23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have talked to the company about my debt. I explained that I had a major car accident with an enormous amount of medical bills. I was not able to work so I don't have an income. Also, at the moment I am not working neither is my husband 's company is open. 
I asked for a deferment or payment deduction and they did not want to hear it. So, in turn now they are calling my parents and husband, etc. 

The company is PayPal and Synchrony bank The phone that calls is unlisted : XXXX
Product: Debt collection

Midland Funding LLC keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed a week and a half ago by both XXXX XXXX and XXXX XXXX that there was a new hard inquiry on my credit report by XXXX. As I looked into it, the inquiry was from an unknown bank that I have never had any business with. Reverse searching the address and phone number on the inquiry led me to Genesis FS Card Services. 

I emailed the two emails I could find on their website informing them that I have never and will never have any accounts with them and they did not have my authorization to run a credit inquiry. They provide three types of Mastercard credit cards, which I have none. 

After my original email, I had to email twice more because they had a purposeful typo on their website with their email link that made it undeliverable. I had to fix the mistake and resend it to two different addresses. Their customer service is non existent. 

I have already filed a XXXX complaint over this issue and now I am filing a complaint with the CFPB. 

I have NEVER done business with this institution. I have NO accounts with them. I am seeking NO new accounts with them. My most recent financial account is 2 years old and with my own credit union, so there was absolutely no reason for them to run a credit inquiry. They refused to response to multiple emails.
Product: Checking or savings account

I went to HSBC and because Im glad she judged me and refused to give me my funds.Im XXXX XXXX. Basically I go to HSBC Monday the XX/XX/XXXX About XXXX XXXX. I fill out my direct deposit slip to make a withdrawal for XXXX dollars. The teller looked at me and asked. Do you have a atm card. I politely told her. I lost my ATM card and the new hasnt arrived yet. She replied so you dont have a ATM card. Which I just told her no. So she told me to let her get the manager. The assistant Manager looked at me looked at my account and questioned me about the funds in my account. I applied for a business loan from sba due to the Covid.She basically said sorry I cant let you withdraw any funds I need more documentation? So I emailed them my documents on from SBA and the still want give me my funds.I called several of times and they still havent released my funds that are available to me.
Product: Credit card or prepaid card

I needed to purchase a {$6000.00} camera for work. Amazon advertised 0 % apr financing with their Amazon store card for 12 months upon approval. So instead of paying XXXX up front I would make 12 monthly payments of {$500.00}. This happened today XX/XX/23. I applied for the Amazon store card, was approved, and then I proceeded to purchase the camera by clicking the 12 equal monthly payment financing option. The order went through and I got confirmation. 
I called Amazon to find out when I needed to make my first monthly payment. They told me the order had been cancelled because the purchase was too large. This didnt make any sense because the only reason I signed up for the card in the first place is because THEY OFFERED ME FINANCING ON THE ITEM I NEEDED! 
So now my credit score has taken a hit, I have a card coming that I dont need, and they SCAMMED ME WITH A FAKE PROMOTIONAL OFFER! 
If I wasnt allowed to make that large of a purchase on the Amazon card then they shouldnt have been allowed to advertise that financing promotion on that specific item. Its false advertising and they escalated my complaint but told me not to get my hopes up. It isnt likely that the decision to cancel my order will be reversed.
Product: Credit card or prepaid card

I opened a discover card in XX/XX/2021. I have made multiple payments on the account. My account was closed due to unable to verify personal information last week. They have not given any additional information but instructed me to write to the po box
Product: Checking or savings account

On XX/XX/XXXX Bank of America officially closed my checking account ending in XXXX. {$13000.00} in funds were placed on hold. 
The stated reason for these actions was third party transfers into the account. I rent a property to a tenant. Over the course of a year the tenant paid their rent using transfers from his Bank of America issued EDD debit card. Although these transfers are prohibited by the Bank of America debit card rules Bank of America still allowed the transfers to go through. 
Bank of America has declined to release the funds to me, or to send the funds back to the tenant. I have called the Fraud Department, Risk Closure Department, and General Customer Services Department numerous times over the past 14 months with no positive results and no viable suggested course of action.

