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

XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Cash App Profile Hashtag : $ XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Unauthorized Transactions on Cash App Request for Refund Dear CFPB, I am writing to file a formal complaint against Block Inc. , the operator of Cash App, due to unauthorized transactions on my Cash App account that I could not resolve due to the platforms inadequate customer service and contact protocols. 

Recently, the CFPB issued an enforcement order against Block Inc. ( Case File : XX/XX/XXXX ) regarding their inadequate consumer protection practices, which include failure to investigate unauthorized transactions and the lack of accessible customer service. I am one of the affected consumers, and I am seeking assistance in recovering funds related to these unauthorized transactions. 

Details of the Issue : XXXX. My Cash App Profile Hashtag : $ XXXX XXXX. Unauthorized Transactions : {$2500.00} sent to XXXX XXXX on [ XX/XX/XXXX ] {$760.00} sent to XXXX XXXX on [ XX/XX/XXXX ] {$240.00} sent to XXXX XXXX on XX/XX/XXXX {$200.00} sent to $ XXXX on [ XX/XX/XXXX ] {$3500.00} sent to $ XXXX on [ XX/XX/XXXX ] {$3500.00} sent to $ XXXX on [ XX/XX/XXXX ] XXXX. Total Unauthorized Amount : {$10000.00} XXXX. I attempted to contact Cash App to dispute these transactions but found that they did not provide an accessible customer service phone number or an adequate resolution process, as outlined in the CFPBs investigation. 

Relevant Orders and Codes : CFPB Settlement Order ( XX/XX/XXXX ) : Block Inc. was ordered to refund affected consumers up to {$120.00} million due to their failure to address fraudulent activity and unauthorized transactions. 
CFPB Code of Conduct : [ Insert relevant section if available ].

Given the seriousness of this matter and Cash Apps failure to protect my funds and resolve the issue, I am requesting the CFPBs intervention to : 1. Ensure Block Inc. investigates and refunds the unauthorized transactions totaling {$10000.00} 2. Hold Block Inc. accountable for their negligence and lack of compliance with financial protection laws. 

Please let me know if you need additional information or supporting documentation to process my complaint. I appreciate your attention to this matter and look forward to your assistance in recovering my funds. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I am attaching a detailed summary to include documents ; dates, amounts, attempts to resolve, and the hardship Bay Equity Home Loans has caused XXXX XXXX XXXX XXXX as well as XXXX potential buyer of our Duplex. On XX/XX/2023 a contract to purchase our duplex was received. In the packet was a pre-approval for the buyer for a conventional loan. An appraisal, which was supposed to be an appraisal for conventional, came back at {$410000.00}, well under the purchase price of {$500000.00}. We and the buyer wanted a solution. The lender suggested switch to FHA, agreed XX/XX/2023. 2nd Appraisal ordered by the lender came in at {$500000.00}. On XX/XX/2023 lender issued a credit denial. On XX/XX/2023 we received another offer to purchase with FHA financing. Listing broker provided the {$500000.00} appraisal. Through an email from the initial lender, email included as proof, that they filed the incorrect appraisal in error. As it was submitted to us that it was an appraisal for a conventional and the XXXX correct appraisal was filed with for the FHA. Our hardship, due to the first appraiser 's error, which he admitted, it is attached to our property for 120 days, which means we can not accept any offers from potential buyers until after XX/XX/2023. In addition we lost the ability to sell twice to buyers. This is a serious financial hardship to my company. As you will see in the attachments, we have tried numerous times to have this corrected. The lender 's agent refused to give us her supervisor 's name. Please review the attached documents. Our request is to have the incorrect $ XXXX appraisal removed and the $ XXXX correct one tagged to our duplex. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute through XXXX. 
XXXX of my account XXXX Report was closed and deleted. This company reports my rental payments to the XXXX credit Bureaus and I pay XXXX a fee for the service. 

I dont know why they close this account. Is affecting my score. 
My XXXX account is active. I have evidence. 

Please help. Thanks and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 and XX/XX/2018 letter submitting source documents ( postage for return on merchandise ). XXXX cards reversed the credit to my account despite proof that merch was returned. Since that time the " receivable '' has been sold at least XXXX times to collection agents. When I ask for source documents to prove that I owe the money, they sell the receivable to another collection company. Every time I get the dispute removed from my credit report, the receivable is sold and it reappears reducing my perfect credit to XXXX. It is the only credit blemish that I have and it reappears not matter what I do to remedy the dispute.
Product: Checking or savings account

I signed up for a Citizens Bank Checking and Savings account on the same date in XXXX, XXXX, as part of a nationwide promotion the bank had for a {$400.00} sign up bonus. I joined by getting a student checking account and a savings account. 

