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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Debt collection

XXXX XXXX XXXX has garnished my wages. I am a single parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a single mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.
Product: Mortgage

I refinanced my home with Nova in XXXX of 2021. The process was seemingly smooth throughout the transaction. We were told the loan closed and funded and it was a done deal. Within a week, title asked for an additional $ XXXX dollars due to an error with final pay off and taxes. We would get this money back in a refund eventually. Two and a half weeks go by and our old loan carrier still shows our old loan as active, and now late on a payment. This was found through my own research, nothing from Nova. Finally, on the XXXX and XXXX of XXXX, XXXX XXXX addresses the issue and gets everyone scrambling to fix it. By now, the old loan had accrued {$500.00} is interest as it was not paid off by NOVA. I was 1 day away from a 30 day late on my mortgage that NOVA was hired to handle. The same loan that was supposedly funded and closed on XX/XX/XXXX. I then had to pay an additional {$500.00} on the last day of the month so the pay off would go through. By this time I had paid over {$1200.00} that was not listed on any closing cost or final closing docs that I signed. 

I contacted the old loan carrier, XXXX, who provided me with information that the payoff wire that Nova sent was short on funds and immediately rejected. There is email documentation that XXXX sent back to Nova with the urgent matter. This matter and email were never addressed or responded to. I then contacted XXXX XXXX of Nova looking for answers and perhaps some accountability. All I got was everyone blaming everyone else and no one owning up to the mistake. I have tried to resolve this issue with Nova and XXXX since XXXX of 2021 and I am still getting brushed off as of XXXX of 2021.
Product: Debt collection

I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.
Product: Credit card or prepaid card

I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My deceased wife ( passed XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The bank did confirm there is no signatures as this was an online application. How can a bank get away with opening an account in my name without my permission, a signature or any proof of who is opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
The person we spoke to at XXXX XXXX  fraud department was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix this issue. This is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Product: Credit reporting 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 XXXX  Acct # XXXX XXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX  Acct # : 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 : It also states a consumer reporting agency can not furnish an 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, that 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.
Product: Checking or savings account

On XX/XX/ an authorized charge was made to my account. 
Claim number : XXXX A fake name of XXXX XXXX was used. The last name clearly was attempting to imitate my XXXX last name. There is no one in my household, family, or friends with a name or XXXX. 

Another fake name of XXXX XXXX was used in an attempt to mimic my wifes name of XXXX XXXX. These are OBVIOUSLY not our names and perhaps were used to not raise red flags when the scammers were stealing our card info. Im not sure, my banks job is to investigate, NOT MINE! 

The fraudulent purchase appears to be 3 tickets to an even in TENNESSEE, I live in XXXX California and I have never been to Tennessee. No other purchases were made in Tennessee if you look at my account. 

The bank refused to accept my dispute because they reached out to the merchant and the merchant verified the purchase was authorized Im not sure how my bank can take on business and not conduct their OWN investigation. 

1 - wrong name 2 - wrong email address 3- yes the scammers used my home address and had the card info Im sure thats what scammers would need to be considered scammers 4- wrong phone number Just because someone had my card info does not mean I authorized this purchase or {$760.00}! I notified my bank right away and they issued me a new card. Now they are refusing to accept the dispute even though I have stated time and time again none of the information is valid and this is clearly a fraudulent charge
Product: Checking or savings account

I disputed a claim for a fraudulent charge made on my business checking account debit card. Bank of America denied the claim, providing in the same envelope the evidence from the merchant ( XXXX ) that the product ( a {$970.00} textbook ) was purchased and apparently delivered to my address. They also provided the XXXX tracking information with their supporting documents for the order, which I looked into further. After calling XXXX and requesting further detailed proof of delivery, they sent me a pdf with the person and address it was shipped to and from, neither being me nor the apparent seller of the textbook. The delivered and shipped dates were both before the order was even placed, according to their supporting documents and my bank statement. In other words, the person committing fraud was able to assign a random, unrelated tracking number to this purchase and my bank didn't think twice about looking into this. With all of this in mind, my claim should not have been denied yet it was and I feel that this should be escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this directly to the bureaus and they have done nothing, This is Identity theft and I would like it deleted.
Product: Credit card or prepaid card

Im writing regarding 2 transactions on my Macys card. 

The first transaction, XXXX # XXXX was returned to Macys. I paid with my Macys card. Macys took it upon itself to refund the order with a gift card. I placed another order over the phone and the rep didnt know how to use the gift card. I went to the store to purchase a shirt and the store couldnt use the gift card. Ive called multiple times to have my refund returned to my Macys card and I get lied to that it was. My Macys account balance is still the same. I paid {$11.00} with my Macys money. They have yet to issue a refund for that {$11.00} dollars. I didnt cancel or return the order. I earned that with my purchase history. 

The second order, XXXX # XXXX with Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been stuck at Macys warehouse for over 2 weeks XXXX It says label created and shipper awaiting package. Ive called multiple times to request my refund and Im no longer willing to wait. 

I purchased elsewhere. Till today, they havent processed the refund. They reported my account to the credit bureau today as credit use higher than normal with 30 % usage. 

I need Macys to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was speaking to someone on the phone about purchasing tickets and I sent him money for the tickets as we were talking he hung up and I could get ahold of him. I contacted XXXX immediately about this to dispute and hopefully reverse the transfer. I filed a police report and chase told me they could n't help. I gave this person {$210.00} and will never see it again and XXXX was of no help.
Product: Debt collection

While checking my credit report i noticed there was a collection on it, from Plus four inc, original debtor XXXX XXXX. The date was XX/XX/2020 the amount says XXXX dollars. I have never received any written notification of this debt. i do not have an account number an exact amount or for what exact service this was for. I have medical insurance that also would have covered any bill i had. I have tried 4 times to contact both companies, requesting account # date of service, what service etc I even sent both a copy of my insurance card to find out why they did not bill them and to try and resolve this.. but I have never received a repsonse at all.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent cfpbs 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 was impossible and that tracking these transactions was unfeasible. The cfpbs findings indicate that zelle has not only neglected to protect consumers but 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: Bank account or service

If a consumer does not report authorized ACH entries with sixty days of receiving the periodic statement with the unauthorized transaction, does Regulation E dictate that financial institution must refund the amount of the unauthorized entries occurring with the sixty days of the periodic statement. I am confused with 1005.6 ( b ) ( 3 ) and the official interpretation.
Product: Debt collection

I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX. XXXX, XXXX & XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, XXXX  and Experian. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Product: Checking or savings account

Im filing a complaint with you all regarding my Capital One bank account. Capital One Bank is having technical issues. I have not received my deposit and I havent gotten any answers. This issue raises concerns about consume protection laws, and I request your assistance in investigating into matter to insure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX I noticed one inquiry that was not authorized nor did I do a credit application for this in my name.. 
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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 3 credit bureaus 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. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX  XXXX Balance : {$41.00} XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$22000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

Chase bank restricted my account and can not tell me why my account has been restricted and I cant pay bills or feed my family. I visited the branch and called twice and have been given the run around for two days  straight. Account was restricted on XX/XX/2020.
Product: Checking or savings account

I was issued a check on XX/XX/2024 by XXXX XXXX XXXX as a part of closing on a home. My credit card balance with Bank of America was added on to closing costs, and I was reimbursed with a check that would pay off the balance. The check was made out to " Bank of America '' for {$220.00}. I mailed the check to the bank on XX/XX/XXXX from my local post office but it was stolen in transit ( confirmed by both the bank and the XXXX ). The check was cashed at a Bank of America XXXX under someone else 's name on XX/XX/XXXX. I have reached out to Bank of America several times as well as XXXX XXXX XXXX and their bank, XXXX XXXX. Bank of America claims that XXXX XXXX is responsible for this and XXXX XXXX claims that Bank of America is responsible for this. I can not seem to get a resolution from either side. I also have all of the banking information from the fraudulent bank account ( which is a Bank of America account ) that is endorsed on the back of the digital copy of the check. Bank of America will not look up the bank account because of privacy concerns. I have filed multiple complaints and reports with the XXXX XXXX and the bank.
Product: Debt collection

I requested in a previous complaint under # XXXX that the current creditor under the name Debt Recovery Solutions LLC. provide me with verification of this debt that they are attempting to claim and are reporting to the credit bureaus, in the amount of {$780.00} account no. XXXX. 
In their response which is enclosed, the company only attached a letter from another creditor under the name XXXX XXXX XXXX. 
With no details other than my name and address and a date of service of XX/XX/13. 
I was not physically present in the United States on that date. 
Furthermore I've been notified by my bank that my SSN and ID information has been compromised on the dark web by a data breach and I'm at risk of identity theft. 
Please provide evidence and verification of this debt directly from the Original Creditor including a copy of the original bill or statement, or terminate actions to collect this debt and request that the credit bureaus delete your tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive sent countless letters to XXXX about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a settlement reached with Wells Fargo Card services on XX/XX/XXXX and XX/XX/XXXX. The balance is being reported incorrectly and does not reflect the settlement of XXXX  nor does it reflect the balance after payments have been made. 

On XX/XX/XXXX Wells Fargo reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX this incorrect information. This has adversely effect my credit score and reduced my score by XXXX XXXX. I am now unable to apply for a business loan that I was pre approves before the adverse reporting. Wells Fargo is incorrectly reporting a balance of {$5800.00}.