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

Hello my name is XXXX. 
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 Electronic fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Form 1099-C - Discharge of Debt was filed by XXXX XXXX XXXXXXXX XXXX XXXX with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by XXXX XXXX XXXXXXXX XXXX XXXX because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS. 

XXXX XXXX XXXXXXXX XXXX XXXX has failed to notify me the year following the filing and has failed to update account number XXXX to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. XXXX XXXX XXXXXXXX XXXX XXXX had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. XXXX XXXX XXXX XXXX Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to book a flight with Delta on delta.com. Delta runs a credit card promotion with American Express, which advertised that I could receive {$200.00} off my  flight if I applied for the account. I did apply, and was a approved. The {$200.00} credit was not applied to my statement. I called Delta, and they directed me to American Express indicating that they would give me a temporary account number to purchase the flight, and the promotional rate would be applied to the card statement. 

Delta then transferred me to the Amex customer service, where they claimed that since this was a new account that I would not be able to access or close the account until the next business day. This is a clear bait and switch promotion, and is extremely frustrating to deal with.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax, XX/XX/year> XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX data breach below in attachments.
Product: Debt collection

Looked at my credit report XXXX a collection for {$1300.00} from I C system the debt trying to collect is not me I had XXXX / XXXX XXXX in XXXX moved to mobile in XXXX no social security number is required when opening the account therefore someone with same name had the account an it was tracked to me since I had service with the XXXX plus years ago I've requested a contract or something with my signature to verify the information & nothing was presented to me I C system never contacted me or sent a letter to me to for me to ask them for verification of the debt. Ok don't need to see a typed copy with just my name on it saying it's my debt I requesting a contract with my signature in pen ink saying I signed for the service if not please asking to remove the debt from my report
Product: Checking or savings account

I looked on line and saw a sale on XXXX. A chair and ottoman for {$59.00}. I bought it and I got a emailed receipt and I saw that it was not from XXXX. I immediately called XXXX and they let me know that it was a scam. I called my bank and let them know what was going on. They told me to wait up to 10 days to see if I get the product. I waited and emailed XXXX. That was the email on the correspondence on the internet and I never got a response. There was no phone number. I never got a response. I never got my chair and ottoman I called the bank and they issued a credit on XX/XX/XXXX. I thought it was over however I get a email from my bank stating that XXXX XXXX sent them proof that the charge was valid. I called Capital One and asked to see the proof. they sent me a copy that was not legible. They read me what it said and I knew it was fraud. I blew up the document and the document was not from the post office at all. I read the tracking number that they said was proof and it said it was delivered on XX/XX/XXXX. The tracking number said it was delivered to my front door or porch. I live on the XXXX floor of a secured building so I knew it was false. It was also a tracking number from XXXX and I know they do not deliver chairs and ottomans. I made a claim with the post office and sent that to Capital one. The post office sent me back proof that the delivery was a XXXX ounce letter and was sent to a different address not mine! A Chair and ottoman do not weigh XXXX ounces! Also the post office stated in their letter that they have a maximum delivery and they would not deliver a chair and or a ottoman. I sent all of this to Capital One. They have since denied ever claim and now have made me pay back the money to XXXX XXXX and now my account is negative. I have proven that all of this is fraud and I still now have paid for items that I never received and I have been scammed by now my bank and XXXX XXXX. The address that the post office delivered the XXXX ounce letter to is a church! I have sent all the proof to Capital one and they do not care. At this point I do not know what to do! I also did my own investigating and the receipt I got said that I paid out of a XXXX account. There is no record of this purchase on my XXXX  account. That is weird... Like I said I thought it was wayfair! That is what the description says. I buy from them all the time. Also my receipt I sent Capital one said XXXX on it. Please help me! I need justice im sure XXXX XXXX has done this before! And Capitol One!
Product: Money transfer, virtual currency, or money service

I initiated a money transfer of XXXX on XX/XX/2020 using Western Union. The tracking number of the transaction is XXXX. 

When the funds did not reach the receivers bank account even after three weeks I was given a reference number XXXX for my complaint. 

I was told that the receivers bank account rejected the transaction, which was absolutely incorrect as funds sent by other Money transfer app was credited to the same receivers account. 

I called customer care every day inquiring about the transaction but was kept on long wait time and never got the accurate facts about the money transfer.

After raising a complaint with CFPB, western union agreed to refund the entire amount on XX/XX/2020. Already one month had passed by then from the day when money transfer was initiated. 

