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

The company admitted taking over {$5000.00} from these two accounts. The fact that the company is quick to point out that business accounts are not protected under the Overdraft Protection Act, has a look of deception to it. Due to the fact that every federal and state agency that oversees banking institution has stated that fare practices would lean towards business account being given the same level of treatment as personal accounts, which the larger number of banks have done. The fact that these accounts were left open after being in the negative well after a close off time, seems to be the accounts were a lush fund for the bank, who would remove hundreds of dollars in overdraft fees upon the next deposit and that many of these fees were due to bank services fees that then triggered the overdraft fee. One of these accounts was charged off, the bank accepted an {$85.00} deposit from my mother who was not on the account and then when questioned about the deposit, the bank denied accepting the deposit and after much pressure, finally admitted to placing it towards the charge off, which I still do not know the amount of. Under the fare practices and transparency laws, the bank only gives a Overdraft Privilege paperwork which states is " an option '' not mandatory. The bank keeps referring to this as the basis for putting the business accounts into Overdraft Privilege without permission, which is intentionally misleading.
Product: Checking or savings account

On XX/XX/year>, I was approved for an East West Checking account which I deposited {$50.00} with my other account. On XX/XX/year>, my account was closed and my {$50.00} was never refunded. I repeatedly contacted them by email and phone and still could not get my money back.
Product: Payday loan, title loan, personal loan, or advance loan

I needed a personal loans for {$3000.00} but advance can only do {$1000.00} I asked that in the state of GA the minimum is {$3000.00}. She said this was only online and didnt count, and advanced cash will only debit twice a month but they have been debiting my bank account every week. Not only was the loan amount not {$3000.00} as per the state of ga. The loan is also predatory in nature I borrow {$1000.00} I will pay back over {$5000.00} this is not reasonable
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 a significant financial loss, and inconvenience and I seek that this manner is to be appropriately readdressed for these violations.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Received letter from ALDOUS and Associates, P.L.L.C in XX/XX/XXXX regarding a debt for a gym membership that I did not owe with an amount on or about {$350.00}. Sent a dispute form to them in XXXX. XX/XX/XXXX, ALDOUS and Associates sent a form with my contact information ( name, old email, phone # and dob ) from the parent account that had enhanced privilege and was cancelled in XXXX, this time with a debt of {$220.00}. There was my contact info for which my father provided for the enhancement on his account that was cancelled, but no signed agreement with me as that didn't exist. His account was an autopay for $ XXXX then with enhancement, $ XXXX total. When he cancelled in XXXX, that was that. On XX/XX/XXXX, I sent a dispute letter correspondence denying the debt, requesting a copy of a signed contract between ME and the facility, requested that they do not contact me again and note to any credit bureaus that the debt is disputed. On XX/XX/XXXX, ALDOUS and Associates claimed my dispute was invalid because they claim I was sent a copy of executed agreement ( which was never sent as it doesn't exist ). They sent contact info of my father ( email, contact info address ), but again provided no contract between me and the gym in their rebuttal correspondence but threatened to report a different debt amount of {$250.00} to credit bureaus. {$350.00}, {$220.00}, {$250.00} which is it? The bottom of the letter states, " At this time, no attorney with this firm has personally reviewed the particular circumstances of your account ''. I am sending one last do not contact letter and filing this claim as I have never signed an agreement with the gym ( I have attended school out of state far away and use my school email ) and never signed a membership contract to a facility. I believe this to be fraudulent/scam attempt to collect money that isn't owed and ruin my credit, or terrible accounting records at the gym in an attempt to collect money. Guest access on a parent gym card, a gym membership he cancelled in person, doesn't convert itself into a separate new contract between me and the gym, becomes an unpaid debt to collect from me. I never signed a membership contract with this small gym. My contact info that is what parent provided as the guest to use the enhanced card doesn't make me an account holder ( not when I was a minor and not when I did not sign anything agreeing to terms as an adult ).
Product: Credit reporting, credit repair services, or other personal consumer reports

inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) 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
Product: Debt collection

I am a victim of identity theft and was informed that my information was stolen by someone or Company. My Name, Social Security Number, and Date of Birth was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 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 an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

