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: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing inaccuracies. The late payments are inconsistent with my regular payment behavior.
Product: Credit reporting or other personal consumer reports

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

1681N-Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX ( late payment ) account # XXXX PLEASE HELP ME WITH THIS INACCURATE LATE PAYMENT REMOVE/DELETE XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE OUT OF MY CREDIT REPORT..
Product: Vehicle loan or lease

XXXX XX/XX/XXXX we got the okay to defer our car payment for that month and an additional month would be added to the back end of the contract. On XXXX XXXX I made my car payment for XX/XX/XXXX. The break down shows my car payment only ADDED interest, didn't take away interest or principal, it only added it. The payment was {$690.00}. I also noticed that my payment went through as XXXX XXXX when it has always went through XXXX XXXX.
Product: Credit card

Transaction Details : Date : XX/XX/year> Amount : {$360.00} Merchant : XXXX XXXX Actions Taken : I disputed the charge with Chase Credit Card, claiming the item was returned on XX/XX/year>. 
On XX/XX/year>, Chase informed me that the merchant provided information supporting the charge 's validity and requested further details from me. 
On XX/XX/year>, Chase concluded their investigation, stating they found no record of the return and considered the charge valid. 
I received a final notice on XX/XX/year>, that the dispute was closed and the charge would be applied. 
It is clearly that XXXX / Chase ignored the fact that the item was returned by me on XX/XX/XXXX with XXXX 's own shipping label.
Product: Mortgage

During my home loan process, I notified the loan officer the taxes were not correct on the XXXX. I was told this would be corrected. I just received my first mortgage bill and it does not show the correct amount. The mortgage company informed me that whatever I signed at closing and what the loan officer put in is what they will go by. I offered to send them the bill and directed them to the county site. They informed me again, nothing they can do.
Product: Credit card or prepaid card

An unauthorized party stole my debit card information and withdrew funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/20 to XX/XX/20. I discovered these withdrawals on XX/XX/20 and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I filed a police report and provided the report information and the declaration of fraud to their fraud department. American Express had repeatedly denied my disputes without providing reasons for the denial. After several dispute attempts, they closed my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion on XXXX accounts on my credit report and they did not get in touch with me until XX/XX/XXXX. The accounts are still not correct and do not match the other XXXX reporting agencies. They are reporting past due when the account has been closed since XXXX and the last payments and last activity dates are all inconsistent across all reporting agencies. I have sent them proof of the errors and they have not resolved the issue,
Product: Checking or savings account

I have an existing complaint under ID XXXX. I took another look at my TD Bank Statements & deposit receipts & discovered my account is short {$380.00}. I couldnt see how to submit additional information supporting my complaint from your portal. So Im submitting another complaint to get the additional information to you that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan with XXXX XXXX  belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit
Product: Debt collection

I receive phone calls from this company from different numbers. From the above number I have received phone calls 4-5 minutes apart. They are calling my cell phone through all of their different numbers. I have told them NUMEROUS times, that I can not receive phone calls until after XXXX as I can not receive personal calls at work. They ONLY call before XXXX. One individual told me that they don't have to abide by the call times outlined. He also advised that their phone system is on an automatic dialer so they do not have the ability to stop calls during any particular time of day. They should know that they can not call cell phones without express consent and that they can not be called on an automatic dialer. 

I have requested verification be sent from this company but they have not sent this to me directly. 

The company name is The CBE Group.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention. 
It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : LATE PAYMENTS : Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX CHARGE OFF : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX COLLECTION : Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband & I were involved with the Equifax security breach. 
I registered him ( XXXX XXXX ) with Equifax on X/XX/2017 for a credit freeze with confirmation # ' XXXX XXXX XXXX ... .then enrolled him in their offer for free fraud protection with Trusted ID. However in checking back, he is unable to access his account it says " an error has occurred '' ... ..Repeated calls to Trusted ID involving 3-4 hr waits on the phone on a daily basis were unsuccessful. Their website was non operational. I 've received text alerts about " detected activity needing attention '' ... unable to reach anyone at the phone # listed, nor the website. 
I, XXXX XXXX enrolled with Equifax also on X/XX/2017 with confirmation # XXXX. After repeated calls and online attempts to register for the free fraud protection with Trusted ID after 10 days I reached a person who registered me stating I 'd receive an email within 24-48 hrs to set up a password. Daily calls with waits up to 3-4 hrs have been unsuccessful. No luck via website. Letters sent for credit freeze, no response
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are 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 : CAF XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX  XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting 3 different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Cellular Telephone/Paging Companies Wireless Telephone Service Providers Telephone Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Was contacted at my job about a debt. They threatened that I was being XXXX and owed over XXXX and if not paid then my wages could be garnished and that after court documents have been signed my debt would increase to XXXX but if I paid now before court documents were processed I would only owe the {$1200.00}. They said they sent out a letter to my home address in XXXX but I never received anything from Lewis, McDonnell and Associates.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT 3 OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( Total Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/20 I sent NCA a certified letter XXXX requesting deletion of an unknown unverifiable account they continue to report and verify on my credit reports. They have failed to respond to my repeated requests for information regarding XXXX XXXX. I have not been able to resolve this matter. I do not owe any such alleged debt. This company continues to violate my rights and federal laws causing me to incur financial damages. they need to be held accountable.
Product: Checking or savings account

