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

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress identify you and your account.

( 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!
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 



XXXX XXXXXX/XX/XXXX Experian RESIDENT VERIFY XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax after discovering the reinsertion of a bankruptcy on my consumer report. I sent in a letter to dispute reporting of a XXXX XXXX account and their response was to reinsert a bankruptcy that was deleted. I did not give Equifax or any of it's affiliates permission to report this private information. They will most likely respond the way they have previously claiming the information is public and received from a third party. It is not XXXX XXXX because I am opted out of XXXX XXXX and have been for years. It is also not the " furnisher '' because the US bankruptcy court has confirmed they do NOT provide information to credit reporting agencies because it is PRIVATE. I am not interested in a long drawn out battle. I am livid. I demand the items be deleted IMMEDIATELY along with compensation for Equifax 's willful noncompliance in damaging my reputation without my consent or notifying me per the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a fraudulent charge for the XXXX XXXX ( in XXXX, XXXX ) for {$1900.00} on my Jetblue Mastercard. JetBlue alerted the fraud and I called to lock the account and get a new card sent to me. The charge was removed from my account. Two months later on XX/XX/XXXX, the charge reappeared on my account. I called Jetblue Fraud and asked why the charge was put back on the account and they said after an investigation it was put through as valid. I was never in XXXX, XXXX so I asked what documents they had to come to this conclusion. They said they had merchant documents, but those said documents didn't have my name or address on them, so I asked to re-dispute the charge. They said to wait 10 business days and I waited longer and never received a response. I called back XX/XX/XXXX to ask about the now re-disputed charge and was informed that they closed the investigation and were leaving the charge as valid because of the card being in person or something to that effect. I was in New York this entire time and never traveled outside the country, so my card could not have been in XXXX. I have charges on other credit cards from that same day in New York, one of which I have attached and highlighted charges made in NY on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not trust Jetblue to do their due diligence and would greatly appreciate outside assistance in this matter.
Product: Checking or savings account

Robinhood froze my checking account in XXXX of 2021. It has been frozen for 4 weeks now. Originally they had claimed that someone had tried to link my account with another bank account, that may have been done without my permission. They originally said that I needed to verify my identity with them to unlock my account, as soon I as did that they started making more demands to verify apps linked to my account such as XXXX and XXXX. 

I am requesting that the CFPB tell Robinhood to unfreeze my account immediately because they have done so without any explanations whatsoever! They have treated me like GARBAGE and I demand they release my account back to my possession right now!
Product: Credit card or prepaid card

XXXX XXXX XXXX opened a credit card with Discover in my name without my authorization or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from XXXX, Equifax and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I gave written notice of dispute to Clarity Services disputing multiple items of information as inaccurate and the result of identity theft. A XX/XX/XXXX consumer file disclosure did not identify those previously disputed items as " disputed, '' nor were those items deleted. As of the undersigned date, Clarity has refused to provide disclosure of 1 ) the reinvestigation procedures used to investigate the disputes, 2 ) identification of the business name and address contacted during its reinvestigation, or, 3 ) the business transaction records and applications evidencing the identity theft against this consumer, all pursuant to 15 U.S.C. Sections 1681i ( a ) ( 6 ) ( B ) ( iii ) ; 1681i ( a ) ( 7 ) ; 1681g ( a ) ( 2 ) ; and 1681g ( e ). Clarity has received correspondence from consumer consisting of a XX/XX/XXXX dispute ( which includes a XX/XX/XXXX request for disclosures and the XX/XX/XXXX dispute with exhibits ) and a third request for these disclosures made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the XXXX time reporting this issue. XXXX is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. XXXX time is a mistake, XXXX times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.
Product: Credit card or prepaid card

I went to go to netspend.com and search for a netspend debit card and i went to enter my information like first name, last name, my address, zip code, and my email address and it said we are unable to complete your request at this time and it won't let me go in to enter the next step to do what i had to do what i post to do in the second next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that my file has been compromised. Again, I was going through my records & noticed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX Accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXwhich do not belong to me. I have sent a letter to Transunion on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.
Product: Bank account or service

