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

I am submitting a formal complaint against Cash App ( Block, Inc. ) due to their insufficient customer service and questionable practices that contravene the Consumer Financial Protection Act ( CFPA ). Cash App has not implemented timely and effective measures to prevent and address fraudulent activities on their platform, resulting in my account being left exposed and unprotected.

Additionally, their dispute resolution process has proven to be both unfair and misleading, as they failed to adhere to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have led to considerable inconvenience and financial detriment, prompting me to seek appropriate remedies for these violations. Despite reaching out to Cash App support multiple times regarding unauthorized transactions, I have not received adequate compensation, which has placed me in a financially vulnerable position.
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 financial loss.
Product: Money transfer, virtual currency, or money service

I was charged XXXX  for several things I didnt authorize
Product: Payday loan, title loan, or personal loan

I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX. 

I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$25000.00} account # XXXX 30 days late in XX/XX/2021, and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to report this evil organization summer of last year. It was resolved after a very diligent man from your office contacted them. The company had charged off the account and The lien was removed from my house. However, as of last month they have decided to start reporting late payments of 120 days again to credit bureaus. So it was removed and closed, now they have reopened it and it's starting all over again. Their most recent report cost my credit score to decrease XXXX  points. This charged off account is now up to 9 years old and still being reported as 120 days pd. Please help.
Product: Credit card or prepaid card

Before I received the card I called customer service to get an estimate on when I would receive the card in the mail, I verified all my information correctly and was told subsequently that my account was locked due to the phone number not being registered under my name. I told them at the time I signed up for unemployment I couldnt afford to pay my phone bill and used my roommate number as it was the best way to reach me at the time. They told me that my account would be closed until I provided a valid ID. I dont have an ID as I was evicted and moved to a motel and around during the hardship and had my wallet stolen with all my things at such motel. DMV is backed up for the next 5 months in my area and I barely have money to eat let alone pay for any fees. I was counting on my unemployment to get out of this hole but now way2go is punishing me for not having a phone under my name. I can see if I gave the wrong information but I didnt. I really dont know what to do do at this point and hope this agency can help me access my funds as it is my last chance. Thank you
Product: Mortgage

Was conditionally approved in XXXX of XXXX  for {$650000.00}. Started house shopping and signed a contract on a house with XXXX XXXX. Put down a XXXX XXXX at the end of XX/XX/2022. There was delays in construction so we could not close until end closing of XXXX. The underwriter that had worked on my file was fired on the XXXX of XXXX, my file was passed through several different underwriters until 2 weeks later they told me I was disqualified from my conditional offer with information available to them since XXXX of XXXX, I provided them with all of my income, employment information and documentation. Their negligence, and intentional deceit has lead to me losing thousands of dollars, becoming temporarily homeless and unable to purchase my home. 


The whole point of conditional approval was to have the peace of mind that the financing was evaluated and accurate information to shop with. 

At most i were anticipating a probable delay due to the build. Had you been notified that the condintional approval was an issue, you could have looked at other options or avoided making an offer all togerher. No one informed you of an issue with the conditional approval until too much time had passed to react effectively. 

The loan Officer helping originate was working off the impression the application was conditionally approved as well. However the processing side prolonged the review almost 2 weeks full of request for documents that mostly had been sent. All after the original processor was terminated for having creating issues with other files.

When asking for feedback and review status you and the loan officer were delayed whole business days in between submitting documentation for review and response. Leading him to work on satisfying other conditions and losing precious time you and XXXX XXXX focused on other potential options.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I am reaching out due to the credit bureau system disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I act that you hold them accordingly to these violations or I will file a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

On XX/XX/, I refinanced my car loan with State Employees Credit Union. I found multiple violations on the Fixed Rate Closed End Promissory Note, Truth and Lending Disclosure and Security Agreement. Pursuant to 15 USC 1605 ( a ) the finance charge is the sum of all charges and on the document provided the finance charge does not reflect such, which is fraud. On the document the finance charge is {$8500.00} which does not reflect the amount I am being asked to pay. On the document the total of payments equals to {$42000.00} which is not the sum of the finance charge. This is fraud since this is a truth and lending disclosure and it is not following the federal US code. Pursuant to 15 USC 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The inclusion of late charges on this document is a violation of the federal US code. Pursuant to 15 USC 1605 ( b ) the inclusion of life, accident, or health insurance premiums shall be included in the finance charge and they were not. Pursuant to 15 USC 1605 ( c ) property damage and liability insurance premiums shall be included in the finance charge and they were not. I sent a debt validation and cease and desist to State Employees Credit Union on XXXX XXXX and received a letter that did not address what I asked for so I sent an affidavit to State Employees Credit Union in addition to all documentation I have sent thus far with the addition of the exhibits for my affidavit. I am asking for the violations to be compensated by the company and for my account balance to be XXXX for my car loan and credit card balance since this company is committing fraud.
Product: Vehicle loan or lease

Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some of the information on my credit report that I believe is incorrect. I have identified several negative items that I request be removed from my report as soon as possible. 

Firstly, there are some personal details that do not belong to me, specifically the names " XXXX XXXX XXXX '' and " XXXX XXXX XXXX ''. Please delete these from my report immediately. 

Secondly, there are multiple previous addresses listed on my report that belong to other individuals. The addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX, dated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX I request that these addresses be removed from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Thirdly, there are several employers listed on my report that are not mine. The employers are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete these employers from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Lastly, there are several inquiries on my report that were not authorized by me. The inquiries are as follows : XXXX XXXXXXXX XXXX  XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX XXXX  XXXX, dated XX/XX/XXXX XXXX XXXX, XXXX,, dated XX/XX/XXXX XXXX XXXX XXXX  XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX XXXX XXXX, dated XX/XX/XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit card

Made a {$50.00} payment on XX/XX/year> on an outstanding balance of {$160.00}. They pulled {$700.00} from my account. I had to start a dispute with my bank to get a provisional credit to cover my car payment. They could not tell me how it happened or even that they showed anything wrong on their end. Had I not checked my account, all kinds of things would have bounced.
Product: Student loan

I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting bureaus were notified accompanied by legal documentation that my legal name is " XXXX '' but they are reporting my married name. I can not and have not used " XXXX, '' since being legally XXXX  in 2000. I have resumed the use of my maiden name, in the court of law. I can not legally use " XXXX '' and do not have any documentation with that name attached. Neither should these reports. Its been 23 years since I used " XXXX '' and my ex husband is now deceased too. My legal name is " XXXX. '' I have asked all three reporting agencies to remove XXXX but they refuse to. Instead, they add it along with XXXX different phone numbers that are not relevant. I do not have access to these phone numbers, XXXX or addresses I do not have access too either. This must stop at once because, when asked, I can not verify my identity due to all these different address and phone numbers and name that's not legally mine. After 2 written letters to dispute this incorrect information, I feel harassed at this point. This is the 2nd notice I've sent requesting that my personal information be corrected. I am trying to purchase a home soon and 10 or more phone numbers and addresses makes me look like a fugitive and unstable. When my husband was living, we did move quite often because he was in the XXXX  ( XXXX ). But again, that was over 25 years ago. I sent a copy of my federal ID and social security number. Along with supporting documentation as proof of my resident and phone number and legal name.
Product: Checking or savings account

For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX spoke wit Experian and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to TRANSUNION because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Debt collection

NCB Mangement Services Inc. at XXXX XXXX XXXX XXXX-XXXX, PA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported past due. I do not know this company. I have not done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

Below is an email I just sent to Freedom Mortgage. My loan number is XXXX. I just received a letter from Freedom Mortgage that said my monthly payment is increasing from {$1100.00} to {$1400.00} in XX/XX/XXXX. The reason my mortgage payment is going up is these idiots believe that my city taxes for XXXX are going to be {$5200.00} ( {$2400.00} in XX/XX/XXXX, and {$2700.00} in XXXX XXXX ). I just spoke with the treasury office in XXXX, and my property taxes for XXXX are {$2900.00} and paid in XXXX XXXX only. Nothing is due in XXXX XXXX. I have a copy of my tax bill for XXXX and forwarded it to Freedom Mortgage. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX Hi, Please see attached city tax bill from the city of XXXX, Michigan. My XXXX XXXX escrow payment is increasing from {$400.00} to {$600.00}. This is increasing my monthly payment from {$1100.00} to {$1300.00}. 

From the Escrow Account Disclosure Statement, freedom mortgage is going to pay city taxes to XXXX on XXXX XXXX in the amount of {$2400.00} and in XXXX XXXX in the amount of {$2700.00} for a combined amount of {$5200.00} This is incorrect. My city taxes for XXXX for XXXX are {$2900.00}. Freedom Mortgage is overcharging my escrow tax account by {$2200.00}! 

This has been the second time Freedom Mortgage has been incorrect with tax information. First, my XXXX taxes were not paid until XXXX XXXX, and they were due in XXXX XXXX. 

This better be solved within the next week. I am filing a complaint with the Consumers Financial Protection Bureau. This is gross negligence. 

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

Experian reported my XXXX account to be late 2, or 3 more times, when the account was not late 2, or 3 more times.
Product: Credit reporting or other personal consumer reports

Credit Collection Services- XXXXXXXX XXXX  Credit Collection Services- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. 

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast
Product: Payday loan, title loan, or personal loan

I took out a loan from the Cash Store. I missed a payment and they called my job and harassed/pressured my coworkers. When I do speak to them they are intimidating and aggressive almost as if they are a loan shark. I have asked them to stop contacting my job. They still do. This is more than collection, it is harrasment.