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 consumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifying, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) in regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate Redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm disputing accuracy in XX/XX/year> I was not late XXXX ( XXXXXXXX XXXX XXXX XXXX agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/year> XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to equifax for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX ANYMOREAS OF XX/XX/year> SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I saw that there was fraudulent accounts that were reporting. Please remove these accounts from my report as they are hurting my ability to obtain credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.Dec XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX PLEASE DELETE THESE ACCOUNT FROM ALL THREE NATIONWIDE CONSUMER REPORTING AGENCIES
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to Cash Express in XXXX XXXX Tn to renew the final payment on a {$300.00} signature loan. I was told I could not renew this because they were changing to flex loans. I was assured by the associate that it was the same kind of loan. I had to make a new flex loan and let it pay off the signature loan. Not having a choice I let them do that. I had to make a loan for {$400.00} to pay off the old loan. I ask about payments and due dates. The associate said she could not tell ms those things but I would receive letter in about 60 days giving me that information. After 60 days had  passed and I received no information I went to the office. A new associate told me she did not know why I had not received the letter. I paid {$300.00} on the loan. I went back later an paid {$100.00} more on the loan. I still do not know how much I owe. I have paid {$400.00} on a {$400.00} loan. Time goes by and I still have not received a letter, phone call, or email frrom Cash Express. On about XX/XX/XXXX I receive a final notice before legal action letter from Cash Express saying I owe {$620.00} due byXX/XX/XXXX. It informed me I could get a conformation and itemized detail of my debt. I was waiting for this information when I was served a civil summons onXX/XX/XXXX.I have not received any contact from Cash Express XX/XX/XXXX even though I requested it. XXXX XXXX is the legal council. His phone number i XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as such, I request that all accounts and inquiries mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of fraudulent activity following the breach of my personal information. 
Please block and delete the following accounts, as they were opened or accessed without my consent : Accounts : XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$630.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX  XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$630.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  - XXXX # XXXX - Date Filed : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX. XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, This is my fnal complaint to be filed regarding this matter, I am recording the history of this interaction as a means of protecting others from the improper actions of USAA Investment Group and USAA Insurance Administrative personnel. As detailed in the referenced comaplaints, XXXX Date submitted to CFPB : XX/XX/2018, and # XXXX, Date submitted to CFPB : XX/XX/2018, USAA Investments Servrces did not offer any form of corrective action for the mishandling of my investment account ( undue fees withheld, collection of undue backup withholding, and untimely processing of transactions ). Instead of admitting and correcting their mistakes they retaliatedby closing my account and informing me that they " would not ducuss the matter any further '' ... The account was closed before it was liquidated and to add further insult, they still could not properly perform trades and dispense the funds derived from the trades. The closed account received even more restrictions, my funds were withheld and I was charged a fee once again for their ineptness!!! It took approximately three weeks ( XX/XX/XXXX thru XX/XX/2018 ) to conduct the trade for closing of my account. I was truly amazed that only two ( 2 ) of the employees who handled ACh and Wire transfers actually knew the procedures for completeing the transaction. Thank God for XXXX and XXXX!! 
I am still due funds from USAA ; but, the administrative staff will not acknowledge their errors ... The internet is full of legitimate complaints from military families and consumers regarding similar activity at USAA. What can be done to coerce USAA Investment Group to be more mindful of how they interact with their customers! Afterall, without customers, can a bank survive?
Product: Debt collection

On XX/XX/2023 I founded that my XXXX  bank.accounts were locked for some come to find out its because of a law firm that uses very unethical practices to attempt to collect on something that have no knowledge of. I contact XXXX and they forwarded me to use on the unethical lay form practice s etc. my local bank.accounts are locked at the moment with no access to any.uc.and labor and industry funding that disrupting everything and the law firm knows about it and they continue to play practices like calling me telling me either and my recorded line ask me for my social I tell them that I'm not comfortable and they hang up on me I get bounced back and forth between one voicemail to another voicemail to another voicemail while my account s can't be accessed ... I'd like forward any required XXXX and bank information to have the situation to accessed this a quickly and efficiently as possible... .the law firm is Weltman , Weinberg & Reis Co. , LPA 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: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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 an account without my written instructions. ''
Product: Debt collection

XXXXXXXX XXXX XXXX  bill that's your company says I owe. Can I be sent original contract with a wet signature. 2. The creditor information name address phone number 3. Itemized billing associated with account. 4. Proof of ownership provide proof you are authorized to collect payment and also legal to collect in Wisconsin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX po box XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Product: Credit card

I have been a member since XXXX, and have never received ANY line increase. I have tried numerous times over the years with no success. XXXX was the credit bureau of choice that citibank used to make the determinations. My current XXXX score is XXXX, and yet I'm still being denied. This is a violation of 15 U.S.C. 1602 ( f ), and 15 U.S.C 1 & 2. I have escalated the situation on social media in which the citi bank team reached out to me via XXXX ( XXXX ), email, and a phone call from the XXXX office on XX/XX/XXXX to my knowledge. Unfortunately, I was not able to finish conducting a conversation because my infant son was born XX/XX/XXXX, and is still currently receiving treatment for XXXX in the XXXX. When I am in need of the use of my extended " credit '' there should be no reason I am not able to use it. Citibank also received a lawful payment from me via mail, but was never credited to the account. XXXX XXXX XXXX.
Product: Checking or savings account

I am a XXXX I borrowed emergency money from my pension from the state of NJ in the amount of {$3000.00}. I used the mobile application for bank of america. It said the funds would be available after XXXX XXXX the next day. The deposit was made on XX/XX/2018 so the funds should have been available on Tuesday XX/XX/XXXX. I get another alert the next day saying there was a 10 day hold until XX/XX/XXXX. I immediately called the bank. They said they couldn't stop the transaction or lift the hold. I wanted to know why I was not alerted at the time I deposited the check as to the hold that would be placed on the check and given the opportunity to continue the transaction. I was also told the funds would be available the next day. then to be told it would be 10 days. I have lost so much money. Funds have come back, I have late fees, I could not pay anything. It is a state check it should not have a 10 day hold. I should have been alerted at the time of the deposited and given the opportunity to go deposit the check somewhere else. As to not have anyway to rectify this and to hold on to that money for ten days seems to me severe and unacceptable and false information was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$50000.00} Equifax : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Credit card or prepaid card

I received a pre authorized credit from Capitol One in the mail. To boost my credit score I decided that I would apply XX/XX/18. However, I received an email on XX/XX/18 requesting for me to SEND a COPY of my SS CARD via email, fax, or mail. I do not feel these are safe methods to protect the consumer. Anyone can make a simple error in an email or fax and it goes to the wrong person. Anyone can open someone's mail as this has happened before. I have been a victim of FRAUD in the past and this process scares me. 

The supervisor stated Federal Law requires this. However, were does Federal Law protect us when applications are online and that there is NO safe way to provide the information they are requesting us to send. 

I have no problem providing proof of address through these methods, but effeminately NOT my SS CARD. 

I have spoken to a supervisor XXXX at Capitol One and said that the Federal Government requires that they get this information. I do understand regulations but then there needs to be options to go to a local Capitol One Bank and Present for Visual Verification of the information and that person from the bank can then mark on the application that they verified the information. NO copies should be made to be faxed. 

Not once did say they a had any secured way to provide this information. 

This has lowered my credit score by XXXX points!!!! I am trying to improve it not destroy it.!!! 

Thank You for your time. 

XXXX XXXX VERY CONCERNED CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one bank usa XXXX XXXX capital one XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these inquiries i am unfamiliar with because i never used my credit to apply for anything
Product: Credit card or prepaid card

Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020. 

The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit. 

I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured. 

The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits. 

I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome. 

I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls. 

I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.
Product: Vehicle loan or lease

Porsche Financial will not correct their customer facing website. The balance is incorrect. They also will not provide internet access for me to pay my bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts COAST PROFESSIONAL INC account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018, I received my new Sears Mastercard, number XXXX, in the mail and disputed a charge for {$2200.00}, made at a Sears store in XXXX, California on XX/XX/2018. The dispute was made via telephone. I never received a confirmation of the dispute, so I filed a duplicate dispute on-line the following day. The basis for the dispute was that Sears delivered a non-functional/defective electronically adjustable ergonomic bed-set. The bed-set was purchased to address my physical XXXX. 

Sears Mastercard responded to the dispute with a letter dated XX/XX/2018 ( attached ) requesting additional information. Specifically, The date and method of return, a copy of the return receipt or credit voucher, an explanation and a copy of the merchants refund policy. I replied with my letter dated XX/XX/2018 ( attached ) and I included copies of the receipt/contract which detailed the return policy, salescheck number XXXX, attached. I also included the transaction print-out, salescheck number XXXX, which XXXX ( a store manager ) gave me on XX/XX/2018, when I attempted to return the merchandise to the store in person. That day, XXXX refused the return and instead referred me to the Sears National Customer Relations line XXXX. I subsequently telephoned the line and told XXXX I wanted to immediately return the defective bed-set. She gave me case number XXXX and told me someone would contact me. To date, no one has contacted me. Two other people witnessed my attempts to return the merchandise. 

Sears Mastercard investigated the dispute and reversed the charge, see letter dated XX/XX/2018, attached. Then suddenly and without providing any additional evidence, Sears Mastercard arbitrarily overturned their decision in their letter dated XX/XX/2018, attached. The reason for reinstating the charge was, you did not provide proof that you returned the merchandise to the merchant. Indeed, considering the evidence the only reasonable conclusion is Sears Mastercard did not evaluate the dispute in good faith as required by law and reversed their decision because of their financial symbiotic relationship with Sears. I am therefore, requesting the Consumer Financial Protection Bureau to intervene on my behalf.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Credit card

In XX/XX/XXXX, a merchant charged my Chase Freedom XXXX XXXX XXXX for {$660.00}. This charge was posted on my XXXX statement payable in XXXX. In XX/XX/XXXX ( within 90 days of the statement ), I disputed the charge as being invalid in writing using Chase 's messaging system. Chase never responded to my inquiry. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple follow-up requests. In XXXX XXXX, Chase responded that because the charge was outside of the timeframe ( i.e., the charge was posted on my XXXX statement and it was XXXX ), they will not dispute it. 

In XX/XX/XXXX, I contacted the Chase XXXX XXXX who confirmed that they received my message in XX/XX/XXXX and that they never responded to it. Chase XXXX # XXXX