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

Cash App created the conditions for fraud to proliferate on its popular payment platform, said CFPB Director XXXX XXXX When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. 

Block, Inc. ( XXXX XXXX XXXX  ) is a publicly traded corporation whose principal executive offices are in XXXX, California. Block offers multiple digital payments products for businesses and consumers, including the point-of-sale payment system Square and the consumer payment service Cash App. Cash App is one of the largest peer-to-peer payment platforms in the United States, with XXXX XXXX XXXX XXXX accounts. It allows consumers to send and receive electronic money transfers ; accept direct deposits ; and use a prepaid card, Cash Card, to make purchases and ATM withdrawals. Block made approximately {$7.00} XXXX in gross profit in XXXX, approximately {$4.00} XXXX of which was generated by Cash App.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I wrote a support email to MoneyLion telling them that my XXXX XXXX   account has disconnected all third-party apps and I was closing my XXXX account because it caused a lot of problems for me financially. I received an email back from XXXX on XX/XX/XXXX stating to uninstall the app and re-install, which did not work. On XX/XX/XXXX I wrote another support email stating that I needed to update my form of payment for my MoneyLion PLUS loan payments and membership to my MoneyLion checking account. I explained that XXXX still allowed them to draft the payment even though it is disconnected.On XX/XX/XXXX XXXX replied to me that she has switched my payment form to my MoneyLion account and that the previous payment has already posted and can not be refunded, so I just had to basically eat the overdraft fee from XXXX XXXX. She stated that it would take effect XX/XX/XXXX. It didn't, and I contacted support again on XX/XX/XXXX and said " I updated my account with a new debit card to take payments from but it still shows my XXXX and I got an overdraft for you attempting to take it out of XXXX when I explicitly said not to and you agreed it was removed. Please remove that account. '' I did not get a response. I wrote another support email XX/XX/XXXX stating " You are unauthorized to take any.more funds from my XXXX bank account. I changed to XXXX XXXX, updated that in my account and it is removed and XXXX is still there. I need this XXXX removed immediately. '' I still received no response. I tried to call, and it was an endless hold. I tried going online for support and it was an Artificial Intelligence Robot that did not answer questions. In the meantime, payments were still coming from my XXXX account that I was trying to close but was unable to because of the MoneyLion automatic payments activated. I contacted XXXX and they had the money refunded back to me, which went into my MoneyLion checking account. Since then, I have changed to a XXXX checking account which is easier for my direct deposit from work and tried several times to update that information in the app and it did not work. I went online and tried to update it in the account and it did not work. I made more attempts to contact MoneyLion by phone several times and it was an endless music hold. It still shows XXXX. I deleted XXXX several times on my own, and it still has XXXX. I am now past due on several payments and have marks on my credit report for non-payment. I am pre-collections now. I would LOVE to pay my payments, but it won't allow me to. It will not allow me to do anything and no one responds. Today XX/XX/XXXX I attempted to call again and it told me to leave my number for an agent to call me back. No one called me back. I sent a support email Ref # XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX when the late payments showed up on my credit report I disputed them in an email and with the credit bureaus. 

I disputed them again when my mortgage statement showed my payments finally were posted after my loan modification was completed in XXXX. 

This XX/XX/XXXX, I submitted a copy of the CFPB letter stating that loans that we're not delinquent prior to forbearance should not be reported late. I sent that letter and my mortgage statement to the credit bureaus and sent shell point mortgage an email too in XXXX. Unfortunately, nothing has helped. 

Then after reviewing my statements this month. I am trying to figure out where my three trial payments of {$2200.00}. Was credited to my main balance??
Product: Debt collection

On XX/XX/2022 I received a letter in the mail from TRS recovery services saying they are collecting debt credited by XXXX XXXX XXXX Principal amount XXXX Returned Item Fee XXXX Total Amount Due XXXX This Tells me the transaction date was XX/XX/XXXX. 
I have never received any notice of failed payment to XXXX let alone by check. I do not even own a check book. Says returned reason is " Check returned, account closed. 

I had immediately contacted XXXX customer service, who confirm i have no debt to them. Nothing in my account has been unpaid for. 
XXXX i believe is a legit company, however I have seen so so many complaints of the same thing happening to others that have no record of debt with XXXX. 
Please Fix this.
Product: Debt collection

The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On X/XX/18 at approximately XXXX I, XXXX XXXX  spoke with XXXX XXXX XXXX XXXX XXXX XXXX with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have a mortgage with XXXX XXXX for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. 

I have been paying consistently on this loan and expected that it would be satisfied in XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XXXX. 

At the time of the loan origination XXXX XXXX had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. 

I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. 

OnXX/XX/XXXX I had a conference call with both XXXX XXXX and XXXX XXXX. The person from XXXX said that their process was to have the borrower do an automated phone call to set up the loan schedule and that confirming documentation would have been sent. I do not remember any such call. It is my contention that they set up my loan schedule without consulting me because I never would have approved something that only saved one year off of my mortgage. This same person indicated that he was sending the same package of documents to me so that I could review them. I never received any documents which is further proof for my claim. 

Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. 

CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive AdsXX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX. and XXXX XXXX XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} million in fees to consumers and pay a {$5.00} million civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. 
Deceptive advertising has no place in the financial marketplace, said CFPB Director XXXX XXXX.  Todays action is delivering relief for consumers deceived by XXXX  and XXXX, and sending a clear message that these practices will not be tolerated. 

I will continue to file complaints until one or both of these parties provide the information that I am entitled to. 

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

I was alerted by several different credit monitoring accounts I have that a hard inquiry had been made on my TransUnion report by XXXX on Sunday, XX/XX/2019. 

This wasn't my inquiry and I called XXXX on Monday. I took them a while on the phone, but they were able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. I then had to go through an arduous and time-consuming process of getting a police report and submitting it to Prosper for them to remove the inquiry. 

I only did this because I wanted it taken care of, but how can this company make a hard inquiry on my account with incorrect vital information? 

I'd like this complaint to go to whatever level it can, and hold this lending service responsible for doing a hard pull with incorrect information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened different accounts under my name I have filled a report with the Federal Trade Commisson Identity Theft Dept. Equifax has not taken off the accounts. XXXX has deleted everything that had to do with the identity theft. I also told them to remove the address XXXX XXXX XXXX XXXX XXXX, Tx XXXX that shows on my report but that has NEVER been my address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX D.C. XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent. 

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report. 

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 I applied for a bank account at XXXX XXXX XXXX XXXX and they advised they do an inquiry on Experian to determine services you are eligible for. They told me my Experian was XXXX. I assumed it was accurate but it seemed really low as I have been trying to get my act together with credit scores. 

On XX/XX/XXXX, I applied for an auto loan and we did not receive the best rate as XXXX advised my Experian rating was still XXXX. 

It was at that time that I realized I had never looked at the info Experian had, just XXXX  and XXXX. 

on XX/XX/18 1- I pulled an Experian credit and it shows General FICO at XXXX with lowest Fico option at XXXX. 
2- I called the XXXX XXXX XXXX loan office and confirmed they use Experian but could not explain why there was a difference. 
3- I called Experian and they advised XXXX is incorrect and I should give them a printed copy of my report and invite them to contact Experian to discuss. 
4- I went to XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX, and spoke with XXXX XXXX , Consumer Loan Originator. Mr XXXX advised me that my Experian report was wrong and XXXX was correct. I requested he contact Experian, he declined. I requested he give me a copy of the report they have showing XXXX and he declined. 
NOTE : I have received a loan offer that could be better if the FICO score was accurate. 
NOTE : I am learning a great deal about credit and one thing I have learned is that it is not a magical guessing game. The bank should be transparent and the consumer should be able to get transparent and real information. If it differs from their understanding, the bank should be able to explain how they arrived at a different FICO score so the consumer can act accordingly. I do no t feel that has happened here. 
Isnt it my right, as a consumer, to get evidence of the FICO they are using so I understand it in future loan requests? Shouldnt the bank be able to explain to the consumer what is driving the difference, so they can fix it?
Product: Mortgage

My XXXX and I were in the process of applying for mortgage forbearance with Carrington Mortgage LLC. Prior to submitting the official application, I called and spoke with a customer service rep who made it very very clear that we would be approved for the XXXX month mortgage forbearance. She said things along the lines of we will have no issue being approved for the forbearance, and that just about anyone that applies is getting approved. I hope their lines are recorded because it was about a XXXX minute conversation with her guaranteeing this. We ended up being denied, even though we were being affected by covid due to the insane inflation, which has made the cost of our essentials significantly higher than they had ever been. On top of that, we had to have an entire water filtration system and waster softener installed in our home. 

