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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secto n 611 ( 5 ) ( A ) of the FCRA  - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but Equifax continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTICE OF COMMERCIAL LIEN INTENT!! PRTFOLIO RECOVERY ASSOCIATES LLC HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,
Product: Vehicle loan or lease

My XXXX XXXX XXXX was stolen on XX/XX/XXXX from my apartment. I filed a police report with the XXXX XXXX police department and XXXX XXXX. My XXXX was recovered on XX/XX/XXXX with a lot of damage to the interior and engine. XXXX made a check of the estimate damage to me and capital one auto finance {$2700.00}. To have the repairs done by my personal mechanic which I have always used for years he has his on garage. 
I mailed the check to Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX Damage Department so that the check can be endorsed in my name, so I can have my personal mechanic complete the repairs, it states in Capital One Auto Finance statement that, I can choose which option to have the check sent. I chose to have it sent to me, endorsed in my name so I can have my personal mechanic complete the repairs. The check from XXXX XXXX is for the repairs to be completed but Capital One Finance took it upon themselves to apply the check to my principal because I am behind in payments. I can work out payments with Capital One but they applied the check to the principal when I stated that I wanted it endorsed and sent back to me for the repairs to be completed by my personal Mechanic, this is against the law, the check is for damages and not to be applied to my principal. I want Capital One Auto/Physical Damage Department to endorse the check in my name so I can have the repairs completed by my personal mechanic, I will upload the statement that states I can chose which option to have the repairs completed. I have already faxed to Capital One Auto the note/letter and the damage estimate from XXXX XXXX which in total is XXXX pages. I have been trying to reason with them that we can work out about the late payments but the check from XXXX XXXX is for damages to be repaired by my mechanic of chose. I am asking that Capital One Auto Finance/Physical Damage Department honor what is in there statement and return the check back to me endorsed in my name so my personal mechanic can fix the damages. I will upload the document stating that I can choose this option which I am being decide.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from XXXX and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX practices is very deceiving and I feel that they took advantage of me because XXXX XXXX XXXX XXXX 

The inquiry iXXXX XXXX XXXX XXXXXX/XX/year> The credit card is too XXXX and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me.
Product: Credit card or prepaid card

I Have had a chase checking account with Jp morgan chase for 9 and half years and i get a letter in the mail that they are closing down my checking account and credit cards by XX/XX/XXXX, when I tried writing them a letter and contacting them they told me theres nothing we could do. looking over my account I dont see anything I have done other then basic shoping purchases that would warrant my checking account to be closed this is a big hassle and is stopping my going about my daily life. I tried explainin g to them that this was a mistake on their part and they should submit it for review but after they did a review they are still going ahead with the closure of my account very upsetting please remove this restriction and have a nice day thank you please ask them to reopen my credit cards and checking account even just a checking account being reopened is fine this is very frustrating thank you for your time, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I applied for and received an Apple Card that is managed by Goldman 's with software written and updated by Apple Corp.

I've been making regular payments and upgraded my phone. I went to make a payment this weekend and found that all tools have been disabled and my account locked for security purposes. I have verified my identity within the XXXX wallet and reached out to their customer service through messenger to ask what happened. 

I'm told that they can lock my card at anytime without warning and there is no timeframe for them to contact me. I don't know why they would need to contact me or what they are reviewing. I can only assume I tripped an algorithm and am now in a system with no human at the helm. I am female and this is reminiscent of the issues a year ago where it was found that Goldman 's algorithm treats women differently than men. 

I can still use make charges to the card but have been locked out of all digital tools. Nobody can tell me what I can and can not do. It's a walled experience and frustrating at that. I never received a notification in XXXX, a warning, an email. I only discovered it's status when I went to pay it off. 

I'm applying for my first mortgage soon and did not expect this experience from Apple.
Product: Debt collection

XX/XX/2020 I have received a letter by mail from Transworld Systems Inc also known as TSI. stating that the information I provided them is not in their system and to please send them by mail my account number, how much I owe, and my social security number. The amount I owe is XXXX but my information is not attached to this amount or any amount for that matter. To my understanding if I owe this company money. They should already have this information in their system. Therefore Im disputing this debt due to the lack of information that they have on me. They only have my name and address. Ever since I contacted the company in XXXX of 2020. I have yet to receive any type of bill from them that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violates Hippa and CRA. 

Police report # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.
Product: Credit card

Chase sent only past due notices, but never a statement prior to being past due. When I cancelled my card they took all the bonus points off but did not take off the late fees as promised. Then they started calling my place of business because they were adding more late fees even after I had cancelled the card.
Product: Student loan

My credit report shows an incorrect XXXX-day delinquency in XX/XX/2018 for FOUR loans, even though its all in 1 repayment from Fedloan Servicing. I believe this is when the repayment came out of deferment however I was not notified of when this occurred so I could continue my repayment plan. The account is in good status now and I have not had any other issue with this in the past. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and I'm not sure if they even have my address correct but I've lived here for 5 years. It is crazy to me that they can report 1 repayment FOUR times at a delinquency, and this needs correct and removed from my credit report immediately.
Product: Checking or savings account

This is coming after CFPB complait # XXXX. I paid my rent was twice accounted for then sudden several false charges were put on my account then 3 days later my rent was returned as unpaid. This is the same thing that happened in XX/XX/XXXX of this year involving both XXXX apartments and someone inside Huntington bank. Some of the items taken out of my checking account but not due or paid too items I dont have are {$50.00} to XXXX, & XXXX XXXX payment not due to XX/XX/XXXX. {$50.00} XXXX not due to the XX/XX/XXXX, & XX/XX/XXXX Coinbase not due toXX/XX/XXXX. All these items including other charges coming up to {$1200.00} were all paid after my rent payment but somehow that payment was listed as low funds after shown as paid. Also the first item that happened was that my debit card was locked without reason. I called as asked for explanation but no reason was given and no alert was shown on my XXXX website nor any alert texts sent to me. Again the XXXX phone person wouldnt identify themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be corrected or deleted immediately : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 letters to the credit bureaus XXXX XXXX XXXX, and transunion ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.
Product: Debt collection

US COLLECTIONS IS GARNISHING ME AND MY XXXX DAUGHTER PAYCHECK AND NOT REPORTING IT TO MY CREDIT BUREAU ITS ON MY CREDIT I HAD NO IDEA THIS WAS GOING ON XXXX MY JOB TOLD ME THEM I WAS SENT A COURY DATE OF GARNISHMENT CAN YOU PLEASE HELP I DON'T KNOW IF I SHOULD TALK TO A LAWYER ABOUT WHATS GOING ON I TRIED TO LET THE COURYS KNOW AND THE COURTS TOLD ME TO CONTACT US WEST COLLECTIONS AND THEY HAD THE SAME EMAIL AS THE COURT HOUSE AND TOLD ME THERE IS NOTHING WE CAN DO.
Product: Checking or savings account

XXXX XX/XX/XXXX I deposited my Texas workforce commission unemployment benefits check in an ATM with Chase. I inserted the check into the ATM and asked me how much the check was for. I put it in the keypad. It showed me a photograph of the check. I accepted the photograph on the next screen. It told me that my check would be held for nine days in which I tried to cancel the transaction And it gave me no option. I have XXXX dollars and my benefits check was about five days late in the mail! 
Since the ATM were not give me the option to not move forward, cancel the transaction. I was forced with accepting the deposit when I couldve went across the street to a grocery store and cash the check for {$.00}.! I contacted the bank the next day because of what the ATM told me about a nine day hold and two representatives told me that there was no apparent hold on the deposit.! I questioned in the past I always received partial credit on a deposit even if it was XXXX or XXXX! The entire check was only {$440.00}! The bank representative told me that because of a recent prank played by people against their bank at an ATM, depositing fraudulent checks recently across the brand they are putting holds on check deposits, even though I have a track record of depositing the same check multiple times of the last two months? According to what Ive read on the CFPBs website since this is an ATM deposit, but it is an ATM deposit at a branch made with the issuing check being a government check then the funds should be made available within two business days. 
Which is still excessive, considering the bank always gave me partial or full credit immediately on the same deposit at an ATM! 
My deposit in my account now officially states that its not available till XX/XX/XXXX by that time I will have bypassed my shut off date on my electricity created a very expensive fee to restore my electricity, and Im unsure as to how its my fault that this bank is having a gameplay on them by other consumers, and I have to pay the price! 



