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 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Having problems undersatanding why my credit score wont reach XXXX after twenty years of services.
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 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within 4 days
Product: Checking or savings account

I am complaining about navy fed, making me pay for more then usual with overdraft fees, taking out longer when I know I have the founds in my account. I think its unfair and it aligns with the CFPB findings with navy federal
Product: Student loan

Rating decision from the Veterans Administration dated XX/XX/XXXX showing that I was granted XXXX and XXXX disabled on XX/XX/XXXX. However between the 2 periods stated above I had a XXXX Loan coming due for my Parent Plus Loan for XXXX XXXX for XXXX College in ( VA ) and XXXX College in ( XXXX VA ). Keep in mind when I refinanced the XXXX Loan with XXXX XXXX  I had no idea that I was being found XXXX and XXXX Disabled. One I found out I went to XXXX and asked for a discharge of the loan bases on the XXXX  and XXXX decision. They told me that they would put me on a year forbearance while looking into the matter. Well not only did they charge me over {$4000.00} in interest, but they said I was denied due to my income which they never asked me for until after the year of forbearance, so they could had saved me money right off the bat with asking for income info! And they said that I am not XXXX. Well they do not know of any of my XXXX that are XXXX me at times and will continue to worsen the older I get. I am being penalized for not seeing in the past and that I would be awarded the Permanent and Total decision. I would had never refinanced with XXXX if I knew what XXXX would do for discharging the loans. This loan repayment will be a hardship.
Product: Credit card or prepaid card

I was the victim of fraudulent charge activities on my Capital One VISA card and am disputing those charges to my account. This began on XX/XX/XXXX and I contacted Capital One that day. They removed the charges, froze my card, and issued me a new card. I thought all was good at that point.

However, additional charges came in on XX/XX/XXXX and were placed on that new card number I had not even received yet. When I contacted Capital One again on XX/XX/XXXX, they seemed to be considering these disputes of transaction I made instead of fraudulent transactions made by someone else. They sent them to Disputes who later rejected my dispute. I formally challenged this dispute resolution on XX/XX/XXXX via FAX, but I never heard back from them On XX/XX/XXXX there was another fraudulent transaction to XXXX XXXX. Again, I called Capital One and they asked me to call the vendor to get the charge removed. That is impossible because I don't know who did it, what address they received service for, and they could not track the transaction by credit card number. 

On XXXX XXXX, I summarized this entire event to Capital One in writing to their postal address for billing errors. I still have not heard back from them.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Hotel and travel ) XX/XX/2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX XXXX, 2023 Experian XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXXXXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights unde

r 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if 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

I have previously sent my Identity Theft Report to Equifax on XX/XX/2018 to block fraudulent accounts and inquiries reporting on my consumer file. Equifax has ignored my previous disputes and have I have requested the help of the CFPB to make sure Equifax complies with Federal Law. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  transunion and XXXX XXXX XXXX XXXXXXXX XXXX is committing interstate fraud, illegal activity, and violation of federal law, maryland, texas and XXXX XXXX XXXX  law. they are destroying a XXXX veterans health and causing him to be XXXX and are legally liable for their actions. they are ILLEGALLY and fraudulently inserting a false, fraudulent collection that is false and fraud that I do not owe and have never owed on my credit report AND IS not MY ACCOUNT AND I DO NOT OWE!! THIS IS is a fraudulant illegal collection account that I DO NOT OWE And AM NOT REPSONSIBLE FOR!! XXXX XXXX XXXX AND TRANSUNION ARE VIOLATING FEDERAL AND STATE LAW AND HAVE BEEN REPORTED TO THE ATTORNEY GENERALS OF DC, TEXAS, AND ILLINOIS, AND CALIFORNIA, WHERE TRANSUNION HEADQUARTERS ARE LOCATED. I HAVE ALSO FILED MULTIPLE XXXX COMPLAINTS AGAINST THESE COMPANIES, AND HAVE THE STATES ATTORNEY GENERALS INVESTIGATING YOU FOR FRAUD!! I DO NOT OWE THIS COMPANY AND THIS IS FRAUDULANT AND ILLEGAL. REMOVE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELY TRANSUNION and XXXX OR I WILL SUE YOU FOR FRAUD, PAIN, SUFFERING, EMOTIONAL DISTRESS, XXXX AND MY MEDICAL BILLS. YOU ARE PREVENTING A XXXX VETERAN FROM BEING HOUSED AND FOR THAT YOU SHOULD BE SUED AND YOUR DIRTY XXXX, XXXX, FCRA LAW VIOLATING, CORPORATE LEADERSHIP THROWN IN JAIL!! YOU ARE DESTROYING A VETERANS LIFE YOU XXXX XXXX XXXX XXXX!!! REMOVE THIS ITEM FROM MY CREDIT REPORT IMMEDIATELY!! IT IS FRAUD, NOT VALID, ILLEGAL, FALSE REPORTING AND A FRAUDULANT ILLEGAL ACCOUNT!! TRANSUNION IS VIOLATING THE LAW AND DID NOT PROVE THIS FRAUDULANT ILLEGAL ACCOUNT BEFORE PLACING ON MY CREDIT REPORT TODAY. THIS FALSE ILLEGAL FRAUDULENT ITEM IS ALSO WELL OVER 7 YEARS OLD, EVEN IF IT WAS LEGITIMATE WHICH IT IS NOT, IT IS FALSE, ILLEGAL, AND FRAUDULENT. this alleged account is allegedly from XXXX XXXX and I do not acknowledge this alleged false illegal item on my credit report. im a XXXX no income no assets veteran
Product: Debt collection

