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

I am filing a complaint against cashApp ( block , inc ) due to inadequate customer service and unfair practices. Which violate the CFPA, Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ), and regulation E. These actions have caused significant in convenience and financial loss.
Product: Checking or savings account

This is a case of detrimental reliance. 
US Bank took my call XXXX XX/XX/2021 to execute a close out of an IRA Money Market Account with a check mailed to me as that is US Banks ONLY method of processing. It was verified by a subsequent call to US Bank ( today, XXXX XX/XX/2021 XXXX I was informed on XXXX XX/XX/2021, that it would take 5 to 7 business days to complete the transaction as I called US Bank to inquire as to why the check had not been received. I was informed the transaction had not even been processed as of XXXX XXXX today, XXXX XXXX, XXXX. US Bank REFUSED to consider expediting the transaction, refused to consider using long established XXXX and even REFUSED to consider overnight mail of said check at MY expense per my request. US Bank is intentionally manipulating and withholding depositor 's funds.
Product: Debt collection

I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which 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.

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Product: Checking or savings account

on XX/XX/XXXX, Bank of America placed a hold on my account for the amount of my total available balance at the time, {$2000.00}, putting my account to {$0.00} balance. 

I've called several times to the bank and I've been tranferred to several different departments, and nobody in the bank seems to be able to tell me why did I get this debit on my account. They said that it shows on the system as a scam hold, however, nobody can tell me which incoming transfer into my account has originated this claim/debit. 

It is incomprehensible how my bank just debits my account without informing about anything or asking me about the transaction that is causing the problem. 

It means that you can receive a payment today and some weeks or months later the money can just be debited from your account without any explanation nor investigation? 
It means that today I pay you for a service that you deliver and in X weeks I call my bank and ask to reverse the transaction, and you will just get debited from your account .... just like that? 

Banks are making it too easy for scammers and fraudsters.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains.
Product: Debt collection

Hi, I am filing a complaint against XXXX XXXX. This debt collection company was hired by Universal Technical Institute to claim a debt that was owed as a result of a private loan to attend school. I have communicated with UTI you told me this would happen and in an attempt to negotiate and inform them that I was not financially able to pay at that time, they decided to choose the debt collection route. This company, XXXX XXXX, reached out in XXXX of 2019 and began calling requesting that I start paying what was due. In XXXX of 2019, they threatened to withhold wages because I was not making payments. It was then that I began to inquiry more about this company. I asked in XXXX what the name of the company was, what debt I owed, what my minimum payment was, and if documentation could be mailed to me to verify the debt was legitimate. The person on the phone agreed so I made a payment to ensure that my minimum would stay low in price. The month of XXXX ends and no paperwork had been sent and no one had called so I began to call to see what had happened. Every time I called I could not reach anyone. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. At this time I am calling weekly. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back. By this time I am calling 2 times a week and still not receiving a call back. In XX/XX/2019, {$100.00} was pulled from my account to pay the minimum and yet I still had not received documentation or a call back in regards to my debt. I am still calling 2 -3 times a week. At this point 5 months have gone by with no documentation verifying my debt or tracking the reduction of my debt. On XX/XX/2019, I called and spoke to someone about mailing documentation and the person I spoke to said they would call me back. Today is XX/XX/2019 and I have not got a call and my XXXX payment is approaching. I am giving them to Friday to reach out before I inform my bank to not allow the money to be transferred. I believe that I have been scammed for 5 months and now I am filing a complaint with this company. 

This is the website of XXXX XXXX and the number they provided. 
XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. i have disputed these accounts from self lender and XXXX as fraudelent last month and its still on my credit report, you guys removed the other fraudlent items but seem to have forgot these.
Product: Debt collection

Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One intentionally destroyed my credit. Capital One had incorrect information on me and did not notify they were about to report derogatory information on my CBR. I was finally notified by a representative 5 days ago and contacted daily sometimes twice when I became 34 days past due. The representative appeared to be unconcerned about my issues concerning the derogatory reporting. This was simply an oversight because I thought my spouse mailed payment as he mentioned he would. I have multiple accounts with Capital One and have never been a collection issue. Most creditors notify you prior 30 days past due to avoid derog reporting, so apparently Capital One had incorrect information.
Product: Money transfer, virtual currency, or money service

I was promised an investment of $ XXXX for my start up. The scammers, located in XXXX, made me send money to XXXX with the excuse that I had to pay fees to transfer that big amount into my US account. I never received the $ XXXX and the scammers always had a new reason to ask me for more money. After my account with moneygram got blocked due to many transfers in a short period of time, a representative told me I could delete my account and create a new one with the same email address and phone number. I did as suggested and kept sending money until one day I stopped. The transactions were the following : date of trans : XX/XX/23 amount : {$960.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1300.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1100.00} transaction # XXXX date of trans : XX/XX/23 amount : {$1200.00} transaction # :
Product: Checking or savings account

