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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce 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 and errors.
Product: Money transfer, virtual currency, or money service

My complaint is about coinbase. They state funds should be available between 48 hours of your tranfer from your vault to your account. My withdraw was initiated on XX/XX/XXXX for XXXX Bitcoin. At the time Bitcoins value was about 40 % higher than it is right now. I also did the same with my XXXX and XXXX vaults. 

I have emailed, called countless times etc. I am debating a law suit. The only answer they give me is that my complaint was escalated. No answers, no updates, nothing but a scripted response. 

This is a Billion dollar company. They either don't care or it is a fraud. 

My next complaint is to the FBI.
Product: Checking or savings account

I went to a Chase ATM on XX/XX/22 around XXXX and deposited {$220.00} dollars in cash. The ATM gave me no receipt and my account did not update with the cash deposit online. I noted the Terminal ID on the screen : XXXX. I've sent messages through my online banking profile with Chase about the issue. I'm also currently on hold with customer care. 
I was on hold for XXXX minutes when someone finally answered, I told them the problem, and then they immediately put me back on hold with no explanation of a possible solution or what next steps would be. It's now been an additional XXXX minutes of hold time. I understand that my complaint may be premature and possibly may be resolved by Chase... but I'm taking no chances. I can't be on hold all day as I have to leave for work at XXXX and it's currently XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have called repeatedly with no response!. The last time I asked for help I was told the DA is not equipped to handle fraud like this!. Misrepresenting my deposits!. I still have at least four paychecks that never got resolved!. 

It been years since Ive reported this and no one has called or reached out to talk about my statements I never got in four paychecks I still have not got that where deposited in Bank of America XXXX XXXX, Washington!. 

XXXX XXXX XXXX is my number!. 
I hope this can be resolved soon!. Getting sick of this fraud in the Washington state!.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a letter from XXXX XXXX for a debt owed to Velocity Investments. It is for a debt according to them that is from XX/XX/2005. That is XXXX years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Debt collection

*****BRIDGECREST IS IN NONCOMPLIANC OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. This is my official notice to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of Bridgecrest. This includes disclosing my nonpublic personal information to any and all consumer reporting agencies. Bridgecrest did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of Bridgecrest disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to Bridgecrests unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice Bridgecrest or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect Bridgecrest to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect Bridgecrest to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. Bridgecrest can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party.
Product: Debt collection

Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by Cooling & Winter LLC and/or XXXX  XXXX XXXX. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting XXXX XXXX XXXX asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make Cooling & Winter LLC and/or XXXX XXXX XXXX. 

pay {$3.00} XXXX to the Civil Penalty Fund.

Again, I do not reside in the jurisdiction of Henry County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by XXXX XXXX XXXX ( the creditor ) and then the written-off / worthless debt was sold to Cooling & Winter LLC ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to XXXX XXXX XXXX and Cooling & Winter LLC get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. XXXX XXXX  XXXX and/or Cooling & Winter LLC are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
Product: Debt collection

The actions are from XXXX XXXX XXXX, representing New Century Financial Services. 
XXXX XXXX XXXX sent a summons in XX/XX/XXXX to an address to which I had a furnished room in XX/XX/XXXX. I moved out of this furnished room approximately in early XX/XX/XXXX. I had no knowledge of this summons. The certified letter returned to court unclaimed XX/XX/XXXX. XXXX XXXX  XXXX used regular mail as well. In XX/XX/XXXX, XXXX XXXX XXXX obtained a default judgment for the amount of XXXX - XXXX added interest and fees. They claim their client owns a debt from XXXX in my name. 
Sometime between, approximately, XX/XX/XXXX I received a letter from XXXX XXXX  XXXX demanding I answer a questionnaire about my assets, bank accounts, and etc. at my current address. I was surprised, and I did not answer because I regarded their actions hostile, invasive, and questionable. 
On XX/XX/XXXX I was notified I had received a letter from XXXX , XXXX , XXXX XXXX XXXX , XXXX . The letter is dated XX/XX/XXXX informing me of a notification of an application for wage execution to be served upon my current employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Over the past year, I have faced significant challenges with Synchrony Bank regarding their failure to verify my identity, leading to unresolved issues and the unjust handling of my accounts. 

Initially, Synchrony Bank informed me that they could not verify my identity. Following their directions, I completed and submitted the required verification form. When no progress was made for several months, I reached out for an update, only to be told to resubmit the form I had already provided. In an effort to comply with their requests and resolve the issue, I submitted additional documentation, including copies of my Social Security card, drivers license, passport, and utility bills, accompanied by numerous letters explaining my situation. 

Despite these extensive efforts and multiple phone calls aimed at rectifying the issue, I was later informed that I still owed a balance on accounts that were being closed due to the banks ongoing claims of being unable to verify my identity. This situation is particularly troubling as it implies an obligation on my part to settle balances on accounts associated with an identity that Synchrony Bank insists it can not confirm. 

This protracted ordeal has not only caused considerable distress and inconvenience but has also negatively impacted my financial standing. I am seeking the CFPBs assistance in achieving a fair resolution, which would require Synchrony Bank to acknowledge my diligent attempts at verification, clarify the persistent issues surrounding identity verification, and correct any inaccuracies regarding the supposed balances on accounts. 

How Synchrony bank claim I owe them a balance when they can not identify me.
Product: Debt collection

First National Credit Bureau is attempting to collect on debt from me that I know nothing about. I have never had an agreement with them. I sent them the attached letter asking them to validate the debt by XX/XX/year> and they have failed to respond.
Product: Credit card

Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to you because Equifax has reinserted previously deleted informationfrom my credit report and failed to notify me in writing. It is my understanding that under the FCRA the following is required : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information  certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. I sent Equifax a dispute about the debt being reported by the collection agency, XXXX XXXX XXXX. In response to my dispute, Equifax removed the collections from my report. They then reinserted the same collections without notifying me. They never notified me as to why the item was reinserted after they deleted it. I am uploading a screenshot showing the dates the items were deleted from my Equifax credit report. This complaint pertains to the following collections showing on my Equifax report : XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX - {$990.00} Account XXXX XXXX - {$1300.00} XXXX XXXX XXXX - {$700.00}
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. 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
Product: Checking or savings account

On XX/XX/XXXX, two seperate withdraws in the amount of {$450.00} and {$1400.00} were taken out of my account due to someone, who was not authorized as an account holder or such, without my permission. Therefore, I lost a total of {$1900.00} total, causing me to overdraft and become financially stripped. 

I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past year, along with having to take my employer to court in order to protect my job, so this has been a major burden on me to say the very least. I understand that things like this are unavoidable at times and do happen ; however, I would like for PNC to make this right for me ( their client/customer ) as this was no fault of my own whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to call Santander to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from Santander XXXX XX/XX/2020 XXXX, their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. Santander sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I received a notification from Transunion, XXXX, XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, Transunion and XXXX to delete collection immediately or I will be suing within 30 days.
Product: Checking or savings account

On XXXX XXXX added funds of {$150.00} to Dave checking  acct from connected XXXX acct. It was deducted from XXXX that afternoon as a completed transaction never in pending status. Dave bank info on app said it was in pending and would arrive XX/XX/year>. On the XXXX it was still in pending and called and man said could take up to 5 days. I asked why there app clearly said XX/XX/XXXX. He acted like I was making it up and had no knowledge of that and disconnected call. I then started a chat showing screen shots of there all and chime account showing funds transfered on XXXX. Was told the would escalate it. I have submitted ticket to get more info with no reply but a ticket #.
Product: Debt collection

My name is XXXX XXXX, account XXXX, address XXXX XXXX XXXX, XXXX Ma XXXX, I have called XXXX XXXX on last XX/XX/2022 and cancelled my account because I already had XXXX during that time. I did pay my last bill and today I received a bill from Collection with the amount {$370.00}. I called them but they never fixed the issue. Please help me to dispute this bill. Thank you.