23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am seeking clarification on who is the " merchant '' in this legal member agreement. I am a member, I am doing business with BLUEBIRD AMEX, but why is the merchant 's integrity, more important than mine as a customer of BLUEBIRD? : This is the statement from my member agreement I want addressed.

5f. Returning Merchandise If you wish to return any merchandise purchased with a Bluebird Account, Bluebird Card, Family Account or Family Account Card, you will be subject to the merchant 's return policies. If the merchant agrees to issue a credit, such credit may take as long as seven ( 7 ) days or longer to post and be reflected as Available Funds. 

My merchant XXXX, gave me 10 days to solve this claim. The merchant wanted the defective product back, and after I returned it at my own expense by priority mail, and they had it for two days, XXXX paid me. So what does AMEX have to do with an investigation? Are you going to refund my postage paid to return a defective item. I was in constant contact with the seller, because they phone would not work. I even looked up the IMEI number and found out it was made in XXXX and not all protocols were compatible with American phone carriers. The seller strung me along, because I truly liked the phone, but it would not WORK IN AMERICA! I have emails that show I tried over and over to work this out for two months. The seller strung me along long enough for my XXXX protection to run out, but XXXX had my back! 

In my case the Merchant was XXXX XXXX, AMEX does not have a buyer 's protection policy, but just recently is enacting one in XX/XX/2018. My XXXX account, which I used to sign up for my XXXX account over 17 years ago, did protect my purchase. I do not see why this would be treated as a courtesy for the merchant who sold me a defective product. I am the customer of AMEX, and I should be given such a justifiable treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 an account without written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.
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 a vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comp with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause 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 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX MS XXXX XXXX XXXX XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed my account due to it being overdrawn for {$520.00} they reported me to XXXX and I am unable to open a banking account with any financial firm. The debt was paid in full on XX/XX/XXXX. I have contacted Bank of America multiple times most recently on XX/XX/XXXX and have requested that I be removed from XXXX to allow me to open a banking account and they have been unhelpful. 

At this time I am requesting assistance in the removal of this report to allow me to open an account with any financial institution. 

I have just submitted my LLC filling in my state of residence and will require banking services for my business and for payroll processing. 

At this time if Bank of America remains unwilling and unresponsive then I request their formal mailing address to file suit against them as they have been unwilling to resolve this matter amicably. 

Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to poo customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Credit card or prepaid card

I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop them.
Product: Credit reporting or other personal consumer reports

I had a home loan through XXXX XXXX  it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on equifax, transunion and one other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

XXXX and transunion stated they needed a statement or something from XXXXXXXX XXXX  stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in XXXX XXXX statement verifying it was me. These credit bureaus said that that was not enough, rocket mortgage cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Last XXXX SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.

I demand that the following account be validated or DELETED immediately : account number XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$3.00} In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have involved in a data breach and demand all the accounts I have listed to be definitely deleted. You have 4 days to delete this information by law. I have attached all proper documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX advises my four loans with them were covered under the XXXX XXXX XXXX relief act during my military XXXX but that does not mean they dont report to the credit bureau therefore my loans were marked 30,60,90 and 120 days late which destroyed my credit score back in 2020. Upon return of the XXXX XXXX I paid all loans to current status however for four or more years now Carrington has refused to removed those lates which has cost me a lot of money by losing many opportunities to refinance or get better aprs. This company also used to charge a {$15.00} online payment fee costing me {$60.00} a month over a span of 10yrs.
Product: Payday loan, title loan, or personal loan

I track my credit often and on the XXXX XXXX app I was given an offer to obtain a personal loan and the approval rating to obtain the loan was Outstanding. However, I went through the application process and was denied. This inquiry caused a decrease in my credit score.
Product: Checking or savings account

I am submitting this complaint because Bank of America has issued a false report to something called XXXX XXXX XXXX. I had no knowledge of any fraudulent activity nor have I indulged in such activity. I actually drove to the state of Florida to get this resolved because there is no Bank of America in XXXX, Al. I went in to make a deposit into an open account only to find that they would keep my {$500.00} deposit until they investigated if I owed them any funds and if I did not then they would release the hold on my account and send myself a paper check because that particular account had to be forced closed. I attempted to open a new account at XXXX XXXX only then did I find out that due to Bank of America placing me in the system with some type of fraud alert attached to with my name and social, I can not open an account anywhere. I received my {$500.00} paper check from them about a week later and they still never lifted the report. I have been deprived for almost a year of opening a real account with any bank. I would like for this to be removed if you all will be able to help me in any way ... Thanks
Product: Checking or savings account