Attempting to collect XXXX for a cable bill. Documentation provided shows a bill dated XX/XX/18. Owed XXXX which was a previous balance. On XX/XX/XXXX charges of XXXX for equipment charges. On XX/XX/XXXX equipment was returned and an adjustment was made for {$590.00}. Leaving a balance of XXXX. Convergent has continued to validate debt that is not owed and provided proof from all the bills.
Product: Credit card or prepaid card

I am contacting you about the compromise of my social security number. I am a victim of Identify Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed below : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and fraud has occurred involving my personal information Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2 I formally request a fraud block to be placed on my credit report. Accounts listed as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Previously submitted information related to the XXXX XXXX, XXXX for alleged medical charges that have yet to be substantiated with the appropriate documentation from the organization that is affiliated with XXXX XXXX XXXX in Georgia. 

I have now been contacted by Superlative RM of XXXX XXXX, California demanding payment. Superlative RM is a debt collection agency, and I have also notified them this debt has not been substantiated.
Product: Bank account or service

I just learned today that Chase is closing the bank account of the XXXX XXXX XXXX ( XXXX ) after we had been with them over 12 years. They did not close my other XXXX accounts, XXXX of which is the XXXX XXXX XXXX XXXX of XXXX XXXX. 

They refuse to tell me why they closed the account saying and I quote the person I spoke with a XXXX XXXX XXXX : " We have the right to not give out the information on why we are closing your account. We have conducted a review of each and every account and have found that somehow we find risk and it is our right not to tell you what that risk is. The decision made by entire Chase company. I did not make the decision. We can not tell you who in Chase made the decision to close your account. '' We do not sell, distribute or in any was deal with XXXX itself. We are an XXXX patient support group and law reform organization that works within the legal and political system to end XXXX prohibition. 

Chase Bank seems to believe they have the right to deny financial services to a person because they disagree with their political position on a legal issue. I wonder if a federally chartered bank can deny financial services for that reason. They could not do it for race, ethnicity or religion. Is this a free speech violation of the first amendment for a federally chartered bank to do this? 

I am not the only XXXX to have this happen. XXXX had all its credit card processing accounts closed for the same reason last week. 

The question is why are so many financial institutions doing this as we are doing nothing illegal. Is this their own decision to undermine us or is some backroom power ( law enforcement? XXXX? ) putting pressure on them to pull the financial rug out from under the XXXX movement?
Product: Credit card or prepaid card

XXXX I noticed two fraud charges, same amount, same date for a service I did not purchase. Wells Fargo Bank My biggest problem is my bank is penalizing me for the charge back. Without my request, they simply turned off that credit card. My problem is I have many vendors with whom I have provided that card number for recurring charges. 

