the vehicle, I discovered the passenger headlight did not function AT ALL and it was too late to return it. I had to avoid working since I could have been stopped and issued a ticket. So, if a company tells me they check the vehicle for safety should n't that include the headlights? I have trouble with any inspection that missed something as basic as lighting. 

Invading my personal space : Next issue is " Courtesy Reminders '', EMAIL, and Text Messages : Today the payment is due. This company wastes no time calling me at XXXX XXXX. I return the call as I am confused. Why is this company calling me at XXXX XXXX for a payment that is due today. Are we at the close of business? Is my account delinquent? or, is this company badgering me to make my payment. Just for the CFPB government record, I have made a verbal demand to have NO CONTACT WITH THIS COMPANY UNLESS I INITIATE IT. No email, no texts, no calls. I want NOTHING TO DO WITH THIS COMPANY OUTSIDE OF COMPLETING THE PAYMENTS AND MOVING ON. Now this demand is written. Cease and desist. 

Rest assured, I will be diligent with FEDERAL COMPLAINTS, Federal Trade Commission Complaints, BBB Complaints, and Attorney General Complaints for any violations of my privacy, right to thrive, and any issues with harassment. I see this company as a predatory lender and I will watch closely.
Product: Checking or savings account

Chime told me they will get back with me they will try to fixed the problem the XXXX XXXX XXXX  took XXXX out without my permission I didnt sign and I didnt download the app at all please help me get my XXXX. Back now I dont want to use chime card. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MY NAMES : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX NOT MY XXXX : XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I mailed a dispute to TransUnion LLC for XXXX XXXX reporting on my credit report and I received a letter dated XX/XX/XXXX stating that they will not honor the dispute to validate information being on my credit report. This was NOT A " FRIVOLUS '' dispute and I am entitled to dispute any inaccuracy on my credit report and feel that I am being discriminated against. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). TransUnion LLC has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. TransUnion LLC should resort to reasonable procedures to rectify this affair. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Mortgage

After making a balloon payment on my mortgage, I have reached the 78 % mark of the principal-to-original-home-value figure on my mortgage ( the LTV ratio ). I called Nation Star to get them to drop the PMI pursuant to their duties under the Homeowners ' Protection Act ( " HPA '' ). Despite this, Nation Star refuses to cancel my PMI, pointing to an ambiguous Notice which actually does NOT state that Nation Star will refuse to comply with the HPA by NOT auto-cancelling the PMI at the 78 % LTV mark. Having not contracted out of the HPA Protections, I hereby invoke them against Nation Star and demand that they cancel PMI on my loan.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXBalance : {$16000.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$120.00}.
Product: Credit card or prepaid card

We purchased kitchen appliance from Best Buy in XXXX they could not deliver when needed so we cancelled all items. they keep telling us there is a balance of {$360.00} when we ask them to explain the balance they can not give us any details. I added up all receipts and credits they equal {$10.00} which was a donation to XXXX XXXX. When I finally figured this out myself we paid the XXXX dollars. I have written the credit card company the CEO at Best Buy the Local Store and disputed through XXXX. XXXX  completed their investigation and said Best Buy saids they are correct end of dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHERMORE I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

I applied XXXX XXXX card on XX/XX/XXXX. According to the offer, I should get XXXX bonus starpoints after I spent XXXX in 6 months. On XX/XX/XXXX, I confirmed with XXXX that I have met the spending requirement for getting the XXXX bonus starpoints. However, XXXX only gave me XXXX bonus starpoints.
Product: Debt collection

I have contacted the company. XXXX and spoke to them. This is over equipment charges. I have cleared this off 2 of the 3 bureaus, but IC collections keeps putting it back on my report when I get it off. This debt didn't start in XX/XX/2020, that just when it was readded to my report. I do not owe XXXX and I do not owe IC Systems. I have no collections on any of my reports but this one. And I have disputed this many times and XXXX  keeps allowing them to re add it to my report. Just disputed it and XXXX  sided with IC Systems. I have had this removed many times off my report and XXXX  keeps letting them re add it. I do not owe XXXX it has been cleared up long time ago and this collection company needs to leave me alone about it and stop messing my credit score up.
Product: Credit card or prepaid card

I called Care Credit by synchrony bank. I called in because I have a STELLAR payment history. I ran into an issue this month and called in to get relief for one month to get my account updated. I spoke with a very rude rep who said her name is XXXX and her manager is XXXX. When I asked for help with late fees and payment she told me my ONLY OPTION IS TO CLOSE MY ACCOUNT. She did not offer anything else except to close my account. I am absolutely shocked that synchrony bank would treat their good customers in that way. I have a perfect payment history and just ran into an unexpected expense and XXXX said there is no options for clients. If I do take one option that they offer, my account will be closed. This does not see right that a big company does not offer one month of help. I want the CFPB to know what they are doing. They threaten and do not offer any type of relief even for a month
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Equifax requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.
Product: Debt collection

On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.