23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I investigated my report and noticed unauthorized inquiries disputed and asked for the to be removed numerous times and numerous disputes for the following inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent several complaints and letters to Blitt & Gaines, P.C law firm and they have refused to send me anything that I have asked for. The only thing they have sent me is credit card statements but thats not what I asked for. I asked that they provide The affidavit of Corporate Authority ( Who from the board of directors office appointed Blitt & Gaines, P.C to collect on behalf of XXXX  XXXX, XXXX. )? I also asked for any type of proof such as a bond number, license or anything of proof showing that they can collect debt in Missouri and so I did my own research and can not find the attorney that is sending me letters from the law firm. I went on the state bar site and was unable to pull-up this attorney that is listed on the letters they are sending me. I am aware of the following and at this point feel like I have been violated under the FDCPA. 
Section 807 ( 4 ) : Unfair Practices : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Attempting to collect a debt without the required licensing in your state could be considered an unfair practice.

Section 807 ( 5 ) : Threats of Illegal Action : Debt collectors may not threaten to take any action that can not legally be taken or that is not intended to be taken. Threatening to pursue legal action in a state where they are not licensed to practice law or collect debts could violate this provision.

Section 807 ( 10 ) : Use of False Representation or Deceptive Means to Collect a Debt : Debt collectors may not use any false representation or deceptive means to collect or attempt to collect any debt. Misrepresenting their authority to collect the debt in your state could be a violation of this provision.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I filled Chapter XXXX bankruptcy in XX/XX/XXXX and 7 years have passed. By law you MUST remove the Credit card account from Transunion credit report. You have refused to remove the account and this is why I MUST fail a complaint. See info : Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1800.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$10000.00} Payment Status Payment Plan Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks Chapter XXXX ; wage earner plan account XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citicards has filed inquires that were not made by me and sent to XXXX on the following dates -- - > XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to citi plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I called my credit bureau asking to remove old addresses because I dont live there anymore and some I didnt live there at all it would be just a family members house. A couple weeks later I got an update that it hasnt been resolved.
Product: Consumer Loan

1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the " VIN '' number of the vehicle i was interested in and finalize the sale. 

4. As required by capital ones process and " navigator '' system i entered the " VIN '' into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached " XXXX capital one approval '' email. 

5.The dealer XXXX XXXX was listed on capital ones website as a " preferred dealer '', however XXXX ford did verify my capital one approval etc however they was n't listed on capital one 's end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 

6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 

7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle " was commercial " and also " they dont finance vehicles over XXXX passengers '' to note, the vehicle was " approved '' by their " navigator '' system by giving me the rate and terms it did not state on the system that the vehicle was n't approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n't finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 

8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

According to XXXX this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$260.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer, XXXX XXXX submitted the attached dispute to TransUnion on XXXX XX/XX/2022. Upon review of my rights and reports I submitted a dispute to TransUnion requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my Right to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, Equifax, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Product: Credit card

I'm receiving emails through my work email stating that I have been approved for a Capital One credit card in the name of XXXX XXXX My name is XXXX XXXX and I am the XXXX. XXXX at XXXX XXXX XXXX XXXX XXXX I do not know how this person got my email address or anything but I do not want it effecting my personal credit because this is a fraudulent attempt on me
Product: Checking or savings account

I called the Bank and spoke to one of their reps. Her name was XXXX. I explained that I needed my bank statement from the date the account was opened till the closing date, but she will not give them to me. Saying she can only go as far back as seven years. 

However, I need the complete statement to reconcile the information on my credit reports.
Product: Credit reporting

I have several unauthorized inquiries reporting to my Equifax Credit Report. I Have disputed these Items multiple times ( the last disputes dated XXXX/XXXX/XXXX according to Equifax and some dating back to XXXX ) with no response to my request showing that these inquiries have been authorized by me. What I receive is not validation that I actually authorized the inquiries but and updated credit report stating " We have received the inquiry information. The results are inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. " I contacted each creditor and Equifax simultaneously at the time I disputed the information and have received no response. I requested to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If there was no proof I requested that the inquiries be removed immediately. I have yet to receive a response to my requested from Equifax or the original creditors. This continues to negatively impact my overall credit and I would like the unauthorized inquires removed immediately. 
Creditor Contact Information. 
XXXX XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The info that was sent to me by the company I had it already. I ask them to help me from XX/XX/XXXX to XX/XX/XXXX. My solar panels stop working the end of XXXX of XXXX and I been talking to the loan manager about my investment that's under warranty. Brio had installed solar panels on my home in XX/XX/XXXX. They stop working in XX/XX/XXXX. I been struggling with high power bills this XXXX, XXXX and XXXX, XX/XX/XXXX. These months my bill is higher than my solar panels, cause my home has baseboard heaters. I stop making my payments in XXXX, XXXX in XXXX. I started back making my payments in XX/XX/XXXX and XXXX. I had to pay another company over {$400.00} dollars to come out and help me find out my problem. That was back in XX/XX/XXXX. I sent an email of all my transactions like emails and every thing to XXXX so that can put it in my file. I also dispute my investment so I can get my product that I am investing to them also. I been in touch with a lawyer that I can't afford. The North Carolina XXXX referral me. He's to expensive for all the bill and foster kid that I get in from time to time. I haven't heard back from the company yet. XXXX should pay me back for the months my solar panels haven't worked. This is a 25 year investment and my contract say so.. XXXX is wanting to put a lien on my home and take me to court which I go so they can see what I am going though. Who protect the consumer when a product don't do what it should do and you pay for something that don't work. It took me 8 months to find a installer that don't service my area in XXXX. It don't make sense to me.. Please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion placed a collections XXXX XXXX on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.
Product: Checking or savings account