The terms for getting the bonus were to reach at least {$500.00} in direct deposits within 60 days and to make a {$100.00} deposit in the savings account for XXXX consecutive months after the first month of account sign up. I fulfilled all the requirements for the {$400.00} bonus ( {$300.00} checking bonus + {$100.00} savings bonus ) yet Citizens Bank has since refused to pay me what I am owed. 

On XX/XX/XXXX, I made my first direct deposit of {$510.00} to my checking account, meeting the requirement for the {$300.00} checking bonus. 

On XXXX XXXX, XXXX, I deposited {$25.00} into my savings account and followed it up by depositing {$75.00} on XXXX XXXX XXXX to have the {$100.00} deposit for the first month after opening the account. I also followed it up by adding {$100.00}, {$100.00}, {$25.00}, and {$150.00} deposits to my savings on XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX XX/XX/year> respectively, thus fulfilling the requirement that to be eligible for the {$100.00} Savings bonus. 

When I called into Citizens Bank 's customer support, a representative told me I did not get the bonus because my account got close shortly after opening it. I was never informed of the account closure and, in fact, I was able to use the Checking and Savings accounts as one normally would, sending in direct deposits and making withdrawals where necessary. I also had money in the account at the time of Payout, ( end of XXXX, XXXX  ) and the Student account is also having no minimum balance requirement and my balance never went below XXXX. I did nothing to have the account closed. 

I believe Citizens Bank wrongfully withheld my account bonus and is using underhanded tactics to not only bully its client base but steal from them. As a bank which claims to value transparency, Citizens Bank failed in multiple occasions to reasonably let me know a ) that the account was closed ( that is what they claim ) and b ) offer a tangible reason why an account of no minimum balance was closed when the balance never went negative and that I made a cash deposit into the account shortly after getting it. I believe the " account closure '' was just a made up reason to rob me of the bonus, and if indeed the account was closed, it was no fault of my own and hence Citizens Bank still owes me the full {$400.00} bonus.
Product: Payday loan, title loan, or personal loan

I took out a loan of {$1200.00} in early XXXX with Target Cash Now. Actually, they took out a {$75.00} processing fee and {$1000.00} was direct depoisited into my checking account. The interest rate was over 700 %. They started taking payments every two weeks out of my account. Each payment was {$380.00} every two weeks. I then realized just how bad this loan was as the principal was paid back just after 6 weeks. I paid them about {$2000.00} in payments and started to have trouble making the payments. I am a senior citizen and a veteran and I started reaching out to TCN to try and get a settlement I could afford. Over four weeks I spoke with different people at TCN some acted like they would work something out with me and some had the attituded of a loan shark and were mean. I made an offer to pay them {$800.00} in two installments. {$400.00} the third Thursday of the month when my Social Security is deposited. for ten days is was told the people at the top had not yet approved my offer.  Yesterday, I called and a rude man told me they had sold my loan to a collection agency. I was very upset and asked to speak to the CEO. The man told me he didn't know who the CEO was. That of course was a lie.I found out from the XXXX website that their CEO is Ms. XXXX XXXX and a XXXX XXXX is their Compliance Manager. XXXX is owned by the XXXX XXXX XXXX XXXX I believe from Montana. Since this COVID 19 virus has come upon us, paying this has become even more difficult for us. Can you please help me?
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Mortgage

I started the XXXX XXXX in XXXX. I have been consistently current on my mortgage payments. On XXXX, I should have received a {$5000.00} principle reduction in XXXX after completing 60 months of on-time payments. 

My Escrow Review in XXXX state there was a underage of {$22.00}. Between XXXX and XXXX, my property tax was reduced by about {$240.00}. My Home owners insurance increased by only {$3.00}. 

Select Portfolio is now claiming I have a underage of {$680.00}. This is impossible and I now totally question what is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Onemain Financial, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I am a XXXX veteran, and I am filing this complaint due to harassment and unfair debt collection practices by ProCollect, which is attempting to collect a debt related to an apartment lease at XXXX XXXX XXXX. 

