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

I purchased a purse from a lady and she never sent the bag only the tracking number and still hasnt been received by XXXX, I was scammed and I just want my money I did dispute the charges through my back but havent been refunded.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Resurgence Subject : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with account number # XXXX. According to my understanding of the law, I believe that this debt may have been collected or attempted to be collected by extortionate means, as outlined in 18 U.S. Code 894.

As per the statute, it is illegal to use extortionate means to collect or attempt to collect any extension of credit. I request that you provide evidence verifying the legitimacy of this debt and the collection methods employed. Specifically, I would like to know : 1. The original creditors information.

2. Details of the alleged debt, including the amount owed.

3. Any documentation proving that the debt was not collected through extortionate means.

Please cease all collection activities related to this account until you have verified the debts validity. Failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to receiving the requested information within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

I normally get my paycheck to my cash app account and for no reason at all or an explanation, my entire paycheck was denied by cash app & took over 2 weeks for me to receive my funds from my job.

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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices and constant phone calls, in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to XX/XX/XXXX, equifax, and XX/XX/XXXX. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.
Product: Debt collection

Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year or two ago they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $ 3000+ of it which seems more than fair in my opinion. However they are still asking for $ 4000+, 200 % of the debt.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Urgent Request for Removal of Fraudulent Accounts FTC Complaint Filed Dear TransUnion XXXX, I, XXXX XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX : * -- XXXX ), am a victim of identity theft. Despite my previous disputes, fraudulent accounts remain on my credit report, negatively impacting my credit score and leading to the denial of a home loan. I have filed a new FTC Identity Theft Complaint and demand the immediate removal of these fraudulent accounts.

Statement of Involvement I am submitting this request independently, without any third-party assistance. These accounts are fraudulent and can not be verified as mine. When I contacted the creditors, they confirmed that they no longer have records of these accounts and directed me to TransUnion for resolution. 

Fraudulent Accounts Request for Deletion The following fraudulent accounts must be removed from my credit file immediately : 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 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 Addresses Request for Deletion The following addresses must be removed from my credit report : 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 I expect immediate removal of these fraudulent items per the Fair Credit Reporting Act XXXX FCRA ). Please update my credit file and provide a written response confirming these deletions. 

Enclosures : Social Security Card, ID, FTC Identity Theft Report Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX  ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report by Equifax. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Equifax. On XX/XX/, I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Equifax the response was shockingly insufficient. My credit score decreased significantly. After disputing this with an Equifax and providing XXXX XXXX 's reference number ( XXXX fraudulent application with notes stating : closed application ), my credit score with Equifax has remained unchanged with the significant score drop. This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate Equifax reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Equifax. The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXX 's persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX  representative when I went to open a checking and savings account with them. Moreover, the reporting inaccuracies from Equifax have further compounded the problem. Examples of this are not updating my accounts accurately by not providing the correct monthly balance updates.This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. I shouldn't have to constantly have to reach out to the CFPB to help me get my information corrected, updated, and protect my security. This is unacceptable. I have already let Equifax know that I have not requested credit from XXXX XXXX nor authorized this! I have disputed this with Equifax and Equifax has sent me notification stating that the hard inquiry is accurate even though I have provided the reference information from XXXX XXXX stating it is fraudulent!!! This is unacceptable on the part of Equifax!! What is wrong with this picture?? I need the escalations department from Equifax to step in and do something about this
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  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Reporting inquiry on my report Not mind and attached to a wrong address only address was mind XXXX XXXX XXXX XXXX Tn reporting inquiry and late Payment on my credit filled Im asking all accounts Not associated with my address to be removed
Product: Checking or savings account

I deposited a check from my mother for {$1100.00} onto my Chase checking account. Chase froze and shut down my account without so much of a call, text or email. They refuse to allow my to get to my money, including the money I had in my account before the deposit. They withdrew the money from my mother 's account even though they claim they could not verify if the check was authorized. They refuse to release the money to me and they refuse to give the money back to my mother. This has been the most stressful and scary experience I have had with a bank that they can just take your money from you and there is nothing you can do about it. 

Here is a timeline of what has happened : XX/XX/18 Deposit check for {$1100.00} from my mother, on Chase via mobile banking. Check begins processing. 

XX/XX/18 Bank account balance falls to $ XXXX. Insufficient funds notice email. They shut down my entire account without so much as a phone call, email or text message. 

Call chase and redirected to fraud department. Discuss with Fraud people the contact information for my mom. I give them her number. They try to find her number in their database even though she has never had an account with them. It won't show up. They say they can't help unless they can reach her over the phone. The number I supplied them with is the number that her bank uses. We established that check may still go through. The check is still processing. Chase doesn't stop the check. 

XX/XX/18 Call again ... call drops and they never call me back. 

XX/XX/18 Proceed to wait, hoping that the next day, Monday, the money will finally clear. 

XX/XX/18 The money is cleared in my account. It is withdrawn from my mothers account however I am still locked out of my account. I am not even allowed to withdraw money I had in the account previously before this incident. Chase refuses to return the money to my mother. They won't refund her the money. 

XX/XX/18 I call again and escalate it to a supervisor. Call drops and I never get called back. Call again, speak to another supervisor. I ask to speak to that supervisor 's supervisor. That person tells me that my mother has to go to the US Embassy in the country she's in to have a notarized letter sent to Chase that she authorizes the check. My mother lives in a country where there is no US Embassy and she is not going to fly somewhere just to do this. I tell Chase that they have to give the money back. They try to tell me that XXXX XXXX XXXX, where the check is from, has to stop the check. XXXX XXXX XXXX can not stop the check because Chase has already taken the money even though they claim that they can not confirm if the check is authorized or not. 

XX/XX/18 My mother files a complaint with the CFPB on my behalf. 

XX/XX/18 I speak to XXXX from Chase Bank Executive office, he says he is monitoring the case and he will be helping me. Does absolutely nothing to help me. 

XX/XX/18 My mother get 's an email about being an unauthorized 3rd party filing on my behalf. I then file the complaint myself.
Product: Checking or savings account

I am writing to file a claim regarding misleading practices by Capital One concerning my 360 Savings Account. I have held this account for some time and was initially drawn to it because of the advertised Annual Percentage Yield ( APY ) that promised competitive interest rates on my savings. However, my experience has been far from what was advertised. 

Despite maintaining my account as required, the interest earned on my savings has consistently been far lower than what the advertised APY promised. There were even periods where I earned little to no interest, making me question whether the APY claims were accurate or if I was being misled about the true benefits of the account.

I attempted to contact Capital One multiple times for clarification, but I was often given vague responses that failed to address my concerns. This lack of transparency only heightened my frustration and made me feel like I was being intentionally kept in the dark about how the interest rates were calculated or why the returns were so minimal compared to what I was led to believe.

I believe that Capital Ones practices have unfairly impacted me and other consumers who trusted their advertised terms. I respectfully request your assistance in investigating this matter further and ensuring that customers like me receive fair treatment and appropriate compensation for any losses incurred due to these misleading practices.
Product: Vehicle loan or lease

I lost my job due to pandemic on XXXX of XXXX and my son lost his job on XX/XX/XXXX we can not afford to pay the monthly payment of the car so we decided to voluntary surrender the car I call the Credit department of ford they send a letter of voluntary surrender which stated that they going to sell the car in auction and if the sale did not cover the due balance of {$25000.00} plus sale expenses I will pay the difference.I call them back and told them that i am not going to sign the letter and i will just drop the car to Dealer where i bought the car which is XXXX XXXX in XXXX I call XXXX XXXX but they did not want to accept the car and said that i can drop the car but they are not going to give a documentation and it on me if something happen to the car.I called back Ford credit department but i can not get an answer so i decided to file a complaint
Product: Bank account or service

I went to Bank of America Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord BOA Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that BOA did not process cash advances for non-customers. As I have done this at BOA for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that BOA stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call BOA corpoate and was told I was lies to. I filed a complaint through BOA corpaorate and the first branch I went to. Both said BOA did process cash advances for non-customers and I was not told the truth.
Product: Checking or savings account

Chase bank close my account on XX/XX/XXXXThey told me the account was closed because they did not want to continue the relationship and told me I would receive the money that was in my account via cashier check within 14 days. I have yet to receive my funds. I called today and they told me that there is an investigation with my account and would receive my money after the investigation. They will not disclose the nature of the investigation or when I will receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX b ) XXXX - Date of inquiry : XX/XX/XXXX c ) XXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX e ) XXXX - Date of inquiry : XX/XX/XXXX f ) XXXX XXXX - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



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

I have a personal loan through XXXX XXXX. I fell behind on payments due expenses from a death in the family and medical bills. I spoke with a representative from XXXX XXXX and agreed to a reduced payment plan. When I made a reduced payment a few days late after having made multiple payments as agreed, XXXX XXXX went back and retroactively posted a 90 day delinquency to my credit report, dropping my credit score by over 50 points. They did something called a " reversed payment '' where they took a payment that I made and reapplied it months after the payment was made to make it appear that I had not made any payments at all for 90 days, which is false. What they did was unethical and a violation of the Fair Credit Reporting Act. I have emailed them multiple times but I have not received any reply.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate steps to eliminate the fraudulent inquiries from my credit report, as they were not approved by me and are causing me considerable distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX AKA World Omni. They are reporting my payments late. I am current on my account. They have me as 60 days late on XXXX and I have called XXXX   about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Experian for an explanation into why my data is sent to XXXX when I click send on their site. I was not able to get past their automated system. I have attached an image that shows where they are connecting to XXXX.
Product: Credit reporting or other personal consumer reports

In violation of FCRA 15 USC 1602p, this company is using my alleged credit report for an unauthorized purpose. They have furnished my alleged consumer reports with false unverified information, hurting my ability to access my use of consumer credit. They have not provided any proof of an actual inquiry. They've stolen my information to use it to damage me.