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

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate service and unfair practices, which violates 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 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: Credit card

I made a payment on my credit card, but I accidentally selected the wrong checking account and the payment NSF 'd. I immediately made the payment using the correct checking account and called AMEX to ask them to stop attempting to debt the incorrect payment information ; however they refuse to stop attempting. So far AMEX has attempted 4 times to collect a payment that I already satisfied and refuse to stop. Amex customer service said they can continue to attempt to collect the payment until it is received because I consented to such. Well that may be true but it is completely unfair. each time they attempt I incur a fee, but AMEX wants to inflect pain for my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called XXXX  they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. XXXX XXXX XXXX does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experian furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX  for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).
Product: Credit card or prepaid card

I opened a Citibank card in XXXX the beginning credit limit was XXXX. My balance was around XXXX and they decreased my credit limit, stating that there was an issue with my credit report. I have no derogatory credit. in fact, during this time, I paid off a XXXX balance on a Home Depot Card through Citibank. Today I get another notice of a decrease in my credit limit. My balance is now less than XXXX, and I haven't used the card, and all my payment are timely. I usually make a double payment. By Citibank just arbitrarily lowering my credit limit, they adversely affect my credit score and I think it's wrong to keep doing this to me. 
This is not how to treat people that do business in good faith. Ironically, I currently have a Home Depot card with a XXXX balance. Recently paid off. Citibank cares very little about their customers, by adversely affecting credit for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Auto has an account on my XXXX Account which states closed and written off {$820.00}. This is not TRUE. This was my account I had with someone else however this account was paid in full not written off, Was paid at the end of the loan in good standing. Wells Fargo Auto loan even sent me a check for {$820.00}. So the account was not written off. I received a check for {$820.00} from them.
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 XXXX XXXX # : XXXX Account : XXXX XXXX XXXXXXXX XXXX Acc # : XXXX Account : XXXX 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 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 state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 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

I had fraudulent charges on a credit card, while there was fraud including access to the online portal the re-occurring payment was changed without my knowledge. Thus a balance was created of late fees and charges. round {$10000.00} was accumulated during this time, {$5000.00} was reversed in fraud charges, but the interest and fees were not, an additional {$5000.00}. 

Prior to this incident I had a history of paying the balance of this card 100 % at the end of every month. Upon discovery of the charges Chase was notified Of the current balance {$5400.00} are exclusively fees and interest from fraud. 

I have over years communicated with Chase about this, including a woman named XXXX at Chase Corporate Office. Fraud and Collections representatives simply hang up on me without a call-back or transfer me back and forth reputedly. I have left my call-back number during these calls, but Chase refuses to call back. The advise I received from Chase Corporate is to keep calling the Fraud and Collections departments so that they can continue to hang up the phone on me.
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE THIS INQUIRY LISTED BELOW : XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I have been trying to work with Experian in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : XXXX XXXX Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}
Product: Credit card

After reporting financial hardship XX/XX/XXXX during the XXXX pandemic I received a notice in XX/XX/XXXX that the account was closed. No additional notices were received up until XX/XX/XXXX when Bank of America made a report on my record which caused my XXXX XXXX to immediately drop XXXX points
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to report a disturbing experience I had with a Capital One ATM located inside a Capital One branch. I attempted to deposit {$500.00} into my account at the ATM. Unfortunately, the machine malfunctioned and ate my money, leaving me with no record of the deposit or any refund. 
Here is what happened : I inserted my debit card into the ATM and selected the deposit option. I then entered the amount I wanted to deposit, which was {$500.00}, and confirmed the transaction. The machine appeared to complete the transaction normally, but instead of dispensing the cash, it simply displayed an error message and returned my debit card. 
When I checked my account balance online later that day, I discovered that the deposit had not been processed. I immediately contacted Capital One customer service and reported the issue. After speaking with multiple representatives, they were unable to locate the deposit or refund my money. 
I was shocked and frustrated by this experience. As a consumer, I expect that financial institutions will take reasonable measures to protect my funds and prevent losses due to technical errors. In this case, it appears that the ATM malfunctioned and swallowed my money without any warning or recourse. 
I am requesting that you investigate this incident and take appropriate action to ensure that Capital One takes steps to prevent similar incidents in the future. I would also appreciate any guidance or assistance you can provide in resolving this issue. 
Please let me know if you require any additional information or documentation from me. I have attached a copy of my receipt and a summary of my interactions with Capital One customer service. 
Thank you for your time and attention to this matter.
Product: Debt collection

For the months of XXXX, XXXX, XXXX and beginning of XX/XX/2018 I received repeated calls from Bridgecrest Acceptance Corp. The calls would be back to back and incessant ( I have my phone records ) .I received a call yesterday from " XXXX '' from the company indicating that they are only allowed to call 3 times per week and leave a message [ or something to that extent ] ). I explained to her that wasn't the case and to provide me with a call log ... the conversation ended there.
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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  XXXX XXXX # XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Secti
on 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: Checking or savings account

I signed up for a checking account with Citi promising {$400.00} bonus after keeping $ XXXX in there for 60 days. I was tedious in ensuring that I followed the correct link to ensure I was getting the offer. 

After the 60 days, I called multiple times to ensure that I had indeed fulfilled all the requirements and to inquire the timing of the bonus payout. Each time, the reps took time to review the details and assured me I had met all requirements. They told me that the payout would occur 90 days after the 60 day period ended. 

Finally after this extended wait time ends I call back again, only to be told that the promotion was never applied to my account opening, even though I was tedious to ensure it was and the reps assured me it was multiple times. 

They told me they'd apply a promotion code after the fact, only to then later say ( after filing a formal dispute ) that according to the code they applied, my account didn't meet some technicality.
Product: Credit reporting or other personal consumer reports

a description of the procedure used to determine the accuracy of the disputed info
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen in XXXX, and since then I have been through an uphill battle with getting these fraudulent accounts removed from my credit. I hired an attorney, I have notified the Pennsylvania XXXX police where incident occurred, and I had reported every incident to the Federal Trade Commission. Both XXXX and XXXX has been very supportive about this situation. However, Equifax had removed some of the newer accounts that posted, except one. That account is XXXX XXXX, below : XXXX XXXX, XXXX Account Number- XXXX Account Balance- {$2400.00} Date Opened- XX/XX/XXXX I disputed this account 3 times with them totaling 4 months, and they conclude their investigation stating that I own the account ( 3 times ). This is a fraudulent account, and they refuse to remove it which is a violation of section 607 ( b ) and 605 ( B ) of the Fair Credit Reporting Act. They did not provide any proof to me, and they do not have any claim or reason under 15 U.S.C. 1681c-2. I will soon be forced to bring my own civil action against this company if it can not be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 168
1b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

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

Due to being overseas the past three years on a XXXX I had several late payments reported to my credit. I reached out to the company recently due to finding out some military benifits while on XXXX  overseas. Realizing this while I was still overseas I contacted them. Asking them if I provide proof to please remove those late payments. However the company is very unwilling to work with deployments unless they are provided BEFORE any late marks accrue. However due to being overseas I was not in contact. This has created hardship on our family because we are now unable to get a house due to the remarks on my credit, with this card alone. I have requested multiple times to have them help me and every time they turn me away, the card is even paid off now. I finally got a more forward answer the first time complaining through this site, they told me to send orders, which we have. It has only been a couple days but we still havent heard anything if they will remove the late remarks on my credit. Its frustrating because this is a very hard time for our family and its time sensitive as we have no options for homes until this is taken care of. I have even requested a call to discuss with the XXXX or credit department but nobody will call me.
Product: Checking or savings account

In XXXX 2022, I rented two different AirBnBs. I tried to get my money back from both from AirBnB, I was denied. I filed two different chargebacks from my bank, Chime, and both chargebacks were denied. The paperwork Chime sent me claimed, " No error occured and the customer didn't follow the refund policy through AirBnB. '' However, I filed the claim through Chime on the grounds of " Bad experience. '' At one AirBnB, I got a bedbug infestation which was severe, and months later I'm still suffering. The host harrassed me and was very horrible. This was a bad experience and I got no compensation for my ruined clothes, or medication costs, or severe scarring on my arms and legs due to the bites. I submitted proof of the incredible horrible bites which also proved I was staying at that AirBnB, to Chime. I submitted plenty of evidence to Chime and still got denied with no chance to appeal. The second AirBnB, I was being screamed at by the male host ( I'm a single woman travelling alone ) and it was a serious safety issue which I have recorded on my phone. AirBnB made me stay another night there and refused to help me. I also requested my money back for this stay, as it was a bad experience. I submitted a separate email with the videos to Chime showing the harrassment of the man screaming and cursing at me, and Chime didn't even acknowledge them or me. They were planning to deny my claim the entire time. I want my full claim approved for both stays. I have been a good customer of Chime for many years now, depositing XXXX XXXX XXXX XXXX XXXX, and only ever requested one chargeback for under {$200.00}. I was literally a 3 day drive away from my hometown. I had no way to get back home until 2 weeks later as the first AirBnB made me rent another AirBnB which I had to pay in full. Then on the second stay, AirBnB told me to rent ANOTHER AirBnB instead of assisting me, so I definitely want my full amount back.
Product: Vehicle loan or lease

My auto loan with Citizens Bank and was included with my XXXX XXXX XXXX, however I was still manually making my payments to Citizens Bank. I was being sent monthly statements and the verbiage stated : " This is not a Bill. This statement is for informational purposes only. It is solely intended to notify you of the current status of your account and is subject to all of your rights arising from your bankruptcy filing. This is not a demand for payment by you personally of any obligation discharged in bankruptcy '' When I paid the XX/XX/XXXX bill I was informed that I had {$100.00} in late fees and I can pay these at the end of the loan. {$100.00} was the total fees shown until I received the XX/XX/XXXX Loan Statement that now included 61 late fees, starting in XX/XX/XXXX totaling {$710.00}. I was never informed of all 61 late fees until the last statement. This is very deceiving. I have tried to talk to the Bankruptcy Dept and they told me I need to talk to consumer lending and then when I speak to Consumer Lending they tell me that they can't do anything and need to talk to bankruptcy. I have asked for some of the fees to be reversed and was told no because of the amount and how old they are. I told them I never knew about them until XX/XX/XXXX.
Product: Mortgage

Every month I sent in two money orders for some reason PHH Mortgage do not record but one money order they put the other total in suspense, I have proof of the money orders every month for some reason they do not count but one money order, this has been going on for years, they put me in foreclosure two years ago because of the same thing they're doing, every month they say that I am missing one money order. The money orders goes to suspension they will not pull it down though it is the total of my monthly payment I need help thank you XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 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

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.