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

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Customer 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 harm, and I seek appropriate redress for these violations.
Product: Checking or savings account

I deposited a cashier 's check totaling {$1500.00} in my account and they haven't made it available. They said it would be available XXXX which is contrary to Reg CC.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine ive tried to remove and i do not have an account with them and it keeps adding to the amount and never removes i have disputed this multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through XXXX 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.
Product: Debt collection

I have no legal binding accounts with this company nor any debt and no accounts with the number of XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX ( " XXXX  '' ) dated XX/XX/2018, which indicated that a debt owed to creditor XXXX  was owed in the amount of {$11000.00}. 

I do have student loans that are serviced by XXXX, but I am not in default of my payments to XXXX, have received no notices of missed or late payment from XXXX, and the amount ( s ) in the letter from XXXX are not related to my student loan amounts. 

XXXX offered a onetime payment of {$2200.00} to resolve the total amount allegedly owed of {$11000.00}. However, I do not owe the amount alleged in the letter, and this appears to be a fraudulent attempt to obtain a payment from me for a debt that is not in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting

I placed a security freeze on my account a year ago after my wallet was stolen with all XXXX credit reporting agencies. I am now trying to lift the freezes so that I can get new lines of credit opened in the future. XXXX and XXXX lifted the freezes immediately, but I can not lift the freeze with Equifax despite contacting them via their website, by phone, and in writing. Every attempt is met with the same form letter to resubmit my request including social security number, proof of identity, etc. in writing even though I have already done so and have a proof of delivery from USPS priority mail that this information was delivered to them. 

I have all of the required information available and my XXXX digit pin, but I can not get them to respond. I also have their hardcopy form letter response. Please help!
Product: Money transfer, virtual currency, or money service

I requested to get my money back from Albert App on XX/XX/XXXX and they keep telling me they can not because a bank account that is closed can not reconnect to their portal. 

I provided all documentation they asked for and they are not honoring it because they can not connect to XXXX XXXX accounts which are no longer active because all XXXX XXXX accounts changed to XXXX Bank with new accounts and routing numbers. 

They do not offer phone support or any person for me to interact with to solve this. They are currently holding {$340.00} of my money that I requested sent to me by check on XX/XX/XXXX. After spending 3 days working with them through texts and emails. 

I also attempted talking to XXXX and XXXX, both of which told me they could do nothing about it because it is not Fraud and involves internal systems for Albert. 

Albert App banks with XXXX Bank.
Product: Checking or savings account

A merchant, named XXXX XXXX XXXX, fraudulently took {$440.00} from my checking account after lying about making repairs to my camera that were not made. The merchant is located several XXXX miles away from my home which made it impossible for me to visit. I shipped my camera, via XXXX, to the merchant. 
The merchant notified me that the camera was " repaired '' and demanded payment before returning my camera. I was forced to pay the merchant without having knowledge that my camera had not been repaired and was still broken. 
The merchant cashed my check and, about XXXX weeks later, returned my camera to me in a state of disrepair. I contacted the merchant and attempted to demand a refund but the merchant was uncooperative. I subsequently contact PNC Bank, described the situation thoroughly, and asked for its assistance in recovering the funds. 
PNC Bank did nothing to recognize that I was a victim of fraud and essentially supported the fraudulent act of the merchant by admonishing me for not putting a stop pay on the check. PNC absolutely refused to recognize that I could not stop pay a check BEFORE my broken camera was returned to me which is before I knew I was a victim of fraud. 
PNC appears to be disinterested in protecting its account holders from merchants of fraud and will not adequately resolve account holder 's complaints about fraudulent transctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It reporting on my credit profiles that i had a late payment in XX/XX/XXXX. I did not have any late payments past 30 days. this is negatively affecting my credit score. 
Account Type : Individual Auto Account Status : Current Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Scheduled Payment : {$820.00} Terms : XXXX Balance : {$33000.00} Last Payment : {$820.00} on XX/XX/XXXX High Balance : {$42000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent information from my credit report. This information is incorrect and therefore does not accurately represent me as a consumer per the law. Please see below for all inaccurate information and remove negative information as soon as possible. 

Collection- XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ TXXXX XXXX XXXX ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the XXXX XXXX  [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent. I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report. In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. Thank you for your attention to this matter. Look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reported on XX/XX/XXXX via TransUnion. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via XXXX. I was being told its bern removed, but its not. Ive sent out a letter to XXXX since XX/XX/XXXX, but nothing has changed ever since.
Product: Credit card

I have serious concerns that American Express ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process. 

The Company is also failing to acknowledge and directly reply to my inquiries and submissions in this matter. I have spent hours of phone and writing time, in an attempt to communicate the very straightforward facts of this case to the Companys representatives, but have received nothing that could be considered responsive to a dispute which has been pending for 5 months now. 

Very simply put, I have not received the merchandise that was ordered and billed to my account by the merchant. The merchant has provided documentation of some delivery, but not delivery to my address. In fact, the merchants own tracking indicates that someone by the name of XXXX received the package. In the Companys recent rejection letter, it wrote : Please understand that American Express is not in a position to determine if compensation is due If there were true, then what exactly is the purpose of a dispute process? This is a fairly absurd statement for the Companys dispute services team to write. The Company also asserts that there is proof of delivery. This is also not the case. A package allegedly received by someone I did not authorize, whom I have demonstrated is a resident in another unit in my building, is hardly proof of delivery.
Product: Credit reporting or other personal consumer reports

A collection account recently appeared on my credit report for a XXXX bill in the amount of {$1300.00}. This account keeps appearing on my credit report with a new collection company. This information should be immediately BLOCKED and the credit bureaus should not allow this erroneous account to continue appearing on my credit file.
Product: Student loan

I am currently going through economic hardship, I am struggling to repay my student loan. I have already reached out to my student loan lender ( XXXX XXXX XXXX ). Since XXXX 2017 they have been unable to cooperate with building a repayment plan with me. However recently after many months, I have finally come to an agreement with XXXX XXXX XXXX with am income-driven repayment plan. However, this does not include my negative effects on my credit score ( payment history ). This is negatively affecting my chances dramatically of acquiring a financially stable employment status which requires a credit check from all sectors within my XXXX XXXX XXXX. In other words, I cant successfully acquire a job with my degree because it requires a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. I am not a credit repair company, nor am I a mortgage company.
Product: Checking or savings account

On XX/XX/year> my Key Bank checking account was debited from '' XXXX XXXXXXXX XXXX XXXX  '' in the amount of approx. {$3200.00}. This amount overdrew my account and I was notified that items were bouncing and I was being charged {$40.00} per transaction. 
I contacted Key Bank to dispute the debit from the account, as I do NOT have a XXXX XXXX XXXX. I have a loan with XXXX XXXX, but the {$3200.00} was not applied to that balance, as I only owe approx {$2000.00}. I contacted XXXX XXXX to confirm this payment taken from my Key Bank was not applied to my account. They confirmed that they did not take the money. 
Key Bank told me it would be approx. 10 days to dispute the charge and they would get back to me. XXXX weeks later, I still did not hear from them. I called the XXXX number and spoke with the dispute center, they told me the dispute was closed and valid. I questioned why I had not been contacted and I wanted to know the account number that XXXX XXXX was claiming was valid. I was told i could not get that information. I asked to speak to a supervisor, she told me that the case was still open, but I couldn 't get information, as that was in their " back office '' for disputes. She told me to go to my branch, which had closed 2 years ago, so she sent me to a brance and hour away from me.

I went to the branch, the manager told me that my account was still open, they would re-open the dispute and get back to me asap. Well over XXXX weeks later, I still heard nothing. I contacted the manager again, she asked that I provide information from XXXX XXXX stating that they did not take the funds out of my account. I sent screenshots and account statements that show my payments made, but none of them for the {$3200.00}. 
Mean while, I had to deposit {$4000.00} to cover the withdrawal of the {$3200.00}, plus the bank fees and a little extra in case other items came through on the account. It has been over a month since contacting the manager at the branch, I have emailed and asked for account information and not one person has contacted me. I logged onto my account to find that the account is now closed, noone informed me! On XXXX XXXX the account had a XXXX balance. I received a check in the mail for the balance that was in the account of {$2300.00}, but not until XXXX XXXX. 
I am furious that someone is allowed to debit my account and not have to provide account information to me, the owner of the account. I am currently out the {$3200.00} and noone at Key Bank seems to give a care! How do I get the information regarding XXXX XXXX, one would think they would have to provide information to Key Bank to validate the withdrawal! I need help!
Product: Credit card or prepaid card

Since XX/XX/XXXX I have been trying to activate my EPPICard, however I have not been successful. There is a typographical error with my social security number that is preventing me from activating my card. I have made several calls and have submitted documentation to verify my correct social security number to no avail. On XX/XX/XXXX, I was told that I needed to contact the Social Security Administration and have them to call Conduent and verify my social security number. Of course, that is not a function of the Social Security Administration, my verification is my social security card. I have been asking to have this issue escalated for days and I have not been provided with a contact person to resolve this matter. On XX/XX/XXXX, I spoke with a supervisor who had me to email my documents again while she was on the phone and she manually verified my identity. This was great, however, she only lifted the fraud alert on my account but never updated my social security number. I still do not have access to my child support funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions had caused significant inconvenience and financial loss b and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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

I have attached an FTC report with an account and inquiries I did not authorize, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request that you immediately cease and desist all contact with me about account ending in XXXX. I want to make it clear that I do not owe any debt to Resurgent Capital Services, nor have I ever engaged in any business or contractual agreement with your company. 

As per the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, I have not supplied any proof of the alleged debt, and I have reason to believe that no such proof or debt exists. 

Please be advised that any further attempts to contact me regarding this matter will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve the right to take appropriate legal action if necessary. 

This letter serves as an official notice of my request for you to cease all communication with me immediately. Please acknowledge receipt of this letter and confirm in writing that you will comply with my request. 

Thank you for your prompt attention to this matter. 

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

The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}
Product: Money transfer, virtual currency, or money service

I have attepted to gain access to my Venmo account owned by PayPal for over a month. Each inquiry to Venmo via an app or email to cusotmer service asks for me to submit a picture of my ID and after doing that about 12 times via email I am told by Venmo, via email, that they canot accept the picture. Ive explained it is MY Oregon DL and Ive emailed it to no avail.