I did a refinance on my home and included my Bank of America credit card to be paid off in the refinance. I gave the mortgage company a copy of my current statement to be able to pay the account in full. They did pay the amount that was listed on the statement as New Balance Total by the due date. Now Bank of America is charging me additional interest from the monthly closing date till the date the account was paid supposedly in full. How can they charge interest above what they have referred to as New Balance Total when it is paid before due date. I have never had another company charge interest if the account was paid in full before the due date. It makes me wonder how much money the are making off people who have not noticed this and just paid them. One more way to stick it to the consumer. Could you please look into this and get back with me. Thank you.
Product: Credit card or prepaid card

On XX/XX/2021, Synchrony Bank ( they own PayPal Credit ) cancelled my PayPal Credit Account due to inactivity without any advance notice or warning to me. This is not good as the closing of this account lowered my credit score. Synchrony Bank/PayPal Credit should be looking out for its customers instead of damaging their credit scores. I should have gotten some kind of warning or notice from Synchrony Bank/PayPal Credit asking me if I wanted to keep my PayPal Credit Account active. This company is a joke!
Product: Debt collection

My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX debt collection agency reporting on my Experian, XXXX, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor Smoky Crossing apartments made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXX 's name is removed from this lease so it should not be reporting on my credit reports with XXXX, Experian, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.
Product: Credit reporting or other personal consumer reports

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation.

As far as Im concerned all of the inquiries, hard & soft does not belong.

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth.

Thats a violation under the FDCPA Everything furnished on my report as of 10/12/23 is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. has clearly shown gross misconduct in handling private data that I and other consumers have at best implicitly allowed them to have. Further there was gross negligence in allowing private information to be stolen and possibly distributed in public forums. The company delayed informing the victims for at least five weeks in order for high-ranking employees to cash out stock options, and not offering a legitimate remedy for the situation besides offering their own product. I am listed as a potential victim according to their equifaxsecurity2017.com website, and am now at risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX about the accounts on my report belonging to my brother for the vehicle he now has and previously had and traded for newer trucks and jeeps. They never responded nor removed his credit checks off my account. I've never owned a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I own a used XXXX XXXX XXXX XXXX which is financed through XXXX XXXX XXXX. His credit checks for his truck which he traded was through XXXX dealer service is on my credit report. His XXXX which was through JPMCB is on my report and his now XXXX XXXX XXXX XXXX is financed through XXXX XXXX XXXX XXXX is on my credit report. These are all dated XX/XX/XXXX. There's a XXXX on my report which I have no idea what it's for and XXXX XXXX XXXX on my credit report also that showed up the first of this year along with everything above. But I don't understand why they put these on my report this year they weren't on my credit report last year. We don't have the same social security numbers, we just share the same address. We are brother and sister, I'm XXXX and he gives me a place to live. I had really good credit before this got added to my report. It dropped my scores XXXX points. How fair is this to me?
Product: Credit card or prepaid card

I filed a dispute on XX/XX/XXXX with bank of America for a prior transaction that took place XX/XX/XXXX for {$2800.00}. Bank of America guaranteed me that they would resolve it within 90 days immediately when I filed the claim and again when I called to check the status over one month later. It has now been 93 days since filing the dispute and I still have not received a status update or resolution. I called to speak with them about it and they told me they will escalate the claim and that they do not have a policy for what happens if they fail to resolve within 90 days. I have been a loyal  customer since XXXX and this is the only claim I have ever filed, I am very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from TransUnion regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to TransUnion causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through TransUnion to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.
Product: Credit reporting or other personal consumer reports

After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. 

I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. 
As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$22.00} to PayPal Credit and {$23.00} to PayPal MasterCard. Both payments were " refunded '' on XX/XX/XXXX. My bank ( XXXX ) has NOT, I repeat NOT received a request for the payment. I have over {$18000.00} available to pay these two little amounts. It has nothing to do with XXXX. Synchrony has in internal issue they refuse to investigate. They have damaged my credit and I want a THOROUGH investigation into their system to determine the correct this issue and restore all my accounts along with an apology letter for the damage to my credit and lack of customer care over the past six months. 
LIKE LAST TIME, I HAVE INCLUDED MY ACCOUNT ACTIVITY FROM THE PAYING ACCOUNT! USE IT INSTEAD OF LECTURING ME ON THE DEFINITION OF A " RETURNED '' CHECK. WHICH IS A TERM NEVER USED ON ANY OF THE ACCOUNTS AND WHICH HAS NEVER HAPPENED!. READ THE TRANSCRIPT FROM XXXX STATING SYNCHRONY HAS NOT BEEN SENDING ANY REQUESTS FOR THE PAYMENTS I HAVE AUTHORIZED!!!! 
THE ONLY THING DISHONORABLE HERE IS THE ATTITUDE AND NEGLECT OF SYNCHRONY BANK. ZERO PROBLEMS WITH TWO PAYPAL ACCOUNTS FOR THREE YEARS! AGGRAVATION AND ATTITUDE EVERY SINCE.
Product: Consumer Loan

I purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.
Product: Credit reporting

When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.
Product: Mortgage

XXXX In XXXX we were on a mandatory shelter in place, my servicer offered a forbearance verbally, I was told the missed payments go to the back of loan. 
XXXX My forbearance ended in XXXX, the lender didnt place late payments to the back of loan as agreed by their staff I was told apply for loan mod so I did in XX/XX/XXXX2 weeks after applying I was denied although their SOP says 30 days or more to make a decision, citing the investor XXXX XXXX declined to help me. 
I appealed their decision and reapplied for a loan mod, less than 1 day later I was declined, citing the investor XXXX XXXX declined to help me. 

XXXX the lenders website provided a link to California mortgage grant program, so I applied, I was denied by the program, because my balance was over the threshold I Called lender asked to ask if I can send payments to bring down my balance I was told no and yes depending on who answered phone calls. They said the investor said no I was referred to Hud counselor to help me I contacted a Hud counselor in XXXX and he was able to work with the lender and the lender agreed verbally and in writing they would work with me to pay down the delinquent balance so I can qualify for the grant, they said they will hold payments in suspend and not send them back We mailed in 2 {$5000.00} checks, the lender refused the checks, and sent me a letter saying I cant make partial payment although they agreed I could in writing and verbally. They returned my payments. The lender asked me to wire the payments, so I did. I called the lender and emailed the lender to provide my wire transaction detail. The wire transaction from bank to their bank were successful. 
All payments were posted to my delinquent balance. I was below the threshold to qualify for the grant, I emailed the lender and asked them to call grant program per our agreement, the following day all of the wired payments were reversed disqualifying me from a government program put in place to help borrowers The lender said they cant find the payments. Although the payments were posted to my account, I sent the lender multiple screen shots and proof again that they had my wired payments and showed proof they were posted I sent the lender their own transaction records from my portal, I sent the lender their letters showing they acknowledge my payments. I said you didnt lose any payments you removed them from my account after they were posted. The lender has now on purpose disqualified me from receiving help to save my house, this act was deliberate inflicting emotional pain and stress. I copied my certified hud counselor on all emails so he was aware what this lender was doing to me I advised him I cant breathe, my XXXX XXXX is raised and this lender has targeted me because they know I am an older borrower. 

The lender that services my mortgage has deliberately try to intimidate me due to my age they refused 2 loan modification to save my home. Now they took money from the balance to make me over the required amount to qualify for a government program.
Product: Debt collection

XX/XX/year> company is not using english copyright association of first name that is two compounded capital letters with a space and continuously tries to read name by XXXX persons attack and hate on given name that evades the personal space and privacy of customer. I was denied an adjustment to account from XXXX by customer service and told to speak with another department that was not available. I feel challenged and like someone is trying to harm me for account by denying I finances established with justice in legal name. Company director is refusing I services for having equal credit and doesn't act in positive manner for I.