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 redress ( 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 proc 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

Banner Bank manager who closed my debit card for 5 disputes in 8 months never sent my closing balance. They knew I was moving. I never received the check and Banner refuses to do a direct deposit or wire transfer. {$850.00} was never received.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have for the past six years taken my payroll checks that are drawn against US Bank to cash. I have always given my finger print and valid driver 's license with no problems cashing the checks. I work for a XXXX XXXX XXXX  and they Bank with US Bank. There has additionally always been a fee to cash the checks which I have not questioned paying. 

Recently I was asked to provide my social security number, phone number and asked what I do for a living. I asked why I had to provide these and was told by the bank manager that the Federal Government is now requiring this information in addition to the above listed requirements. I was also told that this information was being imputed into a data base. I was very uncomfortable giving out my social security number. And further more uncomfortable having to say it out loud with a line of people behind me. 

I have done some research by looking up the FDIC law and regulations under Part 1020-Rule for Banks. Everything I read within the Rules Section 1020-100 through 1020-500 indicates that the bank is to collect this additional information when a person is opening an account. It clearly states in section 1020.220 ( 2 ) i " An account does not include a product or service where a formal banking relationship is not established with a  person, such as check cashing, wire transfer, or sale of a check or money order. 

Additionally under section 1020.410 ( b ) 5 " Records to be made and retained by banks '' 1020.410 ( b ) 5 clearly states : The rules and regulations issued by the Internal Revenue Service under section 6109 of the Internal Revenue Code of 1954 shall determine what constitutes a taxpayer identification number and whose number shall be obtained in the case of an account maintained by one or more persons. ( Again a rule for account holders which I am not ) Furthermore 1020.410 ( c ) 3 states that a record of a persons tax payer identification ( social security number ) should be retained by the bank if " Each check, clean draft or money order drawn on the bank or issued and payable by it, EXCEPT those drawn for {$100.00} dollars or less OR those drawn on accounts which can be expected to have have drawn on them an average of at least 100 checks per month over the calendar year OR on each occasion on which such checks are issued and which are : 3 ( ii ) Payroll checks 3 ( vi ) checks drawn on government agency accounts.

My checks are exempt from being required to provide my social security number under these exceptions 1020.410 ( b ) 3 ( ii ) and 1020.410 ( b ) 3 ( vi ).

I believe that US Bank is misrepresenting and wrongfully enforcing the FDIC regulations by requiring a person to provide their social security number and career information. I was told that if I did not provide both of these in addition to my valid driver 's license and finger print they would refuse to cash my check.

Thank you for looking into this complaint. Any feedback would be  appreciated. 

The Bank manager 's name is XXXX XXXX. phone number : XXXX The Bank was the US Bank - XXXX Main Branch
Product: Credit card

I changed my billing from mail to electronic approximately XXXX months prior to this incident. I was receiving my bills monthly and always making payments on time. In XXXX of XXXX, Bank of America did not send me any emails with billing information and then began sending me physical mail bills through the XXXX XXXX. The first physical bill that I received was a late notice of payment. I called Bank of America immediately and told them that I did not receive any electronic bills or notifications since XXXX. When they checked their system, they told me that they had a different email address on file than the one that was being used when I signed up for electronic billing. The individual corrected the email account and then credited my account for all late charges and interest and paid my credit card in full to make sure that it was in good standing. The problem was completely on Bank of America 's end, their system did not send me the bill for XXXX, which is why the payment was late. 