NR/SMS/XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have reported unknown accounts on my credit over and over and nothing has been resolved. The credit bureau has repeatedly denied my claims. I do believe a fair investigation has not been conducted. There is an account on my credit that I have not authorized and have no known knowledge of and been trying to report for some time now. No letters have been sent out to me or an investigator has not reach out in regards to this claim. Resulting in an account still being attached to my credit file. When I try to reach out, I am being told that theres nothing that can be done.
Product: Credit reporting or other personal consumer reports

I was paying experian to view all three credit scores every month. The next Due Dat to refresh my scores was on XX/XX/year> I tried to refresh and got an error stating XXXX does not have matching information and that I should get a copy of XXXX report and submit it to them and that should fix the problem. I did that and that didn't fix problem. I kept calling to advise texperian of that, and every time I call them I get a different reason as to why I still can't see my 3 scores. This is now XXXX and I still can't see my scores. They said it was escalated, they escalated a month ago. I am thoroughly annoyed. The customer service is horrible. I've lost my temper a few times, but again, I've been dealing with this for 4 months now.
Product: Debt collection

I XXXX XXXX entered into a consumer transaction with WELLS FARGO and XXXX XXXX. These two organizations violated my consumer rights and Federal Law. There was a Finance Charge involving this consumer transaction which is the sum of all charges according to Truth In Lending Act. I was manipulated into making monthly payments and paying cash down for this vehicle. WELLS FARGO and XXXX XXXX did not disclose my right to rescind. This is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any Items which are found to be opened due to identity theft. The dispute Items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these Items belong to me will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the Items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$2900.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX  Original creditor XXXX XXXX  XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/22 @ XXXX called MRS associates to discuss collection notice on my account. I asked if payment were to be made if it would be removed from the credit report. I was told that they report to the credit bureaus every 30 days. I also advised I would need a letter stating that the debt had been cleared and that it would be removed from the credit report. I was told a " release of debt letter '' would be sent. 

The XXXX agent omitted the fact that the letter would not include the language I had requested and did not indicate that, as I was told later on, no " pay for delete '' would be possible. 

I believe that they were deceitful in their attempts to obtain payment and lied by omission. 

Further, XXXX confirmed this was sent to straight to collections. I was not given an opportunity to make good on my debt. I still have an account with XXXX for Internet services. No billing indicated I was delinquent and service was never cutoff. Further, they have record of our transfer service request with our new service address. 

In follow ups with XXXX XXXX, repeatedly told it would be removed from Credit and yet no follow ups.
Product: Credit card or prepaid card

On XX/XX/XXXX I took my 2010 XXXX in to Tires for less for a flat tire. The worker showed me a tire that he said was {$74.00} dollars and then asked him if he had XXXX of them he showed me both tires and we agreed to do the work. I then went to lunch and when I came back the car was complete. I inspected the car paid and drove off. When I got home I noticed my account was charged {$540.00} dollars which we did not agree on. I then went back and he said that it was nothing he could do. I then called my bank and disputed the transaction and they said I needed a receipt but the merchant never gave a receipt.
Product: Checking or savings account

I have a td bank account. I wanted to add a large amount of funds to my td account. I also have a personal checking XXXXXXXX XXXX XXXX that I use. Therefor I went to XXXXXXXX XXXX and asked for a cashier check in my own name to make a deposit into my td bank account. I did that instead of asking for a large cash withdraw just to simply put back into my td bank account. Td bank has then froze all of my funds. The checks were in the amount of XXXX and XXXX. I also had a previous amount of funds in my account before the checks were deposited. Thats all my money I have and I have a whole family and bills to pay and td wont give me access to my accounts saying that my XXXXXXXX XXXX cashier checks arent legit. I then went to XXXX XXXX and asked them to provided documents for these checks and my statemnwnt with receipts showing proof. But yet td still refuses to release my funds. I despair the checks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to address the unexpected and unjustified closure of my Chase Freedom credit card account. As a loyal Chase customer of nearly XXXX  years with an impeccable payment history, this action is deeply concerning and unacceptable. Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right. Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.
Product: Money transfer, virtual currency, or money service

