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 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 ( 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 for these violations.
Product: Checking or savings account

writing to formally report unauthorized transactions and theft of services associated with my account. On XX/XX/year>, three fraudulent transactions were made using my payment method without my authorization. The details of these transactions are as follows : Transaction ID : XXXX | Amount : {$35.00} Transaction ID : XXXX | Amount : {$4.00} Transaction ID : XXXX | Amount : {$4.00} Total Amount : {$45.00} These charges were made without my consent, and I did not receive any goods or services in exchange. I reported this issue to my financial institution on XX/XX/year>, and have since filed a formal dispute. As part of their investigation, I am now reaching out directly to XXXX to request the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Mortgage

Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.
Product: Debt collection

On XX/XX/2022 I filed a complaint with the XXXX  regarding Stillman Law Offices attempting to sue me over an invalid debt. In the complaint, I demanded a cease and desist and also noted any further communication would result in myself filing complaints to the CFPB and the MI Attorney Gener. Stillman Law offices has now filed suit against me and I am moving forward with my actions. In addition to this complaint, I am making another case with the MI Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notice on my complaint filed XX/XX/2022 CFPB # XXXX that the company needs 60 days to respond and or investigate my complaint. This is unacceptable and a violation of the FCRA which states they have 30 days to respond.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an airline ticket with XXXX using my American Express Credit card for the amount of {$130.00}. Due to the COVID-19 regulation that was imposed in XXXX at the last minute, I had to cancel my ticket and requested a refund from XXXX. XXXX agreed to refund the amount, however, I was offered a credit for me to use in future flights. I then called XXXX and explicitly ask them to refund the amount, that I do not accept a credit however they refused to do so. I told XXXX that based on their policy currently published on their website regarding XXXX XXXX waiver, all tickets bought after XX/XX/XXXX and voluntarily wanted to change had the option to request a refund, however, they refuse. I then contacted American Express to file a complaint, I provided them with the policy and the website for them to verify the " Flexible Travel Waiver '', XXXX : XXXX however Amex said that I am responsible for the charge because XXXX provided them with another policy.
Product: Debt collection

I've reached out to this company several times to try to get validation of the claimed debt. I have no contract with this company I have never did any business of any kind with this company yet they are reporting this inaccurate information on my credit report with no validation or reason why see attached documents :
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need these in authorized Inquiries removed from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O oXXXX the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Explanation of the issue : incorrect balance, outdated information, incorrect status. 

I believe this information is inaccurate due to the following reasons : incorrect information regarding the status of an account. 
I have made reasonable attempts to resolve this matter with the creditor, but they have not provided adequate response or correction, which constitutes a failure to comply with the duties outlined under Section 1681O of the FCRA. 

As required by law, I request that you conduct a thorough investigation into this matter and correct any inaccuracies, or delete the information if it can not be verified. If no resolution is found or the reporting is not updated in accordance with the law, I will take further action to ensure my rights are protected under the FCRA. 

Please notify me in writing with the results of your investigation and the actions taken to resolve this dispute. As per Section 1681i ( a ) of the FCRA, I expect to be informed of the outcome within the required 30-day period. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been asking for months to update the information in my credit report, I have called and sent letters attaching all the information that supports my data, but to date, they have not changed the erroneous information, I do not have an SSN, I only have ITIN XXXX  There have been too many months that I have been affected, this has limited my professional growth, causing me to lose money by losing opportunities. Additionally, they send me a report where they do not mention my personal information, only 02 sheets with 03 sides with information and the last one blank.
Product: Checking or savings account

Navy Federal has Allowed charges to post even when I didnt have enough funds to cover a charge then charged me an overdraft fee. They have done this consistently since I became a member in 2015.
Product: Student loan

Naviant has put an extra {$30000.00} on my loan saying thay I owe a total of XXXX. Since they took over my account all they would do is put a forberance on not fully telling me they 'll be charging all these fees. I only have a two year degree from XXXX college. Navient and XXXX XXXX are robbing students who attended for profit schools.
Product: Student loan

My loans are serviced by Aidvantage. In XX/XX/XXXX  and then again in XX/XX/2023, I applied for the SAVE income-driven repayment plan. On both occasions, the US Department of Education approved my application. However, Aidvantage will not enroll me in the SAVE plan. 

I contacted Aidvantage, asking to be enrolled in SAVE. Per their instructions, I applied through them ( even though I had already been approved by the US Dept of Ed ). Aidvantage put my loans into a temporary grace period while they reviewed my application. They did not approve my application and yesterday I received a notification that they are adding {$6600.00} in interest to my loan balance, increasing my balance from {$27000.00} to {$34000.00}. 

Is this legal???? 

If the US Department of Education approved me for the SAVE program, can Aidvantage refuse to enroll me in it? Can they increase my balance so substantially overnight? 

Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert indicating that someone applied for a credit card with CB INDIGO in my name. I immediately attempted to contact CB INDIGO, but they were closed. I have since filed a complaint and submitted an FTC Identity Theft Report. Please remove this inquiry from my record, as I did not apply for a CB INDIGO credit card and this application is not mine. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to let you know my concerns of zelle. Despite using zelle many times & reporting discrepancies thru Zelle they failed to investigate my problems
Product: Debt collection

XXXX ( XXXX ) XXXX I received a call from the above listed number numerous times every single day for several days. Every time I answered they would represent themselves as a law firm but clearly try to hide the fact they werent a real attorney stating that if I didnt pay them money over the phone a lawsuit would be filed against me. They would not give me written notice about any debts either. When I asked if they were a collections agency attempting to collect a debt they stuttered repeatedly and tried to claim they were a law firm and they handle different matters. When I asked for proof of the debt they said theyd file against me in court since I wouldnt pay and hung up abruptly. After doing a search online it seems this debt collection company possibly with the name Unity Assets or something similar uses these tactics to scare people in to giving them money over the phone.
Product: Debt collection

Some company named IC System just reported a {$440.00} collection account on my credit report. Before this account showed up on my report, I was not contacted in any way by IC System. If this was a legitimate collection, they are supposed to contact me first with a 30-day notice of my right to dispute, and give me 30 days to address the item, before they report it on my credit report. However, I was never given that opportunity. This is a violation of my rights under the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to view my credit report for Experian and XXXX and it keeps saying every year I have to mail in stuff when I never got to see the information on report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is Rocketmortgage.com/Quicken loans. I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I  believe XXXX  is the only creditor but I could be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IhaveanaccountonmyfilethatisnotmineIfiledafraudalertmonthsagowiththecreditbureausIfiledapolicereportaswelltohavetheaccountdeletedfrommycreditreport.Pleaseseeattacheddocuments.Pleasedelete/removethefollowingaccounts:XXXX/XXXXXXXX#XXXX,XXXX/XXXXXXXX#XXXX,XXXXXXXXXXXXXXXX(XXXX)#XXXXPLEASEUPDATEMYCREDITREPORTASAP!
Product: Debt collection

In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was Continental Finance Company. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.
Product: Credit card or prepaid card

The only way I was able to pay the bill was through the app and at the time the app wasnt working correctly. They even sent me links to use and I screen recording the link not working and emailed them to them. They told me they was not allowed to take payments over the phone which was unusual to me. So in the process my credit had to suffer, I have reached out to them to pay the balance do on the card but I feel like since it wasnt my fault that I couldnt pay on time that they should fix all negative payments and they told me no.
Product: Checking or savings account

I deposited XXXX At the XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  at penfed they close my account in kept my money i never got my money back