We sold our house and received a closing check from the buyer with my husband 's and my name on it, the amount of {$480000.00}. I deposited the check to my Chase bank checking account on XX/XX/XXXX after my husband and I both signed the back of the check. Fund was cashed out of the buyer account as of XX/XX/XXXX but there was a 10-day holding from Chase bank because it was a large check. On XX/XX/XXXX, Chase bank closed my checking and saving account without any notification. When I called the bank, they said that they could not verify my husband 's name on the check and they could not release the money until they were able to verify him and they were closing my account with no reasons. The only way they could verify is that they are using their own internal phone number verification system and the phone number I gave to them is not registered under his name or does not match with their internal system. My husband 's phone number has been his since XXXX through XXXX who confirmed that the phone number is indeed under his name. When I called the buyer 's agent to ask whether they could void the check and reissue it, they told me that fund has been out of their account and there is nothing they can do about it from their end. I don't know how to get my money back from the bank.
Product: Credit card or prepaid card

This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.
Product: Credit card or prepaid card

my case is with edd and bank of america. 
Since XX/XX/2020 purchases have been charged to my account that I did not authorize. They were in different states in a single day and together they totaled XXXX dlls. Since that day I noticed it in my account and quickly I spoke to BofA to report the fraud ... from then and after calls, long waiting times, different people, different responses. Report to the police, documentation that supports my claim ... The last call I was answered was on XX/XX/2020 and the answer was, your case closed your account canceled and we no longer have to speak with you, I asked to speak to a supervisor and he told me that edd had my account closed due to fraudulent activity to fix me with them. talk to a rep XXXX he said no way, they can't and don't do that. that BofA was in charge of the money and that they have to answer. now I am the same as at the beginning. Without money, the account closed, the case closed and that I no longer speak to them. they blame each other.
Product: Mortgage

Hello, I 'm writing a second letter regarding the unfair and poor business practices of Nationstar Mortgage. I sent my 1st complaint on XXXX/XXXX/15, and Nationstar responded with a XXXX page letter stating that everything I said was incorrect. I disputed their letter with more documents and called the XXXX phone # s they listed in the letter. XXXX were customer service lines, but in the letter it stated that " If you have any questions regarding this correspondence, please contact me directly. '' I called this person 's direct line and the customer service representative who answered did n't know who that person was, and could not find his extension. I emailed this Customer Relations Specialist on XXXX/XXXX/15 and XXXX/XXXX/15, but no response. I then emailed the gentleman listed in the letter as my " Dedicated Loan Specialist '', because his " Direct Number '' went to customer service line also. Within a few minutes I received an automated email response that said to call the same customer service # listed on the previous response letter. I replied 10 minutes later with my direct phone # and hours available to reach me. I said I expected his call today, because the letter stated that he was my " single point of contact ''. 
This is a ridiculous game that Nationstar plays with their borrowers, and is the lowest level of service. Borrowers expect and deserve to speak and email with real people from their lender, not just to call in to a call center with people only trained to take notes and put in the electronic file, and when the next level of " service providers '' open the file and send out a form letter by snail mail, which will arrive in 10 days or so. The letter will politely say " At Nationstar, customer concerns are important to us. " I just received the form letter dated XXXX/XXXX/15 on XXXX/XXXX/15, stating that they were reviewing my complaint from the XXXX/XXXX/15 letter. 3 Weeks to send me that letter when they emailed their response through CFPB on XXXX/XXXX/15, and I have emailed 3 reply letters since that time, with only an automated email response to call the toll-free # of customer service. 
I would like the CFPB to intercede and require Nationstar Mortgage to communicate with a reliable contact phone #, and one person assigned to service my account.
Product: Debt collection

I am the original author of this complaint. I have been dealing with the frustrations of these unlawful and inaccurate reportings to my credit report. The following XXXX XXXX XXXX has been consistently reporting erroneous information which has been a hinderance for me. I do not owe any apartments! They won't even validate themselves as required by 15 US Code 1692g! This property manager has reimbursed me with a check for the balance that they are claiming that I owe, yet they are still reporting the balance as a debt onto my credit report.
Product: Debt collection

XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX. 

I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report. 

Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here. 

Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company. 

Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have fraud on the council on my report. Please remove these accounts from my report they have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This account has been fraudulently added on my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated everythin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account : Achieve Personal Loans Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This ( Hyundai Finance co. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from HYUNDAI and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by HYUNDAI finance co. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.