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

I tried to make payments form my Cash App account but was told that for security purposes the payments did not go through and would be refunded to my account after a few business days. The payments were made between Between XX/XX/XXXX and XX/XX/XXXX of XXXX. I assumed the {$420.00} would eventually show up in my Cash App account. 
Note : My Cash App account was brand new established by my friend who asked me to get a Cash App account so he could pay me {$750.00}. In order to create the account I needed to supply a credit card number or debit card number. I opted to give them my XXXX XXXX XXXX  Debit card number. 
Now I still do not have any money back in my Cash App account or in my bank account. Five times I have called Cash App customer support. They repeatedly tell me the funds have been refunded to my Debit Card and they give me the last four digits of my debit card. First of all the funds did not come from my debit card as they came from my friend who had me create the account to pay me. Secondly my debit card does not hold funds. I have repeatedly checked with my bank and no funds have come from Cash App. 
Finally I repeatedly tried to make payments from Cash App from XX/XX/XXXX to XX/XX/XXXX until I had depleted my account. On XX/XX/XXXX I tried to make one more {$20.00} payment from Cash App even though I had no funds. The {$20.00} automatically came out of my checking account. Cash App does not have my checking account number but it must be linked to my Debit Card. It seems they should have refunded to my checking account but they don't have that number. I can not get anywhere with their customer service as every representative tells me their records show I was refunded to my debit card therefore case is closed and they hang up on me. Once again my debit card does not hold money and I am out {$420.00}.
Product: Debt collection

The doctors office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of not submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent. The also falsely reported to the agency that it was " affected by natural disaster debt, this is not something we claimed or filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a formal complaint about the financial distress and hassle I've been dealing with XXXX, EQUIFAX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how XXXX, EQUIFAX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to XXXX, EQUIFAX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.
Product: Debt collection

XX/XX/13 advised them of my identity thief yet the account remains the same after many attempts to contacts and inform them.
Product: Debt collection

I have not received written notice to dispute the validity of this debt. I do not have an account with this company. Once i receive written notice about this debt i can do my due diligence and determine if i should proceed with payment.
Product: Debt collection

OK so XX/XX/2018 was a Friday afternoon. I called XXXX to try and settle a debt That I have in the amount of {$470.00}. After explaining to an agent what I was calling for they then looked up my account and tell me that I had another account with them as well. After they explaining to me the amount on the second account that I have with them. They proceeded to ask me how I wanted to take care of the accounts. I then explained to them that I wanted to pay {$470.00} and pay off one of the accounts. I also explained with pain that I would like to have a paid in full for that account I was paying towards. They then told me that they couldnt give me a paid in full receipt until I paid the second account as well. I feel since theyre two separate accounts they shouldnt fall under the same account and I should be able to get a receipt for two different accounts. One of the accounts that they were also wanted to collect on I have disputed it with XXXX XXXX and XXXX and has been taken off my credit report so I dont feel I have to pay that to them since it has been disputed. So my concern is paying them {$470.00} so I can get a paid in full receipt for that account. That one account is holding me back from getting an apartment of my own so I can have somewhere to live. If I could get some kind of resolution I would greatly appreciate it.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third Essential Checking Account. I only had {$2000.00} dollars in the account prior to this deposit. Rather than hold these funds for six days ( which is the length of time stated in their Reg CC Hold Procedure ) to verify that the check was legitimate, Fifth Third Bank made those funds available the very next business day, XX/XX/XXXX. 

This out-of-state check ended up being fraudulent from an account that was closed over a year ago, so Fifth Third penalized me the full amount on XX/XX/XXXX because I had already spent {$4000.00} dollars from this account. On XX/XX/XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX named, XXXX, notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. 

Fifth Third failed to follow their own Hold Procedure, which would have prevented this problem from happening in the first place, and that is why I am submitting this complaint.
Product: Checking or savings account

In XXXX XXXX reached out to Chase to resolve the matter that was explained in the cases that are listed below and Chase has been unresponsive to XXXX. The case num er that chase needs to respond to is XXXX. 
Previous case numbers that can be used for more detailed information regarding this case are as follows : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. XXXX XXXXXXXX : XX/XX/2023 XXXX Credit Plus : XX/XX/2023 2023
Product: Credit reporting

I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not
Product: Credit reporting or other personal consumer reports

I just spoke with someone at Experian and they informed me that I can't dispute the accounts on the ground that they never responded to me in any regard to my XX/XX/2023 dispute of XXXX  XXXX, XXXX, and XXXX XXXX. Case # XXXX Report # XXXX. In XXXX XXXX XXXX, I sent a notarized and certified debt validation letter with copies of my I.D . and SS card and current bank statement to all three of the major bureaus including Experian. They have never responded to that letter to this day. The only reason I even know the Case & Report number is because they mentioned the dispute in the comment session on the XXXX XXXX account only and I called and asked for them. Afterward, I asked the Experian representative if he could view the dispute letter and he told me all three accounts were listed in it. I sent another dispute letter in XX/XX/2023 mentioning that they had not responded and requesting that they respond back to me through the mail. They did not follow my request and electronically responded at which point I deleted my Experian account to mitigate their refusal to comply with my rights under the FCRA. Twice now they have not responded to my validation request. Once, not at all, and a second time not in writing through the mail as requested.
Product: Credit card or prepaid card

I purchased several items with XXXX and opened an account with XXXX. I've had several issues with this credit card company. They are very focused on charging additional fees and not working with customers to pay off their balances. The latest issues I had with them are : 1 ) A late fee that was assessed on my account even though I tried to make the payment on the due date but received an error. I paid the very next day and then called to explain the situation but received no assistance at all. 

2 ) A Promo finance charge : I was charged a promo adjust fee on an item where I was led to believe that the monthly payment calculations are calculated with the promo period taken into consideration so if you make you payments regularly you should be to take advantage of the promo but it turn out to be that when you buy several products the monthly payment is calculated off the balance only.
Product: Credit reporting or other personal consumer reports

The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/year>, Equifax has XX/XX/year>, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handing of disputes, particularly in light with the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle multiple times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claim adequately. They informed me the recovery of lost funds was impossible and tracking this transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow repeated offenders to exploit the system and leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was XXXX XXXX XXXX over a debt from XXXX in XXXX. I have never had anything in collections from them.
Product: Mortgage

We made an agreement to buy a new home from TriPointe Homes through their sales agent XXXX XXXX ( XXXX # XXXX ) The address of the property is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
The agreement was signed on XX/XX/22 This was agreed to be a primary home purchase. We made a deposit of {$12000.00} for this purchase. 

The loan agent XXXX XXXX ( XXXX # XXXX ) from the builder ( tri pointe connect ) approved us for a primary home with a down payment of 10 % and interest rate of 5.625 %. 
XXXX encouraged me to also create a FAKE lease for our current primary with friends and family to overcome the high debt ratio. 

When i refused to do that, they could not quality us as Primary Home. 
They wanted me to change the purchase to Investment with a much higher down payment and higher interest rate. 
For obvious reasons, we could did not want to lie and refused to buy it as investment home. 

At this point, they refused to return by Deposit and not responding to any of my mails. 

They also refused to provide me a copy of form 1008 and 1003 of my original loan application
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with XXXX, XXXX, XXXX.It reflects that an unauthorized Hard Inquiries from your company : CBNA Hard Inquiry done on : XX/XX/2017 Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX, XXXX, XXXX to Dispute center and to the Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence from CBNA.
Product: Checking or savings account

I deposited {$2800.00} on XX/XX/XXXX in my Capitol One checking account which promised funds would be available within one business day, or XX/XX/XXXX. Instead the bank put a hold on the funds until XX/XX/XXXX. Capitol One prides itself on being a digitized bank, which means in practices that humans at the bank have no authority over the algorithms. 

After 5.5 hours on the phone on XX/XX/XXXX, I found a human who grumpily said she would lift the hold after I threatened to contact you. But in fact the funds are still blocked. I can not send funds through XXXX and the XXXX XXXX says I am disqualified with no recourse. They will not even let me send a cashiers check. 

Twice before, the algorithms of big companies have tagged me as a criminal because i changed my name in XXXX, as part of a XXXX XXXX. 

In the case of XXXX XXXX, it took XXXX XXXX 's intervention to stop them dragging out a credit application for 6 months and to abjectly apologize. With XXXX, the XXXX MA XXXX XXXX XXXX arranged a {$5000.00} settlement for XXXX XXXX in hiring. 

XXXX discrimination is still that even when you hide behind algorithms which equate XXXX people with criminals. I am not trying to rob anyone, least of all myself. I just want my money. 

If you can find someone at Capitol One who can override their algorithms, please do. I can not. I intend to bring this also to the Massachusetts XXXX XXXX XXXX and XXXX XXXX. I am probably not the only person being picked on this way. 

I am XXXX and living in XXXX XXXX if that makes me more sympathetic.
Product: Debt collection

XXXX XXXX acct # XXXX amount {$220.00} was removed from my credit report in XX/XX/2022 after I hired an attorney to validate, pay off and clear up in valid debt that needed to be clear, this account was disputed and removed due to FRAUD XX/XX/2022 of this year. As of XX/XX/2022 this account was sold to LVNV FUNDING LLC Acct # XXXX {$220.00} and added back to my credit report. This account is fraud. I've never done any type of business with any of these companies and I don't owe this debt
Product: Payday loan, title loan, or personal loan

This fraudulent company has been mailing unwanted credit cards and Pre-qualified loan offers to my deceased father, among many other people. The company is a scam and a fraud. There are dozens of complaints against them all over the Internet and XXXX. They need to be investigated and put out of the public 's misery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Financial Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX They are Re-Aging old debt so that it stays on the credit reports longer. 

They were sold the debt but the XXXX is not correct since the account is years old and they have it as XXXX of 2022. 

XXXX XXXX is XXXX XXXX XXXX
Product: Credit reporting 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 are reported 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.
Product: Credit card or prepaid card

XX/XX/2020 Redeemed XXXX points from my US Bank XXXX XXXX for {$800.00} to be deposited into my US Bank Checking Account Week of XXXX Called Customer Service line to inquire on why redemption hasn't deposited into my account yet, all under the same name. 

XX/XX/2020 Called again and was escalated to a manager, was explained nothing can be done while a separate team, where I can't contact, will look into it. 

Close to three weeks wait for a rewards redemption is unreasonable. At the same time, my annual fee just posted, at least that works. It feels like my redemption is being held hostage and I'm forced to pay the annual fee whether I want to continue the card or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX  XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.