23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2021 I put a refundable deposit down for a XXXX XXXX for {$100.00}. In XX/XX/2021 I cancelled the order and the deposit was to refunded within 7-10 days. It was not issued. I disputed the charge and sent the refund documentation to Bank of America XX/XX/2021 and have heard no response. Here is the B of A charge information : XXXX XXXX XXXX XXXX CA Transaction date : XX/XX/2021 Card type : Visa Transaction type : Purchases Merchant description : CAR AND TRUCK DEALERS ( NEW & USED ) -SALES, SERVIC Merchant information : XXXX, CA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Transportation : Automotive Expenses Select toEditthe transaction category Online Purchase : N
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ). Specially, 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 reporting, credit repair services, or other personal consumer reports

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to NAVIENT was discharged. NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX for " collection '', which is totally ILLEGAL! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Product: Mortgage

I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1600.00} because my statement was showing I had additional cost because of a shortage. I attached a copy of my statement to show this amount. So I paid the {$1600.00}. Then, I paid my XXXX payment on XX/XX/year>. I have also included a copy of my payment summary from Flagstar 's website. But my account summary is saying I am late. On my statement is says in regard to the suspense account " ... the funds are being held because it is not sufficient to apply a full monthly payment. Upon receipt of the necessary difference the funds will be credited to the mortgage. '' It was a full payment that was sent, and I have called numerous times to get an explanation. I have enclosed the most up to date statement that was on Flagstar 's website to show that my payment is still in suspense. 

I called on XX/XX/year> at XXXX a.m. and spoke with XXXX. She told me the payment was being held in suspense until my bankruptcy trustee updates the mortgage account. I called my bankruptcy attorney and indicated this information and she told me that is not true. The trustee does not update mortgage accounts. Then, on XX/XX/year> at XXXX a.m. I spoke with XXXX, I was told my money was in the suspense account because of my bankruptcy which I told them it is not true because I spoke with my bankruptcy attorney about it and my attorney indicated that is not how it works. Also, that does not reflect on my statement in regard to the suspense account. Then, I was told in a few days the money should be out of the suspense account and I said I will call back that Friday or Monday and make sure it is out of the suspense account. Then, I called again on XX/XX/year> at XXXXXXXX XXXXXXXX and spoke with XXXX, then I was told that it was in the bankruptcy department and they will relinquish the funds but it is not showing as past due. But, my account summary page on their web page shows I am past due. I have made all my payments to date and the other payments I made did not go into the suspense account except the {$1600.00} payment. I have received every excuse of why it is in the suspense account. This was not a partial payment, this was a full payment according to my statement that is attached. That money needs to be applied to my mortgage.
Product: Vehicle loan or lease

I financed the car through a dealership in XXXX of 2018 that was crooked. There were many issues with the car and I tried giving the car back but to no avail. I called credit acceptance several times to have my payments lowered because they kept adding on fees I have no idea how and they would not explain it to me. In addition to giving me the running around and telling me something different ever time I called. This whole situation has put me through suffering and damages to my credit and livelihood. And has been truly a nightmare.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent them a letter stating that I wanted to opt out already but they still won't comply. 
Under the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.

Experian, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Experian, possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right. 
Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts.

In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures.

Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

When I log in to my account summary, the " Minimum Payment Due '' is grey-ed out. It is in a lighter font than the " Statement Balance '' the " Scheduled Payments '' amount and " Available Credit '' Amount. This leads me to believe that there is no minimum due or that I have already payed it. It is misleading. Also. XXXX  does not allow scheduled payments ( payment scheduled once to reoccur each month - ex always make minimum payment from XXXX XXXX account ). By saying there is a " Scheduled Payment '' is also misleading. That feature does not exist. You can only make one-time payments and can not schedule these regularly.
Product: Credit reporting or other personal consumer reports

I have notified Transunion that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries.

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA

), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Transunion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request Transunion to remove the following ( 2 ) inaccurate, unverifiable, fraudulent inquiries from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 reporting, credit repair services, or other personal consumer reports

I have been trying to dispute something on my Experian credit report so it can be taken off for the last 3 weeks and each time it comes up not available at this time. I have emailed the company with my question as to why their dispute is not working, with no reply.

I even made a screenshot so that I could send that to them.

I have been trying to build my credit up and this has knocked my credit down by 19 points, this is why I'm trying to dispute.

I have had a lot of problem with Experian not removing things off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For XXXX XXXX XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit reporting agency to dispute the following account : XXXX XXXX ( Tax lien ). This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor can not verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.
Product: Credit card

On XX/XX/XXXX I uncovered that an account was open in XXXX of XXXX with Citi. I never signed up for this card. I never received this card. I never called in to activate this card. I never used this card. I Have no knowledge of the charges that are on this card. I am covered that it was maxed out at {$9300.00}. I filed for identity theft and fraud with the company on XX/XX/XXXX. I was told that the cards were delivered to my home. I was not in town in XXXX due to my fathers death. I filed a police report. I provided the police report to city. I filed with the FTC. I filed credit freezes on all credit bureaus I have contacted multiple times with citi trying to get this resolved. I did not sign up for this card and use this card. I need help recovering what has been done. I can provide the police report again and what was asked for me to state on the police report.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX  Account XXXX DEPT OF ED/XXXX Account number XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received text message that I opened 2 Cpital One / BASS PRO accounts. Then I received XXXX credit alert that Capital One did a hard pull of my credit report. It is someone else steals my identity and opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need assistance from the CRA 's because their client, XXXX XXXX XXXX XXXX makes a mockery out of an investigation. It is wrong for the CRA 's to request an investigation and then XXXX  merely reply they are reporting correctly. I have repeatedly requested copy of the credit report used for a fraudulent loan through ( XXXX  ). XXXX has repeatedly denied. The credit report will prove the theft and fraud reflecting I was " checked out '' first and then the report was pulled prior to applications and loan. XXXX couldn't find the report and after 60 days labels my request as a duplicate with CFPB. This is 100 % wrong! In addition to not having permissible purpose, the loan should have never been processed in the first place. Can the CRA 's go back in their system and find the credit report that XXXX  does not have? What can the CRA 's do to help? I request a detailed report why XXXX continually labels my requests as a duplicate when the have never furnished the credit report. And a detailed report of why they continually state they are reporting properly.
Product: Checking or savings account

I opened a Bank of America account online, they opened the account, I changed my direct deposit to the account. Received my debit card. I activated the debit card and my first direct deposit hit the account. Then the next day Bank of America had froze my account. 

I called and they said they could not verify my identity. Even though the account had been opened for over a week, I had already received a direct deposit, and had received and activated my debit card. 

I told them I would bring proof of id to the branch, including driver license, bill and or birth cert if they needed it. They said no, they can not unfreeze my account and will be closing it since they cant prove who I am.

Never had this problem anywhere. Not sure why they even opened my account in the first place if they couldnt verify who I was. 

After they closed my account, they continued sending me welcome to Bank of America letters through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
3, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my XXXX correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.
Product: Debt collection

Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and XXXX XXXX. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.
Product: Credit card or prepaid card

We purchased the card from Macys in the amount of {$400.00}. Used it once for {$67.00}. There should have been a remaining balance of {$330.00}. Somehow balance was adjusted to {$0.00}. No other transactions were made and card was never lost. 

Submitted a claim to their gift card claims department XXXX  months ago and have recieved XXXX help or resolution even when represented by a store manager trying to assist. Everytime we call they say they we will recieve an answer within a certain timeline and never once have they followed through. 

We want the balance restored and all we get is a runaround. The card was intended to use for holiday shopping so not only did we give macys money up front for the card we then had to spend more out of pocket since that money is essentially frozen. There is no department within macys that holds the gift card department accountable either we have tried and nobody will help. This experience makes me never want to deal with Macy 's again and I will be certain to tell everyone I know about it.
Product: Money transfer, virtual currency, or money service

Subject : Unfair Account Closures Cash App Dear consumer finance bureau, I am writing to bring to your attention a recurring issue with Cash App, a service I have attempted to utilize for financial transactions. Despite diligently completing the verification process for each account I try to open, Cash App has repeatedly closed my accounts without providing clear reasons, causing significant inconvenience and frustration. 

Timeline of Events : 1. **Account Opening Attempts : ** On multiple occasions, I have attempted to open an account with Cash App for legitimate financial transactions. I have consistently followed the verification process, providing all required information and documentation promptly. 

2. **Verification Compliance : ** I have diligently adhered to Cash App 's verification requirements, ensuring that all submitted information is accurate and in line with their policies. 

3. **Repetitive Account Closures : ** Despite my efforts to comply with Cash App 's verification procedures, each account I open is summarily closed by the company. Regrettably, no clear explanations or details are provided for these closures.

**Concerns : ** 1. **Lack of Transparency : ** Cash App has not communicated transparently regarding the reasons behind the repeated closures of my accounts, leaving me uninformed and perplexed. 

2. **Inconvenience and Frustration : ** The frequent closures of my accounts have caused considerable inconvenience, disrupting my ability to engage in essential financial transactions through Cash App.

3. **Impact on Reputation : ** These account closures may have unintended consequences on my financial reputation, potentially affecting my ability to utilize other financial services. 

**Requested Resolution : ** I seek a thorough investigation into the reasons behind the recurrent closures of my accounts with XXXX  XXXX. Additionally, I request clear and detailed explanations for each closure, enabling me to address any concerns or discrepancies promptly. 

I trust that the XXXX XXXX XXXX will facilitate a fair resolution to this matter, ensuring transparency and accountability on the part of Cash App. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX