23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block, Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Product: Debt collection

Ive owed a credit card debit that I started a payment plan with Synchrony Bank who is works with a law firm bt the name of XXXX XXXX XXXX and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over XXXX of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.
Product: Credit reporting or other personal consumer reports

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and TransUnion Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/22 purchased VISA VANILLA AMOUNT TO BE ON CARD {$75.00}. XXXX XXXX XXXX XXXX  " UNACTIVATED ''. 
RETURNED TO XXXX, XXXX DIRECTS ME TO CONTACT XXXX 
THE MANAGER CALLED XXXX XXXX. CUSTOKER SERVICE. 
, I THEN HAD TO FAX COPY OF RECEIPTS AN DOCUMENT NOW THEY ARE WITH HOLDING MY FUNDS FOR 3_5 DAYS. I VANILLA VISA CARD- XXXX IS REFUSING REFUND VISA VANILLA CUSTOMER CARE IS WITHOLDING FUNDS.
Product: Payday loan

harassment calls at place of employment. Collector must contact me on my main phone line which was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, Equifax, and XXXX  are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
Product: Credit reporting or other personal consumer reports

The company XXXX is reporting inaccurate and fraudulent information on my credit report and needs to removed immediately. Under the fair credit act US code 15USC 1681 ( A ) as well as code Section 605B information cant be reported and needs to be removed immediately.
Product: Debt collection

Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PHONE XXXX XXXX XXXX XXXX filed legal action against me ( XXXX XXXX ) in XX/XX/2017 regarding a XXXX XXXX XXXX credit card. 

XXXX XXXX XXXX sold this account to XXXX XXXX. I disputed this complaint in court and won the case, Judgement for Defendant ( see attached ). 

I sent the attached later to all 3 credit bureau. ( XXXX, XXXX, and XXXX ) who conducted an investigation. 

XXXX  received my documents that released me from this obligation and they DELETED it. 

XXXX XXXX is still reporting to XXXX and XXXX that I owe this obligation. 

I am requesting to have this derogatory XXXX XXXX account DELETED from all three ( 3 ) bureaus immediately. The court ruled : " Judgement for the Defendant '' I do not owe anything.
Product: Bank account or service

On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at Wells Fargo.
Product: Debt collection

XX/XX/2019, I received a certified mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX it is a legal affidavit for garnishment against a bank account. Accounts Receivable, Inc, Washington trying to collect {$2900.00} plus interest of {$2100.00} and this account was already been paid a long time ago. It was not in Credit report any longer such as XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT - READ THE ISSUE AND REQUEST, THANK YOU. On XXXX XXXX, XXXX I received letters from XXXX XXXX and XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days, however I received a form letter and no contact information for a follow-up. I did not receive a copy of the paperwork requested that shows I opened this account, my signature, and the name of the Wells Fargo rep that assisted in this transaction. PLEASE NOTE : I have also sent MULTIPLE inquiries via email to several financial investors at WELLS FARGO and never received a reply to my requests. 

A Wells Fargo rep in XXXX, CO, XXXX, assisted with my investment request to open a XXXX IRA investment account - number XXXX ( XXXX XXXX ). The Wells Fargo branch rep told me this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers I feel that the branch has deliberately scammed me. Wells Fargo gives me the runaround by every branch I go to and it 's clear that Wells Fargo took my money, is using it interest free, while taking advantage of the fact that they can get away with being evasive. I never received a copy of the paperwork when signing up for this account. I have no paperwork from Wells Fargo about this account except the account number and tax statements. I expect a copy of the paperwork for the opening of this Roth IRA and I expect Wells Fargo to explain why this account was not placed as an investment as requested at the branch upon the opening of the account. Thank you.
Product: Checking or savings account

I had fraud on my bank account. All the funds were returned to me. A month later, I received a letter in the mail stating that they are reversing a {$100.00} refund. This is supposedly through an a I company that I had no business with. The company is called XXXX. Wells fargo had already approved two charges of XXXX XXXX XXXX XXXX XXXXXXXX dollars each from the same company. I have had no dealings with this company.
Product: Mortgage

In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.
Product: Debt collection

I am filing a complaint regarding violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Privacy Act by Credit Collection Services. Specifically, the company engaged in unfair and deceptive practices regarding debt collection, despite my request to cease communications regarding an alleged debt. 

Unlawful Communication : Credit Collection Services initiated collection attempts and reported information related to an alleged debt without my consent. They failed to comply with my notice to cease communications, violating 15 U.S.C. 1692cc.

Violation of Privacy : The company reported information regarding me to consumer reporting agencies without my explicit consent, thus violating 5 U.S.C. 552a ( b ) ( 12 ).

