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 30.8K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX XXXX  XXXX. My disputed account reporting on my XXXX, XXXX and TransUnion Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Product: Credit reporting or other personal consumer reports

It is saying I have accounts on my credit and I know I did not open them this is with out my knowledge and is affecting my credit and I reported it to TransUnion and they will not investigate
Product: Credit reporting

I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

As I was recently denied multiple accounts at several financial institutions, I contacted Chex Systems by phone to request detailed information about all security freeze activity on my ChexSystems consumer report, as per my rights under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to Section 609 of the FCRA, I am entitled to receive all information in my file at the time of my request. This includes, but is not limited to, the specific dates of any security freeze placements, temporary lifts, or permanent removals associated with my account. I specifically requested a comprehensive report detailing : The date each security freeze was placed on my account The dates of any temporary lifts of the security freeze The dates of any permanent removals of the security freeze Any other relevant dates or actions related to security freeze activity on my account I require this specific information in written form with dates regarding freeze activity to submit to the CFPB in support of a discrimination complaint as the financial institutions claim they are unable to verify my information due to a credit freeze, I intend to prove there has not been any freeze for the last several months however I require the supporting documentation from Chex Systems which they refuse to provide. Chex Systems provided a letter indicating the " current status '' of a credit freeze on my account there is no historical information provided.
Product: Debt collection

Portfolio Recovery Associates LLC keeps contacting me stating they are trying to collect on a debt ( Illegally ). They are unwilling and have been unwilling to provide to me the original source document for this debt, meaning a wet signature contract with my complete and full information on it. Unless they can supply this, and they have not been able to, then all collection activity must cease and desist. Any attempt to contact me again will constitute harassment and will be reported directly to the State Attorney Generals office in both VA and CO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

CEASE AND DESIST XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear PORTFOLIO RECOV ASSOC, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My direct deposit for my job has not been deposited. Pay day is XX/XX/year> with an early deposit the day before. Was also sent an email that funds would be deposited by morning on XX/XX/year>. It is almost XXXX Central with no update. No communication update has been sent out.
Product: Student loan

I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.
Product: Checking or savings account

I was the subject of accounts being opened fraudulently in my name. One savings and one checking account were opened on XX/XX/2020 at Wells Fargo Online. I am writing to complain because Wells did not require proper identification, no picture ID was required and Wells did not verify the information with me. Instead I received a letter stating congratulations on opening your new accounts. They did cancel the accounts after I called and complained. However these accounts should not have been opened without proper ID. Wells was derelict in this regard.
Product: Checking or savings account

On XX/XX/2021, I purchased a round trip bus ticket ( XXXX ) from XXXX XXXX, Texas to XXXXfrom XXXX to XXXX XXXX Texas. Unfortunately, I only used the bus ticket from XXXX back to XXXX XXXX, Texas on XX/XX/2021, not the bus ticket from XXXX XXXX, Texas to XXXX Texas for XX/XX/2021. 

Therefore, I requested a refund from the merchant XXXX which was declined. I reached out to BBVA USA to process a claim for the unused portion of the ticket which was over {$25.00}. And the BBVA also denied my dispute XXXX # XXXX ) which doesn't make sense. All consumers are entitled to a refund, especially if the ticket was unused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax about a few negative accounts they are reporting to my credit report that I want verified with proper documentation. All they keep telling me is it they were verified with no proof at all. That does not do me any justice. It just seems like a computer generated response and they are not following FCRA regulations. If they can't validate these accounts correctly then I need them removed. They are taking my letters serious and these unverified accounts are hurting my credit rating.
Product: Money transfer, virtual currency, or money service

I missing stocks an bonds some reason my personal information have overseas accounts in my name
Product: Checking or savings account

Greetings I, have a problem with my dispute on XXXX. 
I called your customer service number and stated the same day of this Transaction, that the seller did not send my product that I agreed to purchase. Same day and your agent said to request it back from the seller. Okay then your agent said I have to wait 10 days to see if I get my {$300.00} back. After the 10 days I called again and another agent is someone will call me or email me about the dispute. Then the next day I get an email stating your not A Bank. But I have ( Account # & Routing # ) So my request to CASH APP is A reconsideration for Refund of my money ( {$300.00} ) .I also WANT a AUTHENTICATED RECORD OF ACCOUNTING? please Provide Documents You have a FIDUCIARY DUTY, as a Bank to serve CONSUMERS. 
THIS account alone has is FDIC insured. There policy tells you that DEPOSITS are insured up to {$250000.00} per depositor, PER FDIC insured bank, and PER account ownership. Where is the TRUE BOND AGREEMENT ON THIS ACCOUNT ON CASH APP? 
You didn't EVEN TRY to resolve this issue. You just LET THIS SELLER TAKE MY {$300.00} and YOU LET THE SCAMMER GO FREE
Product: Student loan

In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. 

I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. 

This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!
Product: Credit card

I have a regular {$97.00} charge on my account from my chiropractor. I pay this off every month in full. I was offered 0 % interest for XXXX months so I borrowed approximately {$10000.00}. I was charged the 5 % transaction fee and paid it in full the very first month. I have been paying my monthly payment plus my payment in full for all purchases. However, Citizens is now charging me interest on my purchases the moment they are made for every day until my statement comes, even though I pay the purchases off every month, because I have a 0 % credit balance. Therefore I can no longer use my credit card for purchases without getting charged interest because I chose to accept a 0 % offer. My understanding is this is against banking laws and regulations. I literally have no time to make a payment from the moment the purchase is made on my card without being force to pay interest. This credit card has been rendered useless as a credit card at this point. This has to be illegal. Citizens Bank charges me instantaneously interest on each purchase before I even get a statement knowing the charge on my account was made. This practice was never done prior to this year with any other credit card with 0 % interest balance transfer " loans ''.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, the credit reporting agency , block and remove information from my consumer credit report that resulted from identity theft and fraud within 4 business days of receiving this complaint. I am deeply concerned about the inaccuracies on my report, which are detailed below. 

The fraudulent information includes five collections accounts and charge-offs : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing significant stress. I demand the removal of these fraudulent items from all my credit reports and the cessation of any collection activities related to these accounts, in accordance with my rights under FCRA and FDCPA laws. For verification, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX ) from the US Federal Trade Commission, confirming that these credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX  : {$4200.00}, XXXX  XXXX XXXX XXXX  : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting

In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take
Product: Checking or savings account

A previous complain was submitted and I asked  Wells Fargo to waive double fees charged on my account, fix error on my transactions and they responded that my checking account has a high credit of waived fees. I was n't talking about my Checking Account, I am talking about my Saving  Account which is currently overdrawn.   They have n't waive any fees on my  Saving Account. A check was misplaced by the Bank. They canceled it on my checking account and deposited on my Saving Account after have it deposited on both accounts because they did n't giv e me available balance for it. I used the check balance from my checking account and they took that used money from my checking account twice and transferred it to my saving account causing its overdrawn, meaning they took the money from my checking and also from my saving account, canceled the check deposited on my checking which was the place I used the money from and took money from my saving account also for that same check.   They also charged me fees for transferring available balance on my saving account to my checking account. {$35.00} dollars fees were accessed because I transfer money and they overdrew my account after that charging me fees for the previous transfer.   They removed my Saving account from my online account and now I ca n't give you proof because they are smart and sneaky and removed me from online access.
Product: Debt collection

We are paying XXXX XXXX Hospital in XXXX payments on a bill. There were two accounts on the total. When paying, early even, they kept applying the payments to the smaller account number even when it was paid. Therefore, the bigger charge went unpaid. When Central Portfolio Services called us, I then called the hospital to see why we were being called when payments were being made.They realized what had happened and said that they would rescind the collection. I even checked the following month and they said that they had rescinded it as they said they would. However, that charge is on my credit and Central Portfolio is not removing it. It says that it will remain there until XX/XX/XXXX. Central Porfolio is continuing with collection calls.
Product: Money transfer, virtual currency, or money service

Towards the end of 2020, unauthorized withdrawals were made from my checking and savings accounts through various methods, including ATM transactions, XXXX XXXX, and XXXX. 

The ATM transactions involved someone transferring money from my personal savings account to my personal checking account ( both with Chase Bank ) and then withdrawing the funds from the nearest Chase ATM to my residence. However, my debit card has always been in my possession and has never left my control. To my knowledge, no one else has access to my PIN or any other payment credentials with my permission. 

I reported the incident to Chase Bank, but they did not take my claims seriously and failed to properly investigate. Subsequently, I noticed XXXX transactions being sent without my consent to my husband. However, he never received these transactions. Despite providing proof to the bank that my husband did not receive the funds, no action was taken, and my account balance eventually went into the negative. 

Later, I discovered that a mobile payment account ( XXXX XXXX ) appeared to be set up using my banking information, even though I do not own or use XXXX devices. Despite filing multiple complaints with the bank, no resolution has been provided.
Product: Credit card

Four fraudulent charges on my Wells Fargo Visa card ending in XXXX charged at four different XXXX XXXX locations on XXXX XXXX. XXXX XXXX is closed. New card ending in XXXX was issued. 

Fraudulent Charges dates/merchant/amount XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charges were disputed and last letter dated XX/XX/XXXX from Wells Fargo stated charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed Several calls immediately after this letter to continue to dispute the charges were unsuccessful. I pleaded my case that I am a student living in XXXX XXXX. At the time of these charges I was in XXXX XXXX XXXX. 

Please help reverse these charges. I have never been involved in any fraudulent charges. I am a XXXX XXXX XXXX female student and can not absorb these blatantly fraudulent charges. 

Thank you for any assistance.
Product: Checking or savings account

Chase bank closed my account I had funds deposited to my account and the unemployment office showed me a letter saying bank rejected it but chase denied Amy transactions or rejections but the work force has showed me they have gotten funds back and should be available today or tomorrow the problem is I have been trying to fix this matter and I've been put on wild goose chase the bank can't seem to find my direct deposit more than one contact me asap XXXX asap I have not received my funds and it been 5 days ago since payments were released
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from Wells Fargo. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with Wells Fargo.