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

Iam filling 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I purchased a condo from Wells Fargo in XXXX. To avoid XXXX insurance ( I was young at the time of purchase and took the lead from my agent and lender ), Wells Fargo opened up a HELOC at the same time of the original mortgage. This loan agreement has plagued me ever since. I have tried to refinance the HELOC, I have tried to refinance into XXXX loan and every time the fees and the interest rate make it impossible. I previously received assistance refinancing the main loan because it was so underwater, but no agency will help with this HELOC. Had XXXX allowed me to open XXXX mortgage for at the time of purchase, I would be in a good place financially and could have refinanced during the low rates the country saw the prior XXXX years. Now inflation is back up, the rental market is back down in XXXX and I am again struggling to manage this property. The way XXXX approached this loan was unethical and set me up for a long term problem when the XXXX insurance situation would have resolved in a matter of XXXX years. I have reached out to XXXX for help with this loan several times without any success. Now as I try to sell the unit again, the agent and attorney in XXXX have concerns with the way the property note was structured. I would like XXXX to offer a solution here that does not cost me thousands in closing costs to fix their unethical approach to lending to a young woman in her XXXX. It is impossible to pay off this loan -- the interest alone is crippling. Predatory ; unethical and just plain vile.
Product: Debt collection

Jefferson Capital Systems has reportedly tried to collect debts that I have never owed. In investigation into the company needs to happen. 

I have no idea how XXXX allows this to happen
Product: Credit reporting 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.

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 seven 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 informationisinaccurate.
Product: Debt collection

I requested my free credit report at XXXX XXXX XXXX and noticed that they had me for Placed For XXXX XXXX XXXX XXXX XXXX XXXXXXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX I don't know what is going on but this account does not belong to me and its affecting my credit. I need this account to be removed if they don't have anything in writing by me or signed they need to remove this immediately from my credit report that includes from all XXXX XXXX XXXX XXXX Im checking my credit report and writing letters to dispute accounts. I do not recognize as well and sending them notorized and mailed certified as well. I ask please to investigate and have XXXX XXXX Removed that account once again does not belong to me. I also noticed that they have me at XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX I never lived at that address please have this as well removed from my credit report thank you.
Product: Credit card or prepaid card

I tried to purchase a membership through XXXX XXXX, but it's continuing to deny my American Express card..Can you help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX  XXXX  inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX I purchased a flight with Frontier in the amount of XXXX. 
On XX/XX/XXXX I went back on Frontier too book a ticket for my cousin when i realized the price was significantly cheaper. I went through the prompts of cancelling my ticket and I believed to understand is that I was going to be refunded {$700.00}, however once speaking to a rep they informed me that I was going to be charged XXXX $ as a cancellation instead. I ended up having to rebuy the same flight tickets so i essentially was charged 2x for the same tickets. The representative refused to do anything to help me or let me speak to a supervisor although i reached out immediately after this was done. I saved for two years for this vacation and I can not afford to pay double the price for these tickets over a mistake that was made. I'am looking to be refunded for the XXXX from the 1st charge on my credit card for tickets that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and Merchants Adjustment Service ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Product: Credit reporting or other personal consumer reports

Affirm is not the original lender, I completed purchase through XXXX, they usually offer biweekly payments with no interest. The original lender is XXXX XXXX based on documents I found. Loan was processed XX/XX/XXXX, meaning first due date around XX/XX/XXXX. I made final payments XX/XX/XXXX and XX/XX/XXXX with a XXXX debit card since my bank returned payment due to my direct deposit date and affirm did not attempt to rerun like other creditors. However, even if I paid my final payments XX/XX/XXXX and XX/XX/XXXX. That is still technically less than 30 days late. Affirm is reporting me 30-60 days late on XXXX and will not update info.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

I am an adult male with an XXXX XXXX and on the XXXX XXXX. Money was legitimately deposited into my PayPal account, ( my stimulus check, by my mother, through HER PayPal account. Then fraudulent activity occurred, ( I was taken advantage of - my account was hacked ) then this was resolved, the money reversed back into my account, and now PayPal will not release that money that is rightfully mine, they are now saying INDEFINITELY. ( first they said they would only hold it for 180 days ; it has been over a year ). They are holding this money and not releasing it for NO apparent REASON. Nor could their customer service person provide me with any explanation as to why. They are holding over {$2200.00} of mine, and refused to give me a timeline of if or when I can have the funds that are suspended in my account. They simply said there was nothing they could do.
Product: Debt collection

Company name : Exeter Finance Corp Company Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Exeter Finance Corp is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge of this, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

I would like XXXX to remove the filing as it creates a burden of impairment and does not promote equality in the social economic venue of personal contracts and unalienable rights devoted to the consumer account violation of the following with consent to remove from the consumer is willful intent to injure and neglect the following complain under 15 usc 1608 fair credit accuracy and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.
Product: Credit reporting or other personal consumer reports

Inquiries listed on my credit report were not initiated by me.
Product: Debt collection

XXXX  ( Report # XXXX ) RE : JPMCB Card # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information. 

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to 680.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have XXXX remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my loan XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6500.00} Balance updated XX/XX/XXXX not my cc XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX was never late XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX not my address XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX not my phone numbers  XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXXXXXX XXXX XXXXXXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX  XXXX I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

As requested by the credit bureaus, XXXX  and Transunion please see attachment for additional relevant information concerning the following account. ( XXXX XXXX  ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.