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

I hereby express my deep dissatisfaction and dismay at the decision made by Cash App to close my account without prior notice, justification, or warning. This act not only constitutes a violation of my rights as a consumer, but also directly affects my reputation, implicitly suggesting that my financial activity could be fraudulent or illicit, which I categorically reject. 



Based on the rights and protections established by the laws of the United States, including the provisions of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Financial Protection Act, I demand a thorough and transparent review of the case. These laws prohibit financial institutions from making arbitrary and discriminatory decisions that affect a consumer 's ability to access financial services without providing reasonable cause and supporting documentation.

Additionally, the United States Constitution, through the Fourteenth Amendment, guarantees me the right to due process and a fair resolution, which includes being notified in advance and given an opportunity to appeal before any decision is made that affects my rights and interests. Cash App has failed to follow this fundamental principle, which I find unacceptable. 



My defense is based on the following points : Lack of prior notification and warnings : The closure of my account was done suddenly, without me having been previously informed of any irregularities or problems related to my financial activity. This constitutes a serious lack of transparency and professionalism. 



Lack of clear and documented reasons : Cash App did not provide me with any evidence or specific reasons to justify the closure of my account, which violates my right to understand and, where appropriate, refute any allegations that may have been made. 


Negative impact on my reputation and financial activity : The arbitrary decision to close my account has left me in a vulnerable position, affecting my ability to manage my personal and business finances. By closing my account without reason, Cash App has compromised my reputation by suggesting that I may be involved in improper activities. 


Compliance with terms and conditions : During the use of my account, I have always respected the terms and conditions set by Cash App, using the platform exclusively for legitimate purposes, such as managing my personal finances and routine transactions. 


Violation of the Consumer Protection Act ( Fair Credit Billing Act ) : Under regulations, any action involving consumer accounts must be carried out with transparency, including an adequate process for dispute resolution.
Product: Credit card or prepaid card

I have been charged {$160.00} for an item that was refunded. AMEX Reward points were originally charged along with my AMEX card ( appears to be a double charge ). Then when I informed AMEX Rewards that the order for the item was cancelled and thus I should have gotten the points back ( 1/2 the problem ), AMEX charged me again for the same item. Just when I thought that I had an adjusted amount to pay them, they XXXX  my account up again. They are still showing that I owe them {$490.00} which includes a double charge of {$160.00}. Thus I believe that I owe them $ XXXX ( XXXX ) {$160.00} charges equal to {$160.00}. They are taking their time resolving this I believe so that they can then charge me interest. I always pay on time. This needs to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX  XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} EQUIFAX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Product: Credit reporting or other personal consumer reports

on XXXX XXXX, XXXX Comenity Capital Bank decided to CHEAT me by their claim of Late Payment. 
They mailed me a Bill ( {$110.00} ) ; I sent the FULL amount. 
the following month 's statement indicated a remaining Outstanding balance ( {$33.00} ) ; The bank ( falsely ) claims that my payment ARRIVED 6 days __too late__. 
( They easily could claim " LATE '' with any incoming postal delivery. ) I wrote and included the billing statement with my OBJECTION expecting resolution ; a 3rd billing cycle account statement arrived was shocked : for what they claim is a 6-day late payment, the interest charges amount to {$33.00} AND that they are now Compounding the fees so that my NEW balance is ( aprox. ) {$66.00}! 
I then telephoned Comenity Bank and was given mere excuses. Over the telephone I insisted that my balance be brought to $ XXXX or else I must contact authorities.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX INQUIRY : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied for a car loan. I was approved for the loan, but with an interest rate of 9.4 %. They said the reason for the high interest rate was because the credit reporting agency that they went through, which was Equifax, showed my credit score was only XXXX. I have an account with Equifax and when I check my score it says it is XXXX. I did not purchase the car.
Product: Checking or savings account

Bank of America closed my personal and business accounts today without any notice. 
I only found out when I tried to run a transaction thru and it was denied. I called them because I have never done an overdraft with them since this account was opened. All they would tell me is that it was a business decision. No other explanation was made. 
Now all my money is tied up, all the checks that I wrote are being returned and any direct deposits that came into this account are also being returned. I still have approximately {$2600.00} in these two accounts and I can not get access to it. I have bills to pay and no money. When I asked when I would be getting this money all she would tell me is that I would be getting a letter in the mail in the next week. She told me they would be issuing me a cashier 's check for the account balance but could not tell me when. I said I need this money as it is all I have to live on and her response was everyone needs money these days. I am just beside myself as to what I am going to do. I can not believe that they can just close an account for no reason and then hold on to the money without giving you a date as to when it will be returned. Just a terrible way to treat customers.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX Account Number : XXXX Reason for Dispute : XXXX has yet to furnish the purchase agreement/contract baring both human signatures of both parties Me & XXXX binding me to this contract. XXXX is also reporting positive on TransUnion & Negative on XXXX and XXXX. I have never authorized XXXX to obtain my information phone number, email and Address. This company has exerted countless violations that are effecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally,15. U.S.C 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of th
is title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Product: Checking or savings account

I have over XXXX in the account that i cant access because they dont know where the money is
Product: Debt collection

Capital One took {$1100.00} out of my bank account. I have three Capital One accounts, but I do not owe an {$1100.00} debt on any of them. I contacted Capital One and asked why they collected this debt from my checking account, and I offered to provide the confirmation / receipt number assigned, but they refused to assist me. They told me they could not look up the payment or provide me an explanation of why it was taken from my account even after I offered them the confirmation number that was showing on their payment in my bank statement. I would like the CFPB to find out why {$1100.00} was taken out my account. It was taken out in two increments one for {$500.00} on XX/XX/31 and one for {$600.00} on XXXX. 

I recorded the conversation with XXXX and disclosed to them that I was doing so. I can provide the recording as supporting documentation.
Product: Debt collection

Resurgent / LVNV Funding, LLC are a collections Company that appears to purchase the debt from the original alleged creditor which is XXXX XXXX XXXX XXXX. They were removed as fraud from my cunsumer report. 
LVNV Funding, LLC / Resurgent is using my nonpublic personal identifying information to include my social security number WITHOUT my express consent or authority. I deny and object to the liability on account : XXXX as I am not a Debtor BUT a CREDITOR who acquired consumer goods to be used primarily for personal, family, or household goods. The Three credit reporting agencies are directed to remove said inaccurate information as it causes the CONSUMER undue hardship and reduces my lending / selling ability and purchasing buying power through commercial disparagement which is a form of Identity Theft of property. This private entity changed my charactor from creditor / supplier / issuer / accounts payable to borrower / debtor / accounts receivable and assumed my name through commercial paper. XXXX XXXX has NO statue of limitations and I will defend against. I have reserved all my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate information from my credit profile as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 602 State 's I have a right to privacy 15usc1681 604a 2 State 's that a reporting agency can not furnish a account without my written instructions Under 15usc1666 b a creditor my not treat a payment on a credit card under a open and consumer plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX ( 1 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 or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Please rectify this matter IMMEDIATELY!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking for the original contract between myself and the original creditor, where I agreed to the assignment of the debt ; with my ink signature. 

Portfolio Recovery has failed to provide me with the requested documents. 

However, it has been brought to my attention by my neighbor that Portfolio Recovery have tried to serve me papers with a processor to take me to court for alleged debt. Portfolio Recovery are using horrible/illegal tactics by disclosing to my neighbor of this alleged debt and I have video of this same processor opening my mailbox and going through my mail on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX