23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, I received a fraudulent debit card from CashApp. I did not authorize or set up this account, so I immediately called CashApp and reported it as Identity Theft. The CashApp employees I spoke with repeatedly hung up on me and did not take this issue seriously. The first woman I connected with actually made me think that CashApp was a fraudulent company itself because she was so unprofessional, rude, and terse. Finally, someone from CashApp emailed me a link where I uploaded photos of the front and back of the debit card I received, telling me they needed this info to close the account. 

I continued to try to contact CashApp for confirmation that the account had been closed as no one from CashApp reached out to me with this confirmation. 

On XX/XX/, I called and spoke with 3 different people who all hung up on me. I spoke with " XXXX '' who gave me the runaround and then submitted another complaint to the fraud department. He kept misunderstanding and misstating information I'd given him ( it almost seemed like he was doing it on purpose to frustrate or confuse me ). He gave me no information of value and wasn't able to tell me any updates about the account. He refused to transfer me to a supervisor or the Fraud Dept. He wouldn't listen to my concerns or needs and then hung up on me. 

On XX/XX/2024, I spoke with " XXXX '' who was unable to provide any information and wasn't able to confirm the account had been closed. She hung up on me. I called back and spoke with " XXXX  '' who also treated me poorly and refused to send me to a supervisor when requested. He repeatedly spoke over me, ignored my requests, and proceeded to hang up on me while I begged him to not hang up. 

The CashApp employees I have spoken to have all been uninformed, unhelpful, rude, hard to understand, unprofessional, and haven't been able to give me any useful or relevant information. It is as if none of the employees were informed about proper procedures or protocols and were taught to disregard all customer complaints. It feels like this issue is never going to get resolved as it has been a month since I reported this fraud and no one has done anything about it. It is actually shocking this company is allowed to operate. I am so annoyed and disappointed in this behavior, treatment, and ongoing incident. This should have never happened, and at the very least, once it did happen, it should have been something that was easier to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Product: Credit reporting or other personal consumer reports

This complaint is in regards to an unauthorized inquiry, which was made, using my personal information. The company involved in this action is MICROBILT located at XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. They illegal utilized my social security number with which was obtained by XXXX XXXX XXXX who I have never provided them my personal information. I am not in debt with either company nor have I ever done any business with them. Court records will show no outstanding dept with XXXX XXXX XXXX or any clients of theirs. Therefore, the utilization of me personal information was unauthorized and illegal act. 

Mircrobilt filed to unauthorized HARD INQUIRIES On : - XX/XX/XXXX ( MICROBILT ) Requested by XXXX XXXX XXXX XXXX - XX/XX/XXXX ( MICROBILT ) Requested by XXXX XXXX XXXX XXXX XX/XX/XXXX, I mailed a NOTICE TO CEASE & DESIST OF FRAUD ATTEMPT AND UNAUTHORIZED USE OF SOCIAL SECURITY via certified mail in which MICROBILT have received. Within this letter I demanded them to refrain from any further illegal use of my personal information. A response was required in which they have neglected all of my concerns. I reached out to the company a couple of times and they stated the situation was being handled. I verified my information with the necessary requirements but they insisted on demanding more information from me. I first spoke with a representative who refused to give me their name. She stated that she would update the system by submitting a " Fraud File to Delete Inquiry ''. I asked for confirmation that this action took place and she insisted on demanding more personal information in order to receive confirmation. She began to become aggressive and overly demanding and as I requested to speak to a supervisor, she transferred me to another rep that ultimately disconnected the call. All attempts to rectify this matter have failed as every representative of MICROBILT were unprofessional and refused to answer any questions. This is not the first time I heard of this company authorizing inquiries and committing fraud, as there are several reports online. I asked MICROBILT to immediately updates the Credit Bureaus that the Inquiry was fraudulent and unauthorized or I will file a legal suit. This is my last attempt to handle this matter through the Consumer Finance Protection Bureau as they have already received my previous letter, which is also attached with this complaint. Once again I did not make the inquiry or authorize MICROBILT to utilize my personal information. After such action is taking place I also request that this company Cease & Desist any further contact to me. 

( SEE ATTACHMENT FOR FURTHER DETAILS )
Product: Credit card or prepaid card

Bank of America will not approve an secured card of {$2000.00} deposit graduation to unsecured card by refunding my deposit after over one year of use with good standing. They claim I have a history of delinquency, recent trend in balance, low relative payments to balance ratio ... I have consistently made on time payments greater than the minimum since opening the account and currently have had a XXXX  balance for over two months now. The claims of reasons for rejecting my request are baseless and I believe discrimination is at okay considering the score used was a XXXX. I have request this card update at least 3 times and have been given false reasons for the reject every single time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against all 3 Credit bureaus, XXXX, XXXX and Equifax. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; XXXX XXXX 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 3. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 6. XXXX XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 8. XXXX XXXX XXXX XX/XX/2022 9. XXXX XXXX XXXXXX/XX/2022 10. XXXX XXXX XX/XX/2022 11. XXXX XXXX  XX/XX/2022 12 XXXX XXXX XX/XX/2022 13. XXXX XXXX XXXX XXXXXXXX XXXX 14. XXXX XXXX XXXXXX/XX/2022 15. XXXX XXXX XXXX XX/XX/2022 16. XXXX XXXX XX/XX/2022 17. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

SunTrust mortgage did willfully and wrongly violate the rights of the Service member and protected spouse after they had invoked SCRA protection. This violation of Federal law by SunTrust has caused irreparable financial harm to the couple. 
Under the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1 518. Exercise of rights under Act not to affect certain future financial transactions [ Sec. 108 ] Item 1, Item 3 and Item 5. 
They have also violated FDIC Rules, FDIC Compliance Examination Manual XXXX XXXX Page V11.3, Adverse Action An adverse report relating to the creditworthiness of the servicemember by or to a consumer reporting agency ;. 
SunTrust has reported to the three credit reporting agencies that for three consecutive months the mortgage payments were greater than 30 days late. 
Both documents protect the Service member and covered spouse from adverse actions by the creditor. Filing a report of three consecutive late payments greater than 30 days sends a strong message to future creditors these individuals are horrible credit risk. 
Attached is a brief from XXXX affirming the same, no adverse reports should be made while under SCRA protection. 
It is also very coincidental that this adverse action was posted at the same time a written request was made to remove PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

On XX/XX/21 I sent Lvnv Funding LLC a debt validation letter certified. They received it on XX/XX/21. I received two separate envelopes, letters dated for XX/XX/21, neither containing a contract with my signature. On XX/XX/21 I sent Lvnv Funding a failure to validate letter certified. They received it on XX/XX/21. I received another letter from Resurgent Capital Services dated XX/XX/21. It was not a contract containing my signature only a bill.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX 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 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 proce 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 seek appropriate for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>1974 ( soc XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied. 

The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment. 

I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment. 

The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue. 

Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my report are invalid as they werent authorized. Remove them according to 15 USC 16c-2.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

square is a company owned by Block , Inc . 

My square account received an email from the square platform in XXXX! My square account was deactivated and I was unable to pay the balance in my account for 90 days, and the account balance was transferred to my bank account within 1-2 business days after the 90 days were completed!

As of now, I still have not received my due funds and square has not released the due funds in my account! 

I need to get my account back! That's all, square can continue to deactivate my account after I complete the payment!
Product: Money transfer, virtual currency, or money service

I requested that my PayPal account be closed and that my checking account and credit card information be deleted immediately. PayPal refused to do so. 

I have unauthorized PayPal charges that I disputed with my Bank, which caused PayPal to restrict my account. PayPal wants me to jump through hoops to " work on the restrictions '' and unblock my account before I close it. 

I refuse to upload my private information such as ID and bank and credit card statements. I simply want PayPal to close my account and delete all my personal information effective immediately.
Product: Credit reporting or other personal consumer reports

This account does not belong to me. I have disputed this account before and it was not removed.
Product: Debt collection

On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. 

Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. 

On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. 

As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX  XXXX  Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.
Product: Debt collection

I am filing a complaint cause I have already notified Paramount Recovery systems on several occasions that the XXXX collections they have in their office they are collecting for Sterling emergency services account XXXX and XXXX I have let them Know and they continue to report account.
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer XXXX $ at XX/XX/XXXX and XX/XX/450 $ by debit card, they say I can make a chargeback before 60 days, but I request it, they denied
Product: Money transfer, virtual currency, or money service

Hi My complaint is against Wise ( formerly known as Transferwise ) Membership number XXXX Transaction Number : XXXX I have made my first transaction with Wise on XX/XX/2021 and the transaction failed. The payment was XXXX rupees ( XXXX $ ). they promised to refund it but right now its 38 days. 
Wise is not responding to my emails or any tweets. I need help to recover my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that a XXXX account with SYNCB was opened fraudulently. On 2019 I got noticed that I might be sued and did not know why when I noticed multiple accounts were opened fraudulent. I have filed a police report and advised all creditors. They did identify that I am not responsible for it and then account was sold to a different creditor and they attempted to collect in debt and threatened to sue me. They have received all documents from me and since then have removed it from XXXX  credit reports but not on trans union or XXXX. Now thats with the other collection agency they will not update reports since it was original creditor synchrony removed it from XXXX  they have to do the others as well, but when I contact synchrony they tell me to call collection agency. I have exhausted both ends and getting run around from both. They did agree if fraud as they told me that XXXX was limit but there is a balance with charges of over XXXX showing in my report. This is not mine and I cant get either company to remove from credit reports. Please help.