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

Starting on XX/XX/XXXX, I received several small debits from ( XXXX XXXX ) and ( XXXX ). I do not have an XXXX Account. A phone number was listed next to the transaction : ( XXXX ) XXXX When you call that number, you can not speak to anyone and it directs you to the real XXXX billing. 
After doing a web search of this number, I saw that many others were scammed by this scheme going back to XXXX. 
Conclusion : Someone created a " Phony '' XXXX company and has somehow been able to find people 's debit cards. 
I use Citizens Bank. 
This is my 3rd debit card scam this year. I have other scams from fake XXXX account charges and XXXX XXXX. My banks have reimbursed me for these scams. We need a pro-active investigation into these scams. I had notified the XXXX XXXX fraud team.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc . ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address any fraudulent activity on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error requirements under the Electronic fund Transfer Act ( ETFA ) and regulation E. These actions have caused significant inconvenience and financial loss which also have caused some headaches, and I seek appropriate redress and accommodation for theses violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called XXXX, XXXX and Experian for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/2024 from XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am have had my American Express since XXXX never missed a payment and also paid in full then Im XX/XX/XXXX. I attempted to make a payment via online American Express website. The program state they were no payment due at this time. I called customer service and they confirm that was no payment due at this time.. The cards was then closed along with my two separate American Express other cards without any notices. I filed an complaint and I was told I will be not charged any interest and late fee while the matter is being investigated. They concluded the investigation in 25 days and confirmed that I there was an error on their part but they will not be able to reopen my card and I would have to pay the late fees and interest on the card and closed account. Second, Amerixan Express refused you refund my annual fees or reopen cards. They have cost my thousands and I this is gross abuse of power. I have been a great customer. And my card was closed through no fault of my own
Product: Debt collection

A random company sent me a letter on attorney letter head in an attempt to collect a debt that i do not owe this is identity theft.
Product: Checking or savings account

I am XXXX  and live on Social Security. FOR SIX DAYS Venmo has denied my access to my funds even though i gave them 10 pieces of personal information to identify myself. 

This seems XXXX  and vindictive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion Dispute Department [ XXXX Address ] Re : Identity Theft Dispute for Account # XXXX Dear transunion Dispute Department, I am writing to follow up on my previous correspondence regarding the fraudulent account listed under the name XXXX XXXX  with account number XXXX. As I have previously indicated, I am a victim of identity theft and did not authorize the opening of this account. I provided the following documents as required under the Fair Credit Reporting Act ( FCRA ) : 1. Proof of my identity. 2. A copy of an identity theft report. 3. Identification of the fraudulent information. 4. A statement asserting that the account does not pertain to any transaction I have made. Despite submitting these documents, the account has not been removed from my credit report. According to the FCRA, a consumer reporting agency is required to block the reporting of information that resulted from identity theft within four business days of receiving such documentation. I request that transunion immediately remove the fraudulent account from my credit report and provide a written explanation of the determination process if the account is not removed. Please note that I am prepared to escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general if necessary. XXXX also needs to provide the reasonable determination account was not removed or blocked Because I sent all information correctly Transunion also needs to provide reasonable determination with 4 days of identity theft block Or if no reasonable set block accounts as no electronic signature or signature of the original contract was ever provided If transunion does not block accounts on credit report Then they will be considered a accessory to identity theft and I will report the credit bureau I assert I am XXXX XXXX and have my license to provide I am I need no other documentation to show proof of who I am I want accounts removed They are identity theft There is also another XXXX XXXX  account from XXXX  XXXX that transunion is reporting I want blocked
Product: Debt collection

This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of XXXX, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California at the time the charges were made and subsequently a current resident of California for the purposes of the statute. The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account. 
The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$75000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ). 

The company has continued to flagrantly violate the law, most recently filing a fraudulent law suit through their attorney XXXX and XXXX, who are known for their deceptive practice and attempts to obtain default judgments through frivolous lawsuits. 

Commenity is currently being sued in Federal Court in California for these very same deceptive and fraudulent practices. See Gonzales v Commenity attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or Equifax. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Product: Student loan

As a XXXX, to went to XXXX school back in XXXX and finally finished in XXXX as I worked to support my family and take care of a elderly and sick parent. During that time, we took out loans for XXXX University. We needed to student loans so I could keep going to school while raising a family, trying to pay a mortgage, and caring for my dad. During those years, my ex-wife was in charge of the finances and she made payments. In XXXX, she began a divorce process which ended in XXXX. During that time, I took over the finances and looked at the loan balances an discovered we had hardly paid down anything. I asked for the payment history from the loan server and XXXX ( agency that I think issued the loans ) and my ex-wife had been making payment. When I looked at old bills and inquired with the bank, they said that only minimal payments were being made. However, when you looked at the bills the minimum payment was in larger print. It appeared to be the payment that was required to pay down the loan. Almost 24 years later, I am still paying down this loan which is at 8 % and have barely made a dent in it. Meanwhile, I have increased the payments but I can only increase them so much as a teacher, single parent, who is also helping his adult children get through college. I feel like i will be paying this loan forever. When I was in the middle of the divorce in XXXX and the housing market collapsed I had to file for bankruptcy. I asked for some forgiveness of the loan but was denied. Meanwhile, I had to borrow money from friends to survive and interest kept accumulating on these loans. I think this is all very unfair. I will be XXXX by the time this loan is finally paid off, assuming my health stays in tact and I can keep working full time as a teacher. Meanwhile, my hands are tied in trying to help me kids and they are also getting mired in student loans. Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase from XXXX XXXX from my cash app debit card. The transaction was cancelled and XXXX refunded the money back to my debit card. They provided me proof of the transaction. As of today, XX/XX/XXXX Cash App.has not returned my money. They first told me I had to wait 10 days. I called back in 10 days and they told me I had to wait 14 days. At 14 days they said I had to open a case. I did that. On XX/XX/XXXX they told me I had to wait 45 days. They owe me a total if {$350.00}. XXXX provided transaction info. I am getting the run around from Cash App and nothing is happening. If I email back in Case no one responds. If I call, they say I have to talk to people handling case. They will have them call. This never happens. Contacting you is my last resort before I file suit on Cash App. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

So Im  submitting it again hopefully for the last time. XXXX and TransUnion been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.
Product: Debt collection

First of all, I NEVER SAID FOR THE PROCESS SERVER TO LEAVE THE SUMMONS. I told him that if he didn't get off of my property because I don't have outstanding business that I saw them as a threat and if he didn't leave I was going to get my XXXX. People can say anything they want and I don't know this person. 

Secondly, the process server just left a summons without confirming any information. I never said to leave it. In the process, the process server broke my video doorbell. 

The process server and Johnson Mark violated XXXX and are just trying to get out of any accountability. 

I never said to leave the summons but, now I'm going to show up to the courthouse and tell them how you violated XXXX and then sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion 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 my file at TransUnion is 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Debt collection

This company repeatedly calls asking for information not relating to me or my wife ON OTHERS. We have told them they are in violation FDCRA in that they have no authorization to contact anyone but the debtor. They need to cease immediately. XXXX XXXX XXXX comes up on internet Spam high risk... please report FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get my three credit reports from annualcreditreport.com but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - Experian mailed a credit report print out - XXXX mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Debt collection

Repeated calls at XXXX or XXXX XXXX at night. Said that I have an arrest warrant for me that if i paid the debt they would cancel the warrant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. XXXX XXXX XXXX put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on XXXX XXXX XXXX account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXXXXXX. XXXX XXXX XXXX is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the XXXX XXXX XXXX account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and Equifax. The credit bureaus responded that XXXX states they are reporting accurately and therefore my credit report status for XXXX XXXX loan remains the same.
Product: Credit card

I recently sent an online secure message to Capital One asking if they can lower the interest rate on a XXXX because they approved another XXXX with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new XXXX with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I have the legal right to insist all communications with banks and credit card companies be in writing via online secure messaging. So then, I went online to activate the new XXXX card, and they 've blocked it, as I 've received an account restricted message. I 've already warned them that I would file a CFPB complaint if they continue to fail to respond in writing, but now that they 've restricted my new XXXX account, I 'm filing this complaint, as clearly, that is an act of retaliation. If CFPB fails to appropriately address this matter, and instead, simply sends me Capital One 's response, then considers the matter closed, I will report this to my Congressman, as well as post it on the Internet, as clearly, that indicates CFPB is just a " dummy '' agency created for the sole purpose of keeping the OCC from having to handle consumer complaints.