I would like to confirm whether a dunning letter was sent, and if so, please provide the USPS certified mail number so that I can verify it was sent. I was not given any opportunity to dispute or verify the debt, and the company 's actions demonstrate a clear disregard for the rights afforded to debtors under the FDCPA. 

I have requested that Credit Collection Services cease all collection and reporting efforts concerning my consumer information, remove any negative information from consumer reporting agencies, and provide written confirmation of these actions. However, these requests have been ignored. 

I would also like to bring attention to several past cases where Credit Collection Services has been found guilty of violating the FDCPA, including : XXXX XXXX Credit Collection Services XXXX XXXX ( XXXX ) The court ruled that the company engaged in deceptive practices by not honoring a cease and desist request. 

XXXX v. Credit Collection Services XXXX XXXX ( XXXX ) The ruling stated that the company failed to provide required disclosures and did not cease contact after a formal request. 

XXXX v. Credit Collection Services ( XXXX ) The court found that the company engaged in unfair debt collection practices by attempting to collect a debt without valid proof.
Product: Checking or savings account

I recently opened an American Express savings account. 

I have several problems with American Express : First, this morning I logged into my account and clicked on 'search ' to see how to sign up for paperless statements. When I tried to sign up for paperless statements, it had logged me out of my account. When I tried to log back in, it did not recognize my username and / or password. ( It may have taken me to a login page for a credit card, rather than the savings account? ) I went back to the sign in page for a savings account and again was not able to click on 'paperless statements ' without being signed out of my savings account. Why does American Express have such an unprofessional website? 

Second, just now ( evening ) I tried to log back into my American Express savings account. However, when I clicked on 'email me a code ' to verify my login, it did not send me a code. It did this twice. I phoned American Express ( XXXX ) and spoke with XX/XX/XXXXXXXX ' who said that the system was down for maintenance and I should try to log in later. There was no notice on the American Express login website informing the client about the shutdown - why? Other banks put a notice on the login website when their site will be down. 
And XXXX was unable to tell me how long the system would be down for. Why does American Express not inform their clients of shutdowns, and why don't they inform their employees how long the system will be down for? 

Third, I also asked XXXX how I could fill out a Pay-on-Death / Transfer-on-Death form to leave my account to a charity in the event of my death. She said that American Express does not allow clients to have a charity as beneficiary. Why? Every other bank allows a charity as a beneficiary. This is definitely NOT in the client 's best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to formally dispute and request the immediate removal of several fraudulent hard inquiries listed on my TransUnion credit report. I have recently become a victim of identity theft, and I am deeply concerned about the negative impact these unauthorized inquiries may have on my creditworthiness and overall financial well-being. 

The following inquiries, which I have no knowledge of and have never initiated, have appeared on my credit report : XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX  - Sales Financing - XX/XX/XXXXXXXX XXXX XXXX - Personal Loan Companies - XX/XX/XXXX XXXX XXXX Miscellaneous Department and Variety Stores- XX/XX/XXXX XXXX XXXX - Credit Bureau Inquiries- XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXX XXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XX/XX/XXXXXXXX XXXX XXXX - Mortgage Companies - Credit Union XXXX XX/XX/XXXXXXXX XXXX XXXX - Mortgage Companies - Credit Union XXXX XX/XX/XXXXXXXX XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX XXXX - Auto Loans- XX/XX/XXXX XXXX XXXX XXXX Auto Financing - XX/XX/XXXX Upon reviewing these inquiries, I must assert that it is impossible for me to have sought loans or financing from the aforementioned creditors during the specified periods. I have diligently managed my finances and have never engaged in any business transactions with these entities. In fact, I have taken the necessary steps to contact the listed creditors directly, and I can confirm that they have verified the unauthorized nature of these inquiries and have categorically stated that I have had no dealings with them. 

As a victim of identity theft, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its provisions for disputing inaccurate and fraudulent information on my credit report. The FCRA grants me the right to request a thorough investigation of these unauthorized inquiries and to have them removed from my credit history, thereby restoring the accuracy and integrity of my credit profile. 

I kindly request that the Consumer Financial Protection Bureau assist me in rectifying this matter by conducting a prompt and comprehensive investigation into these fraudulent inquiries. I am providing all necessary documentation, including correspondence from the creditors confirming the fraudulent nature of these inquiries, to support my claim. 

Please inform me of the progress of your investigation and the actions taken to correct this situation. I understand the importance of maintaining the accuracy of my credit report, and I am committed to cooperating fully with your office to ensure the successful resolution of this matter. 

Thank you for your attention to this urgent issue. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX