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

I am filling 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 and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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 reporting, credit repair services, or other personal consumer reports

Please see attachments. The information being reported by all of these bureaus is inaccurate and needs to be corrected. They claim to have contacted you and that you verified this as accurate. I know it's not accurate and you should too. I am hereby demanding this be immediately corrected by you. If it is not I will not hesitate to include you in the law suit against all 3 bureaus! I will also go public with the law suit! Anyone else having issues with you too will be able to take legal action too. The bureaus are notorious for constantly creating these types of errors then refusing to correct them. I'm sick of it and am not afraid to sue all of you for violating the Fair Credit Reporting Act laws! The bureaus do it all the time. YOU should not be doing this!!!
Product: Checking or savings account

**Subject : Formal Response to CFPB Complaint Demand for Immediate Action** To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX XXXXXX/XX/year>, regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Your response is both inadequate and unacceptable. It is your legal obligation under the **Fair Credit Reporting Act ( FCRA ) ** to conduct a fair and thorough reinvestigation of disputed information, yet you are attempting to shift the burden onto me without even acknowledging the details I have already provided.

To be clear : I **demand an immediate and comprehensive reinvestigation** of the disputed record ( s ) as required by **15 U.S.C. 1681i ( a ) ** of the FCRA. The failure to conduct such an investigation within the legally mandated timeframe will be considered a violation of federal law. 
Here is what I require from Early Warning **without delay** : 1. A detailed and itemized explanation of the specific record ( XXXX ) that you claim are in dispute. Your letter fails to provide any clarity, which suggests an attempt to evade accountability. 
2. Proof that the financial institution reporting this information has verified its accuracy and validity. Under the FCRA, it is your responsibility to **independently verify** disputed records, not simply rely on unverifiable or outdated data.

3. Immediate removal of any inaccurate, unverified, or outdated information. If the reporting financial institution can not provide **documentary proof**, the law requires that the disputed record ( XXXX ) be deleted **immediately**. 
4. A formal response confirming that your agency is complying with all FCRA regulations, including my right to seek damages for any failure to investigate this dispute in good faith.

Furthermore, should you fail to comply with your obligations under the FCRA, I am prepared to escalate this matter **immediately** through the CFPB, the Federal Trade Commission XXXX FTC ), and, if necessary, through legal action. I will not tolerate any attempt to obstruct or delay my right to accurate consumer reporting. 

You have **30 days** from the date of this letter to complete your reinvestigation and provide a written response detailing the resolution of this dispute. If I do not receive an appropriate resolution within this period, I will pursue all legal remedies available to me under federal law. 

I expect an immediate acknowledgment of this dispute, along with confirmation that my request is being processed. If you fail to comply, you will leave me no choice but to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to this company about a debt that is not mine. I have never had service with them. I received a letter from the credit buro that it was mine but never received any documents from them that proved it was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX CapitalOne approved my credit card application. 

I was unable to access the account for over 2 months due to CapitalOne not being able to update my phone number for 2 step authentication. I made several calls to CapitalOne and no one was able to change the phone number. 

On Friday, XX/XX/XXXX I decided to call again and to my surprise, I had a past balance for a card I never used ( automated system ). 

I was finally able to gain access to the account on XX/XX/XXXX using a different verification method ( 3 digit security code ) and noticed that a {$39.00} membership fee and {$25.00} late payment fee were applied. 

I wasn't properly informed of the fee, nor did any of the representatives I spoke to ever mentioned a fee being charged or that the account had a balance. 

If I would have had access to the account or been informed of a balance on the account, I would have made the payment. Additionally Capital One should provide clearer information on membership fees and when these fees are assessed. In my opinion this is a UDAAP violation.
Product: Checking or savings account

On XX/XX/XXXX Bank of America appears to have had a data breech which I feel publicly they are not disclosing full details their XXXX system seems to have been hacked which they never fully addressed by I had a checking account opened in my name that same day and was told it was done online and ssn was used. I got an email alert of a new account opening I called promptly that day to their fraud team advised how it was opened and it would be closed. The account is still open
Product: Credit card or prepaid card

