23daVinci/CFPB_Complaints huggingface dataset:
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. Futhermore, 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

My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
Product: Credit card

The XXXX app to manage my XXXX XXXX does not update payment accounts from the same bank leading to declined credit card payments and putting the consumer in an endless cycle of updating accounts to declined payments to being charged interest fees and balance continuously growing. I reside in a building that partners with the XXXX XXXX by Wells Fargo to be the *only* credit card that does not charge a 4 % fee to be used on rent payments. I bank with XXXX XXXX. My primary checking account was compromised and I worked with XXXX  to open a new checking account. I have followed the XXXX app over 5 times to link to my new XXXX  account. When submitting payment or viewing account management, the XXXX app *never* displays *any* account numbers to verify the account being used. For example XXXX  XXXX is all you see on any screen. When linking the new checking account the XXXX apps built in process says the new checking account is already linked. When the consumer then goes to pay the XXXX app still pays from the XXXX account with no warning to the consumer. This begins the endless cycle. Wells Fargo does not electronically notify the user via XXXX or any means such text, email, or phone call that the payment failed. Instead they send a letter. Wells Fargo does not give notice for an opportunity for someone with a job that requires frequent travel to fix their payment issue and the XXXX app also does not send notification of the payment issue. Once the consumer recognizes the payment issue, identifies the endless feedback loop in the XXXX app IT failure, then they can begin to work directly with Wells Fargo. It takes almost a week after the last failed payment for the Wells Fargo website to allow balance to be paid the credit after interest has accrued and all negative factors with a credit card bill going weeks without being paid. This failure is solely due to flawed design of the XXXX app hiding all information from the consumer to show which account is paying and for Wells Fargo to not ensure timely updates from the XXXX accounts to allow faster direct payments. The XXXX credit card app jeopardizes consumer financial health while purposely making paying from other cards more expensive for necessities such as rent.
Product: Payday loan, title loan, or personal loan

I applied online for a payday business loan from Giggle Finance on XX/XX/2022 and signed a one page contract ( company only made one page visible to me upon signing ) by email. I immediately decided I did not want the loan and tried to contact the lender repeatedly to cancel the loan entirely and they never answered or responded to my phone calls. This was an immediate red flag. I received an ACH deposit in the amount of {$450.00} on XX/XX/2022 & contacted my bank right away to block the merchant transactions as I suspected this lender may not be trustworthy. I attempted to repay the funds that were disbursed prior to cancelling my card, but their website does not give the borrower any option to set up an account and make payments and still they were not answering any calls to their company phone. Now 3 months later after NO CONTACT from the lender they have forwarded the matter to a collection firm and filed a UCC lien with the state against my business assets that caused a random cash app account to be frozen. Per the collection firm, they are demanding over {$1000.00} to settle the debt which is laughable. The collection firm has also stated that issue has occurred with several other borrowers on behalf of this company. Again, Giggle has made zero effort to contact me directly and they have not answered any phone calls to their company phone, which I suspect they do on purpose to avoid listening to consumer concerns about their predatory lending practices. I have only been in contact with them through the debt collection firm over the past week of XXXX and they are lying and deceiving even them! Please beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six complaint and I want to tell you that I am a victim of identity theft and I am submitting this request for you to investigate some inaccurate informations on my credit file. I found out that these inaccurate items does not belongs to me nor i never signed any agreement regarding this. Since it is a necessity by regulation 605b of the FCRA that these inaccurate items must be deleted on my file. I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These erroneous items must be remove on my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00}.
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I have contacted best egg several times in regarding to my reward redemption request, first time was the end of XXXX when they randomly closed my account, second time was XX/XX/XXXX and the third was today XX/XX/XXXX everytime I call I am being told different things and Im not understanding what is so difficult about my request. the account is now closed I have a reward balance of {$16.00} and my account balance is {$16.00} I requested for them to either cut me a check for that amount or to add it to my account. I was advised today that they wont do either. Which doesnt make any sense because that money is still owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letter and report attached with accounts which are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct this accounts : XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX Balance Owed : {$34000.00}.
Product: Consumer Loan

Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.
Product: Checking or savings account

For the past several years ( since at least 2016 ), I have been battling with USAA in regards to financial money mismanagement. During those years, they have told me they are working on resolving this issue. I have several bank accounts with USAA, a credit card, Auto, and renters insurance with USAA. Each month, I pay a monthly bill to USAA to pay my insurance. Each month, the insurance payment shows as a pending transaction on my account for a very brief time. Then a few days before the ACH transaction takes place the pending transaction drops off the banking side of my bill pay account. For period of about 8 to 12 days before, during, and after ACH transaction ( with USAA ) the money does not show as a pending or paid transaction. I understand that during the process there should be a day or two that this might briefly occur. However, It literally disappears and does not exist. Then it eventually shows back up at a pending transaction for the follow month or months. The money is in limbo from my account for usually 15 days and the ACH transaction setup in my bill pay magically disappears and reappears every month. When it is there it shows the pending transaction and the future transactions for the next few months. When it is in limbo it is gone completely. The only record exist it paid history. I have asked USAA hundreds of times to fix this issue. I have file hundreds of complaints with USAA. This money mismanagement has made it so I accidently over drafted my account on two different occasions. 



Today, is XX/XX/XXXX. A few days ago the ACH transaction for my insurance payment due on the XXXX of XXXX disappeared from my bill pay account. According to my bill pay account, I have no payments scheduled to pay my insurance scheduled at all or pending from now until the end of time.. Inside my bill pay account, it clearly shows there is an ACH transaction scheduled for the XXXX of each month. I spoke with the executive resolution team ( XXXX ) with USAA today. She would not stop arguing and raising her voice with me. This is the common treatment I get with USAA. I believe USAA is engaged in money mismanagement and/or racketeering / embezzlement. I researched if anyone else is having trouble with USAA and found the following. 



UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY XXXX I also found that USAA was fined {$85.00} million dollars last year for 'Violations of Law XXXX XXXX  : XXXX. 



I am asking someone to look into this situation.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Captial One and their failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, whcih may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

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

I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific entries that I believe are incorrect, including late payments that I assert should be updated to reflect that they were paid as agreed and never late. I referenced 15 U.S.C. 1666b, which pertains to the timing of payments, to support my request for these updates.

Additionally, I raised concerns about multiple debts reported by various collectors, invoking 15 U.S.C. 1692g, which requires debt collectors to validate any alleged debts before continuing collection efforts. I requested that TransUnion provide proof of these debts, including original documents bearing my signature and any contracts between the debt collectors and the original creditors. I emphasized that if they failed to provide this information, the items should be deleted from my credit report.

I also pointed out unauthorized hard inquiries on my report, citing 15 U.S.C. 1681b ( a ) ( 2 ), and requested the deletion of these inquiries. Furthermore, I disputed incorrect personal information, including addresses that do not belong to me.

Under the Fair Credit Reporting Act ( FCRA ), I reminded TransUnion of their obligation to investigate disputes and correct inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. I referenced case law to underscore the necessity of a thorough investigation and the potential liability they face for non-compliance.

I expect a prompt and thorough investigation, along with written confirmation of their findings. I made it clear that if this matter is not resolved within the legally mandated timeframe, I am prepared to escalate the issue to regulatory agencies or pursue legal action. I also requested a detailed description of the procedures used during their investigation, as required by law.

In summary, I am seeking immediate action to correct my credit report and ensure compliance with federal laws governing credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately. I have never been late and I ask the reporting agency to prove this with documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXXXXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C .

1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Vehicle loan or lease

Wrongful Repossession and late payments showing on my credit reports : I am a XXXX XXXX XXXX XXXX XXXX and was shocked when my vehicle was repossessed by USAA FSB in XX/XX/XXXX.  I do n't know how this could happen, especially, since my car loan has been set on ACH payments through XXXX XXXX XXXX XXXX since I purchased it. 

The transactions on USAA.com that show reversals, do not match on my XXXX XXXX XXXX XXXX bank statements. The XX/XX/XXXX transactions screenshot only shows my auto insurance policy. There are no statements for late payments or missed payments. Also, the weekend that they repossessed my vehicle, there were large unexplained fees of {$950.00} & {$750.00} on my USAA.com account. 

You can compare the bank statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my USAA.com transactions, payments or reversals ... .They do n't show on my bank statements. 

My fianc at the time, and now husband, paid over {$2200.00} to USAA to redeem the repossession. And I tried to resolve this issue in the past but both institutions are placing blame on each other without accountability, nor reparations. 

We have been trying to qualify for a home purchase loan and our efforts have been hindered due to the credit report lates and repossession remarks. Please help.