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

I 'm filling a complaint against  XXXX  credit bureau Experian,  XXXX , and  XXXX . I checked my credit at  XXXX   XXXX  which send me an alert that my  credit score has changed. I checked my credit score on   XXXX   XXXX . My  credit score  had fallen very low from going  XXXX  to  XXXX   ( Experian ),   XXXX  to  XXXX   (   XXXX   )  " I was Mad ''. They are going old information that been removed. One I do n't have a Bankruptcy. Second I do n't have  a Tax Lien. I w ant all information remove " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
Product: Credit reporting or other personal consumer reports

Bank is : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I XXXX XXXX XXXX that the Retail Installment Contract # XXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did Ii have knowledge of the said Collateral.

I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which may hereafter be instituted in connection with he matter of the Affidavit.

FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.
Product: Checking or savings account

For the last two years, my account has been subject to a {$1.00} monthly fee by HSA Bank. I never signed any document authorizing such a fee or was given a notice of such fee. After noticing the fee, I called HSA Bank, and they told me the fee is for paper copies of statements. However, I verified with them that I did not receive and have never received paper statements. After confirming their mistake, they offered to waive 6 months of the fees, but I still haven't received ANY refunds. It is unfair and fraudulent to deduct money from my account without being able to explain why money is being deducted.
Product: Debt collection

I disputed this month 's ago and it was removed. Now, I'm not sure what kind of magic they added. But this thing is back on my credit report, and I'm not paying for someone else 's criminal activity. 
The credit card was being paid but not being used often. One day I noticed my balance wasn't decreasing at all even after making payments, then I started to investigate and found out there was transactions made at a XXXX  in XXXX. Immediately I knew my card info leaked. In America we call that FRAUD/SCAMMING. Someone made XXXX or XXXX purchases AT THE STORE which caused my accounts balance to continue to stay high. Thing is, during the dates of the transaction back in XX/XX/XXXX - XX/XX/XXXX year 2022 I was in XXXX XXXX at the XXXX XXXX in New Jersey. Which is miles and MILES away from XXXX. I even had tickets to see XXXX XXXX perform live on XX/XX/XXXX. I STILL have the tickets and purschase info. So my QUESTION is how can I go INSIDE a XXXX  XXXX  IN XXXX and also be at XXXX XXXX stand up show in XXXX XXXX all at the SAME TIME? When i first called and mentioned this the bank failed to provide me with a legit answer and said they'll investigate. From what I've experienced when a bank INVESTIGATES fraud activity or unknown transactions they call the customer to verify other past and present transactions. Well that wasn't done they never even asked if ever been to XXXX. And if you check my previous transactions under that credit card there's NEVER BEEN ANY PURCHASES IN XXXX. That should've been an immediate RED FLAG. Another additional information is that this bank didn't have any fraud PREVENTION ALERTS. If I would've been notified about the transactions made in XXXX via text or email. I could've replied VIA TEXT OR EMAIL and said '' No Do Not Approve '' to stop the transaction from happening. Days later they still said I'm responsible even though I spoke in details about being in XXXX XXXX during the transactions. We are talking about a balance of {$160.00}. I have the money, but I will never pay this. I rather pay a LEGIT DEBT of {$2000.00} that I genuinely did than pay a fraud debt of {$160.00}. I will never pay for someone else 's crime. I'm a victim of fraud while still having possession of the PHYSICAL CARD. That's the part that shocked me the most. Whoever scammed me had my card info without having my actual card. Even after the bank sent me a NEW CARD. Let 's not FORGET THIS WAS DURING COVID 19 TIMES. Scamming and fraud was at a all time high. I stop dealing with them and never activated the new one in fear that the same thing would happen and I would still be held responsible. I lost trust in them and felt like they were more against me. As if fraud or scam isn't possible in today 's world.
Product: Mortgage