XX/XX/XXXX : XXXX XXXX : XXXX to set up account. He assured me that even though the wrong E Mail and phone was on some forms, he would correct them once the account was open. 
XX/XX/XXXX : Called XXXX banking. : XXXX XXXX, including XXXX min hold. Assured phone and XXXX mail was corrected. 
XX/XX/XXXX : Called XXXX banking : XXXX XXXX. XXXX said she could not do anything without speaking to XXXX. She said she called XXXX and would call me back. 
XX/XX/XXXX : Called XXXX banking : XXXX Minutesincluding a XXXX and XXXX hold. Put me on hold for someone else. Another XXXX min hold. XXXX spent XXXX min. could not help. Said he notes would be seen my next helper. Transferred me to Web Support. Norm said he could not read XXXX notes. Started over. He could not help. Escalated to XXXX operations center escalation supervisor. Will hear from them in XXXX days. 
XX/XX/XXXX : XXXX XXXX. Called branch manager who said sarcastically Ive heard about you. She had no idea why this was happening. Called her supervisor. Spoke to him the next day. 
XX/XX/XXXX : XXXX minutes. called online banking. She said by bank rules no information can be changed for the first XXXX of a new account. I should call back on XX/XX/XXXX. 
XX/XX/XXXX : XXXX min. Call from bank manager. She was wanting to get XXXX Banking on a three-way call. When I explained the phone call, I just finished, she said, she never heard of such a rule. Online banking hung up before she could get me on the line. She blamed me for this say If you hadnt been ranting. She agreed to call me on the XXXX and personally walk me through the process of updating my phone and XXXX mail. 
XX/XX/XXXX : XXXX XXXX. called customer service. she tried to help. Transferred me to XXXX XXXX XXXX. XXXX could not help, either. Was sending it to XXXX XXXX Department. Will hear back in XXXX days. Escalation Case Number XXXX. 
XX/XX/XXXX : XXXX Minutes : called XXXX. XXXX said he was with the XXXX XXXX Department. I gave him the case number, he paused, said hold a moment. He transferred me to a general number, that started the process from scratch, asking why I called, XXXX. After XXXX more minutes I got XXXX. He reported the XXXX XXXX Department is behind the scenes as of last month and he has no way to contacting them or transfer me. He said he was going to talk to his manager. He went away and came back after 17 minutes on hold to say, the manager was reviewing the case and it shouldnt be too much longer. I asked to speak to the manager. He transferred me to XXXX, who said he was available want awaiting my call. XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX : XXXX Minutes. called XXXX. Chrisclaimed he was a different XXXX. On hold to talk to a supervisor. XXXX was not available, but XXXX assured me that XXXX will call within XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact all 3 credit bureaus on XX/XX/XXXX of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Product: Credit card

On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up, accounrding to my statement, a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should, however, be compelled to pay any money owed to me under the agreement.
Product: Checking or savings account

Ive already submitted multiple complaints about citi bank they are telling me in response no account with my name. Ive called for the last 4 weeks to get my funds sent to me. XXXX in my account and Ive got evicted from my apartment. Lost my car and job. Everytime I call them they Hangup on me and tell me I will get a check when they are done
Product: Debt collection

I'm really not sure what is being charged on my credit but I know for sure I don't owe anything!! I've been trying to fix this and all I get is put on hold for hours ... ....
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal laws that protect consumers from fraud and financial harm. These failures violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Despite their obligation to implement reasonable security measures to protect customer accounts, my account was left vulnerable and unprotected, which resulted in unauthorized transactions.

Moreover, their dispute resolution process was unfair, deceptive, and noncompliant with the error resolution requirements under the EFTA and Regulation E. Regulation E mandates that financial institutions must investigate and resolve errors involving electronic fund transfers promptly, typically within 10 business days. Cash App failed to meet these requirements by either not conducting a thorough investigation or by dismissing my claim without adequate justification.

Under the EFTA and Regulation E, consumers are entitled to dispute unauthorized electronic fund transfers and seek reimbursement when fraud is reported in a timely manner. I notified Cash App promptly about the fraudulent activity on my account and provided all necessary details to support my claim. Despite this, Cash App has failed to provide the reimbursement I am entitled to under the law.

These actions have caused significant financial loss and inconvenience. I request the following : Immediate reimbursement for the unauthorized transactions, as required under the EFTA and Regulation E.

A detailed explanation of their investigation process and justification for their decision.

Implementation of stronger fraud prevention measures to ensure other consumers are not similarly affected.

I trust that regulatory authorities will investigate Cash App 's practices to ensure compliance with federal laws and protect consumers from further harm