23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase abruptly close our joint checking account without notice, and put almost $ XXXX dollars on freeze. We have no garnishments, IRS locks, or otherwise owed debt to anyone, and have other bank accounts working correctly without locks.

Chase has refused to transfer the money or release it. We have called their fraud department several times and nothing has been resolved. Their refusal to explain why the accounts were closed is beyond reprehensible. Especially with $ XXXX being held. 

Their only offer was to mail us a check for the $ XXXX, but we can not accept mail at our new residence yet, as the USPS hasn't assigned a route yet.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance : {$26000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
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 violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely ineffective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Further. Their dispute. Resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) in regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for this situation
Product: Credit reporting or other personal consumer reports

There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXX that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX
Product: Debt collection

Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my report
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 g 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 redress for these violations
Product: Money transfer, virtual currency, or money service

After speaking to Blockcain support i made a withdraw of my funds and i cheaked the adres, but went to a different adres. And i cant see the funds not anymore in my account. 

The adres it went was XXXX I think it's a blockchain adres, but they can't tell me and let me now i can see it on XXXX scan. 

But it was with them i had the contact, but the don't want to help me to find out or refund my asset. 

The transaction ID was XXXX Could you find out it was a scam onder the name of blockchain support or was it realy this compagne? 

It was a suptational amout of XXXX coin XXXXXXXX XXXX so i hpoe you can help me out?
Product: Debt collection

We received a REINSTATEMENT CALCULATION letter on XX/XX/XXXX. We sent payment on XX/XX/XXXXovernight via certified mail and return receipt. The return receipt indicates that payment over $ 17K was received on XX/XX/XXXX.

We have called XXXX three times on different days always leaving a voicemail to the account manager at ext. XXXX.

As of today, we have not received any confirmation from Bank of America, N.A., that the payment has been posted to Account Number XXXX.

We made the payment under duress before the foreclosure sale as indicated in the attached letter. We were never previously notified that that there was a " foreclosure sale ''. We do not understand.
Product: Debt collection

I received a bill from a debt collector in regards to {$150.00} owed to XXXX XXXX. 
This is not my debt. I disputed the debt with the debt collector directly on XX/XX/XXXX and opened a dispute with XXXX on XX/XX/XXXX. 

I have not heard back from the debt collector but I spoke with an XXXX representative who told me that all they can do is verify information but if I believed the account was fraudulent to then file a fraud report here. 
I also contacted XXXX directly who has filed a fraud report. I am in touch with their Fraud Prevention Team as well now. 

I have never been an account holder with XXXX and have never received a bill from them directly. XXXX is my current wireless provider and the account I am under currently I have been with since XXXX. That account has no outstanding balance and the latest bill has been paid in full. Again I am not the account holder anyway and have never been. So I believe my information was used to open the account listed on the bill sent to me by the debt collector and is fraudulent.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681.

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 my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

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

Dispute-Hard Inquiries : CITBANK NA BEST BUYXXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called XXXX  for inaccurate XXXXnquiries/other inaccuracies- XXXX  took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called Best Buy, Citibank NA- Best Buy Citibank asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call XXXX  back. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX  tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Bank account or service

I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... ..XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the XXXX XXXX payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are XXXX different ones being reported between bureaus XXXX XXXX XXXX XXXX  ... all 3 cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} XXXX XXXX XXXXXXXX Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Product: Credit reporting or other personal consumer reports

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX  late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm not exactly sure of the date and the amounts were {$35.00} per insufficient funds and fees applied causing my account to go into negative. Several times.
Product: Credit card or prepaid card

Barclay 's Bank U.S. closed my 10-year old account with no notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to the resolution for Complaint # XXXX your company provided and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
The complaint was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the named in the attached letter. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Mortgage

To Whom ThiS May Concern : I am confused as to the entity claiming to own my loan. 
Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you
Product: Student loan

The federal lawsuit with Sallie Mae? How can a regular borrower, be compensated in the lawsuit, like the military veterans?
Product: Credit card or prepaid card

Citi  made a duplicate payment  ( {$2900.00} ) t o a merchant in  XXXX   XXXX . It refused to collect the duplicate payment from the merchant, and told me to make the collection . Citi  indicated at the time that all fees would be waived while I was collecting the money.  Citi main tained the duplicate charge on our account.   I finally obtained the funds from the merchant and forwarded them to  Citi i n  XXXX   XXXX .   In  XXXX   XXXX   Citi fi nally reversed all of the bogus late fees and interest it had charged to our account. The balance now is zero.  Citi h ad been, in error, reporting to the credit agencies that our account was delinquent. It refuses to correct those erroneous reports.   As a result, ou r credit score ha s been reduced more than  XXXX  points and we are incurring substantial penalties as we try to refinance a mortgage.
Product: Debt collection

I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents
Product: Credit reporting or other personal consumer reports

First I discover A XXXX account was on my credit report. I disputed it Experian blocked it and removed favoring toward me that indeed the account was open fraudulently. Some how t mobile sells the same account I disputed to XXXX XXXX XXXX XXXX and now the same account that was already verified was fraudulent appears on my account as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.
Product: Checking or savings account

My account was charged twice of {$670.00} for paying a new telephone at XXXX XXXX. Bank of America deducted twice XXXX. I got credit for one charge the second one I havent got credit for it its in dispute. 
XXXX XXXX XXXX did not want to take a payment from Bank of America requested a different method of payment so I used my chase debit card to pay the XXXX and Im asking Bank of America to give me back my second XXXX with the charge. I submitted all the documentation the statement from a manager of the branch helped me. She looked at my paper she looked. Everything was correct. They still dont wan na solve the dispute. This is been going on since month of And one of the clerk when I was working what she thought because Im XXXX Im hallucinating I should go and ask somebody to help me with my record with my bookkeeping. I know Im XXXX but I still have mind Im not crazy. The branch are very good is just XXXX number or whatever they are headquarter. I filed a complaint no luck XXXX {$670.00} its a lot for a XXXX senior citizen to lose they playing game with me they dont wan na give me my money. Im so disappointed although Im XXXX I still know bookkeeping and I know how to balance my checkbook. Please help me to solve this problem, I have nobody else to go to.
Product: Money transfer, virtual currency, or money service

My friends phone was hacked and an impersonator contacted me via XXXX requesting {$2000.00} to help my friend in the hospital. I made XXXX different transactions from XX/XX/2023 to XX/XX/2023. All transactions added up to {$2000.00}. I later found out that my friend had never requested this money and I was the victim of a scam. I went to file a complaint with my bank XXXX Bank of America ) but they havent given me further information. I made the transaction via XXXX and was given ( by the scammer ) the following email address : XXXX I have blocked the number and have filed a complaint with my bank. I am XXXX XXXX XXXX and on a limited income. 

I appreciate your help.
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credit Control , LLC XXXXXXXX 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 Dear Credit Control , LLC , I am writing to formally dispute the validity of the debt referenced above, which you claim I owe to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, the servicer for XXXX XXXX XXXX, stating that after investigating my fraud claim, the account would be closed and not sold. Additionally, they assured me that the tradeline would be deleted from the credit bureaus. 

Contradiction : Despite this assurance, I received your collection notice dated XX/XX/2024, indicating that the account has been sold to Credit Control , LLC for collection. This contradicts the information provided by XXXX XXXX XXXX. 

I request the following : 1. Verification of Debt : Please provide comprehensive validation of the debt, including the original amount, any interest or fees applied, and the chain of ownership from XXXX to XXXX XXXX XXXX to Credit Control , LLC. 
2. Documentation : Copies of any agreements or contracts that authorize Credit Control , LLC to collect this debt. 
3. Cease Collection Activities : Until this matter is resolved, please cease all collection activities and communication with me regarding this debt.

4. Credit Report Correction : Ensure that any negative information reported to the credit bureaus related to this account is corrected or removed, as previously assured by XXXX XXXX XXXX XXXX 

Please respond within 30 days of receiving this letter. Failure to provide adequate validation will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to protect my rights under the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely,