23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CERTIFIED RECOVERY REPORTED A COLLECTION THAT WAS WITH ANOTHER AGENCY AND TAKEN OFF MY CREDT. I NEVER RECEIVED A NOTICE FROM CERTIFIED RECOVERY OR ANYTHING. THEY JUST PUT THIS ON MY CREDIT. I SENT FOR VALIDATION OF THIS DEBT AND THEY JUST IGNORED ME. IT HAS BEEN 97 DAYS SINCE MY FIRST REQUEST FROM THIS AGENCY
Product: Checking or savings account

First it started with the bank not alerting me properly, then notifications were not done accordingly or precisely on the transaction, then they would tamper with my funds, pending transactions were never done accurately only on dates posted, then they would message me daily at XXXX XXXX, then they would not alert me in the app. I also requested a credit card they gathered my information and then never send me a letter for the denial, then they were, being very disrespectful towards me, sending me misleading letters that were not even understanding and contradicting recently in XXXX, the bank was not appropriate with the transactions. Or services very bad business practices as well in a email they send me a message with an incorrect name I had to tell them to please fix
Product: Credit card

On XXXX XXXX, 2016, I noticed a fraudulent charge on my credit card. 
I called Wells Fargo to notify them of this issue, and the agents I spoke with refused to assist me. I had recently been through more than 100 phone calls in an effort to resolve fraud shutdown issues with my card, and was met with a lot of resistance. 
Moving forward, there have been numerous more fraudulent charges to my account. I 've made more than a dozen phone calls, and sent several messages, in an effort to resolve these fraud issues. 
In lieu of resolving the fraud issues, Wells Fargo closed my accounts. I am unable to receive any assistance from them anymore. 
On XX/XX/2016, I met with XXXX in the XXXX branch, and she confiscated my cards while I was there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is stating that I had an account with them and has placed a collection in my name. I have never had any account with XXXX XXXX XXXX. Experian has dropped my credit score tremendously because of this, and did so without verification.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I tried to use my BofA credit card on some purchases at the end of XXXX, but the charges were declined. Got in touch with the credit card customer service department and they informed me that my credit cards were closed. I went online trying to redeem the cash rewards that I accumulated, but the system won't allow, prompting me to call the phone number.

I called, and the customer service person can not help me with the redeem either. She said it might be due to the credit card closure, all rewards will be forfeited. I told her that I wasn't the person who closed the cards. BofA was the party decided to close them. If that was the case, they should honor and redeem all cash rewards that I earned. If they don't redeem me for the pending cash rewards because I haven't paid the credit card balance, I understood. But all cash rewards that I earned, I should be able to redeem them. The total cash rewards that I wasn't able to redeem is {$740.00}. Lots of monies in this kind of economy where everything is so expensive.

My advise to credit card consumers out there, redeem all your cash reward as soon as it is available. Do not accumulate and let them sit there. If the bank decides to close your accounts, you will lose all rewards you earned.
Product: Credit reporting or other personal consumer reports

all of my information was involved in several data breeches one being through XXXX XXXX XXXX XXXX XXXX all of my personal sensitive information was leaked from address to dob to ss number there were over XXXX people info involved in the last breach
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Account XXXX XXXX American Express Account Number XXXX XXXX Date Opened : XX/XX/year> Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau XXXX I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX XXXX. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder.

Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given. 
XXXX. Misuse of Payment Information False Liability Assignment American Express falsely claims that a payment from my business checking account proves ownership of this credit card. 
This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt. 
This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt. 
XXXX. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name. 
Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account. 
Documentation proving I authorized this account to be reported under my credit. 
Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.
Product: Credit reporting or other personal consumer reports

I have sent debt verification letters to all 3 credit bureau as well as company XXXX XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX  days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to XXXX that in all 3 months I was XXXX days past due how is that even possible, to equifax it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX
Product: Debt collection

On XX/XX/XXXX I submitted a complaint ID XXXX that LVNV Funding LLC violated my consumer rights by reporting an alleged debt without giving proper notification of this alleged debt for me to dispute before reporting to the CRA 's XXXX LVNV Funding LLC was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date XX/XX/XXXX and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date, but this does not show proof of receipt or delivery on your behave before initial reporting. LVNV Funding LLC you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV Funding LLC you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) LVNV Funding LLC, you are violating my consumer rights by attempting to collect on an unsubstantiated debt. Upon receipt of this complaint, upload a copy of the Certified Mail Receipt verifying you followed all the federal laws in accordance with the FDCPA by providing notice of this alleged debt before you reported it. Also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.
Product: Credit reporting

I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX Bank in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I started a XXXX XXXX. For my first event on XX/XX/XXXX I used the brand new square card reader to accept payments at a fall festival that I was XXXX XXXX  at. The machine worked fine and I had around {$200.00} worth of sales on the machine. A few days later on XX/XX/XXXX I tried using the machine to accept payment at another event I was booked for. The machine would not work and when I looked into the app it just kept telling me to register the machine. So I initially thought it was a hardware issue. On XX/XX/XXXX I called square customer support for the first time to try and resolve the problem. This is when I found out the account was deactivated by square due to alleged possible fraud transactions and I went against their terms and conditions. I asked which terms and conditions and was told they dont have any other info. On XX/XX/XXXX I received an email forwarded to me by one of the customer service reps. It stated that my funds were on hold and would be released no later than 2 business day after XX/XX/XXXX. That day came and the funds were not released. I contacted square again on XX/XX/XXXX this time I was told that the account was now back under review by the high risk team and that they could only be contacted via email. The customer reps on the could not provide any other information. I emailed the review team and was sent an email stating the following ; Please note that your referenced account is currently under review by our Account Services Team for high risk activity. Until your account has been cleared, funds will be held. Unfortunately, we do not have a specific release date that we can provided at this time.