Now, because I exerted my rights, I have to spend XXXX XXXX tracking down my vendors in may lose vendors. This could cost me greatly. 

I did not request the cancellation. I ask that Welks Fargo not charge back the fraud if it was going to burden me. 
They shut me down. 

I need help
Product: Checking or savings account

1. XXXX I deposited a personal check for {$9500.00} in my Capital One 360 Checking Account via a Mobile Check deposit. 
2. The Check I deposited into my Checking account was drawn on a Capital One Checking Account. 
3. XXXX  I received a notice from Capital One that stated the funds from the check the I deposited would be held until XX/XX/. 
4. XXXX I reviewed Capital One 's policy concerning the availability of funds from the deposit of a check drawn on a Capital One Account into another Capital One Account. The website said the funds would be available the next business day. 
5. XXXX I spoke with several customer service reps at Capital One in an effort to resolve this matter. 
6. All of the reps refused to verify the funds from the Check I deposited, even though it was drawn on an account from the same bank. 
7. The Check that I deposited was written by my sister who also banks at Capital One. The money for the check was removed from her Capital One 360 Checking account on XXXX 
8. My sister was present during my phone calls with Capital One. She explained that the {$9500.00} was removed from her account. There was no reason to hold the money. The funds were verified. 
9. Several calls to different account managers failed to provide me an answer as to why Capital One was holding my funds. Funds they could verify. Funds they knew were available. 
10. I was told by several reps that they could not tell me why my check was being held because it was private information.
Product: Mortgage

The home was purchased in XXXX and Cross Country was the mortgage company that is carrying our VA loan. Starting in XXXX, my wife became XXXX and unable to work from a work place injury and as a result our household income dropped significantly. I had contact Cross Country on numerous occasions to see what help could be provided and they said there would be an application process that would take 45 days or longer, so rather than wait and become further in the arrears on payments, I took out a 401k loan in XXXX and again in XXXX to pay the entire arrears balance in full, but Cross Country continued to add fees, such as late fees and most recently, they were given 3 payments on separate days in XX/XX/XXXX and they did not reconcile their payments received and attempted to debit our bank account for a fourth payment when there was no fourth payment because the account only required 3 to make it whole and current, so another NSF was added to our account. The total of all of this is over XXXX dollars in fees. I'm a XXXX veteran who is trying to ensure my payments are made on my home and this is what the mortgage company chooses to do to me.
Product: Debt collection

XXXX XXXX sent me to collection but I never had XXXX in my life > I am XXXX customer for 12 years.
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 USC 1681. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 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: Mortgage

I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. 
The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.
Product: Credit card

Recently, I noticed a charge of {$13.00} labeled as interest fees on my American Express card, associated with Transaction # XXXX. This charge was applied in error, as it appears inconsistent with prior communications. 

Details of the Issue : Date of Charge : XX/XX/XXXXXXXX  Amount : {$13.00} Transaction Number : XXXX Actions Taken : On XX/XX/XXXX, I paid my full balance, including {$66.00} in interest charges, as reflected in the statement ending XX/XX/XXXX. Before making this payment in full, an American Express agent assured me that no further interest charges would be applied. Based on this assurance, I paid the full amount to avoid any trailing interest charges. 

When I noticed the {$13.00} interest charge, I contacted American Express to resolve the issue. During this call, I opened a case ( Case ID # XXXX ). After several follow-up calls, I was informed that while the prior agent had provided me with incorrect information, the company could not resolve the issue. 

Unsatisfied with this response, I insisted on finding a resolution. After further discussion, the representative opened a new case ( XXXX ID # XXXX ) to investigate the matter. 

I kindly request a review of the {$13.00} charge, given that I had paid the previous balance in full, including all accrued interest, based on the assurance provided by an American Express agent. The conflicting information and the acknowledgment of error suggest this charge may have been applied inappropriately. If this is the case, I would appreciate a refund of the {$13.00}.

To facilitate the review, I have attached my bank statement for your review, which confirms my payment history and balance details. 

Thank you for addressing this matter. I look forward to your response and resolution.