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

I am filing a company ( Block , Inc. ) due to inadequate customer service and unfair practices, which violatet he 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, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit my online disputes with transunion all day yesterday and this morning. In the dispute page of my report it doesn't guve me a edit or dispute button to dispute an item such as my personal name being shown as my brother 's name, a child support collection agcy from the tn dept of human services not being mine but my brother 's once again. I have tried emailing transunion with no response back. I am trying to repair my credit because that is all i have left.
Product: Checking or savings account

I used my Citibank XXXX XXXX XXXX  card to reserve an XXXX. XXXX cancelled reservation XXXX weeks prior and supposedly return funds to Citibank. My Citibank account is closed and XXXX had new card. Now Citibank says it could be up to XXXX to XXXX days to get my funds back that were returned from XXXX. These are my notes of the timeline. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX forXX/XX/2024 paid deposit of {$1000.00} with my CITIBANK XXXX XXXX XXXXXXXX. 

XX/XX/XXXX, XXXX Host messaged me to cancel XX/XX/XXXX, XXXX XXXX said they initiated the refund in FULL, to a KNOWN XXXX bank account, declined to just give account credit even though I stated I was going to spend the money with them for another XXXX XX/XX/XXXX, XXXX Reserved NEW XXXX, paid {$1000.00} with a different card from different institution. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX supervisors declined to call me to speak on issue, would only message to me to say that they couldnt do anything and I could only call me bank for an update. Only messaged me at XXXX XXXX and then would not reply for days. 

XX/XX/XXXX, XXXX Paid remaining balance on the new XXXX of {$720.00} XX/XX/XXXX, XXXX I spoke with an agent at XXXX named XXXX who stated that my refund has been re-received with XXXX and rerefunded to my new card on file and that would receive it within XXXX hours, AND the same night/late that night I received a messaged from a NEW agent stating that they had no idea who and why I was told that because they did not send out the funds to a new bank and that they dont have any funds to help me and if I wanted an update I needed to call the bank and not them XX/XX/XXXX, XXXX I sent requested screenshots to XXXX from when I spoke to my bank of them stating they have not received any funds from XXXX, after thaXXXX XXXX ignoring my messages and calls for XXXX days! 

XX/XX/XXXX, XXXX XXXX messaged me stating I needed to send in a XXXX XXXX of my bank stating they have no received any funds. ( still have no received requested supervisor call for now over XXXX days, even though they said callback time would be no more than XXXX hours ) I was told I would have a call back from Citibank on XX/XX/XXXX from the supervisor team # ID XXXX ( they wouldnt give a name ). I still have not received a call nor an update or my money. I fully paid and utilize a whole new XXXX and am still waiting for my original refund of {$1000.00} which neither CITIBANK or XXXX say they have. This has caused me great financial hardship and o cant get any answers from the bank or the company.
Product: Mortgage

Looking high and low, I can not locate a way to contact BSI Financial Services. I sent a message yesterday, and today I got an opaquely technical message from XXXX saying the message was deleted unread. I simply need to tell them I have a new bank account number for their auto-pay set up ( same bank ). I spent an hour and half yesterday XX/XX/2022 establishing the new count ( the old one having been compromises by fraud ) and don't think they have contact information. 

A customer service phone number, online chat or valid email address ought to suffice. If they don't have at least one of these, they shouldn't be handling residential mortgages.
Product: Credit reporting

Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company.

In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score.

I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report.

I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action.

I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue.

Sincerely, By : XXXX : XXXX XXXX / XXXX / XXXX  in fact. 
For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/year> you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX Account number XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account.

The Date of Charge-Off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

Sirs ; On XX/XX/XXXX I attempted to write a ( good ) check at the local XXXX 's store to cover the cost of my purchase for {$2400.00}. My personal checking account had over {$15000.00} available. 

However, my check was denied by Certegy Check Services ( used by XXXX 's ), with no explanation given as to why. The employees at XXXX 's also had no information as to why I was denied. 

My wife then wrote a check ( {$2400.00} ) on her account which is in a different bank, in a different state, from mine. She had over {$40000.00} available in her account. Her good check was also denied by Certegy!  No explanation given for the denial. 

We then had to leave the store, go to my personal bank and have a cashier 's check drawn up to XXXX 's ( {$2400.00} ) to cover the purchase. 
I then returned to the XXXX 's store and completed my purchase. 

This incident has caused me and my wife personal humiliation and embarrassment in front of several other customers and XXXX personnel. Not to mention the adrenaline fueled 'anger ' I suffered through for hours because of Certegy 's inexplicable actions. 
Not a good thing for a XXXX year old man with XXXX XXXX! 

I came home after this incident and called Certegy attempting to get an explanation from them. However, all I was able to do was 'talk ' to their automated phone service. Where I got no answers what-so-ever ( apparently designed that way ). Less than useless! 

The next morning, after little sleep, I called the XXXX 's store and explained the situation to a manager there. She also could not give me any information as to why a person who has NEVER written a bad check in his life, with more than sufficient funds in his checking account, was denied. 

Same result for my wife who also has an excellent credit rating, no history of bad checks of any kind, ever, and had more than sufficient funds in her checking account to cover the check. 
Absolutely no explanation from the XXXX ' store manager as to why my wife 's good check would also have been denied. 

I see on-line that Certegy has hundreds of complaints against them for the very same reasons as mine.

I see that this has been going on for years and years.

I see that Certegy has been sued more than once for the same issues as mine, and forced to pay millions of dollars to the victims of their illegal abuses.

I see from the complaints, and from my personal treatment by Certegy, that they are STILL abusing innocent consumers who are simply trying to write a good check!!

I have also learned that these inept actions by Certegy may result to dings on my credit-rating and to that of my wife.

I write a GOOD check and because of Cetegy my credit-rating gets dinged? 

Certegy is used by many, many stores, not just XXXX. 
People are being hurt by their actions. 
Please deal with this humiliating, abusive company. 
Their ongoing abusive actions are illegal and are hurting good people! 

Thank you,
Product: Debt collection

Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from Midland Credit Management. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX  EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to XXXX XXXX and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a account that was reporting inaccurately reflecting I had several missed payments & payment status was delinquent over 120+ days late ( XXXX ) when in fact the account is current. I have legal court litigation documents stating I am to pay {$0.00} on the account until we schedule a hearing no earlier then XXXX XXXX XXXX The consumer reporting agencys needs to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of court documents aswell as a copy of my credit report to this complaint on the following inaccurate payment dates in question. 
I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments on account # XXXX. 
( cause # XXXX ) child support does not constitute nor did it not originate in a consumer base transaction. Which means there where no lines of debt extended. If this information can not be verified, I demand these payments & account be updated to current/ on time immediately or removed from my consumer report entirely. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Many years ago, prior to XXXX, I used a company formerly named XXXX XXXX, to consolidate all of my debts into one amount. In XXXX, I had multiple issues with the company, therefore, I decided to cut ties and pay the company in full with a final payment being {$15000.00}. After the final payment, XXXX XXXX, locked access from my online account, which didnt concern me, until I received the first call from a debt collector, who alleged that I owed {$15000.00} from a debt purchased from XXXX. I contacted my bank, which provided records of the final payment. After several disputes with the collector, blemishes to my credit report, the first collector seized communication. After consulting an attorney, XXXX finally acknowledged my account was paid in full. Fast forward to XXXX, I was contacted by a second debt collector. I was harassed, threatened and had more blemishes placed on my credit report with ghost missed payments on the XXXX account. I sent the second debt collector the email from XXXX, along with a bank statement showing that I had paid the amount and threatened legal action. Fast forward again to XX/XX/XXXX- XXXX, I now have the third debt collector, Consumer on me, who is harassing, flagging my credit history with missed payments and a newly added collection account. XXXX XXXX has now appeared on my credit under there new name XXXX XXXX and placed more ghost missed payments on my account. Each time I try to dispute old negative marks on my credit, I miraculously get more missed payments and the debt is sold again to a new collection agency. Please help.
Product: Prepaid card

My boyfriend and I received a {$100.00} XXXX gift card. We went to the website on the back ( XXXX ) today, XX/XX/year>, and it said we couldn't access the site on our server. I then called the number multiple times and was hung up on each time.
Product: Debt collection

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

LVNV FUNDING LLC XXXX
Product: Credit reporting

I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.