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 y 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, credit repair services, or other personal consumer reports

This is my second request to remove this Bankruptcy from XXXX XXXX. From my credit report reported in XX/XX/XXXX. XXXX and Experian please remove or provide proof this is my debt. I have lived in XXXX XXXX  Nevada since XX/XX/XXXX. Here is my Nevada ID '' s from XX/XX/XXXX to XX/XX/XXXX .There is no way I lived in Alabama and XXXX XXXX at the same time. I am requesting again to please remove. This is indeed fraud.
Product: Credit reporting or other personal consumer reports

I asked for contract with my signature on due to me not having any relationships with these creditors
Product: Vehicle loan or lease

Carvana refused to finance me. I believe I was discriminated against for having a XXXX. My loan was not approved because I could not provide income tax returns. I am XXXX my XXXX comes from XXXX XXXX. I am not required to pay income taxes on my XXXX therefore not required to file an income tax. While I explained that to XXXX and even sent proof of that statement from XXXX  XXXX they refused to finance. I provided XXXX XXXX bank statements that clearly showed my XXXX deposits.
Product: Debt collection

company is falsely reporting to transunion, the date reported is over XXXX XXXX XXXX and needs to be deleted immediately, I already had this solved with the original company, I sent ftc reports and this creditor illegally bought the false information. If these inaccuracies are not corrected or removed from my credit report, I am entitled to statutory damages up to {$1000.00} under FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance. I reserve the right to pursue further legal action if this matter is not resolved promptly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to dispute and request the immediate removal of the fraudulent accounts and inquiries listed below from my credit report. These accounts were created without my knowledge or authorization. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to have these items removed without delay. Additionally, this letter serves as formal notice that I am a victim of identity theft. I am requesting the immediate blocking and deletion of any fraudulent accounts or information associated with this incident, as outlined under 15 U.S.C. 1681c-2 ( a ). This situation arose due to the XXXX data breach, which exposed my personal information to unauthorized individuals. The accounts below have been identified as fraudulent and require urgent action : 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Credit Acceptance XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted Credit Acceptance and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

Credit Acceptance is continuing to report this account, more than three years after I released the car back as an open account that is XXXX days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.
Product: Credit card or prepaid card

I rented a car for a one way drive between XXXX and XXXX XXXX, MA. The car was rented on XX/XX/XXXX and returned on XX/XX/XXXX. Upon arriving at the XXXX XXXX XXXX, it was closed for COVID and there was no drop box. I called XXXX and asked what to do, I spoke to a representative about this, they told me to take pictures of the car and mail the keys to XXXXXXXX XXXX XXXX  XXXX XXXX, MA XXXX. I took multiple pictures of the closed office, lack of a drop box, car returned to the lot, license plate, etc. All were taken with an XXXX so there is a record that they were taken XX/XX/2020. 

On XX/XX/XXXX, I received a charge on my credit card for {$4600.00}. After multiple calls to XXXX, I found out they charged me for renting the car for 30 days ( returned XX/XX/XXXX ). I have the receipt, which shows that a total of 272 miles were put on the car - roughly the distance from XXXX to XXXX XXXX. After multiple calls and emails - including sending photos to support my claim - they repeatedly told me it would be " five to seven business days ''. After about a month, I finally told them my credit card bill was due in three days if it couldn't be resolved and I had no choice but to report it to my credit card company, Chase. At that point, XXXX informed me it was company policy to deal directly with the credit card company. 

I then reported it to Chase and described the situation, and they had me report it as a fraudulent charge. When the charge still appeared on my card a month later, I called them and was informed it was a 'dispute ' and not a 'fraud ' so I needed to resubmit it. I then received a letter, filled out a form, and submitted it on XX/XX/XXXX. I have all of this documented, and I'm sure they have record of at least four calls to receive an update on the status of the disputed charge. 

