23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

citi bank is making it really hard to cancel my account i want to make sure i close it without losing a bank bonus that i got with them. i called them last week and they said they needed my debit card number. i never received ( or at the very least used ) my debit card number. they didn't try to verify me using my social security number + i had already verified my info when i called in so i think they had all of the necessary info i decided to call back when i could get my account number ( i didn't have that at the time either ) and then i waited on hold for XXXX min. When they answered, they said their systems are updating and then hung up. There's no way to close the account online or via chat either which would make this much easier.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Validate Credit Report Information Dear Consumer Financial Protection Bureau, On XX/XX/year>, I sent an affidavit to the CEOs of Experian, demanding proof of validation for information reported on my credit reports. Despite my request, I received no response from the agency. Instead, they began disputing the information themselves, further suggesting that they never intended for the reported information to be accurate. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to validate and verify information before reporting it on a consumer 's credit report. Their failure to adhere to this legal obligation has resulted in continued inaccuracies on my credit reports, causing financial harm and emotional distress. 

I am demanding immediate corrective actions, including : Permanent deletion of all unverified and inaccurate information. 
Compensation for damages resulting from these inaccuracies and their failure to comply with the FCRA. 

I request a prompt investigation and a response detailing the actions taken to address these concerns. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened an account with self.Inc ( self lender ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
Product: Prepaid card

Cashapp account verification I've had an account with Cashapp since 2021. At the time it was created until the time I received a new card everything was correct and I could access all the features. About 1 1/2 years ago I had a new card sent to me and this new card had incorrect name on it. I am unable to access the features on my account. I have around {$550.00} on my bitcoin wallet that I need to access but I'm unable to do anything with it because account verification isn't my SSN. I've tried calling support and email chatbox and have received 0 help from either they just give me the same runaround and tell me I have to verify my account which hasn't worked and I've been trying to settle this ever since I received this new incorrect card.
Product: Debt collection

In XX/XX/2018 I disputed an account with all three credit bureaus XXXX, XXXX, XXXX, All three credit bureaus stated the account was verified and accurate. The account is XXXX XXXX # XXXX. well I contacted the original creditor and they stated the account was sold to XXXX XXXX. well I sent a certified letter to XXXX XXXX to the address listed on my credit report. the letter was sent on XX/XX/2018 they received the letter on XX/XX/2018. the new owner of the account had 30 days to respond to the debt validation letter. well today is XX/XX/2018 and XXXX XXXX has yet to respond to my debt validation letter they have violated my rights under the FCRA and under the FDCPA by not responding to the certified letter. I will be getting a attorney this company don't cease and desist this account effort and stop reporting the negative information to the 3 credit bureau or I will be filing a suit for the violation. XXXX XXXX had 30 days to respond to my debt validation letter and they refused and failed to respond to my letter within 30 days.. I have attached a copy of the letter and a copy of the certified letter.
Product: Money transfer, virtual currency, or money service

I am feeling 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. There actions have caused significant inconvenience and financial loss, and I seek appropriate redress for there violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear, SANTANDER CONSUMER USA I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both SANTANDER CONSUMER USA AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. SANTANDER CONSUMER USA is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX/ XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me regarding RESURGENT RECEIVABLES LLC that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX 

XXXX failed to produce any documented evidence of how RESURGENT RECEIVABLES LLC a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX  XXXX XXXX XXXX 

RESURGENT RECEIVABLES LLC is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. 

XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and RESURGENT RECEIVABLES LLC remains in direct violation of The Fair Debt Collection Practices Act.
Product: Checking or savings account

I originally made three ( 3 ) transactions on XXXX for Bitcoin XXXX BTC ) payments. Each payment went to a scammer unknowingly. The scammer refused to provide the product as he promised, leading to the final realization that I was truly scammed. 

The three ( 3 ) transactions were all online, each occurring on XX/XX/2021, XX/XX/2021, and XX/XX/2021, in that respective order. The total amount of money scammed through the online platform Moonpay.com was {$6200.00} XXXX USD worth ), which is a high number. 

Afterwards, I then filed three ( 3 ) separate claims through my bank, Bank of America, hoping that they would fully reverse all the amounts into a refund back into my checking account. Unfortunately, Bank of America refused to refund each transaction, meaning that I had to pay back the full monetary amounts within one ( 1 ) month of claim closures. They denied the claims because they told me that the transactions were authorized by myself, which is true, but the money went nowhere useful, so it is lost, for now. 

I am extremely disappointed with how this all turned out so far, and now I am scrambling to get my money back that I lost. I will contact the Delaware Department of Justice Attorney General as soon as possible so I can get my money back legally and without any issues moving ahead. Hopefully a final solution will be resolved. 

Please see the six ( 6 ) supporting documents that describe this complaint in full. Three ( 3 ) of the documents are the online PDF claim rejection letters from Bank of America, while the other ones are just JPG screenshots of each of my claims on Bank of America 's website, indicating the claims ' processes with given timeline dates.
Product: Debt collection

CREDITOR COLL SVC has posted unknown medical bills to my credit report more than 12 times for the same {$80.00} medical fee as well as an {$110.00} dollar open balance all posted on XX/XX/2017. This balance has since been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter on XX/XX/2022 to XXXX XXXX XXXX and Equifax however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph XXXX before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't make these inquiries it must be errors.
equifax - XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a XXXX balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX and XXXX. 

I checked my report on XX/XX/XXXX, on both XXXX and XXXX  my credit account still noted closed. At this time I received results from XXXX stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with XXXX  ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.
Product: Debt collection

RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a n atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.
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 XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX  -Account Name : XXXXXXXX XXXX XXXX  -Account Name : XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.
Product: Checking or savings account

Hi, I called Marcus by Goldman Sachs as we have 3 Certificate of Deposit accounts with them, each with approximately {$100000.00}. 

I had called because I wanted to make sure I was added as joint account owner on these CDs with my wife. She had opened them after prior CDs ( where we were joint owners ) had expired and thought she had designated these accounts as joint accounts as well. 

However, the Marcus Customer Service representative, XXXX from XXXX, TX, refused to to do this, and would not tell me why, even though we had prior CDs with Marcus where I was joint account owner. 

I am concerned about this because this means my wife is over the {$250000.00} FDIC insurance limit, which makes me feel unsafe. 

I was also surprised that Marcus and Goldman Sachs REFUSES to be more transparent as to why they can not make this change - the representative only said he can not do this, refused to let me speak to a supervisor, and refused to offer any explanations. 

Therefore I am asking the CFPB to put Goldman Sachs in their place.
Product: Checking or savings account

I reported fraud to my account with unauthorized wires and transfers and USAA claims that I told someone a number to authorize such transactions when I did not. It makes no sense that I would wire money to a random stranger 's account to overdraft my own account. Now USAA has demanded that I pay for the money fraudulently wired to the criminals.
Product: Debt collection

Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX  , XXXX  , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications .1 PARAMOUNT RECOVERY acct. # XXXX bal. {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account # XXXX was converted back to a XXXX  XXXX and as a XXXX balance.