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 customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ang 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I realized that the Sears home warranty service was a scam, and not worth the {$41.00} a month I had paid for years. As everytime I had a service call 'nothing was covered '. I cancelled the service in XX/XX/XXXX. I was billed for XXXX, XXXX, when I cancelled again. I was billed in XX/XX/XXXX - and I again called to cancel. I asked for written verification in email or reg mail and was told not possible So in an effort to stop this fraudulent billing in XXXX I cancelled card ( Sears Mastercard ) as well as home warranty service. I was given cancellation number # XXXX. They have continued to bill me {$41.00} a month and I finally stopped paying in XX/XX/XXXX. I am now worried about them ruining my hard won excellent credit. 
Please help Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Cash App ( Square , Inc. ) regarding an unreasonable hold on my funds, which has lasted for more than 70 days as of this submission. 

Details of the Issue : Date of Initial Transaction : XX/XX/year> Amount Held : {$360.00} Cash app email : XXXX Cash app tag : XXXX XXXXXXXX Reason Provided by Cash App ( if any ) : No Reason Provided Attempts to Resolve : I have contacted Cash Apps customer support multiple times to inquire about the status of my funds and request their release. Despite my efforts, they refuse not return the money back to where it came from neither have I received a satisfactory resolution or clear communication regarding when my funds will be made available.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. 
A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.
Product: Credit reporting or other personal consumer reports

I am telling them Im opting out from their company reporting on my consumer report and they refuse to comply. 

It doesnt matter if a third company purchased debt, thats their problem. Thats not my responsibility. And the law clearly states my history, experiences nor transactions should be reported On XX/XX/year> Spring Oaks Capital was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given 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. 15 U.S. Code 1681a ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Debt collection

This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.
Product: Debt collection

I found over 10 accounts on my credit from Kansas Counselors inc-I sent in a request by fax and mail for validation of these 10 debts-which are marked as closed medical accounts. I heard nothing back from them. I supplied them with my new address and contact information and still got nothing back. I submitted a dispute with the credit reporting companies because I think that these debts are linked to Identity thief that occurred in XX/XX/XXXX-XX/XX/XXXX from and ex-employee. Kansas Counselors remove all of the accounts except 3 of them. 
I have requested 3 times for proof of this debt and they refuse to provide it and keep responding to the credit reporting companies that these accounts are valid. And now they are reporting the accounts as brand new accounts with no last day of active on it, which the credit reporting companies tell me that will cause the accounts to say on the credit longer then the 7 year marker.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved out to overseas on XX/XX/2015 permanantly but I would like to dispute the negative items on my credit report because they are not mine. 
I used to live in XXXX most of the time and I was living in XXXX for a short period of time. I feel like my room mate had stolen my information. 

1.XXXX XXXX  XXXX XXXX is not mine I have no idea who that creditor is and how that apprears on my credit report
Product: Checking or savings account

citizens bank saving promotion advertisement : GET {$100.00} When you open a first new personal savings account Open your first new personal savings account on the same date as you open your new personal checking account. Then make monthly deposits of {$100.00} or more for 3 months in a row, starting the month after the accounts are opened. You'll earn a {$100.00} bonus into your Citizens checking account in the 4th month. and the promotion is still on going XX/XX/year>2024 : Saving and checking account account opened and deposited {$100.00} respectively XX/XX/year>2024 : deposited {$10000.00} XX/XX/year>2024 : deposited {$120.00} XX/XX/year>2024 : deposited XXXX XX/XX/year>2024 : deposited XXXX contacted bank today for the 1th time, bank acknowledged the requirement was met but refuse to issue the bonus. 
contacted bank today for 2nd time and was informed the requirement was {$500.00} for 3 months in a row.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

Today around XXXX XXXX  the company closed all my accounts while on vacation Im in the middle of another state just sold a vehicle and waiting on money to be transferred and they loses my account without any warning for no reason They refused to give any information They have me only speaking to foreigners every time I call in
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and fraud due to a recent data breach. As a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am a new prepaid debit card user and I bought a netSpend card at XXXX to use for convenience. I think I might have inputted a wrong social security number or password when signing up for my online account, so when I went to access my account I could not. I tried using the link to reset the password and could not get it to send me a reset link. I then called the number on the card and there were only two options, if you lost your card, or everything else, but that required my social security number and because I must have hit a wrong number when setting up the account, it would not let me in from XXXX when I got it, until today XX/XX/XXXX. I tried it multiple times over a month, so I threw the card out and basically lost {$20.00}. 

