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

On XXXX XXXX I reached out to Cashapp about transactions being made on my account that were malicious, not authorized and fraudulent. I supplied cashapp with enough information to investigate the claim. 

However Cashapp has acted negligent, unfair and abusive in this investigation as they immediately declined my disputes less than XXXX hours. Cashapp never reached out to the merchant, nor did they conduct a full on investigation into this matter. My funds are XXXX insured and protected as a consumer and cashapp has chosen to decline this right the consumer has. 

I requested documentation from cashapp to determine why they made their decision to quick with no real investigation. What they sent me was a document that resembles a receipt/invoice of the transaction. However within the document itself, it shows the XXXX was never present, which means someone could have stolen my information and make an online purchase without my authorization. 

I have been charged multiple times, by the same merchant and I have not received any relief. I am making a formal complaint for my own records and documentation, to have proof of my administrative process into seeking remedy before XXXX  XXXX XXXX XXXX XXXX and/or arbitration. 

A company by the name of XXXX which has been located in XXXX XXXX and then relocated to XXXX has made several charges to my cashapp with a start date of XX/XX/2023. amounting to a total of XXXX  I have repeatedly attempted to give cashapp the opportunity to recover my funds but they have failed. attached you will find screenshots and documents sent by cashapp not show cashapp has not supplied me with enough proof, or a statement in affidavit form, sworn under penally of perjury to determine and justify their actions. the documents supplied to me are a insult and a XXXX to think one can determine these transactions were valid or not, especially after only XXXX hours without no real investigation. 


I will remind Cashapp, this discrepancy represents a clear case of material misrepresentation, and I assert that it is fraudulent in nature. The United States XXXX XXXX  has consistently recognized the obligation to refrain from making fraudulent misrepresentations with the intent to induce another to act or refrain from action based on such representations. 

Govern yourselves accordingly these are the following disputed transactions. 

I ask cashapp to supply me with the proof from the merchant that these were authorized by me with my own signature or identification. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was experiencing a lot of problems with their website. I had to call their technical support, they too had trouble helping. I then was able to add my checking account, struggled to make a one-time payment, and then setup autopay. 
AutoPay did NOT work and I got stuck with a fee. I immediately logged back in as soon as I received an e-mail from them and paid 4 times as much as the required payment, then again re-setup autopay ( it took two attempts again .... ). I called today to discuss this with the customer service representative whom was extremely rude and provided ZERO assistance. Additionally, it appears that they dropped my credit line without any notice, nor could he say why. Horrible company to work with.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX acct # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX acct # XXXX XX/XX/XXXX XXXX XXXX XXXX. acct # XXXX date opened XX/XX/XXXX XXXX of XXXX XXXX  acct # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  acct # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/XXXX XXXX  acct XXXX XXXX date opened XX/XX/XXXX XXXX acct # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX opened XX/XX/XXXX XXXX of XXXX XXXX  acct # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX opened XX/XX/XXXX XXXX  XXXX XXXX  acct # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX date opened XX/XX/XXXX XXXX
Product: Bank account or service

I was charged an overdraft fee when my account was not overdrawn. I went into the bank yesterday to ask if they would reimburse it and the banker was very arrogant, started yelling and making false statements about the account, and now, today the ban has called and wants to force my accounts closed. They are joint accounts in mine and my husbands name, and he did not say a word to them. I was the one who tried to resolve the problem about the overdraft fee. We do not want our accounts closed as we both have direct deposit and also have our home mortgage with this bank. Please help as I have done nothing wrong.
Product: Debt collection

XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/2024 Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, Subject : Update Request for Discharged Debt ( Account Number : [ Your Account Number ] ) I hope this letter finds you well. As a securities transfer agent, I understand your responsibility to wire our securities to the treasury for the purpose of discharging public and consumer debt. I assure you that I am committed to providing any additional documentation or information necessary for the proper handling of this transaction. 
I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 
I kindly request that you take the appropriate measures to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes but is not limited to, updating internal records and informing any relevant third-party credit bureaus about the status of this debt.

Please ensure that any information previously reported regarding this debt reflects its discharged status accurately. It is imperative for the accuracy of my financial records and credit profile that this information is promptly updated. 
The purpose of this transaction is to effectuate the wire transfer of my securities to my XXXX Account. The XXXX Account information for the wire transfer is as follows : XXXX Account Information : * Bank Name : XXXX * ABA Number : XXXX * Account Number : XXXX Should you require any further documentation or clarification regarding this matter, please do not hesitate to contact via email at XXXX. 
Thank you for your attention to this request. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Credit card

I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close my account.
Product: Vehicle loan or lease

To date, Santander Consumer USA has not provided a response. See attached documents.
Product: Checking or savings account

previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed onXX/XX/XXXX. On XX/XX/XXXX my girlfriend attempted to open a XXXX XXXX XXXX account and the rep stated that she had to pay a past due amount owed by me at our address because of a roommate policy. 

So she paid the past due amount of approx. {$190.00} owed by me on XX/XX/XXXX. Thus satisfying my debt. 

I then noticed in subsequent months that my credit report reflected this balance that I had with XXXX XXXX XXXX was not resolved. I have made several attempts to resolve this with both the XXXX XXXX XXXX XXXX and their Debt Collection Company Diversified Consultants. 

One of my calls was on XX/XX/XXXX I did not receive any resolution at that time. I placed another call was on XX/XX/XXXX at which time I was given a ticket number and told that in 5 business days it would be resolved and that I would receive a confirmation letter in the mail. I did not receive any letter about this nor any resolution. There was a 3rd call that I also placed which I was also given yet another ticket number and no resolution. 

Today I have called for the 4th time almost 2 years from the start and they simply generated another ticket number to string me along the same process yet again. 

They have damaged my credit for the past 2 years making it difficult for me to obtain credit from lenders, by continuously reporting an account in collections that is still outstanding at {$190.00} under the name Diversified Consultants. 

I have been sent back and forth between XXXX XXXX and Diversified Consultants who both say they do n't have the account and point to each other for me to get answers.
Product: Credit reporting or other personal consumer reports

I noticed fraudulent activity when my XXXX XXXX was reduced by XXXX points after an unusual credit card was taken out using my credentials XX/XX/24. The company is XXXX XXXXXXXX. I live in XXXX. This company doesnt even have stores close to XXXX  XXXX I attempted to cancel this card with the company itself and they could not cancel it since I didnt have the account number. Since this is fraud, I dont have the credit card or the account number information to cancel it. 
I disputed this with XXXX and they said its all correct and not fraud. 
This is fraud. I can not even cancel this card apparently in my name since I dont even know have access to the account. 
So whomever opened this account and already spent XXXX $ on it gets to continue using this card since this account can not be closed since I dont have access to it but yet everything is in my name.
Product: Credit reporting

I have made numerous attempts to access my free credit report from Experian through XXXX. Although the other credit reporting companies have provided me with my report, my request from Experian always meets with the response " A condition exists that prevents Experian from being able to accept your request at this time. '' There is no way to speak directly to a human being about this problem : the company 's telephone number simply leads me back to recordings that direct me to the website or tell me to make the request by mail. The point of the annual credit report website, however, is to make this information available online. Their refusal to provide any means of contacting the company through normal channels is unacceptable Experian has provided me with no way even to seek redress about this problem, so I submit the complaint here.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX  and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit card

We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.
Product: Mortgage

My husband and I applied for a mortgage loan from XXXX XXXX at Caliber Home Loans. We were also working with a Mortgage Broker representing various other lenders in an effort to secure the most favorable rate. Throughout the process with Caliber Home Loans, XXXX XXXX, never once mentioned to us that her rate would include a charge for points. Throughout all phone conversations with her and in all of email exchanges back and forth, she never revealed to us that her interest rate of XXXX included a fee for points. On XX/XX/XXXX, we advised XXXX that our closing date was changed to XX/XX/XXXX, and we asked her to provide us with her firm rate quote as it was our intention to lock in the rate prior to our closing. She responded to our request exactly as follows : Hi there! Good news on moving the closing so we could lock. The market is bonkers and rates are really creeping hard. I locked you ahead of another bad pricing change so we are at 3.650 % right now and can get to the XX/XX/11 closing date. 

As you can see from her response above, she said nothing about points being charged. My husband responded to her at that time and advised her that we had an offer from another lender for 3.62 % with 0 points and asked if she could match that rate which was slightly lower and she responded by saying that they did not have that rate option but reminded us that she would not be charging us for an appraisal. Even though we advised that the other lender was not charging any points, she still did not disclose to us that her interest rate was based on points, which ultimately cost us an additional {$5900.00}. 

We did not realize that we were being charged points until we showed up for our closing and the closing agent pointed out the points being charged. XXXX did send us a rate disclosure document, electronically for signature, and on page XXXX, in fine print, the document showed the charge of {$5900.00}. From our perspective, she was deceptive and unethical by failing to disclose the points to us, but rather hiding them on page XXXX when she later sent forms over to us for electronic signature. If the terms of a business transaction are clear upfront, consumers are able to understand their options and effectively comparison shop. We had an expectation that Caliber Home Loans would compete fairly and ethically, but that is not how I would describe our interaction with this company. We will provide documentation of our claim. 
Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, Experian and XXXX continue to report inaccurate items and accounts on my report. These accounts are not my accounts. I have disputed this information but Experian has not sent me any documentation showing me how the accounts were verified These accounts have the wrong name and are not mine. I now have obtained legal counsel and have been advised to file another complaint for the record with attached documents that were received by Experian on XX/XX/2023 via USPS certified mail. Experian is now saying that I don't have enough credit to produce a " FICO '' score but still show these accounts on my report. Experian also still displays inaccurate names and addresses on my report, despite being sent the proper information several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

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

I have contacted XXXX over the telephone regarding a collection that credit collections is reporting. XXXX and credit collections do not respond to the letter I have sent them. 

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to XXXX *
Product: Debt collection

On XX/XX/year> I received a letter from my bank ( XXXX XXXX XXXX that my funds have been frozen by a debt collector ( XXXX XXXX XXXX ). The funds in that account are solely from Social Security, as I receive XXXX benefits. Them funds are not Garnishable unless its from the Government. My right as a Consumer have been VIOLATED. Both by XXXXXXXX XXXX  for not telling the debt collector my funds are protected and solely come from Social Security as a direct deposit. The funds so far frozen total {$460.00}, that I now have no access to. Tomorrow I am going to the court house to request a hearing with the judge, explaining my XXXX funds are non-garnishable, and request the funds be released immediately. If the debt collector had asked for proof from me as to this account and where funds come from I would have sent to them but they never asked me. I have sent so far 2 payments to debt collector XXXX $ in XXXX and another XXXX XXXX for XXXX so far and will continue to send till I die. This should be punishable to both the bank and debt collector for violating my consumer rights.
Product: Mortgage

Twice we requested modifications and were told that we were eligible. We were then instructed, both times, to discontinue payments while the request was being processed. Then at some point, each time, we were told that we had missed multiple payments and had defaulted on our loan and were in jeopardy of losing our home. Twice, we had to fight to keep and maintain our loan ; then twice we were penalized {$15000.00} ; and eventually the modifications were granted. After, purchasing the home in 2007, we currently owe more now than when we originally purchased the house. Even during COVID, we accepted their assistance to stop payments for XXXX months ... they did the exact same thing saying that we were in jeopardy of default! We promptly removed money from our XXXX and paid the past due amount. We explicitly follow their directives and are severely penalized for it. I have complained multiple times, but to no avail. It's a scam! 

It's an offense that borders on racketeering and other criminal actions. I have been fighting to have those penalties and all associated costs ( taxes, interest, etc. ) removed. We have lived in our home since 2007 and we owe {$20000.00} more than our purchase price. CRIMINAL! 

Please, help. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate an unknown information on my credit report. To this day over 45 days later I still have not heard anything about any investigation. I feel im being taken advantage of an being ignored about my dispute. Section 611 ( a ) it clearly states that any failure to investigate these items within 30 days gives grounds for immediate removal for my credit report. It has been over 45 days. They need to be removed promptly. I demand these items be deleted immediately or I will file litigation due to the stress you caused me also my information may have be affected by the equifaxs data breach.
Product: Checking or savings account

BBVA bank were supposed to submit a claim after my debit card number was stolen off of XXXX by XXXX employees. I submitted the claim on XX/XX/2020, and the rep told me he turned my debit card off permanently so no one could use it again and he claimed he ordered me a new card. A month went by and I called back to find out why I was still seeing charges to the old card, and why my account was negative, it was because they never Actually submitted the claim and instead ignored my claim and told their boss that they did not turn it in because they needed to update my address- which was a lie, they thought I forgot and tried to sabatoge my account, stole my closed card, and tried steal my claim from me.