Upon New Rez taking over servicing they have attempted to force place insurance to add wind coverage to an H06 policy several times. There is a master HOA policy in place that covers the unit up to the full replacement cost. The LTV is less than 50 %. We have NEVER been forced to have wind coverage for the contents. This coverage is completely unnecessary and is not required of any of the other property owners in the complex who had the good fortune of not have their loans serviced by NewRez. In the past, New Rez has eventually cleared the matter, but it takes hours. This time they are unwilling to accept the insurance provided. None of the policies or coverages have changed in the past 6 years and this only became an issue once New Rez took over. To make matters worse, their agents are rude and condescending. This company is the company that gives servicers a bad name, and this this case the bad reputation is well deserved.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There a collection agency that is threatening to sue me for A account that they are not the original owner of for the account Other thing is the amount is of interest isnt inaccurate
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$750.00}
Product: Money transfer, virtual currency, or money service

I was sending money with Moneygram application. I sent two transfers from the same account, with the same account information, to the same receiving account, with the same receiving account information. One was processed correctly, the other never went through after a week. I attempted contacting Moneygram, but instead of responding, they cancelled the transaction of their own choosing. 

Now, they don't want to refund me the full amount, saying they provided a service, so they are keeping the processing fee. They definitely provided me no service, and owe me the processing fee back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX identify account number by social security last XXXX XXXX number, XXXX XXXX identify account by social security number last XXXX XXXX XXXX. XXXX USC 1692 c Law clearly states If a consumer refuses to pay a debt, the debt collector must cease all communication. Including removal of credit reporting.

3. 15 USC 1692 ( g ) debt validation. Validate the debt, according to consumer law once notified debt collector must immediately stop reporting or validate the date.

4. 15 USC 1681 ( b ) Permissible purpose. Please send me an original contract with original wet signature proving proof consumer in contract also a verified letter of consumer giving authorization to report on credit report. This is a direct violation of consumer law sit in place by the FRCA and USC.

5. 15 USC 6802. ( OPT OUT ) Company refusing my consumer rights to opt out a direct violation of my consumer protection rights.

6. 18 USC 1028 ( a ). Passing information without lawful authority. Is Aggravated Identity Theft. Experian XXXX and XXXX are all involved in this conspiracy with these debt collectors.

7. 15 USC 1692 ( f ) part 6 unfair practice. Disclosure of personal information to a third party without authorization from the consumer is identity theft. Every company on the credit report is involved in identity theft including Experian, XXXX and XXXX. When a company send a collection agencys, repo companies a consumer personal information without authorization from the consumer, thats identity theft and its being reported on these credit bureaus platform is the proof the courts need. 
No consent has been authorized from the consumer XXXX XXXX XXXX Therefore Experian, XXXX and XXXX must be Investigated also for playing a major roll helping these companies violate every major consumer protection law, under USC. also send the consumer a full report on everything law mentioned above showing every company is operating by FRCA consumer laws and not in violation of not one law mentioned above including all three credit bureaus, please show proof that your companys are not in violation of any code mentioned above which if not operating under law. A judgment of summary must be filed on each and every company in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Student loan

I paid my XX/XX/XXXX payment on XX/XX/XXXX, which was late ; since my due date is the XXXX. I noticed my student loan monthly payment went up to {$200.00} when Nelnet emailed me on XX/XX/XXXX. Also I made 3 payments in XX/XX/XXXX to make my account current. I called Nelnet 2 days later on XX/XX/XXXX twice to find the reason why my monthly payment increased. I don't remember the first reps name, but she told me the reason why my payments went up, is because I'm on the graduated payment plan and I've already made 24 monthly payments. That is a blatant lie, since my loan transferred to Nelnet in XX/XX/XXXX and I paid {$190.00} that month, which was my monthly payment I had at XXXX XXXX before Nelnet took my loan over. Nelnet in a letter I received said it would be ok to pay that same amount for first month and then I would have to pick a payment plan. I picked the graduated plan and for the first 24 months I would pay {$160.00}. So, I called back after doing some research to find out how many payments I made. I actually only made 16 payments up til that point, so I should technically have 8 more months, now 7, to go before my payments go up. I called Nelnet back the same day and spoke to XXXX ; I explained the reason for my call and what the first rep said. After a couple minutes of XXXX reviewing my account, she said the reason my payment increased, was because interest had recalculated when I get off the auto debit program, which makes no sense either and I even stated that on the phone before the call ended. That answer isn't legit either. I was on the auto pay at the end of XX/XX/XXXX for a couple months and when I got off of the auto pay program my payments never went up, because of the interest recalculating. So, at that point I emailed Nelnet to see If I could get a correct answer, since obviously the reps that are working at Nelnet have no idea what they are doing and talking about. Nelnet emailed me back a few days later and said in the email to call them. I called Nelnet on XX/XX/XXXX and the rep said that when my loan came over Nelnet ; Nelnet didn't have the right terms for the payments, so when Nelnet found out, the terms were corrected. I a lot of things are wrong with this : First off, the first 2 of the reps lied, which I'm pretty sure is a violation of the FDCPA. Second it shouldn't have taken 3 calls to get the correct answer. Third I shouldn't have to bite the bullet per se, because Nelnet couldn't do their job before they took complete ownership of my student loan in the first place. Lastly a flag should have been seen by Nelnets system between the {$190.00} payment and the {$160.00} payment. So, I applied for an income driven payment plan.
Product: Vehicle loan or lease

I applied for an auto loan with pNC bank and was denied on XXXX XXXX. PNC bank has used my social security number for their advantage but has discriminated against me and violated my consumer rights by denying me of my credit. As of now I have not gained anything from PNC BANK using my social security number which is considered unauthorized use.
Product: Credit card or prepaid card

Below is a screens hot letting me know that my 6 month special only has 2 months left. Well If it didnt take you 4 months to fix a returned item dispute perhaps this would be solved by now, and if your system didnt block my payments, perhaps I could have paid off the remaining balance for the other items I have purchased on the card. 

I called two weeks ago and asked to settle this matter and as usual your customer service says to me, I will have someone call you back and I am noting your account. I am getting really serious about stopping the use of most of my Synchrony products due to your customer services being so horrid, along with your disingenuous representatives who are so obstinate about getting anything done. Plus, the fact that all the overseas call centers are such an encyclical annoyance with horrible services, which are never fast or completed in a timely manner. Below this letter is a copy of the original letter sent to you for the. 

I would like to see this matter resolved, or settle between us both soon as possible. Also I ask for the 6 month special to be honored at 6 months. It is not my fault that your merchant wont respond and that you cant understand that the tires were incomplete and have been returned. How can you change a person for a product when they dont even have the product? Even for basic information I have to call multiple times and wait 2 weeks for mailers to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is currently being investigated or as consumer disputes. Furthermore, Equifax is not supposed to score the contested information against me during the verification process. Equifax has violated the Fair Credit Reporting Act on numerous occasions. 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the Bankruptcy XXXX XXXX XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the XXXX Bankruptcy XXXX or XXXX XXXX XXXX. I have also attached a letter from the XXXX Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

Lastly, Equifax has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the XXXX Bankruptcy XXXX or XXXX XXXX XXXX ).
Product: Debt collection

Portfolio Recovery Associates are trying to collect on a debt that was paid in full in XX/XX/2017. ALL original documents and proof of debt paid are saved. They are calling me from multiple numbers from multiple states telling me to pay again several times a day. I have told them I paid and to stop calling. The person I spoke with said they didnt care and that they would harass me within the laws until I pay again. They have started sending me bills in the mail stating the debt is past limitations to collect so they will not report to credit bureaus or sue me - they just want more money from me on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am behind on payments and I have an arrangement w the office to pay on XX/XX/23. 
I have had this arrangement since XXXX. I don't break sets. They call everyday anyway. I block the calls, calling me isn't going to get it paid faster. Sometimes they call two or three times a day. Seems kind 've XXXX to me. 

So yesterday they made an inquiry on XXXX. I guess to generate a call from me. I already have a set. So my score went down 10 points on that bureau. I do not appreciate it.