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

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practicesm which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to orevent 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.
Product: Checking or savings account

While I was in XXXX XXXX in Virginia from ( XX/XX/XXXX XXXX XXXX 2019 ) for the Florida XXXX XXXX . Some unknown company deposited a check for XXXX dollars into my account some unknown person then withdrew XXXX from my account. I got a call from USAA that my account was under review and i did not know why. I called them back to get more information on the matter and that's when I found out the above information. Apparently the XXXX fraudulent checked bounced leaving me out XXXX dollar plus bounced check chargers. I told USAA this was not my debt or no one I knew was involved in this transaction. This is fraud and theft of my account. On XX/XX/2019 USAA is trying to collect XXXX from me they told me i had 60 - 75 days to pay the debt, then on XXXX XXXX they kept calling me to pay the debt immediately. THIS NOT MY DEBT. THIS IS THEFT/ FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXX Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a promotional email from Chase on Monday, XX/XX/XXXX. I decided to open a checking account with them to avail the bonus. Everything went well and I even got to open up a savings account. There and then, I transferred my savings from my XXXX account to Chase via XXXX and register the checking account to direct deposit. On Wednesday morning, I received an email that I can not use my account and that they will close it soon. I called the customer service immediately and I was informed that I needed to verify my account information by going to the branch and submitting a copy of two valid IDs. Since I am foreign resident who just arrived in the US last XXXX, the only IDs that I have are my SSN card and passport which I provided to the banker on that same day. The banker advised me to call back the customer service the next day to inform them that they have already uploaded the documents. However, it wasn't until Friday when the documents were reflected on their portal. When I talked to the customer service, they told me that they can not unrestrict my account anymore and that I needed to go to the branch and reopen an account and have my funds transferred to that account. I went to the branch on Friday but they told me that they can not do so as the back office wants to verify my address information. I provided them a copy of my lease agreement last Friday, XX/XX/XXXX, and again, it only showed on their portal today, XX/XX/XXXX. The customer service told me that they can not accept the lease agreement as it is only up until XX/XX/XXXX to which I informed them that as of the day I submitted the documents, it is still in effect and that I am willing to provide a copy of the renewed lease. They said they can not accept documents via email or any other means so they advised me again to visit a branch and do the same process all over again. I've been waiting for 7 days to have access to my money. Both my savings and payroll are deposited there, my rent is due today.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX
Product: Bank account or service

My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit card

I was charged XXXX by a fraudulent company for pirated software and services that were licensed to another citizen in XXXX. I submitted a dispute with USAA my Visa card issuer. I was given a temporary credit. The dispute investigation is still on going. I changed my credit card and now have a new number. I have not had any contact with the fraudulent company. I did report them to XXXX XXXX as a company that miss represents XXXX and has the ability to resell sold software licenses and on line software. On XXXX XXXX I was charged by this company yet again. USAA Visa claims this is a new charge. I have not authorized nor have had any contact with the company creating the charge. I have been told this is a reoccurring charge and that it did not matter that I changed my card number ; they can charge me against the old number and obtain the new card data through XXXX. I tried to report and claim this fraudulent new charge and was told to make a dispute. The dispute department asked for documentation which I do not have since I did not coordinate for nor authorize the XXXX XXXX charge ; I have submitted documentation for the XXXX dispute. The USAA on line system will not let me file a dispute for this charge ... .all other charges I could, but the on line option is not available for the XXXX XXXX charge. The USAA dispute representative could not manipulate their system to enter a dispute for the XXXX XXXX charge either. So ... in effect I have to try to get a temporary credit every time these Pirates charge my card in order to have my balance not be affected. I have been assured that I am not responsible for the interest these fraudulent charges create or the balance. However, If I were to have an emergency expense I would need to call USAA Visa to get help and might not be able to use all of the authorized credit they have agreed to give me ... .a broken contract in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, Transunion, XXXX, and related companies XXXX XXXX XXXX XXXX to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX XXXX XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Product: Credit reporting or other personal consumer reports

reported that there is a limitation on the residents of SC of 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to do a temporary freeze lift in order to change phone companies, which will save me more than {$300.00} per month. Both XXXX and XXXX made this available. Experian made it absolutely impossible to talk to a live agent and required a LETTER mailed to them with the request for a freeze pin included in the letter needed to be a copy of my drivers license and a utility bill. I mailed them the letter with all the information and copies included. It is now 3 weeks and I have still not heard anything back form them. I am now in danger of losing the better phone deal which will cost me more than {$3000.00} annually!!!
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Product: Credit reporting or other personal consumer reports

I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am old and cant do anything more
Product: Credit card or prepaid card

I've been a Capital One, credit card holder since XXXX. I've never had a missed payment and they increased my credit limit from $ XXXX to $ XXXX without my asking. On the XXXX of XXXX, XXXX I requested a credit limit increase, however, unfortunately I was denied. I then applied for a new credit card with Capital One, and my application was accepted with a credit limit of $ XXXX, twice my established credit with Capital One of $ XXXX. 

To my shock and dismay on Saturday XXXX, I discovered that both of my Capital One credit cards were blocked! I immediately called in and waited over an hour for a customer representative to become available. I was told that there was a question about my income, which I listed as $ XXXX in XXXX when I opened the Capital One credit card and on my latest credit card application with them as well. In fact $ XXXX is listed as my annual income on my Capital One credit card online profile as well. The customer service representative informed me the person over my case attempted to call me, however, my phone listed that number as a SPAM call, therefore I didn't answer. I was also informed that Capital One would send me a XXXX, authorizing them to view my IRS XXXX XXXX return for XXXX. 

This is absolutely unacceptable and in my opinion discriminatory. I have a XXXX XXXX  on all three of the major credit bureaus. As a small business owner the only time I've ever given any entity access to my tax returns is during this Pandemic, when I gave the SBA a Form 4506-T, authorizing the IRS to confirm my XXXX Business Tax Return whereby the SBA could continue the process of my EIDL corporate funding. I would never, under any circumstance grant any financial entity access to my personal tax returns for a paltry $ XXXX credit card! That Capital One, has blocked my long established credit card and new one which they initially granted with no issue is a violation of customer dignity.

I would never apply for any credit card which required my tax return as part of the application. For personal loan or business loan, perhaps, contingent upon the terms of the loan. However, never for a small $ XXXX credit card from a lender with whom I already have a nearly two year business relationship with. This insult is ludicrous. 

Furthermore, even if I were of such low self-esteem as to agree to the asinine demand of Capital One, I could not comply as I was unable to submit a XXXX Personal Tax Return, due to identity theft. I've attached documentation attesting to this fact!
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account # : 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 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: Consumer Loan

On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and one unauthorized inquiry being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX  XXXX ] Inquiry : [ XXXX XXXX  XX/XX/year> ] An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiry to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Product: Mortgage

I applied for refinance for {$150000.00} on my Current Home " XXXX XXXX XXXX XXXX FL XXXX ''. With cash out I want to buy another home with down Payment of 50 %. Down payment I have in my account amounting about {$150000.00}. With the consent of Loan officer I asked for refinance, though refinance is not allowed to buy another property. Due to one or the other reason underwriting came to know that I am buying another property. They asked me to submit the purchase agreement for new property which I signed on that day and submitted. I submitted all my XXXX statements showing that funds came from XXXX " sale proceeds of XXXX property " proceeds were in form of XXXX /XXXX deposits because under exchange control regulation you can not remit beyond a certain limit. I submitted all wires. I received Close out date, hud, and al that is needed under the law. I signed all documents. Then they started to ask me source of deposits. I did not go to XXXX myself for close out. I send a power of attorney ( submitted to bank ) to my brother who was a buyer. Two days ago I received declined with reason " we can not verify the Residence '' I do not agree with it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at Target. I was notified via email and immediately called Target and submitted a dispute on XXXX. Target saw no account opened, but assured me that they would send communication to XXXX, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with XXXX.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00} CAPITAL ONE BANK USA NA XXXX Opened XXXX XXXX, XXXX Balance {$3000.00} CAPITAL ONE ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00}
Product: Debt collection

Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.