At the time of the application denial, we were almost XXXX months behind on our mortgage. Instead of a XXXX month forbearance, our application was pushed through to some other solution they call a loan modification. This included XXXX paying a modified mortgage amount of {$300.00} MORE than our current mortgage we were already having a hard time paying. We had to accept this offer or pay XXXX  months worth of late mortgage payments. Now we're struggling ever more. We XXXX XXXX qualified for the mortgage forbearance because of the XXXX XXXX and the Economic Impact. To top off the additional {$300.00} extra we're having to pay on our current mortgage, they're not allowing us to pay through their website which leaves me to pay through services like XXXX, XXXX XXXX, and XXXX checks through my bank. All of the fees associated with the services just mentioned add up to another almost {$100.00}, putting us almost {$400.00} over out normal monthly payment we were already unable to make. 

When I called Carrington after receiving the forbearance decline, they did absolutely nothing about the person who gave me false hope in thinking we would get a short break from our payments. This entire situation has causing significant XXXX XXXX XXXX, even more financial hardship than we were already having, and sending my XXXX and I into a state of XXXX. Carrington made us an insane promise over the phone, let us down, are taking more money from us each month, and they seem more than happy to do it. We have a XXXX year old child we need to take care of, and we feel like we'd been robbed of our right under the XXXX XXXX and are not able to get back onto our feet.
Product: Debt collection

The consumer checked his credit score on XXXX XXXX, he noticed a new alert was negatively impacting his score. The company in question is Consumer Adjustment Co, and the consumer has no information who or what the Consumer Adjustment Co is from. The report was on XX/XX/year>. The consumer believes this to be a fraudulent report. The consumer made a complaint on XX/XX/year> and Consumer Adjustment Co complied with the complaint and the debt was whipped off his credit score but later was back on his report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX XXXXXXXX XXXX, ga XXXX and the address XXXX XXXX XXXX ga XXXX does not exist
Product: Credit card or prepaid card

back in late  XXXX  early  XXXX  my wife and applied to refinance a home @ wells fargo in   XXXX   ohio. we were told all was approved and we had to just come and sign the papers, so we did. after we did the bank employee told us she would contact us the next day.we heard nothing and after several calls were told that we were not approved. after pulling my credit report several years later i found that a {$5000.00} credit card had been opened up in my name. it seems to have been paid for a few months and then not paid for a long time. now at is on my credit as pays as agreed but has been damaged my credit .i have just sent this info  XXXX  and i am waiting to hear back. i have not heard from wells fargo and i can not find the name of the legal team tacking care of this. any info on this would be appreciated. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian online to dispute Hard Inquiries that were on my report. I did not recognize them and I asked them to investigate the issues. The investigation took 2 days and with no result. I find it difficult to believe Any investigation was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is submitted XX/XX/XXXX ; Over one year since I took actionable remedies with Equifax to remove a hard inquiry that was committed through identity theft. Over the course of XXXX I attempted to contact Equifax via website, on the phone, and through certified mail no less than six times. In the course of several hours on the phone with representatives from Equifax, they had no record of my complaints, paperwork ( including a police report and notification from XXXXXXXX XXXX that the inquiry was fraud ). 
I have no confidence that Equifax has any intention of taking appropriate action and removing the hard inquiry made on XX/XX/XXXX. I have spoken to multiple representatives who seem confused regarding my dispute filings, cant read the credit report, interpret misinformation on my credit report, and have issued dispute confirmation numbers but never filed the disputes or filed them improperly. I request assistance as this gross negligence has negatively impacted my credit score. As a victim of identity theft who has completed all necessary steps and had to go above and beyond in order to attempt to rectify a situation that was caused through a crime, I implore your organization to publicize this complaint as well as assist in proactive efforts to restore my credit report. 
XXXX XXXX aware of Identity Theft. XXXX XXXX XXXX ( XXXX XXXX ). Spoke with XXXX. He closed the fraudulent account immediately, conducted an investigation and stated that I was liable for {$0.00}. 
Dates of Contact to Equifax : XX/XX/XXXX ( phone ), Certified Mail to Equifax XX/XX/XXXX, XX/XX/XXXX ( phone ), XXXX XXXX ( phone ). Do not have the number of website attempts. Continually received an error message that I would have to contact them by phone ( but was never connected to anyone during those times ). 
Spoke with XXXX from Equifax on XXXX XXXX. He said that this would take 30 days and I would receive results via email. On XXXX XXXX received an email that the investigation had been completed and to call. The representatives told me there were no hard inquiries on my credit reportthen 20 minutes later was told that no dispute had been filed. They told me that the last time I called I disputed my employment title ( which I did not ). 
Police Report Filed XXXX XXXX with Officer XXXX XXXX # XXXX Case # XXXX XXXX XXXX Police Department.