Problem number two I had previously had Chase accounts over the last 10 years and never really had problems with them but when I open this account about two months ago, within days of opening, it had been accessed from another region and an unknown individual put their phone number on my account to attempt to gain access to Text for future login access. Im assuming the bank has frozen my account made me change my username three occasions I had to get a new debit card within a few weeks of opening the account so this is my second debit card and then before that second debit card even showed in the mail they shut my debit card down in which I was using digitally and Im on my third card in about two months. I have had to call into the Chase customer service to regain access to my account without being made to understand why approximately 10 times in two months!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> SoFi purportedly refunded me {$950.00} due to a duplicate payment on my personal loan. Each time i contacted them they assured me it was on its ' way. I never received my money. SoFi has not provided any documentation of this refund. They have only verbally told me it was refunded. They asked for my bank records and I promptly provided bank statements and screen shots documenting that i never received the refund. When the matter was escalated I summarily received an email indicating that the writer confirmed i had received appropriate communication and that the matter was resolved. When I responded that I had not yet received my {$950.00} i did not receive any further response. I then wrote again asking that the matter be escalated and, again, it was met with silence. Today i was told to take it up with my bank. my bank has no record of this alleged refund. I strongly suspect that there has been some fraudulent activity and I am therefore filing this complaint.
Product: Debt collection

I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I was planning to move out, I went to the leasing office and discussed with XXXX XXXX for a date for a room cleaning check. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms and appliances very clean and spotless. A young gentleman, leasing office staff came to check and were very satisfied. 

But after I moved out, I received a bill with a charge for carpet {$70.00} and cleaning {$160.00}. Because all room and utilities appliances very clean, they can not charge me for that. 

I sent a email regarding this charge to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX Customer Care Specialist, and XXXX XXXX, XXXX Customer Care Specialist, but all they didnt respond. 

XXXX sent this bill to collections company Genesis Credit Management LLC. I sent many email to Genesis, but Genesis never reply my email. Genesis constantly call my phone. 

I didn't owe anything to XXXX XXXX XXXX. In additional, when I moved in, the room didn't clean up and I find people to clean the room. XXXX XXXX XXXX didn't pay me the cleaning fee.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THROUGH XXXX XXXX BREACH AND SEVERAL OTHER DATA BREACHES ATTACHED IS A COPY OF MY IDENTITY THEFT REPORT WITH ALL FRAUDULENT ACCOUNTS AND INQUIRIES LISTED. 


FRAUDULENT EXPERIAN ACCOUNTS XXXX  XXXX {$840.00} ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ACCOUNT NUMBER # XXXX FRAUDULENT EXPERIAN INQUIRIES XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

**Summary of My Complaint Against Equifax : ** I am filing this complaint against Equifax for failing to properly investigate disputes regarding inaccuracies on my credit report, despite my submitting the required documentation. Equifaxs failure to conduct a thorough investigation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate disputes and correct any inaccuracies in a timely and accurate manner. Their actions have left my credit report reflecting incorrect information, which negatively impacts my financial standing. 

Furthermore, Equifaxs conduct may also violate the Consumer Financial Protection Act ( CFPA ), especially in light of the recent administrative proceeding brought against the company by the Consumer Financial Protection Bureau ( CFPB ) for similar violations. This further underscores a pattern of noncompliance by Equifax with federal consumer protection laws. 

I am requesting that the CFPB take action to ensure Equifax complies with federal law, conducts proper investigations into disputes, and provides consumers, like myself, with the necessary proof of investigation as required by both the FCRA and the CFPA.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX ) XXXX XXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1400.00}
Product: Money transfer, virtual currency, or money service

I linked a new debit card to my account, XXXX in which I have used numerous times on this account. Suddenly, they would not allow me to withdraw funds to my card and said, " funds must be withdrawn to the card deposited. '' So, I then tried to transfer my funds to the bank account from which I deposited the funds initially. And I was unable to do so, as my account was suddenly restricted and prevented from being able to make withdrawals.