Im getting charged overdraft fees even when I put money in my account to clear the overdraft its to much honestly.
Product: Credit reporting

I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was unable to due to misinformation on my credit report. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of consumer fraud and want to be issued protection from others being able to access my information for their own personal gain. I am in a position in which I can not even open an account because of this fradulent act against me and I need to recieve proper treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Ability XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfers

PayPal updated their system unfairly and deceptively, without warning or advanced notice, that resulted in their system attempting to transfer funds from my checking account to pay for a PayPal purchase which was intended to be ran through my PayPal Line of Credit. PayPal, over the course of 3 weeks, has attempted to withdraw funds ( XXXX ) separate occasions. I only authorized one transaction which I expected to be my line of credit since I *RARELY* use PayPal for cash purposes. I can not recall the last time I used it for cash purchases. As a result, I have been charged {$89.00} in returned check fees from my bank due to multiple unauthorized transactions to my XXXX acct. My intent was NOT to use PayPal for transferring cash money, but rather utilize the PayPal Line of Credit.
Product: Credit reporting or other personal consumer reports

Dear Representative, I am writing to formally dispute the recent entry on my credit report indicating a late payment in XX/XX/2023. According to my records and the confirmation of payment provided by Owcen/PHH , the account associated with this reported late payment was paid in full in XXXX of the same year. Therefore, the assertion of a late payment in XX/XX/2023 is inaccurate and misleading, resulting in a decrease in my credit score. 

Furthermore, I have thoroughly reviewed my financial records and can confirm that there were no outstanding balances or delinquent payments during the month of XX/XX/2023. The reported late payment is erroneous and does not reflect my account 's true credit status. 
-- In addition to disputing the false reporting of the late payment, I request that Owcen take the necessary steps to update the information with XXXX, one of the major credit reporting agencies. It is imperative that XXXX 's records accurately reflect my financial history to avoid any negative impacts on my credit score and future financial endeavors. 

I'm requesting that Owcen promptly investigate this matter and take appropriate action to rectify the inaccurate entry on my credit report with XXXX. As a responsible consumer, I value the accuracy of my credit history and trust that Owcen will uphold the same standard of accuracy and integrity. 

Please provide me a written confirmation once the investigation is completed and the erroneous entry has been corrected on my credit report with XXXX. Additionally, I would appreciate any documentation or evidence supporting the correction to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt resolution and cooperation in correcting this discrepancy with XXXX. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX
Product: Other financial service

I paid Global Client Solutions to help me with my debt, they took my money and did n't contact my creditors, I still have the receipt from the XXXX XXXX XXXX from XXXX XXXX, 2008. I am out of pocket {$720.00}. How do I get my money back with interest? 
XXXX XXXX lived in XXXX XXXX at the time of this XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I was told that my car note was XXXX a month XXXX every two weeks now I am being told that I have to pay an high interest rate that I didnt agree to the interest rates is more than what the car is worth
Product: Prepaid card

I was given XXXX American Express gift cards. 
On XX/XX/2023, I attempted to check the balance on their website ( https : //balance.amexgiftcard.com/ # / ). However, each time I checked I received this message, " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' I tried several other times within the next few hours. 

I also tried calling Amex to check the gift card balance. The number on the back of the card ( XXXX ) requires a XXXX security code to check the balance, but my card only has a XXXX security code. The automated system disconnects when I entered my XXXX code. I tried entering XXXX before the XXXX code, but that also resulted in being disconnected. 

I tried calling Amex customer service and was able to talk to someone briefly. I explained the issue ( " I want to check my gift card balances but the online system requires XXXX security codes, but my cards have XXXX security codes '' ) and she asked for the card number. I read the card number to her and she then asked if it was a gift card. I confirmed. She said that she must transfer me to the prepaid card department. The call was transferred to an automated system that asked if I wanted to open an account or check conditions of an existing account. There was not an option to ask for a representative. Bottomline : American Express failed to provide the information I needed about my gift card balance both online and over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On my card ending in XXXX american express deducted XXXX  membership reward points.

When I called in on XX/XX/2018 I was told the reason for this is because I downgraded a card I earned a bonus welcome offer.

They did not tell me this when I downgraded.

Also, when I called in the supervisor was not able to show me any terms that mention this specifically. After speaking with a supervisor for about a half hour all the supervisor was able to come up with is that the terms specify they have a right to remove the points if " you have engaged in abuse, misuse '' All I did was change my card to a blue card. Changing a card is a standard procedure. The rep that changed the card didnt mention that changing cards is abuse.

Also, they took back the points about 2 month after the points was used leaving me with a negative balance. What kind of decency to after using the points to come up with reason to remove the points. If they felt this was abuse they should have removed the points right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

account information inaccurate which in is violation in FCRA 609 XXXX : account XXXX XXXX XXXX date opened XX/XX/2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
XXXX : reports that i was current with payment XX/XX/2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies
Product: Mortgage

applied for refinance with current mortgage company, did not receive required Loan estimate with time period required