After that I never heard back from square. I called back again sometime around XXXX or XXXX of XXXX and got the same story. I just called and emailed again on today XX/XX/XXXX and again no explanation on why the funds are not being released and I cant contact a human who can help me.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from American Express and was denied for all 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX, Account Number:XXXX have 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 4 hard inquiries made according to my TransUnion report. I have not applied for any credit that would result in inquiries being made. The institutions are listed below : XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXX Finance/Personal XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX  Inquiry on XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX. XXXX XXXX Inquiry on XXXX XXXX, XXXXXXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.
Product: Checking or savings account

On XX/XX/XXXX I asked about my debit and credit card expiration date then I was told that two cards were sent in XXXX. I responded that I had visited my mailbox but an employee had given me my alleged mail outside the business as an alleged favor because I am XXXX with a XXXX. 

I informed the credit union that I had not changed my mailing or physical address in almost three years since I moved here in XXXX so my address is the same. 

I have repeatedly asked them to resend my new cards after I asked to speak to a supervisor or manager. An alleged supervisor responded without a name indicating for my address and I gave it to them, my mailing address. 

Today on XX/XX/XXXX I asked them again about my debit and credit card to be sent and they advised me that they canceled both cards so we are back to almost a week ago telling me that I needed to check my mailbox. I told them to cancel my two cards and send two new cards to my mailing address as there have been no change in my mailbox address. 

They asked me to call a number if my address has changed, but it has not and I told them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two credit checks on my report to chase bank that I did not request. 
XX/XX/2017 XX/XX/2017 I dont know what other info you need to research, but chase just brushed me off. I just want them off my report. 

Please help. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  mn XXXX {$590.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX JXXXX 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

I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, The inaccuracies should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. I want you to correct this misinformation on my file 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 card or prepaid card

In XX/XX/2019 Comenity Bank indicated that it would start charging interest on one of two NO INTEREST accounts for XXXX   services. 
These were two XXXX  charges which Comenity combined into one for its convenience. 
I have made more than minimum payment during the life of both accounts. 
Comenity did not distinguish between the minimum payment between the accounts. 
I had no control over which account my payments would pay. 
I believe that if Comenity had applied more of my payments to the account with the nearer deadline, it would not have charged me interest staring in XXXX. 
Further, as Comenity applied payments according to what it says are in its agreement with me ( which I doubt that I acknowledged ), it did not let me now until AFTER it applied the payments what it had done. 
Further still, the alleged " minimum payment '' is apparently NOT the minimum payment to avoid interest. That is misleading or worse. 
I doubt that Comenity would apply any future payments to the account that I will indicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XX/XX/XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX  XXXX- XXXXUNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Product: Mortgage

Per Chase 's request I sent them a comparison loan estimate that I received from another lender on XX/XX/XXXX to their lender XXXX XXXX XXXX via email to see if he can match it. He also mentioned that Chase offers a grant based on our new home address that would allow them to give us an additional {$2500.00}. I informed him that the other lenders I spoke with mentioned I wouldn't be qualified for those grants due to my income, but XXXX reassured me that I would. XXXX then emailed me saying he received approval on XX/XX/XXXX from his director for the rate match. He then called us on a recorded line on XX/XX/XXXX informing us and confirming that the rate match of a 6.375 % rate with ZERO points was approved ( same exact offer we received from the other lender. I then asked about the {$2500.00} grant he mentioned we would receive from chase as that was not on the loan estimate. He then emailed on XX/XX/XXXX stating : " I just got the ADDITIONAL {$2500.00} credit applied and have generated a new loan estimate. '' My wife XXXX XXXX replied after via email and said " Thanks XXXX but the new estimate still does not show the additional credit ''. After that point we were communicating with XXXX on a recorded line where my wife repeatedly shared her concerns on the loan estimate not being accurate. XXXX replied that it is just an estimate and will change so do not be worried. It should be noted that the chase portal is also faulty as it automatically makes you sign documents which is not ok. 

One day before closing on XX/XX/XXXX we received our final disclosure despite asking for them to get things done in advance and being timely. The final disclosure was XXXX more than the disclosure we received two days prior and it was listed that we had to pay for points, which was not what we were informed of ( again we were promised a price match ). The other lender we sent for a price match did not charge anything for points and their fees were actually CHEAPER than Chases. We would have went with them and saved money if we were not deceived by Chase. Chase is incredibly sneaky and has poor business practices meant to deceive customers. They should be held accountable for this.
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 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. ( 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. ( 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. ( 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.