23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XXXX XXXX XXXX XXXX XXXX XXXX I did not have any late payments.
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 proce 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 35 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Bank of America closed my debit card in XX/XX/XXXX due to inactivity Without my knowledge or consent. They did not provide me any kind of notification that they are taking such a drastic step and failed to see that it could have severe consequences to a consumer on how he/she can access funds. My debit card expired in XX/XX/XXXX and Bank of America failed to send me a replacement card. XXXX XXXX XXXX XXXX XXXX branch manager, XXXX XXXX, there are no records that new card is being issued or mailed to me. Being unaware about my debit card status, I tried to access my funds on XX/XX/XXXX at XXXX XXXX through Bank of America ATM machine outside one of the branches. I was asked ( by ATM machine ) to call customer service. Upon calling customer service, I was told that my debit card is discontinued and I CAN NOT withdraw funds at this time, I will have to wait for a next business day to go to banking center or wait until new debit card arrives. The agent on the phone did notify me that, debit card was closed due to inactivity but, failed to provide a specific reason as to why my debit card was discontinued WITHOUT my knowledge or consent, why I was not notified about it, why new debit card was not issued when the current card expired in XX/XX/XXXX. The Supervisor on the phone also tried to put blame on me stating, " I might have thrown away the new debit card as it arrives in a plain envelope without Bank of America marking or logo '' Though BOFA agents can check if new debit card is Mailed or not, she either failed to verify this information or deliberately tried to put blame on me. When I visited financial center next day, branch manager, XXXX XXXX confirmed that, new debit card was never mailed out. 

This is not an isolated incident. Both of my parents and my wife have Bank of America account, their debit cards are expired as well and they are experiencing similar problem as myself. There is a deliberate attempt from Bank of America to prevent customers from accessing their own funds on the name of security, failed to notify them or obtain their consent before discontinuing their debit card and failed to send a new debit card when current one is expired. 

I am asking to take strict steps against Bank of America for deliberate attempts from preventing customers accessing their own funds, failed on multiple occasions to act in consumer 's favor and conspiring against consumer to who put their trust in Bank of America. My time is much more valuable and I don't have to go through all the trouble to access my money, it is my right and Bank of America violated my rights by creating deliberate roadblocks to prevent me from withdrawing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been more than seven years since my negative accounts reported on EXPERIAN were last active. 

By law these accounts should be removed from my credit report. These accounts were sold to sleazy third parties that FALSELY made an account entry to create a false last active date.

Last XXXX I disputed these accounts and the only thing Experian did was to check with the sleazy third parties to see if their false entries were valid ; of course they said, Yes. Today I tried to dispute these accounts again and I was informed that by law I can not dispute an account that has already been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called Experian, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Product: Debt collection

This debt collector is not authorized to collect debt in my state. Additionally they have not provided me with proper debt validation for this allege debt and instead are making allegations. This is a violation of the FDCPA. They are disregarding the law and committing violations by doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute to Equifax about two medical collection accounts : 1-XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX I informed Equifax that this collection agency was in violation of the HIPPA Law by reporting medical information on my credit report. 

I sent the same information to the two other credit reporting agencies : XXXX  and XXXX and they replied that they had deleted those medical accounts form my credit report. 

Equifax, does not even bother to respond. It has been more than 45 days and uo to this day, they have not replied to my dispute
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you are required to reevaluate these items with the respective creditor responsible for their inclusion. Please eliminate any information that the creditor can not verify. I am aware that 15 U.S.C. Sec. 1681i ( a ) stipulates that this reinvestigation must be completed within 4 days from the receipt of this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of the necessary corrections. 
Thank you for your attention and assistance regarding this matter. Yours sincerely,
Product: Credit card or prepaid card

Hello, on XX/XX/2020 I placed an order with my Apple Card on XXXX XXXX. The tracking showed it was delivered. I waited a few days, checked my whole building, spoke to my security before contacting the merchant, I waited a few days, received no response. Thats when I decided to dispute the charge with Apple. They keep putting the charge back on my account because theyre saying the merchant provided evidence that it was delivered. However I did not receive my item. How can I show proof that I never got my stuff? Apple said they cant help me until I submit a complaint with you guys. Please help me, I am not willing to pay that money for an item I have not received in almost 3 months.
Product: Debt collection

never received any letter in regardint debt before it went to collection now i have company calling me multiple time a day and my credit report show them now saying that i owe them {$1800.00} and anothe one for {$73.00}
Product: Credit reporting or other personal consumer reports

In according whit the fair credit reporting act.

XXXX XXXX XXXX XXXX XXXX  Has violated my right 

15 U.S.C. 1681 SECTION 602 A. State have the Right to
privacy..

15 U.S.C 1681 SECTION 604 A SECTION 2 IT also States a
c
Consumer Reporting  Agency cannot funish a account
without my writing instructions.
Product: Debt collection

Dear Sir or Madam : My former employer, XXXX XXXX XXXX XXXX, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from XXXX XXXX  and dont intent to. 

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left XXXX XXXX  before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between XXXX XXXX XXXX XXXX and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.
Product: Student loan

Attempted to speak with a representative over the past XXXX weeks with no success and wait times for hours with no answer
Product: Money transfer, virtual currency, or money service

I was called from what I thought was my tax preparer stating my  refund is pending and they were waiting on a payment and to sent it through cash app. XX/XX/XXXX When I sent the {$850.00} to the recipient.i called my tax preparer to see if she received my payment and my tax preparer stating she never received the funds. Tried to refund the money by cash app from the person who received it and they wont return my funds, they have declined my request and I contacted my XXXX XXXX and they have declined my request on XX/XX/XXXX. Cash app stated they would retrieve my funds but I can not contact a live person to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 AND XX/XX/2020 I wrote to all EXPERIAN in the hope to get items off of my credit report that does not belong to as they are causing harm to my credit profile
Product: Debt collection

I have been receiving harassing and threatening telephone calls and numerous death threats from Enhanced Recovery Company representatives for a debt that do n't belong to me, I do n't owe and is the result from identity theft. The debt is from XXXX for {$530.00}. The debt is fraudulent. I am a victim of identity theft.
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

on XX/XX/2018 I purchased a kitchen at the Home Depot in XXXX XXXX, Puerto Rico. They told me that in 60 days the kitchen will be ready to be mounted in my home. Is XX/XX/XXXX and I don't have anything. I went in XX/XX/XXXX and XX/XX/XXXX asking for the kitchen and they said : " it's on his way ''. In the begining of XX/XX/XXXX I went to ask again and they said that some cabinets were broken and were on the way to the store. At the end of XX/XX/XXXX I went and the cabinets weren't at the store.When I requested a refund for the kitchen they ask me for an opportunity to fix the problem. I requested that they have until the end of XX/XX/XXXX and they agreed and gave me a {$660.00} credit. 30 days later the cabinets were broken again and they don't want to refund me the money that I paid with the Home Depot Credit Card. I requested the refund because it's been 7 months and I don't have anything.
Product: Debt collection

I have reported navy federal credit union multiple times to the cfpb and XXXX and they have not responded to my requests. I recently called for them to help me settle my accounts with them for the loans and credit card. they approved me for debt management assistance, only to reverse the decision the next day. on top of that, they said my payments were reversed, all three, for the two loans and the credit card but that is impossible because the money never returned to my external checking or savings accounts. this company is very deceptive. I would like my money back from them and they are refusing to do so. I called my local congressmen today to discuss matters further.
Product: Debt collection

I noticed a collections account on my XXXX credit report on XX/XX/XXXX from The debt collector CREDENCE RESOURCE MANAGEMENT, according to them they're collecting the debt on behalf of XXXX XXXX XXXX for the amount of {$1800.00}. 

I called XXXX XXXX XXXX on XX/XX/XXXX to find out what this was about and they informed me they did not have my name under any accounts past or present, however they have my old address I used to live in back in XX/XX/XXXX. 

After getting off the phone with XXXX, I contacted CREDENCE RESOURCE MANAGEMENT, and spoke with " XXXX XXXX '' about this matter. He informed me That, the XXXX XXXX XXXX purchase was a XXXX that was bought using my name, social security, and former address. XXXX had me verify my address and when I did, he did not have my current address on file ( Again, I would like to re-iterate I have not lived in my old address since XXXX of XXXX, I say this because XXXX only had my old address on file ), the only issue with my former address which the debt collector had on file was the fact that it was an apartment building, and he did not have the apartment number on file. You are unable to get your mail delivered, if there is no apartment number attached to your mail. Before the call was over, I informed XXXX that this is a case of fraud/identity theft. XXXX inquired for my email address to send me a fraud packet to fill out, it had been over 24 hours and I have yet to received anything such thing. 

This has previously occurred back in XXXX, same amount, same calling of collecting the debt on behalf of XXXX, only difference is, it's under a different collections company because I suppose it was bought by this new company. Back in XXXX I contacted all 3 credit bureaus and filed a dispute about this, and was successfully able to get it removed from my credit report. Today XX/XX/XXXX I have called a 3-bureaus to file a dispute again about this same issue.
Product: Debt collection

A person by the name XXXX XXXX ( XXXX ) called my place of work multiple times asking for me by name. When I looked up the phone number it states its a debt collector. I am not aware of any debts and it is illegal for a debt collector to call your place of work. Since it was multiple times I found it as harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under my personal credit card account. This account have resulted in an fraudulent hard inquiries appearing on my consumer credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This hard inquiries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the XXXX Federal Trade Commission the hard inquiries which is the result of identity theft and fraud.
Product: Debt collection

In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} XXXX explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.