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

I am filling 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 make 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: Debt collection

A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead, they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
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  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 card

I did n't receive my XXXX bonus points after charging {$300000.00} in first three months, which I did. But no bonus after being lied to at least twice that I qualified. I am referring to the XXXX XXXX card. 

XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I had BANK OF AMERICA checking account ( Account # XXXX ) since XX/XX/2023. 
I had a lot of transactions with this account like debit card purchases and some check deposits. I never had problem with check deposits and it has been cleared all the time. 
My last check deposits was for amount of XXXX $ ( dated XX/XX/2023 ) from XXXX XXXX XXXX, I had deposited that check on XX/XX/2023. ( check # XXXX ) After completed deposit I got email from Bank Of America informed me my deposit check has been hold till XX/XX/2023 and my available balance will be delay, because they believed that check is not gon na be clear. On XX/XX/2023 I got another email from Bank Of America that informed me my amount will be hold until XX/XX/2023. 
I was ok with that situation because my account wasn't that old and they need to verify that check. But right ofter that email I tried to login to my Bank of America online account ad it showed my account is blocked. 
I called to Bank Of America to see reason of my account blocking and they told me they closed my account because of bad check, I ask what does bad check means and they told me the check issuer bank didn't verified my check and it is a fake check. 
I called to the company who gave me the check ( Check issuer bank is XXXX XXXX  and the company name is XXXX XXXX XXXX XXXX ACCOUNT NUMBER... ... XXXX ) and told them the situation of me. 
After that the XXXX XXXX XXXX XXXX company sent me their checking account screenshot picture proof my check was cashed from Bank of America. 
I have proof the Bank of America has been cashed the check from XXXX XXXX XXXX XXXX. 
on XX/XX/2023, and they never deposited to my account. 
They don't let me login to my Bank of America and no body answer my questions. 
I need resolve this problem get my XXXX $ money back and reopen my bank account.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - 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, not later than 4 business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX  MD ) These accounts need to be removed immediately.
Product: Credit reporting or other personal consumer reports

it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the XXXX XXXX XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, XXXX has not specified the account type in detail, unlike XXXX and Experian. Secondly, the high credit reported by XXXX and Experian is {$3700.00}, while XXXX reports it as {$3000.00}. Thirdly, the credit limit reported by XXXX and Experian is {$3000.00}, but XXXX reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy. 

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by XXXX are different from those reported by XXXX and Experian, XXXX should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.
Product: Payday loan

Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ). 

The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace! 

Most despicable people I 've ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have several inquiries from XXXX that dnt belongs to me
Product: Credit card

On XX/XX/year> my wallet and phone were stole, I immediately reported the crime to the police and had a police report taken. The criminal used my personal identity information to open a credit card ending XXXX at Capital One and charged approximately {$1100.00} of fraudulent charges which I did not authorize. I filed a fraud dispute and provided the police report. Capital One refuses to remove the credit charges and account from my credit record. I did not open the credit card, did not make the charges, and I am not responsible for the balance.
Product: Payday loan, title loan, or personal loan

I'm in my late XXXX XXXX and have had excellent credit all my life up until this year, I've paid off my student loans, 2 consolidation loans in my credit lifetime. 

I recently fell behind on my priorities due to being on XXXX  leave twice this year ( both times within 2 months ). I have recovered and have since returned to work. I am trying to dig myself out and get back on track. I have a good paying job and just need a jump start, I've applied for a {$3000.00} personal loan and have been denied by pretty much everyone. Even the same very company ( best egg ) that I borrowed and have paid back since. Best Egg misleads me by sending me email saying that they have an offer waiting for me due to my good history with them and then I get denied upon pressing the link. I feel that they are playing with me ... ... at this point, this whole ordeal is beginning to impact my well being to where I'm losing sleep ... I feel that I am doing everything I can to do well on my debt but im being penalized for being on XXXXl leave which was beyond my control. Another thing is that these lenders are misleading me by sending me propaganda saying how they want to help but then denying it, these lenders should not be allowed to advertise on state funded website as there clearly they show zero intention in helping consumers..
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian and my experience in obtaining my free annual credit report through XXXX XXXX XXXX. The company has blocked me from obtaining my credit report online and tells me to call a number to obtain it. I did not initiate this block or placed a credit lock with experian. 

I have tried calling this number and have been placed on hold for over 30 minutes after which I gave up. There are inaccurate entries in my experian credit report and I am also unable to dispute these items online with experian. 

This is unacceptable and the company is depriving my right to credit report access.
Product: Student loan

I have a private Signature Student Loan currently with Navient loan company and formerly Sallie Mae. The loan is currently at the amount of {$31000.00} with a variable interest rate of 8.625 % earning approximately {$260.00} in interest monthly with my monthly payment being {$430.00}. The loan was disbursed while I was attending the XXXX University in XXXX after I transferred from Virginia XXXX XXXX in two payment on XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$12000.00} for a total principal balance of {$24000.00}. It was then sold to Navient XX/XX/XXXX for {$35000.00} approximately {$11000.00} over the original principal. I was in 6 months of forbearance from XX/XX/XXXX to XX/XX/XXXX and have been paying monthly ever since. My loan principal despite being paid toward for this length of time has never decreased to the original amount of {$24000.00} and is currently at {$31000.00}. I believe this loan company, Navient, and previous loan company, Sallie Mae, each have been predatory in their actions towards me and mismanagement of the loan repayment process. I have spent considerable money doing my part to pay down this loan Ive 7 years and not only has {$0.00} gone towards the original principal of {$24000.00} but only {$3300.00} has been paid toward the original buying price that Navient purchase my loan at in XXXX! Please help!
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Debt collection

My name is XXXX and I a member of the armed forces. One year ago I discover an third party collection agency under the name of Orion Recovery place a collection on my credit report. I never had a contract with this company XXXX. I was XXXX during the time frame that they state I had a contract. I being trying to dispute this company with no luck. This company is damaging my credit rating and is charging 8 % interest every month. I would like to have this inaccurate claim deleted from my credit report. I have only been in contact with this company via email. I would like this company to be investigated, I feel as thought this company is scam. Orion Recovery is not bonded or insure in the state of North Carolina in which I reside. Thank you, for your time.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had = investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX 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 letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for SCRA relief under the Louisiana Statute ; LA Rev Stat 29:312 312. I specifically cited this state provision which extends relief to XXXX XXXX service members AFTER entering military service. 




On XX/XX/year>, Wells Fargo denied my request citing the following reason : " This account was opened after the servicemember entered military service ; therefore, we are unable to provide SCRA benefits. ''
Product: Bank account or service

XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.
Product: Mortgage

This has been submitted before but they are still doing the same things as before they keep asking for information they already have and now that they have denied met XXXX  the say I can not appeal again The last denial was sent to me on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion is violating my rights I did not give written permission to report this on my credit report Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

one fine Morning of JXX/XX/XXXX, I found my Checking A/c abruptly closed without citing any reasons. 
The account balance was overdrawn and I had a provision to do so by the dint of contract with the Bank, Wells Fargo. 
Upon taking up with them it was informed after a lot of push that a low balance did not warrant the Bank to assign any cause ( this is untrue ). 
I had written to the Bank that I am in Financial distress and that I would make it good soon. 
They simply ignored it. 
I have been Banking with them Since XX/XX/XXXX. 
I am not able to pay mu school fees as my payments are linked to it. 
XXXX requests and correspondence did not help.