Synchrony bank is the creditor. I have had 3 accounts with them where they sneak onto your bill ( card security ) that charges a monthly fee. 2 of my accounts they did this to and when I confronted them on one of the accounts they always say " you signed up '' for it but I never sign up for credit insurance on any credit card what makes them so special. I did not sign up for I told them so on one of their accounts they refunded the money then a month later I seen it on my bill again. Same thing happen they said I signed up for I told them I didn't they refunded. Then on my synchrony lowes account which I forgot to look into thinking it was a random accurance on the other account. I finally after paying huge monthly payments to synchrony lowes account {$280.00} per month couldn't fathom why my bill never went down only went up when I hadn't purchased anything in nearly 6 months. So I looked at my statements and seen they were charging card security on that account to the tune of {$100.00} plus per month for years they were charging me this and when I confronted them they said their classic line " you signed up for it ''. I was livid paying for years on a card trying to pay it down but couldn't because they were scamming me all along under the guise of ( card security ). They only refunded {$1300.00} of that money but they owe me much more than that plus interests. They been charging me interest on charges that should have never existed. When I confronted them on that they said " case is closed ''. I want to sue them and expose them for what they are doing to unexpected trusting consumers. We look to businesses to hold the highest standard not be crooks. They also used this as a excuse to lower my credit limit and when they did that which they did numerous times they solely destroyed my credit. I never defaulted or was late on any payment to any of my credititors not even synchrony bank but they have been he'll bent on ruining my credit and it all started with their scam they pulled on my called XXXX XXXX. I want them fined and held accountable for harming me financially and damaging my credit by deliberately lowering my score so they can up their fees making me look like a credit risk. I am also doing XXXX reviews to warn everyone about they shady business practices. Oh this lowering my credit limit thing they are pulling this is what they did. So my lowes credit limit for example is XXXX and my balance is {$4700.00} so what they will do is lower your credit limit to {$4700.00} then you pay {$1000.00} then they lower it again and so on each time they lower it damaging your XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE.DISPUTED FACTUAL DATA To BE REMOVED FROM MY CREDIT REPORTING ACCOUNT. I SEE 2 INQUIRIES FROM THIS COMPANY I HAVE STATED AND STILL STATE THIS INQUIRY WAS PLACED FRAUDULENTLY PLEASE REMOVE BOTH INQUIRIES IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I went onto Experian two months ago to check my husbands " FREE '' credit score. It cost me XXXX dollar, and through the fine print when you agree to their terms, what you must weed through is that they'll charge you {$21.00} each month automatically. I found that out today when I checked my bank statement. I explained that it was a misunderstanding and I didn't intend to join any membership that I only wanted that one free, that wasn't free, credit report. I asked for the two months they had deducted refunded. The representative was authorized after arguing to refund only one month. Since Experian is supposed to be a trusted company that has the world at their mercy for credit reporting, I expected that they would make it right. The supervisor XXXX, who isn't required she said to give her last name, but badge number # XXXX, told me that the only refund she would be giving me, after several try 's of asking, would be one month, and not two as I asked for.

Experian I have learned today is a for profit company and can't believe they've not been re regulated on how they operate as they have the fate of everyone 's financial reputation in their hands. They are tricky and know they can't be touched.

They refunded one month of {$21.00}, and I would like the other month refunded as well.

I expect another refund of {$21.00}. When they sent their e mail confirming cancellation, the generic print states, " If you are due a refund, please allow a few weeks for the refund to be reflected on your credit card statement. '' This was the first cancellation e mail. Clearly, they're used to giving refunds to others that aren't clear about their SIGN UP policy. Additionally, when you call the CS number, the recoding will hang up on you if you don't immediately enter you social security number before they connect you. Very scary in these times, but I did it anyway after their phone system hung up on me three times because I didn't want to give any information until I had a human on the line. I want my second month refunded additionally of {$21.00}.

After they sent a cancellation e mail, they sent one that says welcome back. Wow. Horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.
Product: Checking or savings account

I had an account with Capital One, lost my job. Began looking for online jobs, unaware of all the scams out there. One 3 occasions I was scammed into depositing cashiers checks for the employment I accepted. I was asked to send the money to a few different places as I was working as an assistant. Once the hold was released I transferred the money to allocated places. Then, the checks were bad, leaving me in a financial hardship I can't begin to describe. I cooperated with fraud department and told my story to 2 different agents. Gave them all the information I had. 1 agent was very understanding and empathetic to what I had been through. She credited my account for {$350.00} which was nothing compared to what i lost but I appreciated it regardless. Another agent called me and was very nasty towards me, accused me of being involved when I had no idea that I was being scammed at the time. She insisted I get my phone whiped, I called my company who initiated a full scan of my phone and found no problem. The next day I called and told her I had this done. She proceeds to yell at me and say that's unacceptable. I must take my phone to a specialist and have it checked and again was very nasty to me. I told her I didn't have the money for that and my company assured me the diagnostics they ran were sufficient. Next thing I know they mailed me a letter saying they were closing my account and had reversed the {$350.00} credit I had already spent. I was only {$64.00} overdrawn before this. That put me at overdrawn by {$410.00}. They disabled my account and I wasn't able to get into it. Before I received the letter about closure, I found a job. I had put my account credentials for Capital One on file. I changed it but I guess not soon enough. My check was sent there in the amount of {$720.00} for which they won't return to me although they have already charged off the principal. I can't access my money and this is a huge financial hardship for me. I owe money for my son 's tuition for school amongst many other bills that they won't return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account XXXX Checking Line of Credit XXXX, that is reporting adversely on my Transunion account ; however it has exceptional payment history and has never been late or past due. I have talked with my bank to see how they are reporting it ; however they are only reporting the status and the amount paid. This account is not adverse, it is current and should be moved to satisfactory status. This is my second time reaching out about this ; however the issue is never resolved. I have attached a recent snip of how this is being reported on my account. Its clearly being reported incorrectly.
Product: Debt collection

Dear LVNV Funding, Re : Reference # XXXX ( LVNV FundingXXXX XXXX XXXX XXXX XXXX I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report. 

According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}. 

This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges. 

Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt. 

Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 


Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  & Transunion are reporting accounts that I have no knowledge of.
Product: Debt collection

I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this Transunion two letters to address the issues on my credit report.
Product: Credit card or prepaid card

Called Citibank in an attempt to product change to a no annual fee card, and the automated system closed my account. When prompted if I was sure if I wanted to close the account, I repeated that no, I did not, and I wanted to product change. I was eventually rerouted to a human, and got no recourse on the situation.
Product: Credit reporting or other personal consumer reports

The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX BANK XXXX XXXX under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent.

Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
Product: Debt collection

ERC debt collectors have called and sent me a letter stating I have a debt amount of {$540.00}. On a recorded line they stated the account was opened in XXXX. Which I DoNot recall having any XXXX service in XXXX. I then became stressed and worried so I checked my XXXX credit account. On my XXXX report I show that I disputed this same company ERC from my credit report for an account opened in XXXX, for the amount of {$250.00}. However, the mobile company shown on my report states its T-Mobile. This account was disputed and deleted from all 3 credit bureaus in XXXX. Why am I still getting collection notices from ERC if the account has been removed when I filed a claim to dispute through XXXX and it has successfully been removed.
Product: Debt collection

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX and XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. 

Once again, I am requesting all of the following documentation or immediate removal from my credit report. 

A detailed list of the payment history made by me on this account, including dates and amounts of all payments. 
Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. 
Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. 
Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transfer documents demonstrating your authority to pursue collection
Product: Credit card or prepaid card

My Bluebird by American Express account was permanently suspended XX/XX/2019 without any type of notice or warning, I didn't even realize it had been suspended until I tried getting my bill money off the ATM machine at the neighborhood XXXX and I tried calling customer service but it is just a recording telling me my account has been permanently suspended and I was sent an email to further explanation but I never received the email I have even been checking my spam folder to make sure and after the recording is done it just hangs up and doesn't allow me to speak to any representative. This is unfair to me because I should have been notified before just permanently suspending my account without a warning now I can't even contact customer service to get the remaining of my money off the card it seems I have been blocked from even contacting anyone to help me resolve this problem. Please if someone can help me solve this problem as soon as possible it will be greatly appreciated. Thank you!