The mail is attached and Western union replied with reference number # XXXX. 

Even after so much, THE MONEY HAVE STILL NOT BEEN REFUNDED to my account. 

I am being harassed by western union customer care every day when I try to reach them inquiring about the money. 

I am losing my sleep over this and have to take pills. The whole situation is affecting my health and career as I am not able to concentrate on my work. 
Looks liken western union is illegally not releasing my money and indulging in profiteering. 

I request the CFPB to kindly look into the matter and help me in getting back my money from western union. I request to provide me legal aid if deemed necessary to recover my money.
Product: Student loan

I paid off my student loan which was being collected by XXXX. They confirmed that they were the collection company servicing my student loan debt. I called to ask about my interest statements for the two years it took to pay off my loan and my payoff letter that I never received. I was told that I needed to contact the post payoff company, Navient Solutions, I called them and told them that I did not receive an interest paid XXXX for either tax year, XX/XX/XXXX or XX/XX/XXXX and I did not receive a payoff letter in XX/XX/XXXX after the debt was satisfied. I have called and spoken to representatives and supervisors of Navient on XX/XX/XXXX ; XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told " we sent it out '' and they confirmed my mailing address provided by my employer and confirmed by me. I am entitled to the benefit of my tax documents and a payoff letter. I was never told who I was speaking with until I specifically asked for the company name and mailing address. I was given Navient Corp., XXXX, PA XXXX. I later discovered through online research, this was not a complete mailing address, the correct address is : XXXX, PA XXXX. Would you please assist me in obtaining my interest statements for XX/XX/XXXX and XX/XX/XXXX and my payoff letter?
Product: Student loan

From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?
Product: Credit reporting or other personal consumer reports

Hello, Transunion has provided my credit report to the below companies without my written consent as required. i submitted a dispute for the below inquiries since XX/XX/XXXX and XX/XX/XXXX and and not received the requested information validating the consent of these inquires. 

Name Requested On 1. 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 Transunion advised me in a secured email that my report can be obtained without my consent, in which is inaccurate according to the FCRA and Social Security Administration. Transunion is not protecting consumers from fraud and allowing matters to continue. 

I have yet to receive credit application bearing my signature from these inquiries in which is required. Transunion refuses to remove and continues reporting in acurate information and is telling me that I need a letter of deletion from these companies in which is accurate according to FCRA as a credit reporting agency, transunion is obligated to assure the information they are reporting is 100 % accurate, in which they are not abiding by the laws set forth. Transunion must conduct reasonable investigations to asssure they are repeorting accurately and all neeeded information is obtained and from accruate soucing. 

Transunion has failed to do so and has not protected my information underthe privacy act. I am requesting these inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested a description of the reinvestigation procedure that Experian used to verify the accuracy of the accounts. Per 15 USC 1681 ( I ) they had 15 days after receiving my request to provide that information. Its now XX/XX/XXXX and Ive yet to receive anything and they are past the 15 days required by law to provide the documentary evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights, They stated that the XXXX Account was " cerfitied '' as accurate yet this is impossible as there are multiple inaccuracies. Date opened, high credit, date of last active and date of last payment is incorrect. Payment History incorrect, where are the 30, 60, 90 day lates? I paid this on time. 


Thie is a violation of the federal law 15 U.S. Code 1681i ( 5 ) ( A ) states In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 U.S. C 1681 section 602 ( A ) states that I have a right to privacy 15 U.S. C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

today at XXXX XXXX on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.
Product: Debt collection

Company by the name of XXXX XXXX  contacted me on XX/XX/XXXX stating they are a debt collector and they are trying to collect a debt. I owned money to XXXX XXXX  XXXX XXXX for a car I had in XXXX, the car was in a accident and I couldnt afford to pay it and the bank had the loan marked as charged off on my credit report. Now I have credit retrieval trying to collect the debt I once owed to XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, I requested information in regards to the debt they are trying to collect for example the amount of debt, the name of creditor, a statement that unless the consumer within 30 days after receipt of notice disputes the validity of debt or any portion. There of the debt will be assumed to be valid by the debt collector, the complete and signed contract for the debt obligation, which is subject matter of this dispute, an affidavit that the statues of limitations has not expired. Also, whether their firm has a debt collection license in my state if not explain why if so, provide the date of the license and name on the license the license number and the contract also containing a state collection license from that location. 
On XX/XX/XXXX I got a message from them saying XXXX XXXX XXXX, thank you for the prompt response. We recieved the correspondence you are referencing and sent you a subsequent response on XX/XX/XXXX to the XXXX XXXX address. Based on your response, I will assume that you have not yet received that. I will follow up withyou on XXXX  to discuss next steps, unless you reachout prior. Thank you and have a great weekend. **This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. ** Reply STOP to opt-out. XXXX XXXXXXXX License # XXXX As I went home that day I checked mailbox to see if they sent over and I didnt receive anything so I messaged them again and they said to wait until next Wednesday XX/XX/XXXX. Still have not received any paperwork. I messaged them on XX/XX/XXXX, and XX/XX/XXXX to provide me with the tracking number so I can see if they indeed sent it over or any proof of it. I have not had a response from them since then. 
On XX/XX/XXXX I had tried to refinance my house but I got sent a document that golden XXXX put a lien on my house not sure how golden put a lien when its credit retrieval trying to actively collect the debt and not my XXXX creditor. Ive tried to reach out many times in regards to this but I have no success and its affect my life as I can not refinance my house now.
Product: Debt collection

I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have made attempts to dispute the debt own on this account to be inaccurate and incomplete. This item was purchased by a third-party debt collector, Portfolio Recovery Associates . I have no written contract with them to pay this debt. The amount displayed on my credit report is incorrect and was paid for less than owed, by the third-party debt collector. The question is how much did the collection company ; Portfolio Recovery Assoc. pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, this must be DELETED IMMEDIAELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake  bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.
Product: Checking or savings account

COMPLAINT ID XXXX Through CFPB, I was able to get a response from the bank however they did not investigate the matter in detail. 

I received a response back through CFPB from US bank regarding my business checking account. The original complaint was that I did call before I've opened up a business checking account with a promo to make sure I did qualify. Upon recieving an approved answer from the representative I've opened up the checking account. Before I've deposited the XXXX dollars needed qualify for the promo I did call yet again to make sure I did qualify. 

I've spoke with 2 different representatives to make sure I did qualify. 

Also. I've called after 60 plus passed days to make sure I was going to be receving the promotional offer. In which the representative yet again was 100 % sure I would get the promotional offer. This particular representative 's name was XXXX. 

If all of these calls were recorded then they should be logged with US bank. 

In all honesty, I did not know I would qualify for the banking promotion. And in all honesty, I did call to get guidance on whether I would qualify. The answer I got from all of the representatives were yes I would qualify. That is why I've made the choice to open the business checking account. 

I kindly ask that you would please grant the promotional offer as assured upon by all of your representatives.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX 's Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a 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, other 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: Mortgage

On XX/XX/XXXX, I obtained a Home Equity Line of Credit with predecessor in interest, Washington Mutual. The loan was secured by a Deed of Trust on my property. On XX/XX/XXXX, the loan was paid in full and a Substitution of Trustee and Full Reconveyance was recorded because the property was sold. 

Even though the account was paid the bank continued to maintain the Home Equity Line of Credit and collected between $ XXXX {$35000.00} in wrongful payment. 

On XX/XX/XXXX after various correspondences with Chase, they agreed to cancel the debt in the amount of {$53000.00} but not refund the payments from XX/XX/XXXX to XX/XX/XXXX. 

I had hired a lawyer but can no longer afford him. He mentioned that next steps would be to sue Chase for the wrongful payment but I don't have the means to do that. 

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

On my chase amazon account, I was on autopay and had a representative call me in XXXX to set up the remainder of the payments. Fhey told me the last payment would be a partial payment in XXXX, so when the partial payment came out in XXXX, I assumed, based on the communication from the company, that the account was resolved. I had gone to stay with my elderly inlaws during covid as it was the anniversary of my husband, their son, death and wanted to make sure they were safe. A neighbor who was collecting mail told me a letter came from Chase and I tried to contact them, but because of the COVID shut down, I was not able to get hold of anyone at the time. When I returned home, I promptly called and paid the balance due in full. I spoke to multiple representatives and none of them were willing to take the delinquent reporting off of my credit statement, even though their own repepresentative had told me in XXXX that the partial payment in XXXX would take care of the full balance owed. At no time did any representatives from the company try to reach out to me, nor did I receive an email alerting me to the account status being to the contrary. I would like to request the late reporting on this account be removed due to their misinformation and not contacting me in good faith.
Product: Credit reporting or other personal consumer reports

The company said they have not reported any late payment, but they have.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. XXXX  account # has violated my rights. 

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 instruction. 
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