On early XXXX I opened a saving account with Ally Banking. My first deposit was in XX/XX/XXXX for {$2500.00}. the second deposit was on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX Ally withdrew {$2500.00} by mistake for Stop Payment reason and send it back. That money never got back to my Credit Union account from where it was sent. I have spent 4 hours with my bank looking for that returned money with no success. It is my opinion that Ally Bank made some kind of error when the {$2500.00} was sent back to my C.U. account because it has been a month and 1/2 and that money has not arrived. There was no reason for Ally Bank to send that money Back. I am retired and hope you can help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company is currently reporting an incorrect account to my credit file, please remove this account from my credit file. I have attached a copy of my dispute letter as well as my police report.
Product: Checking or savings account

In XX/XX/XXXX, I opened an account online with chase number XXXX and this account was closed to suspicious activity the bank didnt said me what happened. I went to the branch to open an account in person they said I need a passport because I wasnt a citizen my passport was expired and I get a new one. I went to chase on XX/XX/XXXX and got open a checking and savings account made {$500.00} deposit. This morning try to use the debit card in my XXXX XXXX transaction was declined I went to app to see the balance and the system show the same message before for account previous locked account locked for suspicious activity. I need chase to be clear and tell me whats go on with my data because I gave all documentation to them including Form XXXX to release social security number verification for my document number when I opened the account in person at branch in addition : Passport, Driver License and Social Security XXXX XXXX I neve get a denial to open account anywhere so believe there an error on chases system and they are hiding something from me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX, MI, was where I bought 2 couches that were supposed to be power recline couches on XXXX XXXX XXXX The couches had to be ordered and were suppose to arrive around XX/XX/XXXX, initially, but received a call on XX/XX/XXXX that my couches would not be in for another week and no phone call that the couches were another week out. I had to go in on XX/XX/XXXX, and find out that my couches were finally in and they called me later that day to schedule delivery. I received my couches on XX/XX/year> but not at the time of day that was talked about on the phone and I was not there when both couches were delivered. I came home from work to discover I had received the WRONG couches. I went to the store at XXXX XXXX on XX/XX/XXXX. The store sales man said the manager would get back with me the next day but never did. I was told the manager was out of town and would not be back for a week. I never received a call from the manager.i filed a dispute after 3 straight days to get ahold of a manager to no avail. I still have the couches because I have no way of getting the couches back to the store or the manpower to lift and move the couches back out to a truck to take them back. Sychrony bank has closed the dispute without ever contacting me about the problem with the couches. I sent pictures to show that the couches are not power recline couches. I receive a letter from Sychrony bank that my dispute was denied because XXXX XXXX says they delivered the correct couches but never corrected the issue. The manager refused to talk to me about it before or since the incident started. It is now XX/XX/XXXX, and allni want is these 2 couches to be gone and the money back on my credit card so I can go somewhere else to get my couches.i will NEVER deal with either company again.
Product: Credit card

The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment.
Product: Credit card or prepaid card

Amazon Prime store card from Synchrony offers 5 % rewards in Amazon.com purchases. On my statement that closed on XX/XX/2019, I was awarded {$470.00} in rewards. However, I had {$24000.00} in Amazon.com purchases minus {$4500.00} in Amazon.com returns, so that's a net total of {$19000.00}. 5 % of that amount is {$980.00}, so I am {$510.00} short in rewards. My best guess to the reason is because I contacted Synchrony by chat on XX/XX/2019. The chat representative promised me if I convert my Amazon account to business Prime, I would still be eligible for the 5 % rewards. However, I believe during the conversion I suspect the linkage broke and caused me to stop earning 5 %. Please have this corrected as it was promised by the chat agent. Thank you,
Product: Payday loan, title loan, or personal loan

My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX  on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX.

I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this.

I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so.

That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX  for this installment loan.

I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only.

I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial.

I have attached all the proof of this.
Product: Mortgage

My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block Inc. ) due to inadequate customer service 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX