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

I have had a Cash App account since XXXX. It is rare that I have to dispute transactions with it but it seems like since the pandemic, lots of merchants are being downright ruthless, shady, and FRAUDULENT.

Historically, disputes were a pretty seamless process. There's an option in the app to dispute transactions, of course Cash App recommends trying to resolve these disputes with the merchant directly. I have always done that BEFORE contacting Cash App Support. 

Recently, I had 3 transactions I needed to dispute for varying reasons. Cash App support has been non-responsive and as such, I am handling these disputes with the CFPB. 

2 transactions are from XXXX XXXX XXXX XXXX. I have their mobile app. Several times now I have ordered in the mobile app ( where it charges as soon as you place the order ), and then when I GOT to the restaurant, it was CLOSED. But I had already been charged and the funds have not been refunded. I have had this same issue with XXXX XXXX XXXX XXXX before, but never have I ever been accused by the store manager of lying and making it all up. That's what happened with I tried to handle it directly with the store where the purchase was made. That process was described to Cash App support in vivid detail. 

They have simply stopped responding to my messages about those refunds. 

The other transaction was for a software purchase I made online. It was made on XX/XX/XXXX at XXXX. I was trying to order a software program called XXXX XXXX XXXX XXXX XXXX ). It was a program that claimed to make the process of mounting XXXX XXXX to a XXXX drive easily. I needed to do this to wipe off an old computer and reinstall the operation system so I could sell it. The purchase was supposed to be for a product key that was supposed to UNLOCK the program from the trial mode to the full version. 

The key I was given DID NOT WORK. I emailed their support and they did NOT respond. So I disputed the transaction with Cash App and this time, they did not respond at all. So for clarity, with the XXXXXXXX XXXX XXXX XXXX purchases, they DID respond, but have since stopped responding and my refunds have not been issued. For the XXXX XXXX XXXX purchase, their support has literally not responded AT ALL despite me initiating the dispute process in-app at least 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OFXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Report Number : XXXX Date Generated : XX/XX/year> Subject : Request for Validation of Alleged Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing regarding the alleged debt associated with the above-referenced account. As this matter impacts my creditworthiness and personal information, I am disputing the validity of this debt and formally requesting debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues The information associated with my credit report includes multiple inaccuracies and unverified details. Below is a summary of my correct information and the discrepancies that require immediate attention : Correct Address : XXXX XXXX XXXX, XXXX, IL XXXX Other Address History : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation Request : Please provide the following documentation to validate the alleged debt : A signed agreement or contract proving my obligation to this debt. 
An itemized breakdown of the debt ( principal, interest, fees, etc. ). 
Proof that you are legally authorized to collect this debt on behalf of the original creditor. 
Impact on My Credit Report : If this debt can not be validated, you are instructed to : Cease all collection activity immediately. 
Request the removal of any associated negative information from XXXX, XXXX, and TransUnion. 
Correct or update any inaccurate address, name, or employer information listed on my credit report. 
Legal Considerations Failure to validate this debt within 30 days of receipt of this certified letter will result in legal action under : FDCPA 807 [ 15 U.S.C. 1692e ], for false or misleading representations.

Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( b ) ], for reporting unverifiable or inaccurate information.

I will pursue damages of up to {$5000.00} in small claims court for : Defamation resulting from inaccurate credit reporting.

Negligent enablement of identity fraud.

Violations of consumer protection laws.

Immediate Action Required You are required to : Provide a written response with the requested validation documents. 
Cease all credit reporting and collection activities pending resolution. 
This letter is an effort to resolve the matter amicably and correct inaccuracies. It does not constitute an acknowledgment of the debt or a waiver of any rights. Please direct your response and any questions to my address above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XX/XX/2022 ''
Product: Credit card or prepaid card

I am writing to file a complaint against the original creditor Walmart Mastercard/XXXX  ( XXXX ) and Capital Credit Card. The reason I am filing this complaint is that the bank closed my account without notice. In XXXX Capital One bought XXXX. Before this occurred, Walmart Sync decided to cut my credit limit from {$8000.00} to just above the balance due. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount due. Accordingly, I mailed the minimum payment to XXXX before the due date ; however, XXXX deposited the check 1-day after the due date. Notwithstanding, I asked XXXX Customer Service if they could waive the late fee for that month. XXXX Customer Service agreed to waive the late fee with a confirmation receipt submitted via chat. The following month I received my usual monthly statement from XXXX. I expected to see the late fee removed, even though XXXX confirmed this request was approved via chat. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for that month showing an amount past due and its delinquency. The minimum amount should not exceed 3 % of the total amount for the principal. 

On XX/XX/XXXX, I was notified by XXXX that they were going to decrease my credit limit, because they received a late payment that was processed 1-day after the due date. Contrary to the fact XXXX confirmed approval for waiving the late payment. I disputed this action with XXXX and Capital One, in addition to all 3 credit reporting bureaus. However, all three credit reporting agencies declined to remove the inaccurate information. 

In XX/XX/XXXX, I received a notification via mail Capital One decided to buy XXXX. I continued submitting minimum monthly payments. On XX/XX/XXXX, I finally gained access to Capital Ones online account management portal and learned that the account was restricted, closed and no new cards would be reissued.

I would like for you to correct the amount on my credit report that shows 3 late occurrences. This is incorrect for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct and reopen my credit lines to {$8000.00}.
Product: Payday loan, title loan, or personal loan

I was introduced to Flex Inc by my leasing office as a third party service that assists in paying your rent on time. I had used them without issue and they did not fail until recently.

I was alerted by Flex that I would need to self-submit payment on XXXX XXXX using their account information and had to do so again on the XXXX. I did as instructed and figured everything was good when my leasing office confirmed submission. 

However, I was surprised to receive a call from my leasing office two days ago to tell me that the ACH from Flex returned ( in other words the check bounced ). To summarize I contacted Flex at the request of my leasing office to ask that they correct this issue. I received automated responses but no live help. A representative named XXXX from flex said that they would try to resend the payment or refund my rent payment so I can pay it myself. I checked each day to find that NOTHING had been completed. NO REFUND AND NO SERVICE RENDERED. 

I have tried calling Flex through their number listed on the XXXX XXXX XXXX  website and even then was only able to submit a voicemail. This company seems to reach out by email once a day with the same response of : I can understand the frustration and anxiety this kind of situation may cause and we appreciate your patience. Yet there is no urgency to correct the issue resulting in late payments on your account. Even on their social media page they can not be reached and they will ignore you until they want to respond. I have even been blocked from responding on XXXX. At this time, I have demanded a full refund of my last payment and service fee. I will not be taking the chance of using this service again once I have been refunded. I have reviewed their app on the XXXX XXXX  warning others that if they intend to use this service please be aware that there is a possibility that they will leave you waiting for long periods without responses unless collecting a payment from you. It is imperative that to protect yourself from possibly having to borrow money and/or bargain for leniency on your rent. 

On XX/XX/23 I was contacted by XXXX after XXXX to inform me that Flex does not show that the ACH was returned. And they are asking ME to get proof from my complex instead of them getting this information. No one seems to know where my payment is but yet Flex was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In early XX/XX/XXXX, I disputed this account via XX/XX/XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I opened a credit card with a lender ( XXXX  XXXX XXXX ) who pulled a XXXX score from XXXX. 
XXXX  on XXXX shows a score of XXXX. The lender sent a credit score letter with the same date and XXXX  agency lower score of XXXX indicating I am higher risk. Unfortunately, that in turn unfairly impacted my scores on other agencies ( Equifax ). 

Lender inaccurately used XXXX and approved my credit card with minimum line. The lower line resulted in increasing my Utilization. 

The further implication is that when I purchased an AUTO on XX/XX/23 my score that was unfairly lowered, resulted in a higher pricing, thus impacting me significantly financially. 

I disputed this with XXXX, and they appear to have corrected the score. Unfortunately, it should be retrospective and reflect XXXX on XXXX. But the score was updated inaccurately and untimely. 

As a safe measure, I proactively paid off most of the balances immediately reducing my utilization from 37 % to 26 % well before XX/XX/23. However again due to unfair timing my score continued to report below XXXX. 

