23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is another complaint filed. This is ridiculous, no verification has ever been received from this company but they stated they have. Furnish then through the CFPB. The prior complaint stated the following which my complaint is valid and NOT nuisance Case number : XXXX Status Response disputed Rent Recovery Solutions said : Explanation of closure This is a nuisance complaint. 
Response The debt is valid and consists largely of unpaid rent. We are in possession of documents from our client substantiating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired onXX/XX/2022 2022
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

XXXX Experian, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report.

If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I did research on my own and learned that in the case of XXXX XXXX XXXX, XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! 

I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.
Product: Credit reporting or other personal consumer reports

In XXXX, my XXXX score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : Equifax, XXXX, XXXX, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my XXXX score dropped XXXX points again. In either case, literally XXXX changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both XXXX score changes no significant purchases. My largest purchase in the past 2 months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from XXXX, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.
Product: Money transfer, virtual currency, or money service

from my Zelle number XXXX miss typed An incorrect electronic transfer from my XXXX  XXXX XXXX application via Zelle transfer to Zelle account for XXXX $ to XXXX which was not the receiver correct mail id which was on XX/XX/2024 Zelle account was a email id : XXXX ( XXXX XXXX ) confirmation number : XXXX Scammer identity provider details XXXX mobile number : 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

I have repeatedly asked them not to call my cell phone, i will only deal with them in writing. I have provided my home address and email address for communication. They call repeatedly every day, multiple times a day and constantly change the number when i block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX  XXXX account number ( XXXX ) ( XXXX ) Account Name XXXXXXXX XXXX  account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent XXXX XXXX crypto coins from XXXX to Coinbase XXXX. XXXX was listed on both exchanges with the same ticker. Listed as XXXX. After I transferred the crypto a time went by and the transfer had shown success but my balance never changed. I went to the forums to search for any outages or issues. Apparently this has become a huge issue and many just like me suffered the same fate. Coinbases customer service is almost non-existent. Reaching out to them twice I have never made it past an automated response. I have since moved all my crypto currency off the exchange and implore all that I come in contact with to do the same. This happens everyday. Coinbase holds the private keys to the address where my crypto sits. I can see it using another crypto wallet of mine but since Coinbase holds the private keys I can only see it and not do anything about it. Coinbase could just return to sender. It would go right back to the address it came from. Just like the mail. Coinbase own the address but will not do this. So even though {$600.00} value at the time isnt life changing I do believe that considering the distinction between what is claimed to be two different tokens but with the exact same ticker is misleading and caused myself and many others to lose money. Even on Coinbases exchange the crypto in question lists its use case for this version of the token exactly as the coin that I have. However you can not stake or use is to bring devices on the XXXX network. You can only do that with the version of the token that I have. This was not listed anywhere. There were no safeguards to prevent mislead consumers from sending the crypto to Coinbase pro. Since Coinbase has changed the ticker to add another identifier. As it should have been all along. Consumers would have known there was a difference between the two and at least been given the opportunity to not make the transfer. The tickers were the same however when I sent. This is my formal complaint about the company and exchange. My money will sit there in an address that Coinbase owns, has access to, and that could return until it lays dormant for long enough as to they can then legally remove the token by XXXX. I was mislead by this company and exchange. I will try to hold onto my account as long as possible to hopefully get the crypto that I worked so hard for back. I implore someone to do something about this exchange and its shady business matters.
Product: Checking or savings account

I tried disputing a charge to my account from a scammer who posed as my boss and ended up taking {$800.00} through gift cards, but the stores register crashed and never activated the card. So {$400.00} of it went to the scammers, and the other {$400.00} went nowhere. Citizens Bank wouldnt return any of it, nor would the dollar store because it never went through and crashed the system. This was around XX/XX/year>, somewhere between XXXX and XXXX in the morning. 
The second issue was in XXXX of this year. My bank account was frozen for 4 days and I didnt know why. I attempted to resolve it, but was unable to. I went to Citizens to close out my accounts. Apparently, my check posted early, and I hadnt spent any of it, but they claim it posted and that I used that money, but I never did. I later found XXXX charges through XXXX that were being skimmed, so I deleted most of my money accounts and XXXX as well. XXXX refunded {$7.00} of the $ XXXX thats missing and XXXX is XXXX the negative due to skimming. XXXX is denying it, and Citizens just sent me a check for {$31.00}, but has otherwise left me broke in the midst of discovering I had a XXXX XXXX recently and my fianc is out of work because of an illness he was just diagnosed with, and its been an awful year full of financial strain and unlawful activities that have been completely ignored. The statement stands for the scammers as well as Citizens Bank. Id at least like a statement mailed or emailed to me so I can review purchases. This is absolutely appalling that Citizens has been allowed to rob its clients due to a security breach that led to the loss of money, which Citizens refuse to pay for. I will not let this go, and if its not resolved, I will be seeking out a lawyer. Ive lost around {$2000.00} of money that I worked hard to earn, and I deserve to have someone who cares as much as I do about stopping these scammers. Someone should be held accountable for stealing my money, of which I have very little of these days. Please dont let this keep happening to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both TransUnion and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to TransUnion or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites. 

