23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am submitting this complaint again after countless attempts to receive help resolving this with no success. I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. On XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. On XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : Hello XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. We appreciate your patience throughout the dispute process. Cash App Support ref : XXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds. 

Cash app has responded to this complaint by saying that they can not verify my identity yet. I literally still have the cash card that they sent me SHOWING MY CASHTAG ON IT AND I AM THE OWNER OF THAT ACCOUNT. The card has my name printed on it with and it was sent to my home address and they had me scan my license and prove identity BEFORE USING THEIR PRODUCT. therefore, I would've already had to have my ID verified and they are just giving me the runaround to not pay me. The funds that are rightfully mine. I have included a photo with the cash card in MY NAME in the attachments please see. I needed to give them my license for a facial biometrics and other identification purposes before being able to use the service. They also claim in their privacy policy that they collect information like Social Security numbers in order to verify identity. I have agreed to provide any necessary and or additional documentation in order to provide verification of identity. They continue to brush off my complaint and vaguely referencing their privacy policy, which I have read over many times. I want my money that is mine that was stolen from me, and that I claimed in a dispute, and it was won in my favor. Those phones are sitting in my old Cash App account which they will not allow me to access even when I have a greed to provide any and all information to verify ID. I need help with this case, and this is my only way to get cash app to respond directly. Please please someone from consumer finance agency help me with this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions
have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never heard of this company nor did i authorize my credit to be ran. Ive contacted them with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1.High balance, 2. Last activity and 3. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXXXXXX Last activity XXXX XXXX  Last payment XXXX XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting or other personal consumer reports

Pursuant to Consumer Protection for Medical Debt Collections Act, XXXX  account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ChexSystems, as I believe they have failed to perform a proper investigation regarding an account that was inaccurately reported in my name. This matter was initially disputed on XX/XX/year>, and despite providing ChexSystems with a court document showing that the account in question is the responsibility of my ex-spouse and not mine, the investigation was not conducted in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

To provide you with the full context : Account Disputed : The account reported by ChexSystems ( XXXX XXXX XXXX XXXX ACCT # XXXX ) does not belong to me, along with the inquiries from this facility for I wasn't aware my report was being run and I provided them with clear evidence, including a court order CASE # XXXX, explicitly stating that this account is the responsibility of my ex-spouse. 

Failure to Investigate Properly : Despite the documentation provided, ChexSystems has not conducted a reasonable and proper investigation of the dispute. Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), when a consumer disputes an item on their report, the reporting agency is required to conduct a thorough investigation within 30 days of receiving the dispute and to promptly correct or delete inaccurate information if it is found to be erroneous. 

Non-Compliance with FCRA : The FCRA mandates that when a dispute is filed, the agency must complete an investigation and provide the results of that investigation, including a description of the steps taken. ChexSystems ' failure to properly investigate and address the dispute constitutes a violation of these provisions. 

Legal Precedents : Additionally, there are several ongoing lawsuits and rulings that have highlighted the serious consequences of reporting agencies failing to conduct reasonable investigations. For example, XXXX v. XXXX ( XXXX XXXX. XXXX ) and XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) both underscore the importance of proper dispute resolution and investigating claims thoroughly, especially when court documents are provided to dispute erroneous information. 

Due to the failure of ChexSystems to comply with the FCRAs requirements and perform an adequate investigation into this matter, my financial standing has been negatively affected. I request that you assist in escalating this matter with ChexSystems so that the inaccurate account is promptly removed from my report and that ChexSystems conducts a proper, thorough investigation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Debt collection

I received a letter from Continental Services Group LLC claiming I owe {$230000.00} and offering settlement options. I think they are the same company who have been calling according to my wife, whom as asked them to stop on numerous occasions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To whom it may concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect NAME : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate these items and remove them from my report. I understand that you are required to verify these items with the relevant creditor. Any information that the creditor can not verify should be promptly removed. I am aware that, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 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. 



Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

For some time I have wanted to pay the XXXX XXXX XXXX XXXX ( Comenity Bank XXXX for several reasons : XXXX ) Difficulty paying online from my bank XXXX ) Harassment by constant calls XXXX ) Very high interest rates and charges. 
On XX/XX/XXXX, I called the telephone system and was informed that my total debt was {$120.00} and I decided to pay it all to get out of this XXXX Last week I received an account statement with a debt of {$44.00} and when I call on Sunday, XX/XX/XXXX, the system informs me that it was {$85.00} ( XXXX and XXXX ). 
The court date told me that it was XX/XX/XXXX, so I don't understand why they don't check the debt data until that day, nor considering that I haven't used the XXXX in a long time. The payment date was the XXXX, because it was difficult to achieve, since you have to have about 30 minutes to pay, it was not the only date that I had to pay late. 
The amount of the charges that they included is greater than the minimum payment of the XXXX, so that way they have been charging money to my Card without my knowledge or authorization. 
For my purposes, pay the entire debt on XX/XX/XXXX. 
I received constant calls from Comenity Bank, at different times and several times a day, which I assumed was to offer me another XXXX. Normally, I don't receive calls that they don't have on record, so I don't receive them. The only way I could find out about the unauthorized charges to my XXXX was a delayed account statement until last week, otherwise they would continue charging their services, that is why I am making this complaint, because I want my balance to be cleared like I left on XX/XX/XXXX and not knowing more about Comenity Bank. In the same way, I hope that this does not affect my credit history, since I am a very responsible person since I have 3 additional XXXX that I use responsibly.
Product: Consumer Loan

We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.
Product: Credit card

I'm a victim of identify theft below are the list of unauthorized companies JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX  and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Debt collection

Hello, I have a {$410.00} medical debt that has been on my credit report. I have attempted to dispute the debt multiple times and it still in my report. The debt listed is from a vehicle crash on duty. I was taken to the hospital and the incident was listed as a workers compensation case. The company I worked was emailed and they have acknowledged via email the debt is theres and they will pay it off upon receiving a bill. I myself and my ex employer did not receive a bill.
Product: Debt collection

Collections agency was well aware it was paid, was told by me, the local doctors office, and the main branch of the hospital, but still reported it on my credit and costed me two loans that were gon na save my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my Experian and XXXX  that do not belong to me. There are also other content on my XXXX with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.
Product: Checking or savings account

On numerous occasions up to and including XX/XX/XXXX I have requested that the transactions in my account not be paid and be returned in an effort to XXXX out and close my account. Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed and that XXXX XXXX, ACTING AS AGENT AND AUTHORIZED REPRESENTATIVE, KNEW I WAS NO LONGER AFFILIATED WITH. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. Subsequent to the closing of my account, an employee and representative of First Midwest XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by First Midwest be  looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX. Additionally this has caused a negative impact to my credit reporting which I want corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.
Product: Vehicle loan or lease

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC on behalf of Toyota Financial Services XXXX entered my property without my consent, I had to jump out of my first floor window not knowing what was happening, I told the agent that he couldnt take my vehicle because it already has been paid in full and that I had no knowledge of the repossession taking place. Toyota Financial services has been receiving Legal tender payments since XX/XX/2023, but have refused my payments but has also failed to return payments. They have refused to provide the requested information. I was told by XXXX Agent that if I didnt hand him the key, my car was going to be taken out of state and I felt forced to give him the key to my vehicle but I was not able to take out my personal belongings due to the car already being on the tow truck. Toyota financial services was also provided with a UCC 11 search that proves they never filed a financing statement but still claims to be the owner of my vehicle. Toyota Financial services is in violation of MA General Law UCC 9-506, UCC 9-611 , UCC 9-612, UCC 9-613. Toyota Financial Services also failed to acknowledge that the vehicle was purchased for personal reasons and it could not be repossessed prior to court hearing as stated in the agreement.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  XXXX || Account Number : XXXX
Product: Mortgage

I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.
Product: Debt collection

I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report. 

They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.
Product: Payday loan, title loan, personal loan, or advance loan

Account is closed and would like it removed from my credit report.