At Bank of Americas request, in XXXX of XXXX the tenant attempted to recover the funds through EDD. EDD replied that too much time had elapsed, and they are not able to retrieve the money. 
In XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency, case number XXXX. On XX/XX/XXXX, Bank of America responded with a letter explaining their rationale for closing the account and stating the funds will be held until their investigation is completed. I had been informed previously over the phone that Bank of Americas fraud investigation finished in XXXX of XXXX, over a year ago. 
Bank of Americas response letter to the OCC case includes the phone number ( XXXX extension XXXX ) of the Regulatory Complaints Senior Resolution Specialist, XXXX XXXX. Over the past two weeks, all my phone calls have gone to voice mail, none of my calls have been returned. 
The funds should be released to me to fulfill the tenants original purpose which is paying their rent.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I tried getting my money back from a scam and the company was unwilling to help.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.
Product: Debt collection

I called for an experienced report and they sent me and I noticed a number of things that wasnt correct on my report so I called the number that was provided to me on the letter when I called they had no information about me for example the account number thats provided on the top of the letter the representative wasnt able to find that when they searched it up. Also they told me my address wasnt on file which was weird because they just sent me my credit report. Then I was asked multiple questions that I had no clue about and when I didnt answer the questions to THEIR ability I was told they couldnt answer my questions because they were unable to verify my identity which was very frustrating for someone whos just trying to improve their credit and fix whats wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about the date of my first delinquency, and they took over 6 weeks to look into it and came back saying the last activity date was correct. They didn't even look at the delinquency date. The CFPB does nothing too. All of these companies are corrupt and do not care about anyone. 6 weeks to not even look at the one thing I inquired about. Unbelievable. They can report misinformation on your credit report for years and get away with it.
Product: Checking or savings account

I have my health savings account with Optum. I've had this account for years. 
After XXXX  XXXX, today, XX/XX/2024, I submitted my card for payment and was told that it turned up " insufficient funds ''.. I currently have $ XXXX in my account. The XXXX bill was for {$410.00}. 
I called the bank and they said that I needed a new card, it would take 7 - 10 business days and I had no other option to access my funds. 
The bank had no alternative for me to access my own money. 

This is a HSA. Seven to 10 business days would be a life or death in many situations. I find this protocol insufficient for any kind of " health care ''. 

Optum never set any expectation of having to wait 7-10 business days in order to access ones own money.
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 procer 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 seek appropriate redress for these violations.
Product: Student loan

XXXX XXXX has called me approximately 17 times in the last 30 minutes after telling them not to call. 

I find this to be harassment. 

Please advise me.
Product: Money transfer, virtual currency, or money service

On Thursday, XXXX XX/XX/year> I received an email that Venmo suspended my account and I am no longer able to access the funds stored on my account. I submitted the documentation requested ( proof of ID ) and afterward they kept requesting more and more documents, including my bank statement. 
They refuse to lift the account suspension and allow me to access my funds, instead stating no one has the ability to reinstate the account other than the security specialist but then they claim there is no way to contact the security specialist and we just have to wait for them to come across the case.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, nor do I recognize their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are supporting documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete its almost 7 yrs old!!
Product: Credit reporting or other personal consumer reports

Im writing to address a serious issue with my credit report. Ive noticed that certain information reported on my file does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines and is not accurate to the fullest extent. This incorrect information is negatively impacting my credit, and it needs to be removed immediately.
Product: Checking or savings account

On XX/XX/year> I put in a claim for an unauthorized charge in the amount of XXXX from a company called XXXX XXXX XXXX XXXX. I did not rent a car and I did not sign any contract with this company that Im aware of. Wells Fargo collected a receipt from the merchant that have an electronic signature on it and deemed it as authorized. This is the same company that allowed someone to open a fraudulent account in my name using a past address and an old email address online. Once they made a decision that the charge was authorize I can no longer dispute the charge and Im left with a XXXX overdraft. After the money was taken from my account I had to reopen a new account. I would like to dispute this matter and have someone thoroughly investigate it. I went to the police department and because my purse was not stolen or I had not been robbed they would not provide a police report.
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. This is a complaint regarding their investigation process. 

