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

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take 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: Money transfer, virtual currency, or money service

Venmo froze my account and refuses to explain why it has been frozen and is demanding I send them identification and risk identity theft. They refuse to allow me to close my account even though I no longer wish to use their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the accuracy of reported debt to XXXX the last 2 dates are XX/XX/XXXX and  XX/XX/XXXX The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to XXXX   they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.
Product: Credit card or prepaid card

on XX/XX/19 I opened up XXXX disputes against XXXX  and XXXX XXXX XXXXXXXX from my Chase credit card. Chase has all the dispute information in their file. XXXX the merchandise was returned because it was defective. I never received a replacement or credit. When I left the defective merchandise I was told someone would contact me which never happened. For XXXX XXXX  these were not my charges. Chase contacted me about these charges and the agent was incredibly rude and incompetent. He would not listen to me, conduct an investigation, provide me with receipts, and was mischaracterizing everything I said. The level of incompetence displayed by him was truly astounding.
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. 

Account Name : XXXX XXXX Bankrup tcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2019, I was scammed twice using my Wells Fargo debit card. I used it once through XXXX XXXX for {$400.00} dollars and once again using my Wells Fargo debit card through XXXX for {$300.00}. I was trying both times to purchase XXXX  tickets and paid both times and never received the tickets! I contacted Wells Fargo and XXXX to file fraud charges and I received a letter from the bank saying they couldnt help me even though I told them it was a scam/fraud. I am really unhappy with this! I am a single mother of XXXX and I cant believe they cant help me get my money back or issue me a credit! Please help so this doesnt happy again to someone else!
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX  Transunion XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i. 15 USC 1681s2. 15 USC 1681i5. 15 USC 1681eb. Delete ACCOUNT Account Name : XXXX XXXX Account XXXX
Product: Credit card or prepaid card

To whom it may concern at Bank of America ; I am writing you in regards to a claim you have applied to our credit rating. Your claim states that we are late on a Bank of America credit card payment. The problem is, as we and BOA have discussed in the past, that my wife and myself do not or have we ever owned or signed up for a credit card with you at Bank of America. Our credit cards as of this correspondence which have always been paid on time are : XXXX. Visa with XXXX XXXX XXXX. Visa with XXXX XXXX XXXX  XXXX XXXX. XXXX with XXXX XXXX XXXX. XXXX with XXXX XXXX Our mortgage and house taxes are always paid on time. As you can see my wife and I always pay our bills on time for what we owned and what we initiated with our signature. 
I am as of this correspondence DISPUTING Bank of Americas claim that we owe money to BOA and contacting the Consumer Financial Protection Bureau. 
Thank You,
Product: Debt collection

IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX  AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX  GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?
Product: Debt collection

I paid the debt in full XX/XX/2017 ( have cancelled checks to verify ) and the debt collector still continues to contact me to pay the debt even though I have told them it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report.

Violate 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to any one to share my credit info Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted the end of XXXX and first 3 months of XXXX by XXXX ( XXXX XXXX ) on several times through mail, email, phone calls. XXXX and another person by the name of XXXX XXXX stated that my student loans are due and that i had to take immediate action. They stated that they were working with the Department of Education and they had a lot of my information on file including personal information to make me believe they were a legit company. so that had me to sign XXXX XXXX documents to charge me {$290.00} three times which equal close to {$1000.00} also they were expecting to take {$39.00} a month. and said they were transferring my information to XXXX student loans. i ended up getting in touch with the correct people from the Department of Education and they advised me to close my account because i was being scammed. i closed my account and tried contacting XXXX for a refund and i got no calls back and can't contact them anymore.
Product: Credit reporting

Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX.
Product: Credit card or prepaid card

On XX/XX/23 XXXX : I received a text message that my phone number has been used as the primary number for a Capitol One account. 

I logged into my XXXX account and noticed that a credit inquiry was processed from Capitol One on XX/XX/23 for a new credit card ( I did not apply for this card. 

Called Capitol Ones fraud department. The fraud department told me that my social security number and name matched the application, however the birthday did not. And because my birthday did not match the one used on the application, it was not fraud. The further told me that they have had a number of instances where multiple people have the same social security number, and that this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance to the Fair Credit Reporting Act XXXX Account # XXXX has been violated my rights. 15 U.S.C 1681 602 A. Section 1 have the right to privacy. 15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A Section XXXX have the right to privacy. 

XXXX. XXXX XXXX XXXX Section XXXX A. XXXX. It also states a consumer reporting agency can not furnish account without my written instruction.
Product: Credit card

I always ensure my payments are made on time. I am certain of this. What I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX  XXXX  XXXX XXXX  bill
Product: Payday loan, title loan, personal loan, or advance loan

XXXX called from Advance Finacial 247 and I ask who was calling she stated her name and ask if I was XXXX XXXX she hesitated to tell me where she was calling from. Once she confirmed I confirmed my information. She claimed she was calling on a recorded line to collect a debit on a loan I had. I explained how I could not pay at this time due to receiving only {$54.00} a week in unemployment funds and I have a child to care for off of that. She asked when will I return to work and I explained currently I am in a middle of a lawsuit and all I could do is wait for this to be over. She goes to say well {$54.00} is enough to pay them every week and stated Im refusing to pay. I explained again Im not accepting the verbiage she is using and XXXX not refusing rather unable to pay and care for my child with only XXXX  XXXX. I requested my bank account stop being withdrawn from due to the overdraft fees I continue to receive. I also stated this isnt the first time I requested such. She confirmed they had attempted to with draw funds yesterday. I demanded at this point this be stopped and it was my right and if not Ill contact a lawyer. She went on to say well since youre refusing to pay collection efforts will continue. I requested a supervisor 3xs before being acknowledged and sent over to one. XXXX was said supervisor who came on and stated that shanita put in request to stop withdrawals and said she probably explained it to me it could take XXXX hours and I explained no one explained anything to me and in fact shanita refused to stop all payments. I informed XXXX I requested this to stop back in late XXXX early XXXX when my bank called and asked was it fraud due to the numerous overdraft fees and ach failures related to this company. XXXX stated she doesnt see the request but rather a payment plan discussed around that time. I requested that the recording be played because this was false and she claimed only goes back XXXX hours and no one XXXX be able to go back that far. I stated I dont believe such and that Ill continue with my complaint to the CFPB because I was told by the employee back in XXXX that they could not stop any withdrawals from being deducted from my bank account. I explained I know my rights and that I had a right to legally revoke the authorization to withdraw from my account regardless of any other previously authorizations.
Product: Credit reporting or other personal consumer reports

there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX /TransUnion are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Product: Debt collection

Portfolio Recovery Associates , LLC is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.
Product: Checking or savings account

On XX/XX/23, I opened a Rewards Checking account with Upgrade Bank, under the guise that I would be able to utilize all the promised features of this new exciting account including mobile check deposit, cash deposits, and debit card deposits to my new account. 

Upon opening, I was distressed to find that I was unable to use any of these aforementioned and promised features even after receiving an email stating these features were available to me. Appalled, I phoned in to Upgrade three times and was advised by a supervisor that he has no idea why these features were unavailable and could tell me no more. 

At this time I remain appalled and shocked at this companys horrific false advertising as well as abhorrent customer care with managers who refuse to speak to their customers and are clueless as to the inner workings of this bank. As such, I demand immediate access to the mobile check deposit feature as guaranteed to me on a recorded call with an agent on XX/XX/23, as well as urgent contact from Upgrade Executive management.

This matter is extremely time urgent, and this bank must be held accountable for the false pretenses under which they draw customers in and immediate resolution is merited. 

Thank you kindly.
Product: Debt collection

I have been receiving periodic  medical services fr om  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   )   XXXX  for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with  XXXX   (   XXXX   rep ) th at I only have  XXXX  account with  XXXX  showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into  XXXX  different amoun ts. Eastern Account System (   XXXX   )   XXXX , the collection company, is reporting the  XXXX   XXXX  account as  XXXX  separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.
Product: Money transfer, virtual currency, or money service

My PayPal account has been overdrawn {$26.00} for the past few weeks. This was an issue that an automatic payment accidentally withdrew from my bank account that was low on funds. 

I have enough funds to cover the overdraft, however, when I try to link my bank account back up the website won't let me for some reason.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased my XXXX XXXX XXXX XXXX ( Loan # XXXX ) from Car Max XXXX in Oregon ( car was bought under the business with myself as co borrower ). I decided to use Car Max Finance because I liked the ease of being able to use all of the online features to manage and pay my loan. Since that time I have never once been able to log into my online account. I am only able to pay my bill over the phone with a live representative ( unable to use the automated system ) or go into a local Car Max to pay. This is inconvenient, unethical, and not what I signed up for. I signed up for a modern car loan in the year XXXX with online management options. Despite my attempts ( XXXX total ) to address this issue with Car Max Finance directly with their representatives and through their surveys, even getting so far as management and the " business office, '' absolutely nothing has been resolved. On their end the data to sign into the account is wrong. I have all of the correct data ; to include, loan number, social security, and date of birth. I even obtained the incorrect date of birth for my business they entered into the original loan documents. Car Max Finance has been negligent in addressing this issue which should have been handled immediately at my first report of the issue. I have done my due diligence to resolve this issue and pay my bills on time despite their complete lack of regard for me as a customer. I need access to my online loan account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXXXXXX US DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX
Product: Student loan

On XXXX I received an email from Navient ( Loan servicer ) stating that my loans were being transferred to XXXX XXXX New Loan Servicer ) stating in a few weeks my loans would be transferred to XXXX. Navient included a checklist of what to expect and that not much would change that I would be working with AidVantage instead of Navient, so I called to see if I needed to do anything or if my payments was due, I was told that no payment was due and I was reminded that the Virus delay was due to end and my payments would resume in XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my credit to find that Navient had placed a 30 day past due collection on my credit report as of XX/XX/XXXX. Remind you, I had contacted them, they had contacted me and I was never informed that any loan was in the repayment process, let alone past due. I'm very upset with Navient, they did the same thing once before in XXXX of last year, only difference they put a 90 day default on my credit report during the 1st mandated Presidential delay of repayment for student loans and they did not remove the default notice on that one either. Navient has a practice of student loan payment abuse, which is noted in XXXX XXXX XXXX XXXX XXXX and also in XXXX XXXX. XXXX XXXX XXXX. Navient should be held accountable for the distruction they are causing in borrowers ' lives, with falsifying repayment documentation. None of these federal loans should have been in any repayment process during this time.
Product: Credit reporting or other personal consumer reports

Ive found some inaccuracies in my credit report regarding billing. The listed late payments are inconsistent with my normal payment patterns. Please correct these errors and update my account. Thanks!
Product: Student loan

Navient was wanting XXXX payments per month with 9 % interest rate. That was their affordable payment, based on my XXXX a month income. They then offered me a lower monthly payment of XXXX with a 4 % interest for a limited time and said I might be able to opt into that program for an extended period of time, 6-8 months. In the extended time period my interested rate would be increased from the original amount of 4 %. The whole process is made for the borrow 's to never be able to erase the original debt. The school I took out the private loans for was sued by California Bureau for Private Postsecondary and Vocational Education and they won. The school, XXXX XXXX XXXX XXXX was misleading all of its students. It lied about the wages we would make post school, networking ability, attendance, etc. The school later closed down. I have told Navient of such actions the school did and there is no help because of that. They do not care about the issues, they only care about receiving their money.
Product: Money transfer, virtual currency, or money service

In XXXX, I experienced a frustrating and distressing situation when money, over {$5000.00}, was stolen from my bank accounts through Zelle. Unauthorized transactions were made without my consent, leaving me scrambling to understand how my funds had been accessed. Despite reaching out to my bank and Zelle for assistance, resolving the issue proved challenging, as both parties initially denied responsibility. The incident left me feeling vulnerable and highlighted the importance of monitoring account activity and advocating for stronger consumer protections in digital payment systems.