My credit score as of XX/XX/year> was XXXX, my score is now in the mid XXXX 's. I always pay my bills on time and have never had an issue like this. This is unacceptable. I have contacted Bank of America asking them to correct their reporting with the credit agencies because they caused the billing error. Each time I called, they sent me a later several weeks later stating that they researched the delinquency and did not find any errors. This treatment of customers is unacceptable and my credit rating should not be suffering because of their errors. Can you please help me by having Bank of America report to the credit agencies that the missed payment was their fault and that my credit score should not be effected because of errors caused by Bank of America.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Discover Bank for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against Discover Bank regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with Discover, XXXX, XXXX, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, Discover Bank continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Debt collection

I am a victim of identity theft I have a item on my credit report for security credit services in excess of XXXX dolllars
Product: Credit reporting or other personal consumer reports

I discovered an inaccurate debt on my credit report related to a lease at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, during which I had no association with the property. I provided XXXX XXXX XXXX XXXX with a police report, my actual lease agreement ( XX/XX/XXXX - XX/XX/XXXX ), my move-out statement showing a XXXX balance, my photo ID, and proof of residency to demonstrate that I am not responsible for this debt. Despite this, they continue to report the debt without conducting a proper investigation. Their dispute responses are automated and do not address the evidence I provided. I believe this is a case of identity theft, and I am being wrongly held accountable for a debt that does not belong to me. Ive provided all information to Experian as well and get an automated response stating my dispute is closed without proper investigation notes or feedback.
Product: Debt collection

Aldus And Associates contacted me with regards to a debt owed to a health club in another state which I do not reside in. In addition to contacting multiple times, they have never provided any written notification or email within 5 days of first contact and have also threatened me with damaging my credit should the debt not be payed immediately. I have been contacted by the numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX and not once have they identified themselves prior to requesting credit card information.
Product: Money transfer, virtual currency, or money service

Ive sent money to the wrong person twice on accident. I called Zelle and they said they couldnt do anything about it and couldnt view it either on there end even if I had the transaction number. Called my bank to see if they could do something and said it was all up to Zelle. Never resolved anything but I now see with the current lawsuit Im not the only one this has happened to.
Product: Checking or savings account

I mailed my {$2800.00} rent check to my landlord on XXXX  On XX/XX/XXXX someone cashed a check that had been washed with a new recipient ( unknown to me ) for {$4800.00}. On the XXXX XXXX XXXX XXXX XXXX fraudsters have added tacky stuff to postal boxes so they can intercept mail. My landlord notified me at the end of the month that I was late on rent ( I was returning from maternity leave ) and I saw the fraudulent check and promptly alerted Chase. They opened an investigation, but sent me to the branch to close my account. The fraudster continued in XXXX to attempt to cash additional checks to my closed account, but I alerted Chase quickly whenever I saw the transactions. Despite my account being closed 1 or 2 checks still posted and I had to speak with Chase reps to get the funds reimbursed. Chase is working with the other bank and I've submitted documentation at their request on multiple occasions. Reps have confirmed that I should just wait and it can take over a year to be resolved, but I'm afraid the statute of limitations will run up soon and Chase will claim they aren't liable if the other bank does not respond. The last letter regarding this investigation was in XXXX ( fairly recent ), but just says it's in the other banks hands and Chase is not liable for the funds.
Product: Credit card

I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.
Product: Checking or savings account

On about XX/XX/XXXX I noticed several unauthorized charges made on XX/XX/XXXX, XXXX, & XXXX. On The same day I had my card canceled and submitted disputes for all 49 charges. The Current customer support team member asked had my card been stolen I advised him, No that I still had my card. So I received an email about each of the disputes on XX/XX/XXXX stating that the disputes had been completed and based on the facts of the investigation, they concluded no error occurred, therefore no credit would be issued, and that this matter is considered closed. I emailed them back letting them know that I didnt make those purchases, have no idea who could have, and that I was already in a bind on money and could barely make ends meet as it was and now {$2200.00} was just took from me by some place Ive never even been to, nor heard of. That money was needed and I was counting on it to pay my rent and bills that were due. Im a single mother of 4 children and work my tail off everyday trying to keep a roof over our heads, so for this to happen and nothing I could do about it, it really hurt me financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XXXX {$0.00} {$0.00} {$0.00} XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XXXX {$0.00} {$0.00} {$0.00} XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating XXXX XXXX in XXXX!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on XXXX Equifax XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,
Product: Checking or savings account

from the Date and time XXXX XXXX time Bitcoin platform on the block cash app took XXXX from my stock account and i have yet to receive any withdrawal in its call BTC
Product: Checking or savings account

I am being DENIED my legal right under MASTERCARD rules and regulations file a dispute on the following charges here are the Transaction ID 's : XXXX, XXXX, XXXX within the allotted 120 days. 