This was the problem with Zelle and how they allowed a man to send me XXXX $ to my XXXX  XXXX acct and then he disputes the money and I lost my whole acct even my work check that came to that acct I never got this was at least 4-5 years ago around XX/XX/year>XXXX  maybe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a XXXX  account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX  and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX  agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX, Caller ( XXXX ) XXXX called XXXX XXXX XXXX XXXX ( XXXX ) XXXX stating they were from XXXX XXXX and were in the process of disconnecting my service. I was panicked and directed them to call my sister, XXXX XXXX ( XXXX ) XXXX, who takes care of my financials. The immediately called her at XXXX and explained that service was being disconnected and payment was needed. She offered to pay via credit card but they explained that in this situation where disconnect was in process they could only take XXXX. They then proceeded to walk her through the process of paying via XXXX in the amount of {$290.00}, removing the late payment. They then proceeded to explain that they payment was not accepted because the system was not taking in to account the removal of the late payment, she she processed another payment for the {$310.00}. They walked her through how to request credit through XXXX for the refund of the first amount and said just to round it up to {$290.00}. They then stated service would be restored and put her on hold to confirm with supervisor. A few days later, after refund did not process through as a refund, she reached out to XXXX XXXX to learn that they never accept payments through XXXX. So unfortunately this was fraud and they took a total of {$910.00}.
Product: Credit card or prepaid card

Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. 
I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. 
I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. 

Thank you!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) specifically cash app failed to take timely 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 theses actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am urgently reaching out to address the presence of fraudulent accounts on my credit report. It has come to my attention that there are inaccuracies within my credit history that require immediate rectification. I insist on the immediate removal of these fraudulent entries to restore the accuracy and integrity of my credit profile. As the victim, I am perplexed as to why the Credit Reporting Agency ( CRA ) is not adhering to the law, especially when the other bureaus have complied with similar requests. 

Upon thorough examination of my credit report, I uncovered unauthorized accounts and transactions that I did not initiate or authorize. These discrepancies pose a substantial threat to my financial stability and overall creditworthiness. I demand that you promptly investigate and rectify this matter without delay. 

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

I have attached 2 FTC reports with inquiries that are fraudulent
Product: Vehicle loan or lease

The reason for my dispute is because I sent the attach letter seen on the image to CAPITAL ONE AUTO FINANCE on XX/XX/XXXX. Reference # XXXX which they received on XX/XX/XXXX via certified mail with return receipt also you can see on second image provided. I asked them to remove an illegal inquiry dated XX/XX/XXXX to this date XX/XX/XXXX I have not received any answer from them at all. If this illegal inquiry continues to be in my credit report I will have no other option but to seek legal advice to protect myself. Let this letter be my final request/demand for inquiry removal before taking legal action against the company above mention
Product: Debt collection

I haven't given Capital One any access to any of my personal information or any signature, or the date of XX/XX/2022, I would like, for this to be removed from my credit report.
Product: Credit reporting

I requested that the credit bureau provide me a physical copy of the original documents according to the Fair Credit Reporting Act section 609 a ( 1 ) A. They provided nothing only stating that the accounts were verified. Under this act the credit bureau 's must comply with federal law or they are in violation.
Product: Credit card or prepaid card

I have a credit card that was hacked. It had a balance of over {$5500.00} before the hack. Then it was hacked and they made charges to total the balance of over {$11000.00}. We tried resolving the issue with wells Fargo and they verbally communicated the transfers were made over in XXXX. We have never seen statements indicating this. They refuse to even send physical proof of their words. We have never left the country in the past 10 years. Wells Fargo refuses to credit the account back to original balance before the hack because they said the account was logged in and out from a credible account in XXXX. Wells Fargo froze the credit card and we are fine with that. We just want to go back to the original balance, pay that off and be done with wells Fargo.
Product: Credit card or prepaid card

I received a fraud alert from my credit monitoring services-XXXX XXXX and XXXX with concern that an account was opened in my name for XXXX 's Citibank with a {$500.00} limit on XX/XX/22. As of today, there is no balance being reported on the account. 
On XX/XX/22 I filed a fraud alert with the XXXX credit bureaus and contacted the company.