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

On XX/XX/XXXX I noticed suspicious activity on my Cash App Visa. I  notified Cash App through their app on my mobile and I received an email acknowledging receipt of notification. I later attempted to call an 800 number, which later to learn it was not an official Cash App site. I sent an email to Cash App providing information from the 800 call which the representative asked me to access my personal checking account, an unauthorized payment to XXXX XXXX for {$690.00} was removed from my Cash App Visa, and two attempted withdrawals from my personal checking account declined by my bank, one for {$690.00} and other {$490.00}. My personal bank immediately deactivated my Visa debit card. I have not received a phone call from Cash App. I have only received communication through email. I went against my family and friends advise of filing charges and a complaint. I was asked to allow ten business days for an investigation, which ended XX/XX/XXXX. I received the following emails below post the alleged investigation. 

I had to travel for work without a debit card. I am on budget, in bankruptcy, bills not paid, and I had to borrow money. I am still wondering if my mobile is compromised, I removed apps and I limited my use. Cash App has not shown empathy, concern, or compassion to the matter. Cash App continues to dismiss the matter. 

Hi XXXXXX, The card network closed your Cash Card dispute claim in your favor. 
Date Status Amount Balance After Last Four Card # Type Statement Description XX/XX/XXXX at XXXX CDT Captured {$46.00} {$0.00} XXXX Card Not Present Purchase XXXX * XX/XX/XXXX at XXXX CDT Captured {$59.00} {$990.00} XXXX Card Not Present Purchase XXXX  * XX/XX/XXXX at XXXX CDT Captured {$5.00} {$990.00} XXXX Card Not Present Purchase XXXX  * The provisional credit previously paid to your Cash App balance is permanent. 
We appreciate your patience and cooperation throughout the dispute claim process. 

XXXXXXX Cash App Support Hello, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient : 1. Tap the Activity tab on your Cash App home screen 2. Select the payment in question and tap Request Refund 3. Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ Cashtags Double-check the recipients phone number or email for typos To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Best, XXXXXXXX Cash App Support
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. On XX/XX/year>, an account appeared on my credit report for a debt of {$230.00}, and again on XX/XX/year>, for {$310.00}. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Additionally, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Furthermore, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete. 

It has come to my attention that this account has been reported multiple times for different amounts without proper validation. The debt collector has refused to cease all communications despite my notifications, which raises serious concerns about compliance with these laws. 

I request that your office investigate this matter and take appropriate action to ensure my rights are protected.
Product: Checking or savings account

On XX/XX/year>, JPMogran chase bank sent me an email telling me that my bank account was about to be closed without informing me of any reason, I then dialed the bank 's customer service number to inquire about the situation and was told by the customer service representative that he could not tell me the exact reason why the account was being closed but that I could go to the nearest branch to withdraw my remaining balance, whereupon I went to the nearest branch and was told that since the account was restricted and not yet officially closed so they can not issue my balance. I was told that the account would be officially closed on XX/XX/XXXX and that the bank would send a check with my remaining balance to my address on file after the account was officially closed. On XX/XX/XXXX, which was a week after my account was officially closed, as my college was about to start, I needed the balance in my account urgently to pay my tuition otherwise I would not be able to attend my school classes and risk being suspended due to non-payment of my tuition, so I went to branch again and was told that the check might not arrive in such a short time as XXXX week and to wait for a few more days, so I continued to wait. I went to the branch again on XX/XX/XXXX, and the staff helped me to dial the number of the department in charge, and told me that the money was under investigation and could not be released, and then I went to the bank twice, and got the same result every time : my balance was still under investigation. Until today, XX/XX/XXXX, I still have not received my balance, this kind of excuses from the bank and not taking into account the actual situation of the customer and withholding my balance for no reason has had a serious impact on my life, I have been warned by my landlord that I will be evicted due to my inability to pay my rent on time and I have been fined, and my school will be starting on XX/XX/XXXX, and if I can't pay my tuition by then, I will not be able to attend my classes and risk being suspended. I hope cfpb to help me communicate effectively with chase staff to return my account balance to me to avoid the risk of eviction and suspension from school!
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I have made an online {$1000.00} transfer from my checking account at Bank of America ( BofA ) to my checking account at XXXX XXXX ( XXXX ) using XXXX XXXX via my registered email address. The funds were debited the same day and never credited to my checking account at XXXX. I filed the claim with the BofA and waited 45 calendar days for them to complete investigation. As of today I'm still looking for my {$1000.00}. Ireceived a letter from BofA stating that they could not locate funds and advised me to reach out to XXXX. I have called XXXX and XXXX and both of them referred me back to BofA. Dead End! It looks like between Bank of America, XXXX and XXXX XXXX no one wants to be responsible for what happened. 
To me it is a lot of money and I'm not letting it go until found.
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card or prepaid card

Applied for Chase amazon visa in XX/XX/2021. I never received the credit card. I was unable to create an account to pay the bill because I need the credit card number to create and account and I had never received the card. I called Chase and gave them a different address. Again, the second card was also not received. I have a two line address as i utilize a po box . Unfortunately Chase 's system is so antiquated that it can not produce a statement with a two line address. As you can see from the attached that they have both lines of my address but only one line was utilized each time.

I called chase again and they said the second card had been returned. I verifies the correct address and asked them to send me statements as I was unwilling to make payment until I could conform that the charges on the statement were indeed mine and not fraudulent. This is a perfectly reasonable expectation.

The credit card company should be competent enough to provide me a statement before expecting payment. Chase filed a negative report with the credit bureau alleging late payment. Due to Chases incompetence i was unable to pay the balance on the card. Case has said that USPS says my address ( es ) are not valid. The address is valid. They way Chase entered the address is not valid. As you can see from the attached they have the correct address they are just unable to use both lines of the address. The correct address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Both lines need to be utilized in order to ensure delivery. Again, the attached proves that Chase has both lines of the address they are just unable to competently complete my address in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a number of unauthorized inquiries and credit acceptance account, green dot I have notified the bureaus multiple times of these accounts.
Product: Checking or savings account

I opened a checking account with Truist Bank because they sent me an offer to open a checking account and receive a bonus. I followed all the steps and opened the account initially on XX/XX/2023. I had to deposit {$50.00} to open the account, and I transferred this amount to the new Truist account. A few days later, on XX/XX/XXXX, I was locked out of my Truist account. I called customer service and they had closed the account with no warning or notice. I asked to get my {$50.00} deposit back, and the agent was unhelpful and did not process or escalate the issue. If they closed the account without telling me, they should refund the deposit I made.
Product: Credit reporting or other personal consumer reports

Under the Consumer Protection laws my right to privacy has been violated I sent dispute letters to Equifax and they still have not removed the accounts from my credit report
Product: Credit reporting

Acknowledged as a victim of massive identity theft in 2015 by the Internal Revenue Service. My case warranted me involving the FBI and Internal Revenue Service. 
Despite me providing Transunion and Experian with documentation from the Federal government and additional XXXX pages of proof regarding fraudulent accounts they continue to allow the creditors to report fraudulent information. Specifically of concern XXXX XXXX XXXX. I have provided information that this is my mother 's account. Sending the Registration, and Insurance documents. XXXX providing information that this car is garaged at her home address " a senior housing complex '' XXXX continues to report that I am a cosigner on this account the most compelling evidence, which hyundai would be unaware of, is that I am a victim of identity theft which left me unable to obtain any type of loan. My credit score being XXXX left main financially and economically paralyzed. I am devastated by what XXXX XXXX XXXX has done after me being a victim of identity theft I have been revitalized by XXXX XXXX XXXX. This is my mother 's car. I did pay this account to help my mother which was my prerogative. I did not authorize XXXX XXXX XXXX to keep my information in their system. XXXX XXXX XXXX continues to list me as a co signer on this account which is mind boggling. More disturbing is transunion has the factual information that this is not my account. The reckless and destructive reporting by XXXX XXXX XXXX to the credit bureau is beyond comprehension. I did make payments on this account for my mother 's car. At no point in time did I allow XXXX XXXX XXXX to keep my information on file. I have found out XX/XX/XXXX they have used my banking information, which was not to be stored in their system, to take an unauthorized payment out of my account. XXXX XXXX XXXX can not substantiate a co signer on this account .There is no supporting documentation stating I am a cosigner XXXX deleted XXXX XXXX XXXX XXXX from my account however I have been disputing this with XXXX and TransUnion for a year. Being a victim of massive identity theft and fraud and dealing with the credit bureaus actions has affected me in a way that I can not even begin to express. Dealing with the credit reporting agencies is being subjected to continued abuse for me. It is unfathomable, beyond comprehension. This is XXXX account. Equifax removed XXXX accounts. Experian is still reporting a federal tax lien which the Internal Revenue Service found me not liable for. The credit bureaus have all of this information. The government does n't hold me responsible. I should not be subject to more abuse by the credit reporting agencies. These accounts need to be taken off my report as soon as possible. I have been left in financial ruins. A single mother of XXXX XXXX children. I 've been left economically and financially paralyzed. Thank you in advance for your time.
Product: Checking or savings account

Hello, I opened a checking account with citibank last month, made an opening deposit of {$30000.00} from my XXXX money market acount for a {$400.00} bonus promotion. About 2 weeks later I got a notification from citibank that they had closed my account and that I would be receiving a letter in the mail with the reason why. It has been almost a month since then and I have received no letter. I ended up going into the branch and they told me the account was closed due to fraud. There has been zero fraud in my account and I even showed the citi banker the transfer that came out from my XXXX account to fund my new citibank checking account. Citi is now refusing to give me the money back and I fulfilled the terms of the promotion as well so I am also demanding the {$400.00} bonus that is due to me for depositing the {$30000.00}. There was no fraud in my account, I have used this XXXX savings account for almost a year now and have had no issues with any other bank. Please get this resolved with Citi, they are thieves. Everyone I speak to at Citi customer service hangs up on me. 

Thank you, XXXX XXXX
Product: Mortgage

Im XXXX  XXXXXXXX XXXX XXXX  and requested SCRA from the Louisiana state law to be applied to my loan and was told it doesnt apply. XXXX XXXX XXXX XXXXXXXX But the law states that it does and my rate should be lowered to 6 %.
Product: Credit card or prepaid card

I've been using care credit card now for well over a year and they say they dont charge you interest on using the card until after a 6 month deferment on using the card for paying for vet care, I've been experiencing them charging me outrageous interest rates that I was understood to be capped by the federal government. I've questioned them over and over and they still continue overcharging me interest, I owe around 6800.00 and by their estimate with interest I'd be paying them well over 20,000. There is something seriously wrong with this company and the interest rates they are charging me, if you all cant fix this and do something about this I will have to file bankruptcy. the last time wasXX/XX/2020 I had two purchases that were ending there promotional phase with no interest, the purchases were over 1000 dollars and they charged me {$610.00} just in interest on this. Please find out what is going on with care credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/ReportedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet updating a closed account. Nelnet
just changed the balance on an account that has been closed since XX/XX/2003. 

This account has past the statue of limitation and needs to be deleted. 
How can I be 120 days late when the account never had a 30 day late. 
How can the account have a XXXX   balance and a High balance of XXXX This is a clear violation of my rights. Please see attachment.
Product: Credit card or prepaid card

American Express advertises its " Apply with Confidence '' feature on its website. It states " During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted. '' I decided to try out this feature on XX/XX/XXXX  for XXXX XXXX XXXX. Instead of getting an answer on whether I will be approved or not, the website informed me that further information is needed. I then thought that someone from AMEX will reach out to me to gather more information necessary for this " pre-approval '' status. I never gave my full permission to process or complete the application at that time. Then, after a few days, I found out that the card is being shipped to my address. I immediately called AMEX to find out what happened and never got a satisfactory answer on why the card was approved. Nevertheless, I was able to cancel it right away and the representative also reassured me that I should be eligible for the bonus offer when I do apply fully for the card next time. Since then, I have been trying to apply for the card with the bonus offer, referencing this incident, but only got the message that this is now a reapplication and will no longer be eligible for any offer. I explained the situation multiple times to numerous customer representatives over the last 3 months and got no resolution to it. By wrongly approving for a credit card that I never fully applied for, it not only affected my credit score by processing the application but it also reduced the credit amount on one of my credit cards as a part of the approval process. I feel that their " Apply with Confidence '' feature was simply a bait which they used to collect personal information of the customers. AMEX used the feature inappropriately to collect my information to process the application all the way through without being given an option to " receive an approval and choose to accept the card '' as it advertises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my chexsystems report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX submitted several request to dispute several old and outdated items on my credit report, and today. XX/XX/year>, I received the results of those dispute,???, ( something is clearly not right/accurate )??, to receive results so quickly, then I discovered these so- called results are automated/computer /generated, no one actually investigated the disputes in such a very short amount of time???, how could an investigation only take one day, less than 24 hours to complete????, this is really not right and unfair to the consumer, so nothing was actually investigated.!!!!, it's just all computer generated!!, this is also unfair business practices on Equifax 's part, just to feed something/disputes into a computer and then claims results are completed within 24 hours,????, there is no actual live person investigating disputes. Me, as a consumer, expects my disputes to be performed and investigated by a real/live person, thoroughly and accurate, Equifax has had all sorts of issues and complaints and unfair business practices, it seems as though with these computer generated results, it's just a quick fix or quicker way to falsely send out quick results of disputes, when no one has not even reviewed the disputes. Equifax is continuing to fail consumers. I am hoping this complaint is really going to get investigated by CFPB with favorable/fair results and NOT just send me computer generated results. 1
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. Experian, XXXX  and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I took out a small loan in XXXX after a car accident that I was not at fault but it prevented me from working ; the loan company NC Financial Solutions stated that I would be able to pay back this amount overtime inurnments. During my signee I went into detail about a legal tort that I already had in place with XXXXXXXX XXXX XXXX XXXX  service and how'd be paying them back with these funds. Things changed and in XXXX Net Credit aggressively go involved with that tort nd in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX  XXXX served me with legal papers filed in XXXX XXXX. They paper work made it seem as though this debit was clear and when I finally got paid out from the XXXXXXXX XXXX XXXXXXXX it was substantially less because it was the remaining funds. 

Now, I'm getting new letters from lawyers saying that NC Financial Solutions of XXXX, XXXX is now getting XXXX XXXX, XXXX to file a law suit against me in XXXX XXXX. Surely, thus has to be double dipping. Thank you kindly for your attention and time regarding this matter. Shalom Truly, XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing Inc. keeps trying to collect a debt from me that is not mine and was not authorized by me to open and account and I don't live at the residence where the cable was installed at. I have asked them to remove me from collections and remove the credit reporting from all 3 credit bureaus as the debt is not mine and it was not authorized by me. Please have them remove this ASAP