My Dad saw the card in the trash and asked me about it and emailed the company that basically told him that we could use the prompt for lost card and get a live agent. When we finally were able to access the account, there was fee on XX/XX/18, Debit : Account Maintenance Fee for {$5.00} on a card that only had {$20.00} on it. There might have been some notice of this fee, but I did not see it or realize that just having the card would cost me almost {$6.00} a month. They are taking almost 20 % fee just for having the card each month. That should not be allowed ... basically, the card is useless and they are preying on us younger kids who are not financially savvy or have the ability to get accounts at a bank due to low amounts of money or whatever. I feel this is a predatory practice on a population of low income, young and/or uneducated people that should be protected, and not taken advantage of. With my {$20.00} card, I would have {$2.00} left after 3 months if I DIDN'T EVEN USE the card.
Product: Credit card or prepaid card

My husband got laid off and can not pay my credit card I called macy 's ( Citibank ) and they keep giving us the run around and telling us they can not do anything. I am XXXX and that seemed to be of no concern to them. This happened XXXX XXXX around XXXX thru XXXX and we called today XXXX. Several times during the calls, they dropped. One time seemed to have picked up and hung up. 

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Privacy Act of 1974 prohibits the federal government from disclosing any personally identifiable information about me without my consent. My transaction history is clearly personally identifiable information. It includes my name, address, phone number, and the dates and amounts of my purchases.

The CCPA gives me the right to request that businesses delete my personal information. My transaction history is clearly my personal information. It is also information that I have not given my consent to be shared.

The GLBA prohibits financial institutions from sharing nonpublic personal information with third parties without my consent. My transaction history is clearly nonpublic personal information. It is also information that I have not given my consent to be shared.

The FCRA gives me the right to dispute inaccurate information on my credit report. My transaction history is not accurate. It includes purchases that I did not make.

15 USC 1681 prohibits consumer reporting agencies from reporting information that is not accurate, timely, or relevant to a consumer 's creditworthiness. My transaction history is not accurate, timely, or relevant to my creditworthiness.

16 CFR 433.1, 433.2 and 433.3 require consumer reporting agencies to follow specific procedures when investigating and responding to consumer complaints. I have already submitted a complaint to each of the three major credit bureaus, but I have not received a satisfactory response. 

I respectfully request that you remove my transaction history from my consumer report immediately. If you do not comply with my request.
Product: Debt collection

I have been receiving several harassing phone calls from a company called Element Global Services based out of New York State. Each phone caller leaves a voicemail threatening to have me arrested over a debt in which they will give me no information on. They have my social security number. When I ask for information or documents to support their claims against me, they do not provide any. They harass my place of employment and go as far to call relatives cellphone and landlines looking for me. I have documented phone calls with their threats verbatim.
Product: Debt collection

Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of Amex XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for American Express and they still failed to honor their policy. They instead filed suit and damaged my credit. 
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. 
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2019 I been disputing a bankruptcy offf my report belonging to someone else with the proper paper work Equifax will not remove this at all I won't them to deleted this man bankruptcy off my file they have deleted his name and kept the bankruptcy I included all supporting documentation from this in close is new information from XXXX showing they didn't get any respond back from Equifax when they tried to investigate with them on the matter of investigation with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX EXPERIAN ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

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

I have been using Experian Credit monitoring service for over 4 years, paying a monthly fee of {$29.00}. According to the service, my scores are updated monthly by all XXXX bureaus. In addition I receive alerts and credit offers. 

Today, I sought assistance for a consolidation loan. The lender checked my XXXX report while I was on the line. The number he saw was XXXX points lower then what my Experian service reports my XXXX number to be. In fact, when I updated my scores on Experian today, my XXXX score went up!!! I then logged into XXXX directly and again found a XXXX point discrepancy ... ..on the same day!! 

How is this possible?? I am not in a good financial situation, yet, Experian would have me to believe that all is well!!! When I called Experian, they told me something about using different scales and scoring systems, but it still doesn't make any sense. 

If I'm paying them, I want to have accuracy ... .not a lie just so they can keep promoting more products. It's supposed to be helping me stay on track, not painting a false picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 reporting or other personal consumer reports

Upon reviewing my Experian credit report, I noticed multiple fraudulent accounts and unauthorized inquiries that I did not open. These fraudulent activities have severely impacted my credit standing. I have attached my FTC Identity Theft Report ( Case # XXXX ) for verification. 
Fraudulent Accounts on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unauthorized Hard Inquiries on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX