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

XXXX : Complaint Regarding Unauthorized Account Freeze and Lack of XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally lodge a complaint against CashApp regarding the unauthorized freezing of my account and the subsequent lack of support to resolve the issue. 

**Details of the XXXX : ** On XX/XX/year>, I accessed my CashApp account from my phone after performing a factory reset. I successfully logged in and added funds to my CashApp account from my XXXX XXXX bank account. However, when I attempted to transfer the funds to a friend, my account was suddenly frozen, and I received a notification indicating unusual activity on my account. 

Since the incident, CashApp has refused to provide access to my funds or allow me to transfer the money back to my XXXX XXXX account. Despite my multiple attempts to resolve the issue via their chat support option and over the phone, I have been met with unhelpful responses and a lack of transparency regarding the cause of the account freeze. 

**Attempts to Resolve the Issue : ** XXXX. **Contacting XXXX : ** I contacted CashApp support via chat more than XXXX times. Each time, I was told that another team was handling my case, and no new information was provided. 
XXXX. **Phone Calls : ** I called CashApp support more than XXXX times. Each representative I spoke with refused to assist me, stating that I needed to wait between XXXX and XXXX hours for the investigation to conclude. Despite explaining that the factory reset of my phone likely triggered the unusual activity alert, they provided no further assistance or clarity. 
XXXX. **Providing XXXX : ** I offered to provide my ID and any necessary information to verify my identity and unlock my account. My offer was ignored. 
XXXX. XXXX XXXX : ** I received an email response from a CashApp support XXXX named XXXX XXXX Despite explaining my situation and the lack of help from support, she closed my case without resolving the issue. Now, my attempts to contact her are met with automatic responses, and my account remains frozen. 

**Impact : ** The freeze on my account has caused significant inconvenience and financial distress, as I am unable to access my own money or pay my friend. 

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I seek the immediate unlocking of my CashApp account and access to my funds. Additionally, I urge the XXXX to investigate CashApps handling of this matter and ensure they provide clear and transparent support to their customers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a previous dispute with Barclays and that dispute was closed but only because I reached out to the Vendor and solved the issue. The vendor and I agreed to settle the matter by paying 2 of the payments and not paying the other two. Specifically, I wrote a letter to Barclays indicating that I would pay {$8600.00} and {$9300.00}, however the amounts for {$4300.00} and {$3800.00} would not be paid. I explained this to Barclays in both an email and verbally via the " Office of the President '' the persons name was XXXX. I must stress that there is no longer a dispute with the vendor, both the vendor and I are in agreement that I should be credited the amounts of XXXX and XXXX. However, even though the vendor and stated this, Barclays refuses to reverse these charges. The vendor and I are no on good terms and he advised me that he has not been paid for the XXXX and XXXX charges however Barclays continues to bill be and now there is a minimum due on these amounts. The most concerning issue is that I can not get anyone from Barclays to respond to a phone call or email. Barclays customer service is horrendous. Please help.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furbish an account without my written instructions.
Product: Mortgage

CFPB do not re-write my questions, send a copy of what i write i dont need an interpreter NOTICE OF ERROR I paid my Flood Ins on XX/XX/2020 for {$740.00} you continue to send duplicate checks on a non-escrow mortgage
Product: Debt collection

Kohls is reporting a closed/collection account as an installment account. This account has been sold to two different collection agencies but is still reporting under Kohls. Keep in mind this is damaging my credit score each month. Kohl 's has yet to send me valid proof showing that this account belongs to me ; billing statements are not considered validation as they do not bear my signature. I am requesting for this account to be removed from all 3 credit bureaus. Moreover, I have already given you the 30 days required by law, you will now have 15 days to correct the information being reported on my credit report and to send me a response or I will file suit. if you continue to act in bad faith I will proceed with a small claims lawsuit against Kohls for 1 : ) Negligent Reporting, 2 : ) Violation of the Fair Debt Collection Practices Act, 3 : ) Violation of the Fair Credit Reporting Act.
Product: Checking or savings account

Wells Fargo always charged me late fees and I had to close all my accounts with them. I also financed furniture at the highest interest rate!
Product: Student loan

When I registered for college I was assured I would find a job and the college would make sure of it. It was a terrible experience. New instructors every month, always out of supplies, incorrect test answers, the whole thing was a mess. I got an externship but then lost it and the school refused to help me get a new one. I never got a degree and I owe thousands in student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX Mr. XXXX XXXX XXXX noticed that his XX/XX/XXXX Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of XXXX XXXX XXXX XX/XX/XXXX. 
The company ( XXXX ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from XXXX and investigation with Impunity that will give much needed closure and Cash Settlement!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account reported written off as bad debt was fully settled with CLIENT SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # XXXX. 
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 : also States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 4 ) 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.
Product: Credit card

Hello, I got approved Skypass Visa Signature Card in US bank on XX/XX/XXXX with the signup bonus benefit ( Earn XXXX Bonus Miles when you spend {$4000.00} in eligible purchases within the first 90 days. ). I used the credit card mainly to get the bonus and after I spent the required amount I've waited for the bonus. But, it was not added to my account. I called with the bank on XX/XX/XXXX, but they said the term has changed in XXXX and I'm not eligible as I got the same bonus in the last XXXX years. The agent said he would request to the upper team but I got a mail with the same reply on XX/XX/XXXX. 

I'm very frustrated and disappointed because when I applied the card in XXXX, there was no term about XXXX  year rule. I always read the term in details, and if I read the term, I never made the card. And I always captured the application term and I attached it. There is definitely no mention of non-eligible case.Therefore, it's NON-SENSE that changed term about the signup bonus is applied to the earlier customer. It's kind of cheating and lying to the customers. Please help me with this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Birth Date : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Credit Card Account ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX FEDERAL TRADE COMMISSION that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Chase Auto account paid off on XX/XX/scrub> XXXX XXXX {$56000.00}. I have been trying to get the lien release and or title for several months so I can finish the Maine state registration so I can drive the vehicle. No luck, they keep telling me they sent it, and I never received anything. account number # XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I called Direct Express to get a balance on my social security money. When my balance said, {$.00} I was upset as to what happened to my money, so I checked what my transactions were and when hearing that {$380.00} was taken from my account, I dialed for the fraud department to report that I didn't take that from my account. I was told by a rep. that the money was taken from an ATM at XXXX XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/2022. I responded with, " That is impossible, I have my card here at home with me and have for days, as I lost the keys to my car and couldn't go anywhere and have been sick in bed for a week. '' I was told they would send me a fraud application in the mail and it would be here within XXXX to XXXX business days, and I was to fill out the paperwork and mail or fax it back to them. When I asked how someone could use my card anywhere when it was in my possession, I was told that cards are being " cloned '' and criminals are taking information off consumers cards and putting it on cloned cards. 
To say the least, I was amazed that this could happen. I was also told that they would be investigating after they recieved my fraud application. I asked if I could expedite the investagation process, as I only had {$.00} in my account. I was told what information that I was to provide in a letter from me and to fax that letter to them. I did write the letter and fax it to them, on XX/XX/2022. On XX/XX/2022 Dirct Express emailed me their decision on my case and denied me my money back and closed my case. I called them and spoke to, XXXX in the fraud dept. When I asked XXXX why they closed my case he said they would mail me the reason with documents as to why my case was denied and closed. I asked him to explain to me what was written in a letter I recieved from them via, email on XX/XX/2022. He said that was impossible, that they did not email me, that they do not email anyone in fraud cases. It wasn't impossible because I was reading to him what was written in a letter from Direct Express while we were talking on the phone!!! 
This whole investigation is a " Sham '' and I wouldn't be surprised if my money was taken by them and not a XXXX Bank ATM in XXXX XXXX. 
Since this case was closed I reviewed my transactions again and found that another {$460.00} was stolen from my account on XX/XX/2022 and I have filed a new fraud case on that money. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX I was accepted into a new school XXXX XXXX XXXX XXXX. When I applied for a loan for school the XXXX website was not able to locate a school code for XXXX College XXXX XXXX. I made this problem aware to XXXX College XXXX XXXX XXXX founder XXXX XXXX XXXX XXXX. We sat in his office doing the loan application on the XXXX website and he entered XXXX College XXXX XXXX school code and claimed the XXXX schools were associated. XX/XX/XXXX I arrived at school to find that the school was forced to shut down by the State XXXX. Later I attended court hearing and learned XXXX College XXXX XXXX was never associated with XXXX College XXXX XXXX and was not aware of XXXX XXXX XXXX XXXX and XXXX XXXX misleading students. The state found XXXX XXXX XXXX XXXX and XXXX XXXX guilty of misleading students about accreditations, failed to make statutory disclosers and produce records and illegally accepted payments. XXXX XXXX XXXX XXXX and XXXX XXXX are not to ever conduct business in the state XXXX. From the lawsuit no money was given to me to repay the school loans that were acquired under false representation. I am asking for my loan to be discharged from American Education Services but have been getting the run around for almost 8 years. I never received my degree XXXX. I am a single mother and there is no way I can afford to pay off this {$50000.00} loan.
Product: Checking or savings account

On XX/XX/XXXX I contact NetSpend to file a dispute with my funds getting transferred without my permission. On XX/XX/XXXX I left out of town for the holidays and I have a roommate who lives in the property, I set up direct deposit for my funds to be deposited into my account, I came home and look into my on XX/XX/XXXX and noticed that all of my funds has been transferred from my account into my roommate account without my permission. NetSpend has did these unauthorized transferred without informing me of anything about the transfers in the amount of XXXX and XXXX. I file a dispute and NetSpend approved one dispute for {$100.00} XX/XX/XXXX and close the dispute on that same date, they have not responded or investigated anything XXXX business days and NetSpend hasn't done anything about my funds that they allowed to be successful Unauthorized transferred to someone account without my permission. I don't have any money to waste, NetSpend has been very unprofessional in handling my account.
Product: Mortgage

The, below, letter explain the situation. 

Good morning : My name is -- - and I am writing this letter to request the XXXX late designation for XX/XX/XXXX be removed from my credit report. Of course, I am prepared to supply justification for my request. First, let me say that the XXXX XXXX late is the only lateness I have with Fay Servicing because I have made every effort to meet my mortgage obligations. 

Now for the justification. In XX/XX/XXXX I took a position on XXXX XXXX, NY. In XX/XX/XXXX I signed a Land Contract Agreement with tenant to rent my home from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX they were to pay a certain balloon amount to purchase my home. ( See Exh. # 1, Land Contract ). 

Unfortunately, these tenants, both lawyers, have turned out to have nothing resembling integrity. Almost from the beginning I have had to hire legal counsel to compel the tenants to pay. ( See Exh. # 2, Judgment of Possession dated XX/XX/XXXX for {$12000.00} XXXX. The amount owed to me at that time included, among other months, XX/XX/XXXX. Also, as you can see from the judgment, the Tenants then had 90 days to pay the amounts owed. So, for quite a bit of time I was paying two mortgages as my rent on XXXX XXXX is approximately {$3000.00} per month. 

The Court granted our motion to escrow rent payments because I doubted they would pay otherwise. If that was the extent of it all I would have been happy, however, after paying the defaulted amount, the tenants immediately went into default again and have made zero payments for XXXX. ( See Exh. # 3, Answer in current lawsuit. Please take note of highlighted sections on pgs. 1 and 2 ). In addition, the tenants have paid nothing for XXXX and will pay nothing for XXXX if their custom continues. The closure of the courts because of XXXX has only exacerbated the problem, however, I have continued to meet ALL my financial obligations. 

Lastly, it is our desire to apply for a mortgage after the sale of our home in a few months. I have spoken with XXXX XXXX about my credit report and, of course, because the Fay Servicing delinquency is so recent it is preventing me from obtaining a desirable loan. Except for the tenants recalcitrant refusal to pay rent I would not have missed any payments with Fay Servicing. 

For all the above reasons please see fit to remove the XX/XX/XXXX XXXX delinquency from my credit reports. The last four numbers of my SS # are -- -. 

Thank you for your consideration. 


Enclosures
Product: Credit card or prepaid card

Originally I had a windshield replaced the company did shotty installand damaged my vehicle over XXXX. They granted dispute and then recharged me. Take away and put it back on repeatedly. Most recent ly account balance was XXXX payment XXXX interest charge XXXX new balance XXXX. They added my payment to my balance rather than deduct its fraud and they do it over and over and over. I call and complain and the next month reflects more fraud. And they never correct anything.
Product: Money transfer, virtual currency, or money service

I was the victim of identity fraud. All of my accounts were hacked, my XXXX account, my XXXX account, my bank account, my cell phone and my paypal account. Someone emailed people from my XXXX account and had them wire thousands of dollars. I XXXX  XXXX and they contacted XXXX   buyers  and got their money which made me lose XXXX sales. The hackers took my cell phone and opened a fake XXXX   page after hacking and deleting my XXXX  page. Then they transferred money from my bank account and my paypal account into this XXXX account. I opened a dispute with my bank and they refunded my money but paypal said it was an authorized transaction and wont give me my money back. I want to open a dispute with paypal to try and get my money back. I called the police and made a report the XXXX Ohio  police dept. I also filed a complaint with the attorney generals office and the fbi. I didn't file cases against paypal just the identity theft. You are the only one i contacted specifically to go after paypal. These were the dates and charges and all were sent to the same XXXX account XX/XX/2019 {$170.00}. {$120.00}. XX/XX/XXXX. {$75.00} {$75.00} {$50.00} XX/XX/XXXX {$35.00} {$25.00} {$25.00} {$25.00} TOTALLING {$610.00}. Please help me get my money back i am single  and XXXX XXXX. I am broke and really need the money. I can provide you with all the reports from the agencies