So to summarize, I am being barred from filing the transaction dispute in the resolution center so I am coming to CFPB ( Consumer Financial Protection Bureau ) to timely alert and file my dispute on these charges that do fall within the 120 day Mastercard window and also the 90 day window provided by law. 


" Regulation E mandates that provisional credit be offered within 10 days of a disputed charge and while offering a TIMELY PROVISIONAL CREDIT to account holders is crucial to improving customer experience, not all situations call for immediate provisional credit. ''
Product: Credit reporting or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX acct # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used
Product: Checking or savings account

I went to the branch to withdraw {$1100.00} and the branch manager was at the teller area when it was my turn in line. She asked me how she could help and I asked to make a withdrawal of {$1100.00} as I handed her my ID. She asked me if I had a debit card and I said that I did not because I didn't have a checking account there. She asked me what brings me " up this way '' and I said that I work in XXXX XXXX ( a borough in PA less than XXXX mile away ). She asked me for my full social security number and I gave it. She tired sending me a code to a phone number that wasn't on my account ending in XXXX - XXXX explained that I didn't open the account at Citizens, that it was bought by Citizens from XXXX and it must have been from a legacy system when they did the transfer as it was my parents ' phone number when I was a kid. I asked her to complete the authentication procedures so I could make my withdrawal and be on my way. She said she couldn't. I asked why not and she said she didn't have to explain herself to me. I asked her why a drivers ' license, full social security number, and account number wasn't sufficient and she said she doesn't have to explain her system to me. She said that I had no signature on file. I said that I know I did because I had signed transaction slips there before and that I know they take electronic images of multiple checks I deposited there with my endorsement on the back. She said my behavior was abnormal and I said there's nothing abnormal about it and I said she needed some better training. I asked to speak with her boss and she refused. She later said she had no way to contact her/him. I said that wasn't plausible and then she said that she could put a request in for me to be called back. I asked her to do so. She asked for my phone number and I gave it. She then said I'd be called back in XXXX hours. I said that wasn't acceptable as I wanted a single-visit resolution to the issue. She said that isn't how it works and that she won't do the withdrawal. She then kicked me out of the branch ( and I left ).
Product: Credit reporting or other personal consumer reports

XXXX abruptly canceled my credit card with no explanation via letter and mentioned account will be closed. The account was set up on auto payment, they failed to process the last payment and I never received any past due notice or calls that it was past due. 

I have a history with chase where they have cancelled by Business/Personal accounts without logical explanations. The account currently reflects a credit balance, which is confusing given their abruptly cancelation with zero explanation. This is wrongdoing to cancel accounts with no explanation and not collect final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I received a notification via E-mail from Wells Fargo stating, " We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement ( OAA ). '' I closed the only two accounts that should have been opened with Wells Fargo during XXXX of XXXX due to their unfair, deceptive, and abusive practices towards consumers. Upon receiving e-mail notification today I was worried that I had become a victim of fraud. I called the Wells Fargo customer service line, spoke to a fraud representative who works solely in the depository side of the bank, and saw that my accounts had been closed in XXXX  of XXXX ; however, my online banking access was still turned on. She stated that she couldn't turn the online banking access off that I would need to call the online banking fraud group to get the online access turned off. 

My biggest concern now is that Wells Fargo automatically opted me into using XXXX, per Wells Fargo 's press release of XX/XX/XXXX that Wells Fargo customers would have access to XXXX on XX/XX/XXXX and XX/XX/XXXX. I want to know why I was opted in to a service that I do not use on accounts that had been closed well over a year before the Service was adopted for use by Wells Fargo consumers.