On XX/XX/2020 ( today ) I received a letter informing me that the " billing dispute '' was ruled in favor of the merchant with no explanation. When I called, the representative said that because it was originally reported as fraud and not a dispute ( even though it was eventually resubmitted as a dispute, and that I have documentation of resubmitting it as a dispute ), and there was nothing they could do about it. I then spoke to a supervisor who said the matter was closed and that I would need to pursue other avenues ; I was informed that there was no appeal process. I requested - repeatedly - that Chase connect me with someone who would look at the pictures I took of the car sitting in the lot, all of which were taken on an XXXX and therefore timestamped, but was told that was not company procedure.
Product: Checking or savings account

On XX/XX/2024 at XXXX I called Axos Bank to inquire about atm fees and to get more information about international transactions. A rep initially accessed my account but did not know what she was doing and sounded lazy over the phone as if she was sleeping. When I asked her about the atm fees she did not know what to say and I was skeptical. I asked to speak to a supervisor and she cut me off and rerouted the call. I called again about at XXXX and spoke with XXXX a supervisor but also she gave me the wrong information and did not know about atm fees. She was telling that international fees I had to pay but when checking my account there was a credit of {$5.00} refund for an international fee I just did in XXXX. I don't know if this refund was a courtesy or a fee that was refunded. Anyways she told me atm fees were refunded at the end of the month but that is not true. Because my atm fees are refunded almost immediately. When I questioned her she got snappy and did not want me to talk. I requested a call from a supervisor but nobody ever gave me a call. Axos bank used to have great customer service but now is terrible nobody knows anything and reps hanging up the phone on you and giving misleading information. This bank is going down the drain and others are stepping in to take in the unhappy customers. I don't like when reps are rude and don't know their job. Also a request was made for a supervisor to call back but it never happens. Maybe is a way for the rep to refuse the call. Also XXXX told me that atm withdrawals can only made from certain atms and to look it up. But since I opened my account I was told that i could withdraw money from any atm and the fees would be refunded and that is how it has been. I withdraw cash from any atm. Now as far as making deposits I just found out that Axos cut access to most banks so things changed. Before I could make cash deposits at XXXX XXXX  but recently just found out not available and other banks as well. I was never told this by Axos bank and it would have been helpful to pass this information to consumer and not mislead u. So some features that this bank started with in the beginning such as great customer service and all other benefits, now are being erased and are not available anymore. I want to know more information about international atm fees and also what banks i can make cash deposits. I had to make this complaint because it seems your reps don't have an idea what they are doing and don't want my call to be cut off or dropped from an unhappy customer service rep.
Product: Credit reporting, credit repair services, 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. 

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 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: Debt collection

I have a debt collection reporting on my credit for medical services that I have never used. I do not recognize this account nor the details mentioned. This debt does not belong to me.
Product: Debt collection

I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.
Product: Mortgage

I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.
Product: Credit reporting or other personal consumer reports

XXXX located XXXX XXXX XXXX XXXX, TX XXXX To XXXX I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas XXXX. I am also disputing XXXX XXXX acct # XXXX located at XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX  XXXX act XXXX XXXX and the last account is XXXX XXXX act # XXXX. The last one is XXXX XXXX act # XXXX I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within XXXX  days of this letter. Failure to investigate and correct this inaccurate information within XXXX  days will result in me being forced to take legal action for damages per notice of {$1000.00} for each violation of my consumer rights. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX Date XXXX
Product: Credit card or prepaid card

I have sent Goldman sach banks a correction of billing errors notice pursuant to 15 USC 16666 ( a ) stating that there is an error in the statements for credit card associated with ACCOUNT NUMBER ENDING:XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00} ) that was issued to the consumer ( me )
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation Federal Debt Collection Practices Act 809 ( b ) " ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' After checking my consumer credit reports, I noticed a company called ACS/XXXX was reporting on my credit report. On XX/XX/XXXX, I sent a debt validation letter to ACS/XXXX via certified mail ( receipt attached ). I disputed the entirety of their claims. 

On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and XXXX certified mail ( receipts attached ). 

On XX/XX/XXXX, I received updated credit reports from XXXX and XXXX stating they verified the information and updated my credit reports. 

The information was not deleted. 


ACS/XXXX is in violation of the FDCPA 809 ( b ) because they continued with collection activities ( responding to and verifying credit reporting agencies ) while failing to send me verification of the debt. 

As of XX/XX/XXXX, I have yet to received any correspondence from ACS/XXXX. They failed to respond to my debt validation request but yet responded to the credit reporting agency, which is continued collection activity. 

This is a clear FDCPA 809 ( b ) violation. 

I respectfully ask that this tradeline and account be removed from all three of my consumer credit reports. 

Attached is : 1. Debt Validation letter to ACS/XXXX 2.  Certified Mail return receipt for ACS/XXXX 3.  Certified Mail return receipt for XXXX XXXX, XXXX, XXXX 4. Updated credit report from XXXX   indicating the ACS/XXXX verified 5.Updated credit report from XXXX indicating the ACS/XXXX   verified
Product: Credit card or prepaid card

Went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Va on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Office Manager said it will be more than {$4000.00} for the total procedure and almost {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX so I asked if they do financing. She asked for my Driver 's License and secondary ID but didn't say she was applying for CARE CREDIT -SYNCHRONY on my behalf. She later told me I was approved then gave me an appointment for XXXX which I cancelled cause I have no way to go back and forth since we moved considering I no longer drive and just relaying on my daughter and her husband. 
When I tried to make appointments in another XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va the representative said I already have a CARE CREDIT for {$760.00} but I didn't understand it. The cleaning and Xray procedure for me and my husband was to high so I canceled that appointment. 
I later got a bill from CARE CREDIT-SYNCHRONY for {$760.00} that I wasn't aware of so I called their fraud hotline and reported that I didn't get any procedure done from XXXX XXXX so that charge is fraud. I even explained to them in writing what happened. 
They then sent me another bill saying my claim is denied since I authorized it. I didn't authorized the charge since I never went back there. I authorized the office manager to apply for financing but I guess CARE CREDIT put the money going to XXXX XXXX without my knowledge but they are telling me I am responsible to make payments. 
I also called them again disputing the charge but they refused so I canceled the CARE CREDIT CARD SYNCHRONY but they said I'm still liable to the charge of {$760.00} I also put in a complain with XXXX but CARE CREDIT SYNCHRONY refused to remove the charge of {$760.00}. I am now having anxiety over this cause I didn't benefit from it although I'm making payments.
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 XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX 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 card

XX/XX/year> I came in the store Macy for bought 2 Items and I was award percent in items if I open their credit card, I agree, and they opened their credit card Macys for me they gave more simple for me XX/XX/year> I came back store Macy, I return all Item and all simple they gave for me date XX/XX/year> After that date, credit Macy store sent the bill to me, and they request me to pay money with no any item charge from their store also no any Item out of their store I am not drive of my car, with no driver license, so that My friend help me go the store and I was supervisor store Macy help The supervisor Macy Store, they check on my statement, They none see I none used in card and I none bought any in the store, They do not to know and they called Macy store and I request them Closed account credit macy card, I request them cut card from credit macy sent to me, and Supervisor and her co-worker cut of it before me and my friend Now macy store credit always harassment me, they called me ussually, they sent statement and they charge interest I none pay money for them when I did not used any and I did not buy any from their store I was called COMPANY MACY CREDIT CARD, I request stop harassment, because I no owed them any. BUt they continue to abused my information and they always harassment me from called me to sent the bill to me Although I was report to POLICE CORD CORD, but they still continue to abused my information and harassment me me again, even I was request them put this case into the court, I will appear in COURT and hearing solve from Court, But they did not and they still harassment me in my life This is reason I would like to report to CFPB and to request CFPB solve because I want hearing in COURT from MACY store Complaint, IF they none put this case into the court complaint .... I will put this complaint into the court and It is default for Final JUDGMENT Compensation {$2.00} XXXX for me, because they intentional to made my credit before USA, and CALIFORNIA