Date of Incident : XX/XX/year> XX/XX/year> Debt Amount in Question : {$7600.00} Original Creditor : XXXX XXXXXXXX XXXX  What Happened : Unfair Debt Collection Practices & Harassment : ProCollect has engaged in continuous and aggressive collection calls, causing me severe emotional and financial distress. 

Despite my attempts to communicate my financial hardship and XXXX veteran status, the agency continues to harass me and demand full payment. 

I have requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), but I have not received adequate documentation proving the accuracy of the amount they are demanding. 

Incorrect or Excessive Debt Amount : I only resided in the apartment from XX/XX/year> to XX/XX/year> ( XXXX month ), yet I am being charged {$7600.00}, which is unreasonable and does not reflect the actual amount owed. 
The collection agency has not provided a breakdown of the charges or proof that the debt is valid. 

Financial Hardship & XXXX Veteran Protections Ignored : I have informed ProCollect that I am a XXXX veteran, protected under XXXX Orders and Treasury hardship guidelines, but they refuse to acknowledge my status or provide relief options. 

I have requested a debt reduction, waiver, or payment plan, but the agency has refused to work with me and continues harassment despite my clear hardship. 

Actions I Have Taken : I contacted ProCollect and requested a detailed debt validation letter, but they have failed to provide it. 

I attempted to dispute the charges with XXXX XXXX XXXX but they did not resolve the issue. 

I requested hardship consideration due to my XXXX veteran status, but my request was ignored.
Product: Credit card

I am writing to dispute a billing error on my account ( DISCOVER ) XXXX XXXX XXXX XXXX in accordance with Regulation Z under the Truth in Lending Act ( TILA ), specifically under 12 CFR 1026.13. I believe Discover Financial Services has acted dishonorably in handling my account, and I request immediate resolution of the matter. Despite my attempts to rectify the situation through previous communications with customer service representatives, the issue remains unresolved. I assert that Discover Financial Services has violated Regulation Z under TILA in the following ways : Failure to properly apply payments according to Regulation Z guidelines. 
Misrepresentation of billing statements, leading to confusion and erroneous charges. 
Failure to adequately respond to customer inquiries and requests for clarification. Amount ( {$11000.00} )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent zelles that was never refunded years ago. The claim they couldnt get my money back. I have chase XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I made a FDCPA formal inquiry into XXXX AKA XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. 

At this time i would like to know if Experian is depriving me of my consumer rights under the Fair Credit Reporting Act. 
And I have received no communication from XXXX OR XXXX regarding this matter so can you please investigate this as well. 

If these companies are found in violation I believe I am due {$1000.00} per occurrence. 

Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like these Bureaus held accountable if indeed I am correct.
Product: Payday loan, title loan, or personal loan

Stole XXXX got false money in my name i got letter in mail about XXXX XXXX loan
Product: Money transfer, virtual currency, or money service

Pursuant to the Fair Credit Reporting Act 609 ( e ), they're required to send me, at no charge within 30 days, copies of any documents they may have regarding this fraud including : records of phone numbers used to activate the accounts or used to access the accounts, addresses, application records or screen prints of Internet/phone applications and any account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I was under the XXXX XXXX  until it was put into limbo and was forced into forbearance. My loans are accruing interest every day under this forbearance, over {$200.00} now. I find this incredibly unfair as a struggling borrower under an IDR for a reason, and I feel like I'm being punished for someone else 's problem. I requested information about this, like if it might be waived once the matter with XXXX is settled, but I only got a confusing automated response. It is nearly impossible to reach anyone on the phone. 

I applied for a new IDR at the end of XXXX and it's still processing as of XX/XX/XXXX. I've been trying to contact them about the status of this as well and got the same vague automated response. Watching my interest go up helplessly and being in the dark about my repayment status going forward has created so much stress for me and I feel like Nelnet does not care one ounce about the well-being of borrowers in their service who are low income and need help, or at the very least honesty, clear information, and assurance that they are being taken care of.
Product: Credit reporting or other personal consumer reports

Hello, Equifax XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Equifax XXXX XXXX has not corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request immediate corrective action to amend or remove the disputed accounts, as Equifax XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize any of these inquiries made on my credit. I did not gave written consent to these companies to furnish anything to my credit report under law 15 usc code 1605. So forth these 11 inquiries are fraudulent they need to be removed under fcra regulations until proven accurate XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX