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

After holding a secured credit card with Capital One since XX/XX/XXXX 2015, in which I deposited a total of {$3000.00}, I applied for a new account with the bank. After initially being denied for " security reasons '' ( they indicated they were unable to verify my identity, even though I had been a credit card customer for over two years, as well as a checking account customer ). Initially I was given a credit limit of {$500.00}, and after making prompt ( often, multiple ) payments every month and carrying no balance for six months, the bank finally increased my credit line by {$250.00}, to a total of {$750.00}. The bank refuses to acknowledge that I had spent, using the recently closed " secured '' credit card, more than {$65000.00} ( of which I earned no benefit, such as rewards or cash back ) without ever carrying a balance or being late. Requests to have my credit reviewed and an increase made are summarily dismissed, with a reason given that it is " too soon '' to request another increase, and no matter who I speak to at the bank, the standard response is that there is no means to have my account reviewed.
Additionally, I have been waiting more than three months for a refund of the secured funds deposited in 2015, to which the initial call ( nearly a month ago ) indicated a check had been sent and then returned by the postal service. After an additional four calls, each roughly one week apart, the bank has yet to provide an answer as to when the funds will be returned, nor have I received a check or credit, even though I have a Capital One checking account ( which I will soon be closing, as this bank clearly is not interested in my business ).
After making the mistake of recommending my father also use Capital One last year, for his business credit card needs, he was " rewarded '' with a {$2000.00} limit when his monthly spend ( also paid in full every statement ) averages {$40000.00}.
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.

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.

39
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXXXXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXXXXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 )  Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ... 

After checking my credit reports, I noticed a 30 Day from Wells Fargo from the month of XX/XX/XXXX. 

1. On XX/XX/XXXX, I sent Wells Fargo a handwritten letter ( attached ), certified mail ( return receipt attached ), stating that I made several Credit card payments for the month of XX/XX/XXXX. I sent them two copies of proof of payment along with transaction ID numbers. 

2. On XX/XX/XXXX, I received a letter from XXXX stating they verified the account information as accurate ( attached ) 3. On XX/XX/XXXX, I received a letter from XXXX  stating they verified the account information as accurate ( attached ). 

4. On XX/XX/XXXX. I received a letter from Wells Fargo stating the information they supplied was correct. 

5. Therefore, on or about XX/XX/XXXX, I sent a notarized Affidavit ( attached ) to Wells Fargo with my Drivers license, certified mail ( return receipt attached ) stating that I made several payments to my credit card in XX/XX/XXXX and I was not 30 days late on my account. 

6. Additionally, I sent more notarized Affidavit, certified mail ( attached ), to XXXX and XXXX   asking for method of verification. 

To date, Wells Fargo has not corrected their obvious credit reporting error. 

I am supplying two proofs of payment for the month of XX/XX/XXXX and proof that the payments were debited from my checking account from Wells Fargo in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request to transunion XXXX  and XXXX pursuant to section 605B of the FCRA and XXXX   is the only one who blocked the information. I sent certified mail return receipt requested and on XX/XX/19 XXXX   received the request with the FTC affidavit my police report and letter identifying what needs to be blocked and they refuse to block it in the 4 day mandated period and told me today ( XX/XX/19 ) that their internal operating procedures required them to investigate which takes 30 days. I tried to explain to 4 different supervisor that the law requires that the information be blocked within 4 days and I was met with resistance and after 4 hours of talking on the phone going up the chain of command I was still told that I have to wait 30 days for the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have contacted XXXX XXXX XXXX several time concerning the account that it was opened Fraudulently, XXXX XXXX sent it to Midland Collection company as a collection account and we have contacted Midland several times letting them know that we reported this as a fraud account. We can not get any closer from XXXX XXXX or Midland Credit
Product: Credit card or prepaid card

I'm still in shock the way Capital One Credit Card representative tricked me to loose money but not telling right information on time. Surprised Capital One does to its customers like this, instead of helping they tricked me. I'm in shock. 

I have Savor Credit Card ( Annual Fee and 4 % rewards ), today I have contacted Capital One to change the card type to free option ( assuming that I'll get a refund prorated refund for the annual fee I paid and switch to no annual fee card ), they I told me I can switch to Silver card ( no annual fee ) and I agreed but I have asked them about refund of the existing card, she told me first she switch the card to Silver then will look into refund. After switching card to Silver, she told me I won't get refund as I paid it on XX/XX/2020 and 40 days passed to get refund, so I lost Savor Card benefits ( 4 % ), lost my annual fee and I got a new card with less reward card benefits. I'm sure she would know that I won't get refund and she could have suggested me to stay with existing Savor card until next year ( at least I can get better rewards ) switch to silver when I have to renew the card, instead knowingly she upgraded my card, after that she told me no refund. I lost annual fee and better rewards. A good company representative will present right information and would have recommended to customer for better option to win but not to loose. I'm still in shock the way I have been tricked. 

Date : XX/XX/2020 Card Type : Savor to Silver ( with loose option ) Annual Fee lost : XXXX $ Rewards lost : 4 % I'll never business with Capital One, I'll cancel the new SIlver card as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a XXXX XXXX XXXXXXXX credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from XXXX XXXX XXXXXXXX showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called XXXX XXXX  XXXX to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to experian and XXXX to have this card removed from my credit report and they refuse to take it off because XXXX  XXXX XXXX says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from XXXX  XXXX XXXX from when I reported this fraud and they told me the account was never opened. Case # XXXX
Product: Checking or savings account

I have contacted XXXX XXXX  XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. 
The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. 

I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. 

I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. 

I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. 

XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. 

I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. 
I was already paying to have 2 other of her loans that we in default rehabilitated. 

The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife.

These 2-late payments seriously affected my credit score, dropping it over 100 points.

I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated.

I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. 

There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consume trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed 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 very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was away on XXXX 2 times from XXXX and then from XXXX XXXX. I pulled my credit report and saw items, addresses, and collections that did not belong to me. I notified all of the companies listed on my credit report and all they did was update information that did not belong to me and was a result of fraud. I notified the credit bureau also and they verified the information.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Debt collection

Original complaint filed XX/XX/2023 ( did not process ). Credit Management Company ( CMC ) notified on multiple occasions about issues around the validity of debt they are attempting to collect. Notified that this is not my debt and is not a valid claim. Ignored this fact and refused to provide any evidence to the contrary. Claiming invalid contract is evidence of claim. They can not support their claim and all further attempts will be disputed. 

Secondly, they responded to a previous CFPB complaint with inaccurate information. They are attempting to report this to a credit agency and have no right.
Product: Mortgage

XXXX XXXX has filed a foreclosure action against XXXX and XXXX XXXX for a reverse mortgage allegedly signed by XXXX XXXX. The promissory note in question is not notarized or witnessed and the foreclosure is thus illegal under New Mexico law.
Product: Debt collection

I have requested the following information from GLA for several years and still have not received an answer from them. I believe this said debt is not mine as they have not provided proof of the said debt and the original creditors have no record of my name on file. GLA continues to keep it on my credit reports without providing the requested proof and documentation of said debt. 

There is an alleged debt on my credit report from GLA for the following : {$360.00} from XXXX XXXX {$290.00} XXXX  XXXX  XXXX {$150.00} XXXX  XXXX  XXXX  XXXX  I have reason to believe I do not owe this debt because I have never had an account with that creditor. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt including my original signature as guarantor. 
4. Documentation showing you are licensed to collect debts in North Carolina.
Product: Debt collection

Dear National Credit Adjusters, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Product: Checking or savings account

I opened an account on XXXX that had a {$300.00} promotion if I sent direct deposits totaling at least {$2500.00} in 60 days. TD bank shows the deposits received via direct deposit on XX/XX/XXXX and XX/XX/XXXX totaling over XXXX. 

Per secure message, they are refusing to honor the promotion because I was a customer who received a bonus on XX/XX/XXXX. However, their terms state you can not have received a checking bonus in the previous 12 months. Per their own confirmation, it was significantly more than 12 months since I had a checking account. However, they are not providing the bonus still and will not send their copy of the terms and conditions I signed up under.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Mr XXXX, My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file because of the negligence of Transunion representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts to include the actual police report filed with the XXXX Police Department. On XX/XX/2019 I submitted a complaint with the CFPB against Transunion for the fraudulent accounts reporting on my credit file. I received notification from Transunion onXX/XX/19 that these fraudulent accounts had been deleted from my credit file. However, XX/XX/2019, I received an alert form my credit monitoring system that both XXXX XXXX accounts had been re-inserted onto my credit file. I received no notification that these would be re-inserted either. these accounts were to be deleted and blocked. How is this able to happen? I am at a loss! At this moment, these fraudulent accounts are only reporting on my Transunion credit report as the others have deleted this incorrect information. I have since filed a report with the FTC and CFPB again. I am at my wits end and I feel as this process has been going on for well over a year and half with Transunion. I have also reached out to the CEO Mr XXXX for assistance as my rights have been violated. 



The fraudulent accounts to be deleted and blocked are XXXX XXXX XXXX and XXXX XXXX XXXX.