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

Cashapp closed my account and banned my social security number from using their services but would not provide me with any information and was intentionally vague and confusing in their statements to me in an attempt to evade my questions. See the screenshots of conversation and you will understand. 
I joined a class action lawsuit just days prior to this happening and I dont think its a coincidence either. I had been using CashApp for many years prior to this. Their customer service seems like it is mostly AI driven and their computer driven algorithms have too wide of a net without any human to oversee it.
Product: Credit card

On XX/XX/XXXX I have made a charge for a luggage at the XXXX counter in XXXX for my domestic leg XXXX XXXX ) flight. According to the Barclays XXXX XXXX XXXXredit card the first luggage on the domestic flight portion is free. At the XXXX desk I was told that the discount will come as credit from the Barclays Card directly. Unfortunately it didn't. 
On XX/XX/XXXX I called their XXXX based customer service and the agent was extremely rude and unprofessional. She not only would talk over me but attempted to reroute the call to the XXXX instead of disputing the transaction. She also indicated that the dispute term is only one billing cycle making me ineligible to dispute the purchase when it fact the federal law mandates at least 90 period for dispute resolution. Subsequently I requested to speak with the supervisor in the US however after a long hold I was told that nobody is available to speak to me. 

It is very disturbing that Barclays ' Card prevents its members from disputing the purchase and instead it wants them to deal with merchants directly. This is not what the federal legislation protecting customers dictates and it shows a very bad faith play by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance Department, I am writing to bring to your attention a significant error on my credit report that has had a detrimental impact on my credit score. The incorrect information has been placed on my credit report by XXXX XXXX at XXXX XXXX, and I am seeking your assistance in rectifying this matter promptly. 

To provide some context, I resided in an apartment at XXXX XXXX  until my lease agreement expired. Prior to leaving the premises, I returned the keys to the management and ensured that all outstanding bills were paid in full. I fulfilled all my obligations as a responsible tenant, leaving the apartment in good condition. 

However, subsequent to my departure, the property was sold to a new owner who seemingly failed to review my lease agreement accurately. Despite my adherence to the lease agreement and fulfilling all financial obligations, the new owner claims that I owe them money. This erroneous claim has led to the inclusion of a debt on my credit report, which has significantly impacted my credit score. 

I possess concrete evidence to support my claim of returning the keys and providing timely notice of my lease agreement 's expiration. I kindly request that you review this evidence and investigate the matter thoroughly. It is of utmost importance to me as I am currently in the process of purchasing a home, and this unjustly negative credit report is hindering my progress. 

I kindly urge you to take immediate action to rectify this situation. Please remove the inaccurate debt from my credit report and update my credit score accordingly. I am confident that with your expertise and intervention, this matter can be resolved swiftly and satisfactorily. 

Thank you for your attention to this urgent matter. I am eagerly anticipating a prompt response and resolution to this credit report discrepancy. Should you require any further documentation or information, please do not hesitate to contact me. 

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

XXXX XXXX account # XXXX has been paid-in-full. XXXX XXXX was contacted on three ( 3 ) separate occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct information being reported, namely that the account was a " charge-off '' and in a " payment plan ''. XXXX XXXX has been very helpful in correcting the mistakes. Unfortunately, Experian CRA has continued to report incorrect information on my credit report such as " open '', " charge-off '', and " payment plan ''. I have contacted Experian CRA to correct the mistakes but they continue listing the false information.
Product: Debt collection

A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXX  XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for me.
Product: Debt collection

I keep receiving calls stating that I have a case filed against me by a company that says they are arbitrators and are a nutral party. They called and provided the last four of social. They provided a fictious case number XXXX stating that I need to be present at an old address between XXXX and XXXX XXXX  every day to be servied papers. This was settled in bankruptsy approximately 9 years ago. I am advised to call XXXX and advised to give personal information which I will not do. They keep saying that I have a claim filed against me. Which I know I do not. Case number have letters or the county in them as to where the court case is being handled. These indentifying numbers are never provided in their fake case number.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!
Product: Checking or savings account

On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! 
As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all 3 bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Product: Money transfer, virtual currency, or money service

Paypal case ID : XXXX Paypal close my dispute case with reason that item delivered when the tracking shows its returned to the shipper. 
The tracking number is the same tracking number paypal provided. 
I made a complain to PayPal but instead of being responsible and admit their mistake and refund me. 
Paypal block my account and i cant use it anymore. 
This is clearly unethical and its a fraud attempt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/22 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Formal Request for Debt Validation and Assignment Contract To Whom It May Concern, This letter is a formal dispute of the debt you have claimed against me and a request for validation under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g**. I do not acknowledge ownership of this alleged debt, and I am exercising my right to request proper validation, including proof of assignment and legal authority to collect.

Request for Documentation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1692e ( 8 ), I request the following documents to verify the validity of this debt : 1. Assignment Contract & Proof of Ownership : - A copy of the original assignment contract or purchase agreement transferring the debt from the original creditor to your agency.

- A full chain of title if the debt has been sold multiple times.

2. Proof of Authority to Collect : - Documentation proving your agencys authority to collect on behalf of the current creditor.

3. Original Agreement - A copy of the original signed contract or agreement establishing the debt.

- Any agreement with my signature establishing this debt 4. Date of Last Activity & Statute of Limitations Compliance : - A record of the date of last payment or account activity to determine whether the statute of limitations has expired, in accordance with **15 U.S.C. 1692f ( 1 ).

5. Fair Credit Reporting Compliance : - If this debt is being reported to credit bureaus, provide proof of compliance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2**, ensuring all reported information is accurate, complete, and verifiable.

6. IRS Form 1099-C Compliance : - If the debt has been charged off, confirm whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued pursuant to 26 U.S.C. 6050P If a 1099-C has been filed, explain why this debt is still being pursued for collection.

Cease Collection Activities Until Validation Under 15 U.S.C. 1692g ( b ), collection activity must cease until this debt is fully validated You are not permitted to report this debt to credit bureaus, pursue legal action, or contact me for collection purposes until you provide proper validation.

Failure to Comply If you fail to provide the requested documents within **30 days**, I will consider this debt unverified and demand its removal from all credit reports. Additionally, continued collection efforts without proper validation will constitute a violation of the **FDCPA** and **FCRA**, which may result in legal action and complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter serves as a formal notice that I am not admitting liability for this debt. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX and XX/XX/XXXX for multiple transactions that were made that I did not authorize. After waiting XXXX days, credit karma gave me a XXXX XXXX on XX/XX/XXXX. A customer representative told me over the phone that the final credit would be posted to my credit karma money spend account on XX/XX/XXXX. XXXX XX/XX/XXXX credit karma withdrew {$540.00}. They made my account $ XXXX. I contacted them and they said that the merchant coinbase sent them sufficient documents stating that I authorized all the transactions. So credit karma took back my final credit. Maybe if it was a provisional credit but this was a final credit they gave me. CK told me to contact merchant so I did and coinbase said they didn't deny my disputes they said they sent me an email on XX/XX/XXXX stating that the transactions were unauthorized. They also sent me another email stating the same. They told me to send those emails to CK so I could get my money back. When I told them that CK us denying the disputes because of the documents the merchant sent them. XXXX told me that that wasn't true because they don't send any documents to the bank they strictly work with the customers. So coinbase is denying those documents! The documents that CK sent to me are fake. So they keep denying my dispute over fraudulent documents. I have repeatedly appealed my disputes and CK keeps denying it. I want my money back. CK customer service is a joke they never have any answers they don't intend to help any of their customers and after all that they closed my account and now it's affecting my credit score. On XX/XX/XXXX I received an email from credit karma that a deposit of {$230.00} is available in my closed credit karma money spend account. So how did they expect me to withdraw those funds. They said they went ahead and made that deposit to take care of the negative on my account. I received another email saying my account is $ XXXX. So they expect me to make a deposit to my closed account!!!!!!!!!!!! 

My accounts negative because they withdrew the final credit I never received any notice About the withdrawing my funds
Product: Money transfer, virtual currency, or money service

I have {$.00} to my name. I need food for my kids and my tire has a slow leak and needs air. My cousin CashApp'ed me {$20.00} to get food, and air for my tire. CashApp would not release the funds nor was there anyone for me to communicate with about it. Subsequently, we did not get food and my tire went completely flat resulting in me needing to borrow more money for a XXXX tire and a tow.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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
Product: Checking or savings account

I ended employment with XXXX early XXXX. I keep contacting XXXX   XXXX to get my 401 transferred or cashed out. I keep getting the employer hasnt sent us information if its too long we will contact them. Why hasnt XXXX XXXXXXXX  called XXXX to verify my termination so I can access the funds which I put in!! Instead they rather sit on my funds and benefit from the interest it draws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Product: Credit reporting or other personal consumer reports

My identity was stolen, I have multiple credit inquiries on my credit profile that were not me. My credit has dropped and they have enrolled into XXXX in my name, getting loans from banks, XXXX XXXX XXXX even gave them a loan. It has been a mess. I want the unauthorized inquiries taken off of my report.