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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 proces 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
Product: Credit reporting or other personal consumer reports

I asked the XXXXXXXX XXXX company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX  record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.
Product: Credit card

I purchased vanilla visa gift card on XX/XX/year> and the following day on the first attempt to use it to make a purchase it was declined. The card was for {$150.00} and customer service admitted they had been having trouble with the system and would have to send me a replacement card sent fed ex XXXX to XXXX  days immediate shipping. It has been XXXX  days and replacement has NOT arrived. I've called again and they just tell me lies and give me the runaround. I think this is some fraud scheme because they cant even explain why card never worked to begin with
Product: Mortgage

XX/XX/XXXX or XXXX, spoke with XXXX at Selene finance to request a reinstatement. she could not give me an exact figure but said selene would email me a reinstatement quote on monday. 
XX/XX/XXXX i called selene finance spoke to XXXX, explained to her i had not gotten an email and i was concerned about the time line. she said she could see my request, she said she would send a second request with an " urgent Flag ''. 
i explained that we had received a letter from an attorney dated XX/XX/XXXX but i was unsure as to when it arrived the letter stated that if we paid with in 10 days of letter they would forgo their fees but that letter did not have an amount. i had also received mail from Selene that was like the normal statement with an amount due and should i pay that amount? she stated that thoose questions would be answered in the email we would get. i explained again that i was concerned that we where going to run out of time to get the right amount to the right place. 
XX/XX/XXXX i still had no email so i contacted the lawyer who had sent the letter. contact via email because they only give reinstatement quotes via email or written request. 
XX/XX/XXXX law office sent email with payment which was now XXXX $ more dollars. i explained that we had. 
been trying since the XXXX to get this quote and it was friday money is due monday was there any way we could get an extension because our bank would not let us draw off the money for 7 days. she said she was doubtfull selene would do that XX/XX/XXXX i spoke with XXXX at selene about a possible extension since i still hadnot recieved an email from selene. she said they would not delay but that we could wire the money to Selene.
Product: Debt collection

Prior to this debt being sent to collections Ive went to court and contacted the prior owner. They have submitted amounts for rent owed after my lease was up and I was not staying at the property. A judge himself said that they would need to rectify that before continuing to collect. Once my debt was sold off to this company I told them over the phone of the same thing, I advised them that the owner gave them incorrect information about what was owed and I would not be handling anything until it was fixed. They then told me that the owner could in fact charge me rent even if I wasnt staying there and my lease was up because it was rented to anyone else right after my move out. That information was false! They did not try to allow me to resolve the situation with the original owner of my supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the XXXX Bankruptcy XXXX, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Product: Checking or savings account

Paypal is with holding funds for products that have been sold stating that they are outside of my normal scope of business. 8 transactions for a total of XXXX starting XX/XX/XXXX and going to XX/XX/XXXX so far. From XX/XX/XXXX to XX/XX/XXXX I did XXXX worth of business selling the same products but no hold. There are several weeks just like this going back on and off over 3 years with no hold. Since all these items are sold on XXXX, I contacted them to make sure they had no issue with any of these transactions. Every one of these transactions are cleared with XXXX and are in Funds Status Available. The reasons for the holds being placed by Paypal are directly refuted by my own account with them. The online conversations I've had with them show repeated dishonesty and lack of desire to resolve my issues or explain there actions. I have copies of the conversations. They may have good reason to be with holding money from me, however, the ones being supplied by them to explain there actions are directly refuted by my account. They have no subpoena or government request, so, by my understanding of the law, have no right to with hold money from me.
Product: Vehicle loan or lease

Property and sole responsibility for account were awarded to ex-spouse via Divorce Decree and court in XX/XX/2018 ( page 1 & 2 of attached document ( Personal Property Section 3 ( a ) ( i ) ) ). This account should not be on my credit report and recent ( 30 days ago ) delinquent payments are having an adverse affect on my credit score. Company will not remove it from my credit report and wants me and my ex-spouse to go through a transfer of property process which has already happened by virtue of the courts findings in the divorce process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/2023.
Product: Credit card or prepaid card

I canceled an air ticket purchased with my credit card issued by Chase Bank on XX/XX/2022. It shows clearly that the tickets were Fully Flex which means " refund permitted free of charge '' in the email from the merchant XXXX. The merchant failed to process the refund within their promised duration, and I raised a dispute against the merchant with Chase Bank. However, Chase refused to refund the full amount of the value of the tickets citing misleading if not fabricated at all, copies of " refund policies '' submitted by the merchant without providing a fair opportunity for the consumer to provide their evidence.
Product: Credit reporting or other personal consumer reports

I want to File auto dealer fraud CarMax Auto finance None of my documents that I requested match or support the transaction. I went to the Car Max dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The XXXX page has XXXX yet Carmax is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with CarMax financial I have included a letter, emails to Carmax corporate office and screen shots
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX **Date of Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I contacted transunion because if an inquiry on my credit report and they failed to remove a false inquiry. The company name is XXXX  card on XXXX XXXX.
Product: Checking or savings account

Td bank. Sevond time There fruad depart called to letcus know potential fraud been attemted in nevada but were in florida. So we cloed it .they cost us hindreds.in overdraft ans late fees.so the bank mnager gave us his word that only the 2 pending items will keep it open, nothing ekse will be able to ach or pending be able to go through, same thing they tolb d us last time. 2 days later a ach comes out of our closed account that has no money, so they take it out of our new account with a differnt account # and the company that took the ach out didnt even hsve our new account # s so i rush to atm to see if i can still possiby get that ach back and it ket me.now there calli g me every day, firsf ever apolgy letter ever gotton from TD.waved all overdraft and fees.but they still want me to pay for the ach i didnt authurzie and another bill i didnt authurize.out of a closed account .for there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I had been on a forebearance with XXXXXXXX XXXX. This started around XX/XX/XXXX. In XXXX of XXXX I called to get an extension of my forebearance. The rep said that it would be. I called some months later and the rep said I was not approved to be in one. They told md to contact the advocate XXXX and they ended up starting a home retention application. They told me while the home retention is pending my credit would not report negatively. I also applied for the federal money to catch up on mortgage payments called XXXX. I asked them can they wait until the funds are paid to them. They stated that this was my decision to decide. They specifically told me to contact a HUD counseling agency. They gave me one called XXXX based in XXXXXXXX XXXX  XXXX sent loan modification papers to me, and gave me until XX/XX/XXXX to have my loan modification papers back in. I decided that if they will not keep my credit report froze from negative reporting, then I was going to take the modification deal. I called them and ask they did a conference call with me and the XXXX on the phone on XX/XX/XXXX. They told me that it was to late to send them back and they closed the loan modification offer a few days ago. They did not live up to their agreement to give until XXXX XXXX to send the papers back. A few days later started reporting all the negative payments to my credit. Now my credit is destroyed and have lost out on thousands of dollars in interest savings. All I want them to do is report my credit reports accurate, according to the fair credit reporting act. They promised in writing that the offer would expire XXXX, XXXX. My credit would still be good if they lived up to what they wrote to me. They also were the ones who told me to get a HUD XXXX in the first place. Covid came and destroyed the little guy and the big mortgage company XXXX came to finish us off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.
Product: Debt collection

XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.
Product: Credit reporting or other personal consumer reports

Un-authorized inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, that you block the reporting of information on my consumer credit report that is the result of identity theft. This request is based on the identity theft detailed in my FTC Identity Theft Report XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

These accounts were fraudulently opened without my knowledge or consent and have led to unauthorized hard inquiries and collections on my credit report. In accordance with FCRA 605B, I request that the bureaus : 1. Block the reporting of the identified fraudulent accounts, inquiries, and any related information from my credit report within four ( 4 ) business days of receiving this request.

2. Promptly notify the furnishers of the identified information that it may be the result of identity theft, that an identity theft report has been filed, that a block has been requested, and the effective dates of the block.

3. Cease all collection activities related to these fraudulent accounts, as mandated by the Fair Debt Collection Practices Act ( FDCPA ).

To summarize, the aforementioned accounts and associated collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these accounts are the direct result of identity theft and fraud. To support this claim, I have attached a copy of my FTC Identity Theft Report ( XXXX XXXXXXXX ) as well as copies of my consumer credit report from Transunion, XXXX and XXXX, showing these fraudulent items. I trust that the necessary steps will be taken to address and resolve these fraudulent items in accordance with applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX
Product: Credit card

I have two Capital One cards : XXXX. Venture XXXX no : XXXX XXXX XXXX XXXX XXXX. Spark Business no : XXXX XXXX XXXX XXXX Around XX/XX/XXXX, I discovered both of my Capital One credit cards were shown as restricted on the app. I called customer support and was told that both accounts were closed due to eight returned payments in XXXX XXXX. I told them the payments returned were not for the payment due but for mid-month payment to reduce the balance as I was charging in high amounts and more than my credit line. I also told them the retuned payments were due to a bank error on my XXXX app which was reflecting different available balances on the account ending in XXXX which had the many of the returned payments. I also sent a screen shot of my app which shows the problem. 
Please note, none of the returned payments were for the initially monthly payment due and I have never been late for a payment on Capital One nor any other credit card company payments. I have a stellar credit rating. 

Wrong on Capital One : XXXX. Not informing about violations : Capital One never informed me about any violations of terms of service and not even a waring which would result in a closure of my accounts. They should have provided a warning that I was in violation of the terms of service and any further violations may result in cancellation of my credit cards. This would have greatly helped managing and correcting the problem immediately, which I eventually did. 

XXXX. Forfeiture of my earned points : Capital One 's decision to wrongfully confiscate points which belong to me and not allow me to transfer the points to my choice of reward partners is theft and fraud. I think this may be a trend to try to cancel high volume point accounts so the company can avoid honoring the point commitment. In my two accounts. 
XXXX. Ending in XXXX, I have XXXX points XXXX. Ending in XXXX, XXXX points. I feel it is very wrong for Capital One to close my account for any reason and keep my combined XXXX points.