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

I was using cash app as a XXXX transfers and payments for my XXXX I'm trying to start up and I regularly used Cash App for almost 2 years and never had any issues I had deposited a large amount of money then I was notified by Cash App that my account was restricted and that my features would be limited in the app and my money was taken from my account without my permission and not replaced and I contacted Support and they gave me no help and they told me that I violated their terms and uses which I have not done
Product: Checking or savings account

Bank of america core checking account can waive the checking account monthly fee if there's direct deposit of {$250.00} and more. I have a direct deposit of {$250.00} in XXXX but bank of america still charged me a monthly fee of {$12.00}. They said that they can not waive the monthly fee for me because they have a specified billing period. The direct deposit dates must be in the billing period ( XXXX to XXXX of next month ) to get the fee waived. 

This is not stated in the agreement when I opened the account. Hope that bank of america can help me reverse the monthly fee.
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. 

XXXX : # XXXX, XXXX DEBT HOLDER : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.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 originally filed a complaint with CFPB regarding amsher collections.

I also sent a debt validation notice to amsher to which amsher did not respond.

I am filing this complaint on the basis of amsher collections knowingly attempting to collect a debt that is not owed in violation of fair credit reporting act. 

The amount amsher is attempting to collect is for a merchandise that was returned to the merchant, XXXX. Amsher provides a signed receipt for original purchase but knowingly failed to submit receipt showing that item was returned to XXXX. 
Item was an online purchase that was not delivered to me. I requested XXXX cancelled delivery, which it did. thaNot only was item returned to XXXX, the item was not delivered to me. 

Amsher will need to show proof of delivery of online purchase. 

And the XXXX statement ( see last page ) provided by amsher shows a charge for the item and then a subsequent refund.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX I have had the car for 3 yearsI have 2 more years or so to pay off this car. I feel I was over charged and I have had numerous issues with the car. Changed brakes 2 times, power steering pump went out and more. I bought this car thinking I was getting a reliable vehicle and that just using isnt the case. I think they saw me a sucker and sold this car to me. I feel they need to come down on this price as they sold me a piece of crap. If you can help me out that would be great. 
Thank you
Product: Debt collection

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to CKS Prime Investments at XXXX XXXX  XXXX XXXX VA XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX XXXX Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and CKS Prime Investments has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
Product: Mortgage

The bank is not providing credit for payments made and held in the suspense account. I am attaching correspondence from the bank dated XX/XX/2020 and XX/XX/2020 wherein they acknowledge receipt of payments and that the payments were returned to me in the form of various checks therefor they no longer have my funds. I have also attached copies of some of the checks sent to me but not cashed. ( I also note the bank correspondence indicates additional checks were sent that I do not have ) finally I have I attached the banks affidavit of amount due and owing which lists a {$0.00} amount for the line item less/plus balance due in suspense accounts. Payments from XXXX XXXXXXXX XXXX were put into the suspense account. I never cashed the returned checks nor received credit
Product: Mortgage

I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.
Product: Prepaid card

I received a prepaid debit card ( XXXX ) for a rebate. Its exp date was XXXX. I misplaced the card around XXXX, and just found it. I called the issuer ( Citibank ) to request reactivation/replacement, as the CFPB says is required. They said they could not, that the remaining value ( ~ {$26.00} according to their records and mine ) was forfeited. I 'd like to get that repalced correctly. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX and I have tried and tried calling this company several times trying to establish a legal and binding pay back agreement on this loan and I am being hung up on and disregarded with no regard to setting up payment agreement.PLEASE BE ADVISED I AM NOT GOING THROUGH WITH FILING BANKRUPTCY and is trying to save my credit. I have not been offered an extended pay plan at all although this is what was stated that would be offered upon account default with last cfpb complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status she stated she opened a ticket about it and would follow up with 24 hrs and never did.
Product: Credit reporting or other personal consumer reports

I got a notification from my credit karma that between XX/XX/XXXX and XX/XX/XXXX VW Credit Inc. submitted that I owed them {$380.00} and that the account was charged off. This is patently false as that account was paid off in full. Even if that account wasn't paid off, there is no history of me having an account in collections or no attempt from VW Credit Inc. to contact me about anything that was owed in the last 5 years. As a result of this, my credit score has gone from XXXX to XXXX overnight right as I am in the middle of trying to apply for important business and personal loans. This is ridiculous and borderline fraudulent in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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 following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX used my information and applied for a personal loan ( {$730.00} with interest, loan- {$650.00} ) to Affirm Inc without my consent. Affirm Inc. approved the loan without my consent or any additional verification. Affirm Inc. reported my account to XXXX and my XXXX score has significantly affected due to this wrong doing. Further, Affirm Inc. had sold my account to collection agency, XXXX for the recovery. I am requesting here to take strict actions agains XXXX XXXX XXXX to use my information and applying for the loan without my consent and against Affirm Inc. who approved the loan to XXXX XXXX, without any additional verification. Because of this wrong doing, My XXXX  score has significantly affected and hence, affecting it in my personal and professional life in several ways. I have also filed Identity Theft report. I also filed a dispute with XXXX on Affirm Inc. wrong doing. To your knowledge, I have never used any kind of services or products either from Affirm Inc. or XXXX XXXX XXXX with the given loan. Further, I have never signed any documents to approve this loan amount to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by TransUnion. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to XXXX  and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, these inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I applied for the Chase Sapphire Credit Card and received an adverse action letter date XX/XX/XXXX. I also applied for the Chase business card back in XX/XX/XXXX. First, I sent a letter in regards to the adverse action and received no response. I then called Chase today, XX/XX/XXXX, and spoke with XXXX and XXXX. XXXX is the Supervisor for Customer Relations. I asked XXXX to let me know what laws and procedures were followed in order to come to the determination of my application and XXXX didn't know so she stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for her to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. She stated that she can review the application based on the credit report in 30 days or she can transfer me to escalations so I was then transferred to XXXX. I then asked XXXX all of the same questions that I asked XXXX. XXXX stated that they follow all laws and regulations but could not provide me with the specifics. He then said Chase has the right to approve or deny any application. I told him that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told him that I can't be discriminated against for exercising my rights. He said again Chase has the right to do so. XXXX was acting as an authorized rep for Chase and He, along with Chase are now held liable for discriminating against me.
Product: Checking or savings account

XXXX, 2021 : XXXX offered a trial of this product. I was led to try the product for {$5.00}. Instead, XX/XX/2021 : I got the following debits from my account : {$1.00} and {$49.00}. 
On my bank statement, the phone number assigned to XXXX is from PayPal. I do not have a PayPal account and did not authorize XXXX to use PayPal. 

XX/XX/2021 : XXXX, ID # : XXXX, wanted me to provide my SSN, my credit card number, and my banks account and routing numbers. I did feel comfortable providing these, so I initiated a non-fraud claim. Also, XXXX could not verify that I had PayPal and did not ask the name of the company or the products name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with XXXX XXXX XXXX. I also dont even know where the original debtor originated from. This is fraudulent
Product: Checking or savings account

After 16 years as a loyal account holder with Bank of America they closed my account with no explanation 3+ years ago. I have contacted multiple departments to try to receive the funds that were in the account at the time of the closure {$4200.00} and was ultimately told they would be held indefinitely with no timeline for release or explanation. 

Representatives spoke to most recently regarding the release of these funds being wrongfully held : XX/XX/XXXX XXXX floor manager XXXX XX/XX/XXXX XX/XX/XXXX manager XXXX XXXX Next day opening XXXX XX/XX/XXXX XXXX XX/XX/XXXX supervisor XXXX claims to be calling me back today. 
XXXX called back Friday .. no resolution XX/XX/XXXX XXXX says XXXX calling back once she is off call XXXX XX/XX/XXXX Called back XXXX get another supervisor as no call back was made spoke to XXXX escalated to supervisor XXXX XXXX asked to be connected to supervisor above him XXXX leaves me on hold for over 20 mins ignoring me. Another 30 mins on hold transferred to XXXX XXXX supervisor
Product: Debt collection

This company is attempting to collect a debt that does not belong to me. Delete this account immediately
Product: Credit card or prepaid card

My address for my replacement card was changed somehow so when i want to order replacement card ot goes to an unknown address and i dont have access to the address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address reporting to my Equifax, XXXX and XXXX credit report that is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and found several accounts being reported inaccurately. I have disputed these accounts with the reporting agency but have not received a timely response. These alleged accounts have caused great harm to my report. As I result, I have experienced a lot of stress. My stress levels have caused my XXXX XXXX to increase to the point of needing medication. I am challenging the following accounts : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : N/A 2XXXX XXXX XXXX Account Number : N/A 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : N/A 5. XXXX Account Number : XXXX These accounts are in violation of 15 USC 1681e ( b ). They are not reporting with maximum possible accuracy after having been reinvestigated. Thus being used improperly to damage my reputation. USPS tracking : XXXX
Product: Credit reporting 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX alerted me to unusual activity with my credit card. My XXXX XXXX was hacked. My XXXX  id was breached & my XXXX  wallet & bank account app were compromised. I closed my XXXX  credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my XXXX  account. XXXX XXXX continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called XXXX XXXX at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.