I received feedback from a complaint I filed on XX/XX/2024. I specified what the lease agreement stated that I owed and the company did not address this at all. They stated what they continually claim I owe, but this is not true according to the agreement I signed. They say I owe the difference of the unpaid balance with fees and the sale proceeds, which is about {$15000.00}. 

The lease agreement very clearly states I owe the disposition fee, previous back payments, taxes, fees, and the termination fee ( the difference between the adjusted lease balance and the wholesale Fair market value ), which is about {$3000.00}.

If anybody took a moment to read the contract, that they even attached to their response, they would see what I owe, so it's obvious that no investigation was done. What is their investigation process and where is their proof that I owe {$15000.00} besides them just saying that I do? They have a history of taking advantage of their clients. They should have to prove their findings of the investigation. 

I deserve a fair, unbiased investigation and for my credit report to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

Upon reviewing my recent consumer report, I discovered unauthorized bankruptcy entries that directly violate my privacy rights under 15 U.S. Code 1681 a ( 4 ). As a victim of identity theft, the unauthorized disclosure of my personal information and the inclusion of these inaccurate bankruptcies represents a serious breach of consumer protection laws. This violation has exposed me to significant harm and demonstrates a concerning disregard for established privacy regulations.
Product: Credit card or prepaid card

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX XXXX and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting me.
Product: Credit reporting or other personal consumer reports

I have tried for years to dispute inaccurate information from my credit report and none of my disputes ever had been taken seriously and had remained on my report hindering my score to increase. This has caused me to miss housing opportunities as well as being able to properly start my business. I have inaccurate inquiries on my report from whome I have no recognition of and I have tried to dispute several occasions and ask nothing. Experian refuses to fix or delete them off my report. It is ridiculously sad. I have a debt XXXX harass me about things I have no recognition of and have been told the credit companies are responsible for selling my information to them. I have gone through distress and would like justice.
Product: Credit reporting or other personal consumer reports

I have applied multiple times for credit through apple for the XXXX XXXX and I have been declined for various reasons which are untrue. My credit score is definitely way above the needed to get the card but my trans union report is telling XXXX and XXXX XXXX that my monthly debt is too high given my income. I have ZERO loans in my name. It is also saying that my payment history is too low and Ive had a credit card for over a year. It states also that I do not have enough supplemental third party data on inquiries. Lastly it now says it can not verify my information. I need my credit report and info to be displayed correctly to lenders and I have had no problems getting the XXXX XXXX XXXX through XXXX. Please help.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

Subject : Urgent Matter : Fraudulent Transaction and Lack of Resolution Dear Sir or Madam, I am writing to bring to your attention a serious issue that I recently encountered with Cash App, the digital payment service. I believe their handling of this matter directly contravenes federal laws concerning fraudulent transactions. 

On XXXX of 2023, I discovered that an unauthorized individual had transferred {$500.00} into my Cash App account. This person then proceeded to send these funds to another account under the name XXXX XXXX, all without my knowledge or consent. I had never granted this individual access to my account, and this incident has put my financial security at considerable risk. 

Immediately upon noticing the incident, I reported the fraudulent transaction to my bank, XXXX XXXX, who began a dispute process. Simultaneously, I contacted Cash App requesting them to reverse the funds to prevent my account from going into a negative balance. Despite my prompt communication, I received no assistance from Cash App. 

Today, my Cash App account is in the negative, and Cash App 's customer service has declined to investigate or provide any form of remedy. This disregard for my legitimate concern is not only extremely disappointing but also, as I understand it, a direct violation of federal regulations. 

As per Federal Trade Commission regulations ( FTC ), consumers are not held liable for unauthorized transactions that occur due to the loss or theft of their access devices, provided these are reported promptly ( Regulation E, Electronic Fund Transfer Act ). I promptly reported the unauthorized activity to both my bank and Cash App, fulfilling my obligations under the law. 

Cash App 's failure to assist me or investigate my claim effectively denies me the protection provided under federal law. It is important that their non-compliant behavior is addressed promptly to ensure that other consumers do not experience similar problems in the future. 

I request your immediate assistance in this matter, and I would greatly appreciate any help or guidance you could provide in getting Cash App to comply with their legal obligations and resolve this troubling situation. 

Thank you for your time and consideration. 

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

sent police report id theft victim
also id theft gov 
ftc 
inaccurate information