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

Cash app usually lets users at paper money. They used to on my account. I discovered I no longer had the feature and I asked why. They told me they disabled it and wouldn't enable it and refused to give any information as to why. I asked to be transferred to someone who can answer and they said no, there is no information and I could never ask why and " thank you for my patience ''. I do not understand why I am not allowed access to my own financial information. I believe they are hiding something.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX  XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of  XXXX  Bankruptcy ( below ) on my  XXXX ,   XXXX   and Experian credit repo rt ( s )  due to Civil Case No.  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , v.   XXXX    XXXX   XXXX   XXXX   XXXX ,  I  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptcy Ref. #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX Bank XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Debt collection

Fox collection. 
Original creditor ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They were supposed to send original contract. Never sent and was supposed to investigate it and never called back
Product: Debt collection

I had no knowledge of this account. I have talked to the original bank, several times. Filed a dispute several times. To be told it was finally resolved. Kept checking and then was told it was not. I cant send them any information, because I have no knowledge of what it is!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Experian data breach. I want these items deleted from my credit reports please, effective immediately. I have attached proof that Experian has admitted that I was in fact a victim of this data breach they have done nothing. Please delete the illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXXXXXX  Balance {$1500.00} Status Account charged off. {$2600.00} written off. {$1500.00} past due as of XX/XX/XXXX. 


XXXXXXXX XXXX  POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1400.00} written off. {$1000.00} past due as of XX/XX/XXXXXXXX XXXX
Product: Bank account or service

I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Inquiries : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Credit card

I am writing to file a complaint against Capital One regarding the closure of my credit account under misleading circumstances. I had missed XXXX payments on my account, but I recently made a payment that brought my balance to {$0.00}. When I spoke to Capital One on that day, they assured me that since my account balance was now {$0.00}, I should not worry, and my account would be active again within XXXX days. 

However, when I accessed my account today, I found it had been closed. This practice seems highly unethical, as it appears I was misled into making a payment under false pretenses. When I contacted them again, they stated that they did not lie but simply did not provide the full update, and that a decision had been made to close my account. 

I am extremely upset with how this situation was handled. I was recovering from a serious injury and was unable to work for a period, which contributed to my missed payments. Despite this, I made efforts to rectify the situation, only to have my account closed without proper notification. This misleading behavior, where they knew they would close the account but still prompted me to bring my balance to {$0.00}, is unacceptable. 

I believe I have been treated unfairly and request that your agency investigate this matter. Capital Ones actions have caused me significant distress and inconvenience, and I seek a resolution that acknowledges their misleading practices. 

Thank you for your attention to this matter.
Product: Debt collection

Debt collector sends me a letter asking for a debt that I do not owe and is not mine. Gives me 30 days to respond. I sent a letter telling debt collector that I do not owe but do not understand why collector keep badgering me and I feel harassed. Collectors have even called my wife! I ever owned a XXXX XXXX. I have gotten calls for years about this type of amount. I do not know why the collector or XXXX think I owe them money. I wonder how many other people are being badgered? Some action needs to be taken to stop this bad behavior. 

I did work for a company that had COMPANY credit cards and was an accountant who processed transactions FOR THE COMPANY. When I was an accountant, there were no past due amounts for any credit cards.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$44000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 -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 15 U.S.C 1681 section 602A states I have a right to privacy. 

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

i need the account updated to paid as agreed and all negative payment history removed. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!
Product: Debt collection

This account has been paid by our title company in our home sale. This is not owed by me.
Product: Debt collection

This is affecting my score showing negative items. This account has been taken off other creditors but this creditor is still sending negative reports to my credit report XXXX  when this has been resolved under identity theft. The number to contact this company is not applicable.Please take this off my report.
Product: Debt collection

Collectors from Comenity Bank in Denver and in Ohio have repeatedly called looking for somebody with the same last name. They have been told this is a wrong number, nobody by that name lives here and been asked not to call anymore. 
The calls persist, even on weekends.
Product: Credit card or prepaid card

My mother was added to my account without my explicit verbal or written permission. When asked how I can remove my mother from the account, I was told I need to pay the balance in full before that can happen. They did not offer any other recourse or explanation as to how she was added to the account.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX - My whole purse was stolen from my car in front of my daughters XXXX  parking lot. XXXX started calling all my cards to stop fraudulent transactions from processing. 

XX/XX/XXXX, XXXX - Spoke with Money Network ( Economic Impact Payment ) to report card was stolen thru an automated system. 

XX/XX/XXXX, XXXX Cops were called to the scene and they have criminals on cameras from the school and ID on police report. 

XXXX Money Network sent me a replacement card but when they sent the card we realized the card had been used during the time of when my car was broken into for a total amount of {$2400.00}. At the time Money Network said they would send me a dispute form to fill out and send over with my supporting documents. Never received the form. Just the letter notifying us we were denied because we did not respond in a timely manner. 

XX/XX/XXXX - Received letter from Money Network saying we were denied due to the timing and card-present indicators of other recent transactions. 

Please keep in mind we have not used this card since we had received the money in XX/XX/XXXX till XX/XX/XXXX for a one time purchase. 

XX/XX/XXXX - called Money Network to find out what to do because we never received their form. So, they sent us the dispute form to fill out but to place APPEAL next to the date. 

XX/XX/XXXX - Received the Dispute form and sent in all supporting documents attached via email, us postal mail and by fax. They never received the emails neither the mail and only the fax which was now XX/XX/XXXX. 

Since I wasn't getting any sort of response from the appeal process I was told I should open a new case which was done XX/XX/XXXX - Disputed fraudulent charges that were not charged by myself or my wife. 

XX/XX/XXXX - Money Network has not contacted me in any manner to notify me if the appeal has been processed or investigating or denied. Or what the status is of the new case. I had to battle for XXXX hours to get someone on the phone to tell me my dispute was once again denied. 

Can someone please help me???? Help me in getting some answers I have all my supporting documentation so these criminals don't get away with my hard earned American money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Names
Product: Debt collection

I contacted this company to pay the debt I owed. We agreed to settle as long as the debt was removed from negatively affecting my report. And it never was. Debt was paid as of XX/XX/2020.
Product: Vehicle loan or lease

Due to covid I was unable to work so I couldn't make my payment. One day I went out side and my car is gone so I figured they came and repossed it. On my credit report it shows that it is closed but they are telling me that the car hasn't been repossed and I still owe XXXX dollars.b
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer services 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 see appropriate redress for these violations and my losses.