I have 24 years of credit, paid on time in FULL an average $ XXXX for 24 years, Never delinquent, never revolved, no negatives to damage my score this significantly.
Product: Debt collection

Synergetic Communications., Inc. sent me a very disturbing letter dated XX/XX/XXXX that I have attached where they requested the payment of a debt for a car that was repossessed in XX/XX/XXXX because of my illness that led to a XXXX. The collector claims that if I do n't pay the debt or contact them within 30 days, they could sue me, as stated in the letter. The debt is past the debt collection as per the following : Statute of Limitations. Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. The debt was reported and closed on XX/XX/XXXX more than four years ago. I also do not know where or how thee credit agency received my information, I have never heard of or spoken with them before and the fact that they contacted me with such a harsh letter has affected my XXXX terribly. Poor XXXX Americans already suffer from disparities that include underemployment, over-employment and discrimination. We are always the first laid off and less paid, as is some of the issue that happened when my car was repossessed. Even the way XXXX repossessed the car was disturbing where they pretended that if I would make another payment, I could save my car while at the same time the repo man came to my house. 

The debt, according to my credit file, was reported and closed as follows : Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$30000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$8300.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Worst Pay Status Unknown
Product: Payday loan, title loan, personal loan, or advance loan

THIS COMPLAINT IS ABOUT FALSIFIED APPLICATIONS SUBMITTED IN MY NAME. Two applications were initiated online using my personal information. The first application was completed end of XXXX - early XXXX. The second application occurred XX/XX/XXXX. 

I receive emails confirmation receipts including application status/results. I called this company post first application and explained my information is being ABUSED online. In addition- they permanently remove me from their systems. Obviously this has not been done and I am taking this complaint up a notch. 

Public information is too much information because theives, scammers and imposter 's have horrible intentions to ruin identities. I have locks on my credit profile, block scam emails, and avoid spam calls. Any and all companies should verify all consumers before approving any loan product! Scammers are applying for loans and utilities in my name. I don't have control over my own identity anymore due to data collection companies selling me online. 

I should be able to give consent before any information is being released and sold. But due to these scammers they are applying everywhere and giving consent to loan shop hop all over the internet with my name.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX the amount of XXXX dispute was file to remove the inaccurate information reporting to credit profile.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$540.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Debt collection

Received account balance option letter from FreshView dated  XXXX   XXXX  in regards to : Current Creditor-CACH, LLC ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three  options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,  XXXX   XXXX ,   XXXX  , I went to the  FreshView  website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today,  XXXX   XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of  XXXX   XXXX  and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until  XXXX   XXXX ,   XXXX   and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of  XXXX  on this debt before  XXXX   XXXX  as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from  XXXX   XXXX !
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE CONTACTED TRANSUNION NUMEROUS TIMES IN REGARDS TO SEVERAL INQUIRES ON MY REPORT THAT I DO NOT AUTHORIZE AND THEY REFUSE TO BE OF AID OR TO REMOVE ANY OF THEM. IVE ALSO CONTACTED THE CREDITORS DIRECTLY AND THEY HAVE NO INFORMATION TO PROVIDE AND THEY ARENT LINKED TO ANY ACCOUNTS. I ALSO HAVE TOLD TRANSUNION THAT AND LET THEM KNOW ITS ILLEGAL FOR ANYTHING TO REMAIN ON MY ACCOUNTS UNAUTHORIZED, AS WELL AS THAT ARENT ATTACHED TO ANY ACCOUNTS. I HAVE EXHAUSTED ALL OPTIONS AND I CONTACTED CFPB TO REMEDY THE SITUATION IMMEDIATELY. 

These lender inquiries that need to be removed : 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 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 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 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 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 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 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 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 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
Product: Debt collection

I have been trying settle with midland funding, they are unwilling to work with me. They are asking for full balance and they have even ask for my pay stub saying that want to set up a payments. I have told them im on SS. They keep giving me the run around about this and lying to me to try to get me to paid this in full. i should not have to go thru all this when im telling them what i can paid. Why do they did check stubs? they dont!. they are trying to garnish my wages and lying to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED
Product: Debt collection

Received a letter in our on XXXX XXXX. Letter from collection attorney was dated XXXX/XXXX/2016 given me an opportunity to respond. Upon further investigation the envelope it was sent in was dated XXXX/XXXX/2016 this explained why I received it so late. I responded in writing on XXXX/XXXX/2016 and sent it via XXXX. Now today I am served a suit for the money amount dated XXXX/XXXX/2016 and filed XXXX/XXXX/2016. It was filed 3 days before I received the initial letter. I believe the letter was deliberately held 5 weeks and then mailed in an attempt to claim I never challenged the claim or responded to the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.