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

I am filing against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes, I have already gotten my new card and i'm still seeing one more Fraud transaction on my account! and I have tried to call to get this fix so many times and they keep saying that were gon na take care of it but nothing ever happen and i'm spending more time answer non sense question. I don't know how you guys are being trained but this fraud transaction need to go! 

XXXX for XXXX on XXXX XXXX XXXX 

and please train the last XXXX agent i spoke too but they have been wasting my time on the phone when i could have been doing something else. what a great way to raise my stress level!
Product: Checking or savings account

Last I tried to fix the problem, I was told someone had used My social security number to open and close a trust fund. Now banks will not work with Me. My identity is constantly stolen and data taken from places that got breached. XXXX XXXX most recently. I am going to be getting lifelock here this month and have tried several times to work with reporting Identity theft always ending in them not helping me and treating me like I am the one creating the issue. I need help. I just want to fix this issue so I can have the ability to bank again.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX XXXX XXXX after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from 3 your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to XXXX on XXXX XXXX about a debt collection account being inaccurately reported on my credit report. It has been more than 30 days since I filed this dispute and I have not received any proper information that's there has been a Theral investigation. My identity has been at risked because of this company inaccurate reporting and has been destroying my reputation. I have not given XXXX, Equifax or XXXX any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. 

I would like to request the collection be removed. These reports are impacting me negatively which makes it extremely hard to get a vehicle for me and my family. I would like to request proof of any written authorization each credit reporting company has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. XXXX has been giving more than enough time to conduct a proper investigation to validate the account and has failed. I demand that this account along the others should be removed immediately. 

1681i ( A.5 ) says that after the reinvestigations... all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. '' Pursuant To 18 USC 8, I Owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 [ XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] [ [ collection Debt owed : {$740.00} ] [ Original creditor : XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ collection Debt owed : {$510.00} ] [ Original Creditor XXXX ] [ XXXXXXXX XXXX  XXXX ] [ collection Debt owed : {$2400.00} ] [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Money transfer, virtual currency, or money service

In light of the recent lawsuit regarding Zelle, I wanted to express my concerns w2ith the company. I've used Zelle numerous times and have reported discrepancies as I've come across them, which sadly has been quite numerous as well. Zelle has neglected to protect and go to bat for their consumers, allowing many problems to go unresolved, some being repeat issues. It's system has left we the consumers vulnerable and open to many a scam, allowing offenders to continue to exploit that same consumer base.
Product: Credit card or prepaid card

I pre qualified on my BBVA app for the clear points card a few months after joining this bank and was denied due to too many recent inquiries. First let me say I joined this bank only after a banker telling me that BBVA gives great loans/credit cards to people with a high fico score like me which intrigued men. In reference to the recent inquiries I had just applied for an auto loan so I had 8 recent hard pulls showing on my credit. I called to explain this to the credit analyst to which they told me that sometimes a hard pull will let them see the individual credit inquiries and that they would most likely approve me give my high income and credit score. I went through with the hard app, was asked to verify my ID and Address and then was told I was denied ... an hour BEFORE they pulled my credit. They didnt need to pull it if I was already denied. Now I have an additional hard pull for no reason. I believe BBVA is selective to whom they extend credit to ... regardless of how good their credit profile is. I could go on and on about how disappointed I am with joining this bank.
Product: Debt collection

There are XXXX XXXX XXXX on credit report XXXX for {$5800.00} and XXXX for {$1400.00}. These incidents occurred on XX/XX/XXXX. These were billed to insurance and no debt is owed. I have tried to work with company to get this removed with no avail. They also keep moving the open date which is currently showing XXXX so that it stays on credit report. Both of these should be removed as they are over XXXX XXXX XXXX. There is no way of me to pay or charge insurance again as XXXX XXXX does not even have records of this visit anymore or the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.
Product: Debt collection

About a year to two years ago, I began receiving statements from Amsher Collection Services about an unpaid debt from XXXX. These debts were in the {$300.00} to {$400.00} range, and have since reached about {$500.00}. I have not ever had an account with XXXX for any services, as my cellular services were with XXXX until about a decade ago when I switched to XXXX for cellular services. A couple of months ago, this debt began to show up in my credit reports at the XXXX, XXXX, and XXXX. I have since had issues obtaining some lines of credit as a result of this issue. I have attempted to work with XXXX to get information on the alleged account but been unsuccessful. On XXXX, I attempted to work with AmSher Collection Services but they had already turned over the account to the XXXX XXXX XXXX XXXX. I have no definitive proof that I did not have a XXXX account, which makes this issue especially difficult to prove.
Product: Credit reporting or other personal consumer reports

I had/have a free MyEquifax account, and probably about 6 months ago i got locked out of this account. This is a big issue because my social security number was just in a breach, and the banks notified me. So i need to be able to access all the Bureau security freezes!

When trying to log in/reset a password, it says my account does not exist. Weird, since i KNOW i had an account and have emails from them. Then i go to create an account, and it says theres already an account existing. 

So i try calling them for over an hour, over and over again, however they wont let me through to an agent. They ask me 10 minutes of security questions each time, then say sorry an agent cant help you. The issue is the security questions DONT MAKE SENSE. I keep getting one that's asking - " how much is the payment for the above account '' - ... but they dont explain what account. It's strange and confusing. after calling 4-5 times and trying, i am at a loss. I cant talk to an agent, I cant access freeze. I finally found an email address, XXXX, so i emailed them just now explaining everything. This email was hard to find, and i dont know if it is the right email address to contact them.
Product: Credit card or prepaid card

I have 2 cards with the same cycle, due on the same date, yet they have different processing when it comes to payments. 

In the past if I was a day late on paying the minimum, I could pay it and it would not count against me. 

My payment for both cards is due on the XXXX of the month. 
I logged in XXXX to pay both minimums. 
I added a new account to pay, the system verified the account and added the account as a payee, which it would not do if the account was not accurate. 

I was able to pay the minimum on the smaller balance, however when I tried to pay the one w the larger balance it wouldn't let me. 

I called, and the rep said I couldn't pay it bc it was a day late. I explained I had paid a day late plenty of times, besides the system allowed me to pay the other account, which had the same due date. She could not explain why and said I would be charged a late fee on one account and not the other, although they have the same cycle and due date and even though this was not the case from the past. 

Then I got a message the other payment didn't go through bc there was an error with the account that has already been verified and added as a payee. I called, the rep put the same exact numbers in to remake the payment and of course, I was charged a fee on that account as well. 

I was charged {$75.00} extra on the larger balance and {$6.00} extra on the smaller balance, which to me were predatory fees being there clearly is no standard practice. 

Now, early this morning, XXXX I made a payment to both cards using an old account that I've used many times. 

Of course, the smaller balance went through and shows a pending payment. 
But the larger balanced account is still saying I'm behind, which is inaccurate, because I have a receipt in my email showing I made both payments a minute apart from the same account, both in the early morning of the due date, XXXX. 

Further more, just like last month, the cycle ended only on the larger balance and shows I have to wait until the next cycle to make a payment, that already made on time this morning. 

The system is not functioning properly and of course, Capital One is making money from the " errors ''. 

The screenshots uploaded are from XXXX on today, XXXX. I made both the payments this morning around XXXX, which is also in the screenshots. What kind of system records certain payments but not others?
Product: Debt collection

I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. Nelnet Student Loan Servicing has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Product: Money transfer, virtual currency, or money service

XX/XX/year> chase XXXX transaction was {$200.00} sent to a unknown person number sent to was XXXX ( XXXX ) XXXX in new york.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.
Product: Mortgage

I AM A XXXX XXXX XXXX XXXXXXXXXXXX XXXX AN AM DESPERATE TO SAVE MY HOME. In XX/XX/XXXX I was contacted by PHH regarding their mortgage relieve program ... .I provided them with info they requested at that time and they reduced my payment from $ XXXX to {$670.00}. I made payments in that amount on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However PHH returned the XX/XX/XXXX amount of {$670.00} to my bank account with no explanation. 
I contacted PHH and was told that I did not qualify for the program as there was a problem with my title. I requested that they tell me what was wrong... or provide me with a copy of the title that they were using in their determination ... .but they refused to simply tell me what the issue is so I could resolve. They then stated that they were starting foreclosure proceedings immediately. I made calls and contacted all agencies re : the status of my title and was told over and over there was not a problem with the title including lien searches thru XXXX XXXX XXXX and a company that specializes in lein searches. PHH then proceeded on a rampage of calling me and stating I was in foreclosure and they were taking my house several times per week but never offering assistance on how to resolve the issue even to the point that they sent me a letter stating as much. 
I spoke to an attorney and he looked at the info I had gathered and thinks that the " lien '' that they are referring to is from XXXX XXXX XXXXwho are no longer an entity- who held my loan before it went to PHH..>they would be the lien holder as my mortgage carrier, however, that issue is not valid any longer as PHH bought my loan from them thereby severing that contract.! 
I am in the beginning process of filing formal complaints with : Federal Trade/Banking Commission XXXX XXXX XXXX in Arizona, New Jersey XXXX Florida and Maryland
Product: Debt collection

On XXXX/XXXX/XXXX I called the agency to advice of my dispute the first representative was very rude and became irate after advising her I was disputing the debt I was only notifying them why I was disputing since she seemed bothered by my call I wanted to make sure my file was documented correctly and placed on the right status. I decided to call again maybe the colector was having a bad day. When I called again That call was even worst the gentleman nearly verified who he was speaking with he kept muting the phone ( Im sure he was speaking to the other representative ) I asked for the time being to place a cease on my file he just said ok and hung up on me. I was bothered by the way I was treated and felt I wasnt being helped and treated unfair as I was just stressing my concern and dispute in my file. So I decided to speak to a supervisor to see if I could get some help But that was not the case I was treated unfair and feel they were being abusive in the way they were treating me without a reason. As I advices the representatives it is not personal I just wanted my account reviewed further in reference to the charges I was disputing. Which is my right to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on my Experian report I sent letters but nothing has been done if you can please look into these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.