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 for these violations.
Product: Checking or savings account

I received a promo code for a {$2500.00} bonus for opening an account and transferring {$250000.00} minimum for a period of 90 days. I made an appointment to visit my Bank, Wells Fargo in XXXX TX, back in XXXX. I was assigned to meet with banker XXXX XXXX, who spoke to me about the promo then assisted me by opening a new account and moving around the funds. Which at that time were totaling over {$300000.00} between my 2 accounts. XXXX XXXX assured me several times that the action he took was going to allow me to collect this {$2500.00} bonus promotion, as that was the sole purpose of my visit- to open a new account or do what was required in order to receive the sizeable bonus payment. After 90 days, and no deposit ever made as I had been promised in turn for keeping over $ XXXX in that account, I called to inquire and again was assured that XXXX XXXX had completed some form which was going to result in me finally getting the {$2500.00} promotion payment owed. After several more weeks, and still no payment I finally received a letter stating I was not eligible, so I immediately called the branch Manager, XXXX. I was told that the account XXXX XXXX opened was not eligible since it was not " NEW '' money. however, that was NOT stated on the promo email I received, nor did the banker ever at any time indicate or even check that what he was doing with my accounts would make them eligible. He was apparently too busy trying to discuss with me how to gain my business elsewhere. I have written several emails and spoken to the manager several times. AT this point, Wells Fargo is refusing to pay this promo, yet will not admit that the promo itself did not have any stipulations stating about not being able to already be a customer, and the banker himself didn't know obviously, even though it is their responsibility to confirm. Nothing has been done so far, and Wells Fargo is blowing me off and has had no response to any of my communications and has not paid me. I have been banking with Wells Fargo since XXXX! I receive these " promotional '' offers constantly, and normally do not choose to even attempt to participate... but for {$2500.00} I would have withdrawn my own money and seasoned it elsewhere for a week or so, then opened an account later that month to be eligible... had the banker been knowledgeable enough about the process. Now, I have wasted time and lost more money from having my whopping XXXX sit there all summer, waiting to sort this out with Wells Fargo! Seems a bit like a bait and switch scam to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello -- For some reason Experian shows me as having no credit whatsoever. The other 2 credit bureaus have accurate data ( score of about 800 ) but per Experian first cut call center, they do not have any data. 

The first 3-4 times I called, they either said the problem was with me ( " you must not have any accounts '' ) or with my credit cards reporting the data as told me to call my credit card companies ( I did, all of them said they are reporting the data ). 

I was finally able to reach somebody who was helpful that told me that Experian had accidentally done what is called a Split to my account. She was incredibly helpful and was able to see my full credit history in the system and said that Experian had somehow split the data from my existing account. She put through what she said was called a Split10 and that it would be fixed in 3-5 business days. 

After that time expired and it was not corrected, I have called back 5 different times. Each time I have gotten a different explanation ( first they said the Split had not happened, the next time it was and the issue was I had no credit after all, etc ). Each time ( except for the first rep ) they have quickly said they can not help me and then transfer me to a new department ... and then often they transfer me back to the other department. 

It is incredibly disheartening to see how terrible their customer service is -- nobody seems to care that having this error on Experian 's end has a big impact on their customers. Nobody is willing to offer to call back -- all the effort is put on the customer and they take no accountability. While I want this fixed, my bigger hope is that someone looks into their practices and requires them to be more responsive to their customers.
Product: Money transfer, virtual currency, or money service

I am deeply disappointed with how Zelle has handled my recent transactions. It appears that there was a significant lack of due diligence on their part, and the system 's failure to identify or prevent potential scams is concerning. Furthermore, I am dissatisfied with the lack of accountability in addressing these issues, as it seems the platform continues to operate without adequate safeguards to protect customers from fraud. Zelles failure to pursue scammers and ensure secure transactions has left me frustrated and concerned about the platforms reliability moving forward.
Product: Credit reporting 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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX  are consumer reporting agencies, and I am the Consumer. I also have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LOANCARE LLC XXXX # XXXX is a financial institution by definition under that title.15 USC 1681 section 604a section 2 states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' LOANCARE LLC XXXX # XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, LoanCare whether it be verbal, non-verbal, written, implied, or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LOANCARE Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) also states, " Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting without my permission which is against the law.15 U.S.Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and XXXX are not maintaining reasonable procedures. Also in accordance with 12 CFR 1016 .7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, EXPERIAN and XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.
Product: Money transfer, virtual currency, or money service

I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a committed PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Vehicle loan or lease

When entering my routing number from my checking account to pay my loan payment, I was off with one digit. I never received any email or correspondence saying the payment was n't received. Three months later, I applied for a used car loan and noticed that my credit score had dropped almost 200 points. I did the research and found the problem was with U.S. Bank. After contacting them, they were no help whatsoever. They said that I had 3, 30 day late strikes against me because the payment that I " thought '' I had made, was just moving to the following month, and so on. If I had not contacted them, I would be in a horrible position because they never even tried to let me know.
Product: Credit card or prepaid card

I have an account with Macy's/DSNB, account number # XXXX it was opened in XXXX I, ailed in my monthly payment in XX/XX/XXXX Well in advance, As y credit rating being in the high 700 's, I am a responsible hard working adult, father, and husband to provide for my family. So when I noticed that the check had not been cashed I immediately called Macy 's and paid over the phone. The representative said this has happened a lot with covid and the pandemic and that I would NOT be receiving a late payment. As I was relieved as we are in the middle of escrow to close on our new home that my wife and I have worked so hard for. Our lender calls, e and says there is a problem your credit score dropped 47+ points due to a late payment reported by Macy 's . 
I immediate call them and ask why? the representative was harsh and unwilling to work with me. She kept saying there is a language barrier. I did not understand what she was saying to me. She finally said You have an accent. I was born and raised in XXXX XXXX California. My family is XXXX. I have never been told in XXXX  years that some one could not understand me. She kept repeating herself in a rude manner and interrupting me " What did you say? I can not understand you!! I feel so completely discriminated against. I can not believe that Macy 's has made me feel this way. I have impeccable XXXX  as that is the only language I speak. I was lied to, put down, and discriminated against. Is Macy 's going to pay us back our life savings on a home we could lose because of a late payment that indeed was not late? The only resolution I will accept on this matter is for the late payment to be removed. the late is showing on XX/XX/XXXX. I have never felt so put down, I will contact the press if need be. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$5600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I am writing to register a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to dispute these inaccuracies, they continue to harm my creditworthiness and financial well-being. This letter serves as an official request for the immediate removal of these fraudulent entries. 

The fraudulent items on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 

I previously reported these fraudulent items to your agency on [ mention the date of your initial dispute ], providing supporting documentation and evidence to establish their fraudulent nature. However, despite my efforts, these items persist on my credit report, causing undue harm to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and comprehensive investigation into these fraudulent items, reviewing the documentation I have previously provided and any additional evidence that may be pertinent. It is crucial that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued dissemination of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please acknowledge the seriousness of this issue and its substantial impact on my financial well-being.
Product: Debt collection

CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I have unauthorized transactions all the time from chase. This time I had unauthorized XXXX transactions in which I reported. They are denying my claim which is around {$1200.00}. These transactions do not make sense as its different amount of XXXX sent to another person. I do not know what I am supposed to do and need help for this to come to a resolution.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX  and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute letter to Experian regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/2018. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/2018 I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.
Product: Credit card or prepaid card

On XX/XX/2022 I used my American Express card at XXXX XXXX XXXX in XXXX, WA. XXXX XXXX XXXX charges a {$0.00} fee on all credit card transactions. The restaurant does not disclose this fee before charging the customer. There is no written notice anywhere in the restaurant and no verbal notice. I asked for a refund of this fee but it was refused.