I was able to pull my free credit scores from all 3 agencies from the XXXX  website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my TransUnion and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my TransUnion credit report ( XX/XX/XXXX and XX/XX/XXXX ). TransUnion says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXXXXXX XXXX  customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with TransUnion or XXXX. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX. XXXX says the issue is with XXXX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Product: Vehicle loan or lease

I have been filing complaints about this company unfair deceptive business act against this company who unlawful repossess my XXXX XXXX XXXX without judicial determination they refused to validate the debt they said I owe giving false misrepresentation and still towed my car after a cease and desist and they was the original creditor and on record stating they bought the contract that I signed as an banker acceptance bill of exchange was pledge to the bank to I signed giving XXXX XXXX XXXX an banker acceptance bill of exchange that creates funding under fractional reserve banking and they sold my contract to Professional Financial Services received funding through fractional reserve banking they still unlawfully repossess my vehicle in violation of 4 and 14th amendment in breach of contract who took my consideration for my bill of exchange this serves as my formal notice to sue for XXXX dollarsfor the XXXX embezzlement and money laundering yall have done to me causing me severe emotional distress loss of job became homeless lost my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my Experian and just one on the others. I have sent in numerous disputes and filed two police reports and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT. 
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported not accurate. This is grounds for removal and they also violated my rights under, 15 U.S.C. 1681 section 602 A. I have the right to privacy.

15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian does not investigate collections on my credit report. Nothing has ever been resolved or worked in my favor.
Product: Checking or savings account

Over the holidays, between XX/XX/XXXX and today, XX/XX/XXXX, Chase Bank has charged me Insufficient Funds fees ten times, totaling {$340.00}. 

These fees are excessive, flagrant, and predatory. They also do not seem to comply with the Consumer Finance Protection Bureau 's 12 CFR Part 1005 ( Regulation E ). I have not opted-in to these overdraft services. In fact, on more than one occasion, I have spoken to Chase Bank customer service representatives about ensuring that Chase Bank does not provide this predatory service to me, and I have been told there is no way to opt-out. 

I have asked, " if my account has insufficient funds to cover a transaction, how can I prevent Chase Bank from issuing the funds and charging me this {$34.00} fee? '' to which I was told there was no way for customers of Chase Bank to avoid these fees. 

But XXXX ( b ) ( 2 ) states that Chase Bank must provide equal services to customers who do not opt-in. If there is no way to avoid these fees, then Chase Bank is not complying with this provision. 

Chase Bank has refunded some of these fees, but all should be refunded, and no further fees should be issued as I have not opted into this predatory practice which CFPB has recognized as a crutch that the banking sector relies upon to siphon money out of the more vulnerable and into Chase 's ledgers. 

I expect that Chase Bank will reply to this complaint in the following way : They will furnish some purported evidence of an affirmative consent where none exists, likely obtained through the flagrant practice of smuggling binding and irrevocable consent agreements into otherwise routine terms and conditions, which is an attempt by Chase Bank to neuter the CFPB 's authority. 

I encourage the CFPB to recognize this for the manipulative attack on its statutory authority that it is and to continue pursuing regulatory action against this overdraft fee practice that overwhelmingly targets the poorest or vulnerable, whom Chase Bank has demonstrated it is eager to exploit.
Product: Checking or savings account

TD Bank 's stated policy is as follows " For personal checking accounts and money market accounts with check access : When possible, transactions are processed in order of date and time, most closely reflecting the order in which you transacted. 
They appear in your Account History in the same order that they occurred, beginning with the most recent. 
These transactions then impact your Today 's Beginning Balance in the morning, when overnight processing completes. '' TD bank however does NOT follow this stated policy when it comes to direct deposits for payroll. Typically, employers release payroll direct deposits to the respective banks at least 2 days prior to the actual payday. If TD Bank is following their above stated policy, then they should process those direct deposits in order on the date and time they are actually received. TD Bank does not do this .... They HOLD those deposits for as long as 2 days until the actual payday. This is in direct contradiction to their stated policy of processing in order on the date and time received, and only serves to enrich TD Bank with additional overdraft fees when other transactions are processed ahead of the direct deposit that they are holding, even though they in fact have received the funds. 

This is harmful to consumers.
Product: Credit reporting or other personal consumer reports

My identity was stolen some time ago. The credit bureaus are aware, and I have added credit freezes or instructions for them to contact me before attempting to extend lines of credit. I continuously receive updates showing inquiries into my credit made without my consent. 


I contacted XXXX, Equifax, and XXXX by mail to dispute over a year ago. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, lexis nexis and XXXX XXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed