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

Cash app decided to keep my money which was {$150.00} that was giving to me from my mom since XXXX of XXXX. I have called numerous of times for to get my money off the old cash app card that I havent used in 6 years. Cash app told me that they can not get the money off the card and will not reimburse me. They said themoney is not on the card but they do see the transaction that was made. Cash app representative told me that the money will stay on the card until I find out the informations about the old card from 6 years ago. Also cash app failed to take timely matters to prevent fraud. These actions have made me took a lot of financial loss and I seek appropriate compensation for these violations. I have left my account vulnerable and and unprotected.
Product: Credit reporting or other personal consumer reports

I am sending a follow up compliant to the XXXX XXXX for the removal of remaining fraudulent inquiries, and an urgent request of inquiry removal to the Equifax Credit Bureau. I need the Equifax Bureau to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the XXXX and Equifax Credit Bureaus to remove these inquiries listed in these compliant : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 process was unfair and deceptive as they did not comply with on or resolution requirements under the electric fund transfer act and regulation E. These activities have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I opened a joint savings account with my husband on XX/XX/XXXX. In the ensuing weeks, I made deposits totaling {$150000.00} as follows : XX/XX/XXXX XXXX. 
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Let me reiterate that this is a savings account, NOT a CD. 

I reviewed the banks terms and conditions and there is no language restricting the withdrawal of funds from the account once the funds have cleared. 

On XX/XX/XXXX, I planned to withdraw funds from the account electronically to my checking account at XXXX XXXX XXXX XXXX XXXX. 

To my surprise, I found out that the bank had placed a {$5000.00} daily withdrawal limit on my account. Since savings accounts are subject to a 6 withdrawal per month limit in order to avoid penalties, this means that It would take 5 months to move all the money out of my account, at the rate of {$30000.00} per month. 

I then contacted Customer Service and asked that my daily withdrawal limit be increased to {$10000.00}. They denied the request on the basis that the funds would need to be in the account for 90 days. This is an arbitrary restriction that has never been disclosed upfront. 

XXXX has re-named itself as XXXX XXXX and has issued new disclosurea governing the account. I checked them yesterday and there is no language restricting the size of a withdrawal that a customer may make. 

I am familiar with withrawal limits because I have hace had accounts with a lot of internet banks, and this is the first bank I have seen that has put a highly restrictive withdrawal limit on a savings account.
Product: Credit card

On XX/XX/2023 I wrote DISCOVER CARD, about the account that is being reported as a charge-off. IRS state any debt over {$600.00} must file XXXX. The debt is filed as income on my tax 's.
Product: Payday loan, title loan, or personal loan

I took a TD Auto Finance loan for 3 years with XXXX XXXX in XX/XX/XXXX. I wanted auto debit, but ended up with having invoice mailed, until bills started arriving on due dates or after due dates in XXXX, after complaining they put on auto debit in XX/XX/XXXX. I thought everything was fine until I received final payment notice in beginning of XX/XX/XXXX where I noticed I was being charged {$260.00} in late fees, I called TD on XX/XX/XXXX and was told I missed my first payment and was getting nowhwere and asked to talk to a supervisor, where I was told there was none working. I finally was called by a so called supervisor on afternoon of XX/XX/XXXX, and he said I closed the acct and reopened it-which made no sense whatso ever and he said I missed a payment and that payment was never made up so I was paying late fees every month. 1. I have never been contacted by anyone about payment missing-why? 2. I put them on auto debit -why was this payment and /or late fees not collected-as they could have done this at anytime. This is a way to increase their bottom line at my expense. On top of this, I mailed them the payoff after talking to my attorney and they cashed my check and took another payment for {$10.00} more than the final bill. Now they have extra money, I want it back and I want all late fees refunded with a letter of apology for their unprofessional business and stating the multiple lates were their error-If a payment was late they had 2 yrs or more to collect and chose not to so they could pile on the late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX   XX/XX/XXXX 6 ) XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX   XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX   XX/XX/XXXX 8 ) XXXX XXXX   XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX   Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX   XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX/XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX/XXXX XX/XX/XXXX 8 ) XXXX   XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Product: Mortgage

My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 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 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XX/XX/2020 I RECEIVED BILL STATMENT FROM RASH CURTIS ASSOCIATES, THE LETTER SHOW I AM IN XXXX XXXX XXXX SERVICES TREATED PET FOR {$270.00}. AT SAME DAY I CALLED THE RASH CURTIS ASSOCIATES I TOLD THIS COMPANY I NEVER FEED A PET AND I NEVER GO TO XXXX XXXX XXXX XXXX TREAT A PET. I REALIZED THAT SOMEONE WAS USING MY NAME TO MAKE EXPENSE SO I IMMEDIATELY GO TO MY LIVE CITY POLICE DEPARTMENT TO REPORT THIS ISSUE, THE XXXX GAVE TO ME REPORT CASE NUMBER, THEN SAME DAY I SENT IT TO RASH CURTIS ASSOCIATES AND EXPLAIN THAT. XXXX XX/XX/2020 I RECEIVED LETTER FROM RASH CURTIS ASSOCIATES AGAIN, THIS COMPANY STILL LET ME PAY THAT BILL STATMENT, I NEVER EXPENSE AND I NEVER USE THAT SERVICE SO I DO NOT PAY IT, ALSO THE LETTER SHOW 'S PHONE NUMBER IS NOT FOR ME I NEVER USE THAT NUMBER. IT WAS NOT LONG I SAW IT ON MY CREDIT REPORT SHOW THIS IS FOR ADVERSE ACCOUNT, PLESE SEE ATTACHED I WILL UPLOAD ALL INFORMATION IN THERE, I HOPE THAT CAN HELP YOU REVIEW MY CASE, THANKS IN ADVANCE!
Product: Debt collection

XXXX is charging us for 4 days rent prior to the move in date for an apartment that we elected not to rent because : 1. Security deposit was tripled during the approval process 2. XXXX reneged on the use of our own washing machine ; the " XXXX '' cycle '' of our washer being critical to the health of our 7 month old, born 3 months premature, 89 days in intensive care, as of the move in date XXXX/XXXX/XXXX. 
3.XXXX required certified checks for security deposit and XXXX months rent, ( impossible to procure prior until Monday, XXXX/XXXX/XXXX ) prior to move in. ( Holiday/Sunday ) 4. Approval to rental application not issued until XXXX/XXXX/XXXX. 
5. Carpet cleaning scheduled XXXX/XXXX/XXXX. 
6. Original move in date was to be XXXX/XXXX/XXXX per XXXX advertisement. Early move in was requested by us, not mandatory.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

The discrepancy in the Date of Last Activity between my Experian and XXXX credit reports constitutes a violation of consumer law under 15 USC 1681 ( e ) ( b ). This law mandates that all information reported by consumer reporting agencies must be accurate and verifiable. The differing dates of last activity on these reports indicate an inconsistency that could impact my creditworthiness and financial standing. It is essential that this discrepancy be promptly investigated to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to maintain the integrity of my credit profile.
Product: Debt collection

First my complaint is not against XXXX XXXX XXXX as documented in your records. But against XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
There was also an error made in having XXXX XXXX begin their records search on XXXX XXXX, 2017 rather that XX/XX/XXXX, 2017XXXX XX/XX/2017. The actual dates that I was a patient at XXXX Hospital. Despite this error, you will see that it has no effect on the outcome of this very serious matter. 
Below you will find the attached timeline of my stay and the events that followed. Each with a documented evidence supporting my argument.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond.

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT.

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.
Product: Bank account or service

Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ Credit Reporting Agency Name ( s ) ] for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with the inaccurate reporting of information on my credit report due to identity theft. The details of my complaint are as follows : Inaccurate Reporting of Identity Theft : My credit report includes a XXXX  XXXX account under the name " XXXX XXXX XXXX. '' My correct name is " XXXX XXXX XXXX. '' This is a clear case of identity theft, and the continued reporting of this account under the wrong name is both damaging and inaccurate. 

Failure to Conduct Timely Investigation : I reported this issue to the credit reporting agencies over 30 days ago, yet they have failed to resolve the matter within the legally required timeframe. Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies must investigate disputes and correct inaccuracies within 30 days.

Unlawful Re-insertion of Disputed Items : After initially removing the disputed items from my credit report, they have been re-inserted without proper notification and justification. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which mandates proper notification before re-inserting any disputed information. 

Lack of Written Consent : I never provided written consent for the reporting of any accounts cited on the identity theft report. According to 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may furnish a consumer report only under specific conditions, including the consumer 's written consent, which in this case, I did not provide. 

Failure to Remove Identity Theft Information within Four Days : According to 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate proof of the identity theft. Despite providing the necessary documentation, the agencies have not complied with this requirement.

Denial of Credit : I was denied credit because of the inaccurate XXXX XXXX credit card account. According to 15 U.S.C. 1681m, users of consumer reports are required to provide consumers with notice when adverse actions are taken based on information in a consumer report. This denial of credit has caused me significant harm.
Product: Debt collection

XX/XX/XXXX received a letter from my place of business ( a garnishhe disclosure ) that XXXX XXXX XXXX was garnishing my wages I spoke to XXXX XXXX XXXX they stated it was from XXXX XXXX originally. They stated it was from milestone credit card for {$1000.00}. 

I then called milestone credit card company. I was told this account was sold to XXXX but was bought back in XXXX because the account was closed due to fraud and was taking off my credit report and the account was closed. 

The law office of velo law said they served me in XXXX. Which I was not served for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 3 requests to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over 7 years, and I have never had a late payment or any issues with my account.

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score.

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home.

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

Navy Federal Credit Union violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. 

I demand to see verifiable and valid proof of documents an original, authentic, genuine Consumer contract, evidence, obligation, pledge, promise, record with my Signature on it you have on file, record of the accounts listed below. Your failure or, nonperformance to verify or, authenticate these accounts has damaged my ability to obtain or, secure credit. Under the FCRA, unverified, or unproven accounts must be removed, expunged and if you are unable to provide me a copy of verifiable, valid proof, you must remove, the accounts listed below. I demand the accounts be verified, documented, and substantiated or removed, expunged immediately. 

RE : Navy Federal Credit Union XXXX XXXX Credit Card XXXX - Acct : # XXXX. Amount {$8900.00} In Pursuant to Title 15, Section 1666 of United States Code. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General mail in a fraudulent or deceitful account or report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been a nightmare experience I wish people, in general, did not have to deal with them at all. The first issue is the " credit boost '' feature. At first, it does work as advertised but after a while it stops working, they made it difficult to update or add bills to the boost feature that hardly ever worked. If you don't update your bills in a timely manner you have to start all over again, I tried to reach customer service numerous times and they were no help they didn't listen to the issues that were stated and or I would receive automated replies that had nothing to do with trying to add utility bills to boost my credit score. The other issue with the boost feature and what they don't tell you is, in the long run, it negatively harms your credit, once you put in your information everything is opened up and falsely indicated that I was late on my bills when I was current. I found this out when I spoke to a Banking lender trying to get a house loan and Experian XXXX XXXX XXXX' as she mentioned is not a legit nor a good way to boost your credit it may temporarily boost it but it does more harm than good. I stopped using XXXX  months ago last year ( 2020 XXXX and Experian is just now removing all the accounts that I added although I haven't used XXXXt in well over a year. I highly recommend not get the XXXX feature it is misleading. 

And finally, my overall experience with Experian is what I like to call bait and switch Experian is the only credit bureau that drops my credit score by XXXX points, then adds XXXX points all in the same day. I keep my credit cards below 10 % utilization, I only have one loan on file that is almost paid off and has been paid off on time for the past four years. It's an XXXX loan. I understand that if I don't pay my credit cards down or use them to the XXXX that impacts my score. The issue is Experian consistently manipulates my credit scores without cause. What doesn't make sense is that if you make your payments on time, and do everything you're supposed to but your credit score could be dropped at any time for no reason is not right. Experian keeps dropping my scores without good reason and it's hurting my chances of getting a house loan and I'm tired of being under the mercy of credit Bureaus that are able to manipulate your scores at any given time and they need to be investigated. I can offer to allow access to my Experian account if need be.