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 Finance Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Midland Funding purchased debt originally from XXXX Bank. The account with XXXX was orginally opened XX/XX/XXXX, first reported XX/XX/XXXX, at the time balance was {$950.00}, note the original credit limit was {$950.00}, and I keep getting offers from Midland to pay debt, they 're stating my current balance is {$1700.00} and I have XXXX options to pay, I did n't respond. I do not owe this debt ; I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws. I have checked with my State XXXX and verified that the Statute of Limitations for enforcing this type of debt has expired. Midland has re-aged this debt and this is simply a fraudulent act. MCM Account Number is XXXX and the Original Account Number for XXXX XXXX XXXX XXXX XXXX XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Product: Debt collection

I started receiving phone calls from someone last summer claiming that I owe a debt for a XXXX purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a XXXX account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a Midland Credit Management company. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XX/XX/2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a XXXX account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying XXXX XXXX, XXXX XXXX
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit card

We were on vacation on XXXX XXXX in XXXX ( on XXXXXXXX XXXX ), and stopped at an establishment offering " free '' beach chairs if you purchased 2 drinks from them.I ordered two drinks and the waiter asked for my credit card ( I gave him my Capital One Savor XXXX ) .He came back with 2 drinks, my card, and my receipt for XXXX euros! We drank our drinks and left because they were continuosly harrassing us to buy more drinks, food etc, but we decided to leave before they could steal any more of our money. ( This place, called XXXX XXXXXXXX XXXX has an incredibly bad reputation on the internet and are known for overcharging customers every day, so much so that the XXXX  government fined them XXXX euros for treatment of its customers! ) XXXX refused to post my review as it already has over XXXX horrible stories from their customers.When I got home I did not see a charge for XXXXEuro but a {$570.00} charge instead ( 350 % more! ) We started a dispute claim and Capital One said that the vendors receipt showed a {$440.00} tip!! We asked multiple times for Capital One to provide us the receipt from the vendor and they claim that they would send it but it is weeks later and they have not responded and say that we have to pay the {$570.00} charge! We did not authorize this charge and will pay {$110.00} that we owe but have no intention of letting Capital One become complicit in this fraudulent abuse of its customer! Can someone PLEASE help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything unless I send in my deletion request letter. I have mailed my letter on XX/XX/2019 and have heard nothing and the inquiry is still listed. The company XXXX, XXXX, XXXX XXXX XXXX has no record of me in their system. I have no application or means of an account for the inquiry to even appear on my report. Im filing this report and listed inquiry as fraud. I have been asking TransUnion to remove this inquiry from my report. I also will be mailing another letter to the company once again.
Product: Credit card or prepaid card

On XX/XX/2021 i received my federal refund in the amount of {$10000.00} I withdrew money in the amount of {$10000.00} between the XXXX and XXXX in increments of XXXX dollars. 
cte On XX/XX/XXXX I received {$750.00} and {$75.00} on my card for payroll from team car care aka my job. 

I used my card in one store XXXX XXXX XX/XX/XXXX in the amount of {$330.00} for a phone and attempted to use it again but it was declined. 

Once again I tried to use my card at an atm the XXXX and today the XXXX to no avail. 

I called customer service Saturday XX/XX/2021 to see as to why my card was declined instore and at the atm. Customer service was rude, not answering my questions, acting very suspicious and giving me many different answers as to why and what was going on. I was also hung up on several times by several customer service reps and managers while trying to get this resolved. 

I am expected another {$1400.00} from stimulus to be deposited on my card sometime this week of XX/XX/2021 through XX/XX/2021. I as well expect another deposit from team car care on XX/XX/2021 in close to the same amount as above. I am also expected another deposit from team car care in the same amount on XX/XX/2021 in the same billing cycle that American express is claiming I can not use my funds on my card as I exceeded my limit on my card. They also XXXX that I can sent the money via ria to someone and I have tried this to no avail. I can not get all the funds off to close the card now and I fear they may close my account with funds on my card as I have seen them to this to others recently in the past 60 days. 

The customer service reps in all gave me in total the excuse of I have a {$750.00} a day atm limit, I have a {$2000.00} a month limit to withdraw money off the card by another customer service rep. I was hung up now in just the past 2 days by roughly 4 customer service reps and 2 supervisors all of which refused to be of any assistance and kept telling me that I have a temporary card. They refused to acknowledge my card is not temporary and that it is a card from XXXX XXXX that I received years ago and it had my name on it. 

I repeated that I was able to in the past years and with my recent withdrawals to pull off XXXX a day and especially from XXXX to XXXX as their card agreement states. They claimed their website did not state this and that I was lying. They stated to me there is nothing they can do in regards to my account so I can pull my money off and close my account to prevent further criminal activity from their company. 

I am informing everyone I know, including making a complaint against this company to prevent anyone else going through this mess as I have been and countless thousands of others on a group I am on that informed me to report the company for what their doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. XXXX reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.
Product: Checking or savings account

The Hold harmless letter that was requested from HSBC was sent over a month ago. Many emails have been sent to HSBC several times, without any response. I would greatly appreciate a legitimate response from HSBC. 
This issue has been going on since XXXX, XXXXXXXX XXXX  As, an HSBC customer, I have not been involved in any bad faith, as HSBC assumes. I have been honest in all my dealings. This is a dishonest accusation from HSBC.

After numerous phone calls to HSBC, from their customer service line, to XXXX XXXX ( Customer service relations ), XXXX XXXX ( Senior Customer Service Relations Manager ). Which I have left numerous voicemails for a return call, all to no avail. I have been given many false statements and promises, the money ( XXXX ) would be returned to XXXX XXXX XXXX. The monies still have not been returned. I have been promised this investigation and money will be returned within 90 days. It is now going on 120 days HSBC, is engaging in many dishonest practices to the US consumer. 
I need an immediate response about my complaint and/or the money returned to XXXXXXXX XXXX  , immediately. I NEED to know the time frame of my request. 
When I file this complaint, CFPB, just accepts the fact that HSBC sent me a response in letter form. This is not good enough at this point. They ( HSBC ) need to take action and return the money now. 
This needs to be resolved immediately. HSBC also needs to be chastised for poor financial business practices. 
Sincerely, XXXX XXXX XXXX. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was supposed to receive my school refund through XXXX, but they sent it to an account I never selected. I have never authorized this bank account change, and I have been trying to resolve this issue for over 3 days. I have contacted XXXX multiple times, but they refuse to provide clear answers or let me speak to a supervisor. My school 's financial aid office has also escalated this issue, but XXXX is still not resolving it. I need my refund reissued to my correct Chase account immediately.
Product: Money transfer, virtual currency, or money service

Unlawful closing of my account XX/XX/scrub>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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the above link Citi bank did not honor the bonus after I met all criteria. I followed all instructions and requirements. I called the customer service line only to be told that no promotion is applied to my account. Many resources on the internet say that Citi Bank has not been honoring the promotion due to high number of applicants and their representatives directly share that they are instructed to push back escalate when the customer asks for the promised promotion.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification of XXXX hard inquiries to my credit report. These inquiries were from XXXX XXXX XXXX XXXX, Capital One Bank, and XXXXXXXX XXXX XXXX XXXX I have not applied for any credit cards through these banks, nor do I have open accounts with any of them.
Product: Credit reporting or other personal consumer reports

Its clear as per complaint XXXX with the CFPB my account was closed in retaliation. You guys even said yourself my account was to be reviewed over 2 months before its closure and wasn't due to " error '' even though I made MANY attempts to get updates and to escalate the issue. I paid my bill in whole every month XXXX issues besides PROVEN and agreed upon fraud disputes. I then removed my AU and used my cars up until it was closed by you with XXXX warning and prior to the restrictions. Now I ask for more details it's " classified '' information but if I get another card I can't even use it without fear of an unexpected closure for XXXX reason..would n't it be right to atleadt tell someone their " violations '' so it's not repeated. I was due justly monetary relief and to evade those cost you guys closed my account. I will take this to court I have contacted the treasury and general attorney and this is my last attempt for you to make things right. 

Violations : THE DOCTRINE XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT. XXXX XXXXXXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION XXXX XXXX XXXX 15 USC 160468 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. NONE OF THIS WAS LAWFULLY DONE.

If these laws don't apply to you and if my claims are incorrect please detail how and back your claims with LAW not company policy or I will send an Affidavit of notice to file suit for deformation due to the status of a perfect account now reflecting negitive as " closed by company ''
Product: Bank account or service

ATM card was stolen. Bank security measures did not prevent thieves draining account. Bank is violating federal law by refusing restitution. I will continue to file these complaints and proceed with legal action until bank complies with federal law reporting requirements regarding debit card theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX, XXXX, & Transunion are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXXXXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. XXXX XXXX XXXX  in XXXX 2022 and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/ 2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XXXX 2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by 100 points due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all.
Product: Debt collection

I've sent in XX/XX/XXXX, and XX/XX/XXXXChallenge letters asking for Debt to be removed that's not mine but showing up on my XXXX  report. Who's ever debt it is used a different social security number but my name. I've also called in and asked for it to be removed in XX/XX/XXXX. It's affecting my credit and also I can't get into to my online credit file because of incorrect security questions due to this incorrect debt of {$18000.00} XX/XX/XXXX. Reported XX/XX/XXXX. I've, also sent XXXX  my social security number, passport, utility bill and pay stub. I've asked them to remove address I never resided at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX