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 redress appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

( XXXX ) I opened a Citibank Regular Checking account on XX/XX/2022, which had a sign-up bonus of XXXX after a customer deposits XXXX and holds the funds in the account for 81 days. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX via an ACH transfer from " Institution A '' and another XXXX via an ACH transfer from " XXXX XXXX '' to met the deposit requirement of XXXX for the bonus. 

( XXXX ) On XX/XX/XXXX, I linked the Citibank Regular Checking account to " Institution C, '' my main bank account, so " Institution C '' made ACH transfers of XXXX and XXXX on XX/XX/XXXX for account verification purposes. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX from " XXXX XXXX '' into the Citibank Regular Checking account. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I attempted to withdraw XXXX, the amount that is not needed for the XXXX account balance for the sign-up bonus, from the Citibank Regular Checking account and deposit those funds to " Institution B. '' As shown in sections ( 2 ) and ( 4 ), Citibank readily accepted deposits via ACH transfer from " Institution B '' on XX/XX/XXXX and XX/XX/XXXX. Given that the Citibank Regular Checking account and " Institution B '' seemed to be connected and accepting ACH transfers, it seemed reasonable to expect Citibank would transfer the funds to " Institution B '' without issue. 

( XXXX ) On XX/XX/XXXX, " Institution B '' informs me that there was a failed transfer to my account. Surprised, I attempt to log onto the online account dashboard provided by Citibank. When attempting to log on, the Citibank website instructs me to call customer service with " Error Code MFA. '' On XX/XX/XXXX, I call the supplied Citibank customer service number and while speaking with customer service, I am given an additional Citibank number to call to learn more about my account. 

( XXXX ) On XX/XX/XXXX, I call the new Citibank customer service number and eventually am informed that my account with Citibank has been terminated and no additional information will be provided over the phone. I call the same number again to attempt to confirm that my account has a balance of XXXX and learn if the funds will be returned to me. Citibank customer service refuses to provide any information to me regarding any account information, which leads me to believe that Citibank is keeping the funds that remained in the account or has no intention in helping me locate the funds and their eventual location.
Product: Credit card or prepaid card

I Filed Dispute with Bank of America credit card services on XX/XX/2022 for amount of {$280.00}. Afterwards, they Asked me to submit all the supporting documents for response, and which I did my full cooperation and waited for about a month and dispute closed with claim not paid result came back. Initially, I intended to order some furniture with merchant in may and shipment never arrived, and I was told item to be arrived in 2 months. But nothing ever showed up and therefore I decided to file dispute on the transaction with Bank of America
Product: Debt collection

I made several attempts to verify the amount owed to GENESIS CREDIT MANAGEMENT. According to my records I owed XXXX $ as the back rent was paid by the state of Colorado, and the Apartment complex signed an agreement to write off any and all late fees and legal fees. 
Requesting On XX/XX/2023 I sent a Debt Validation letter, and they responded with a move-out letter with a ) balance unsigned by me, and an expired lease. They did not answer any of the questions below : Was this Debt assigned to a Debt Collector or Purchased? 

- Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

Have any judgments been obtained by any creditor regarding this account?

Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : I also sent a cease and desist and removal from my credit report as as they have no legal right to collect this debt
Product: Debt collection

I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. This is pure spite because they probably already bought the debt before I paid it off with the original vendor and they lost money. I have immaculate credit. How do they get away with a " new '' {$0.00} balance account? This only would hurt a consumer who paid their bill.
Product: Debt collection

They call from a blocked number. I dont answer because I dont know who it is. I changed my number and they somehow get my new number. I feel like theyre doing something illegal by getting secretly getting my new number. I also read that its unlawful for them to call my cellphone. They also say my name wrong so technically they have the wrong person.
Product: Checking or savings account

On XX/XX/XXXX, I attempted opening accounts with Discover Bank, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers who has taken a loan at Discover bank and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Discover Bank. I've called and spoken with multiple staff at Discover Bank. On XX/XX/XXXX, I called again and spoke to staff after staff, my call was being transferred from one staff to another. I eventually ended up with XXXX from Discover Bank fraud department, while I was yet on the phone with XXXX, the phone hung up. Immediately, I attempted calling Discover back, requesting to be reconnected to XXXX, but the staff transferred me again to a different department and I ended up with another staff named XXXX who unfortunately will not listen to my complaints not until I asked the one question " XXXX, so you're not going to help me as a victim of identity theft? '' In response, she asked for my SSN which I provided, and immediately, she switched gears. She apologized for being very matter-of-fact. To all the Discover Bank staff I spoke to, I informed them that the SSN belongs to me and provided all information needed for verification purposes, I confirmed and verified my Discover Credit card which I've had for a while. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. XXXX promised to either give me a call, or have one of Discover managers give me a call on XX/XX/XXXX. Up until today XX/XX/XXXX, I've not received any call from XXXX nor any of Discover Bank managers. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Discover Bank DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Discover Bank. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Radius Global for an old XX/XX/XXXXaccount. I am disputing the validity of this collection and the reporting of it because while I did previously have a Radius Global account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX XXXX XXXX 's instructions I returned all the equipment. To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Mortgage

I had a HELOC account through XXXX  XXXX XXXX that I thought was forgiven back in early XXXX for approximately {$92000.00}. I have not heard from any company until Planet Home Lending purchased the account from XXXX in XXXX I believe. When they took over the loan they agressively started collecting practices. They post late payments since XXXX and charged lated payments penalties and interest payments for a new balance of {$140000.00}. I tried to get a loan to payoff that loan but was denied several times due to the credit reports they posted about the loan. They set up a new finance agreement and monthly payment arrangements but still list the account as late monthly. They home listed the home on foreclosure site in which I have never been in foreclosure. Please help remove all late payments and foreclosure reports and stop them from continuing to list the account as late. Also they started something new where they list my payment is late if not received by the XXXX of each month without any notice. I typically make my payment from XXXX to the XXXX of the month.
Product: Credit reporting or other personal consumer reports

Credit file showing accounts that arent mine. XXXX XXXX XXXX with a balance of XXXX open XXXX  years and multiple jpmorgan accounts. All open in states ive never lived. Contacted XXXX amd no record of my social on file made fraud reports and freezes with XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Bmw Financial Servic XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Bmw Financials customer service representative.
Product: Checking or savings account

OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I purchased a new XXXX XXXX XXXX and financed through XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX. Due to medical issues and multiple XXXX I fail behind on my car loan and the vehicle was repoed in XX/XX/XXXX. I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX has continued to report to all 3 credit bureaus that my loan is currently 120-180 days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both Equifax and XXXX for the pass 6 months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past year and six months to be exact.
Product: Checking or savings account

Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendors :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX IL XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$150.00} XXXX XXXX XXXX   XXXX IL XX/XX/XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX IL {$440.00} XXXX XXXX # 1487 XXXX XXXX IL dipute date
Product: Money transfer, virtual currency, or money service

XX/XX/20 Trying to open a brokerage acct. with XXXX but PNC has done something to disallow a link between the two.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Towne Bank placed a hard inquiry on my XXXX credit report as part of a shotgun pull initiated by XXXX XXXX ( XXXX, NC ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for Towne Bank to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting Towne Bank directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to XXXX so some records may appear under XXXX XXXXXXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.
Product: Checking or savings account

I opened a new account with US BANK and it has been nothing but problems since I opened it. I am writing because I had to open a new bank, after my ATM card and social security card were stolen from my apartment- there is a fraud investigation going on. 
The first issue- I deposited over {$500.00} in cash directly to the teller on day I opened the bank, I made transactions that equaled less than {$500.00}. US Bank told the merchant I did not have the money to XXXX, denied the transaction which caused my new phone to be delayed by five days. US Bank then re ran the transaction taking around {$170.00} out for a transaction that was only {$100.00}. 
I make some returns to XXXXt, and then order some XXXX XXXX, to find out US BANK charged me for two NSF fees that they should not have charged me for.
Product: Credit card

CAPITAL ONE HAS WRONGFULLY WITHHOLD REFUND In XXXX and XXXX of XXXX  I purchased XXXX tickets, each costing {$390.00} to an event called XXXX. The event is held XXXX XXXX XXXX 

On XX/XX/XXXX my ticket was cancelled by the organizers but they refused to give evidence of any wrong doing on our part. They also refused to refund the money. I asked them how can I violated their terms of agreement without event attending the event as yet, they had no answer. I have sent over XXXX emails to them. I disputed this with the credit card company Capital one- the card holder names will be provided when we are contacted and ( Cards ends with XXXX, the other with XXXX ). 

Capital One gave the refund but in a few weeks withdrew it. There is nothing that the company XXXX could have said that gives them the right to my money. The law states that if a company has not provided a service or product the consumer can not be charged. The law supersedes any unfair company policy and terms of agreement. Capital one has aided this unlawful company to illegally take {$1200.00} from me. I would like all of this money and I will report this company to the authorities. Consumers are losing money too often because of unfair business practices such as these. 

The company and the person who wrote XXXX XXXX XXXX XXXX had over 5 months to contact me from the date of purchase but instead they waited until XXXX week before the even to make it difficult for us, including other refunds such as flights and hotels. This is a maleficence act. Any organization that XXXX can refer me to, with regards to reporting this company I would appreciate it. However for this complaint it is specifically for Capital one to refund the full amount to my credit cards.
Product: Checking or savings account

Bank of America closed my Business Bank account for suspicious activity and they will not give me my money back. The closure was unreasonable because of course I am not doing any type of wire fraud that is ridiculous. They are so called doing a investigation and they need to speed it up they with held over {$180000.00} of my business 's money XXXX XXXX XXXX XXXX. I am disappointed in Bank of America they were unprofessional, rude and disrespectful in how they handled this whole situation. I personally can not stand them and I will be telling as many people as I can not to do business with them. My whole experience with them was a nightmare. I never heard of a bank where you can't wire money, transfer or withdraw funds without going through the third degree like you are a criminal. They make you feel bad for taking money out your own business account. I hope your organization can get my money back as soon as possible because I been waiting on them for over a month thinking they would do the right thing and return my money. Of course, nothing has happened. Nothing right ever happens when it comes to Bank of America. The account ends in XXXX. I look forward to a positive outcome with the return of my money.