23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Bank ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Money transfer, virtual currency, or money service

I have had multiple unauthorized transactions occurring on my CashApp account as well as overdrafts when I havent purchased anything. I reached out to the posted live support number and it is not real. I was never connected to a real person. Because of this, I could not use my CashApp account until I added even more funds to bring the account current. They mishandle your money and there is no way to get ahold of anyone to have it fixed or resolved.
Product: Checking or savings account

XX/XX/2020 XX/XX/2020 Checking XXXX $ Saving 's XXXX $ It has been almost 8 months of chase bank closing my account and is holding XXXX $ in savings and XXXX $ in checking of my unemployment benefits. It all happened one morning, Ive been waiting almost 3 months to receive my unemployment benefits and one random morning all of my weeks for unemployment was deposited into my account and the next day Chase Bank close the account. After calling everyday, they tell me the Georgia department hasnt got back with them and that is why the investigation is still going on. I had to open a XXXX XXXX account to continue receiving my unemployment benefits. I dont know what I should do at this point. They have been holding my money hostage and don't want to release my funds. I should've at least received a letter about this investigation but nothin! not a single letter saying we are still investigating on the case they don't want to tell me nothing or mailed me my funds. Please I need help
Product: Credit card

American Express tried to debit an unauthorized amount of {$900.00} out of my checking account, when I had a {$0.00} below ( I did not owe them anything ), causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this, they acknowledged I did not owe anything, but said I tried to make the payment, so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}, when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake, but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title, putting me on hold each time, never putting me in contact with a manager. This is ridiculous. They need to be held accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$12000.00}
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 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. I was scammed through the XXXX part of the app and was unable to get any help from Cash App, leaving me in debt and unable to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX credit bureau is reporting these bankruptcy on there own account, XXXX is reporting the correct information, i'm attaching XXXX information to this report, i hope that CFPD step in and do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed some company called  XXXX   XXXX   XXXX  to place a collection on  the Consumer Repo rt they keep against my name. I have no relationship to this company, i do not owe them an y ,  and they have never sent me a bill or notice of default. i tried calling the company and they dont answer and have not returned my messages. Experian will not provid e me any avenue to dispute this f alse information and have it removed from the report they keep against my name, they essentially accomplices at this point to a company that has broken the FDCPA and is fraudulently defaming my name and costing me money due to poor credit rating.
Product: Checking or savings account

I have been trying to close my Bank Of The West account for over a week now. I sent messages through the app which remain unanswered. I have also called multiple times to be put on excruciatingly long hold times. I just want my account closed but I can not reach a human in order to do that.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of the previous letter. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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
Product: Debt collection

The company,  XXXX   XXXX   XXXX   XXXX , Fl. reported on my personal   XXXX   credit report  XXXX  a placement for collection by  XXXX , account #  XXXX .  ( cr edit report pages are attached ). I mailed a letter dated  XXXX   XXXX   2017  ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency.  XXXX  is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped  XXXX  points ( the damage ), I further followed up with a phone call to them and spoke with  XXXX   XXXX , and  XXXX  who could not locate the account information.. I then called back again and spoke to  XXXX , who said she located the account and would send me copies of the letter from  XXXX  and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today  XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovative Recovery Inc is reporting a collection account to all 3 credit companies in the amount of {$840.00} this is not my account I have been disputing this account for a long time. I need written confirmation that this is my account. 
Thanks.
Product: Payday loan, title loan, or personal loan

Per Georgia State law, ANY AND ALL payday loans are ILLEGAL. This company did NOT inform me of this nor do they hold a Georgia Industrial Loan License and are NOT legally allowed to do any business in Georgia. They failed to inform of this and here is the state law from Georgia.gov The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XX/XX/XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
I want this debt to be considered CLOSED and any and all actions taken from them will result in legal action, both state and federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to trans union/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Vehicle loan or lease

I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email from XXXX XXXX XXXX XXXX assignee XXXX XXXX. The email advised me to call or write them by XX/XX/2024 to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/2024. On XX/XX/2024 I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX- {$350.00} XXXX XXXX, XXXX XXXXXXXX XXXX XXXX- {$450.00} XXXX. XXXX, XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.
Product: Debt collection

I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.
Product: Checking or savings account

I went to Wells Fargo and I deposited a check for XXXX dollars. Wells Fargo now is saying that they can't release the funds.I know the funds are available.I believe they are keeping my funds from me illegally.
Product: Checking or savings account

On XX/XX/XXXX, I opened an Advantage Plus Checking Account and Advantage Savings Account at Bank of America. On XX/XX/XXXX, I was trying to request a transfer of funds ( {$10000.00} USD ) from my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account. I am the owner of my XXXX XXXX  XXXX XXXX XXXX account, and I had sufficient funds to be transferred when I requested. In addition, I have also successfully linked my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account prior to the transfer. 

On XX/XX/XXXX, I found out that my Bank of America account was closed by Bank of America, and Bank of America did not notice me about the closure nor provide any reasons on why the account was closed. 

I then requested a consumer report from XXXX XXXX XXXX, the report indicates that the account was closed due to fraud. I requested investigation on this case through XXXX XXXX XXXX, as I disagree with the information in my consumer report file. 

On XX/XX/XXXX, XXXX XXXX XXXX mailed me the investigation results that the information in my consumer report file is accurate and complete. 

After speaking with Bank of America Client Protection center in XXXX, XXXX, I was informed that the reason for account closure was because Bank of America thought that I was requesting a transfer from third party instead of my own account, therefore, Bank of America is seeking proof that I am the owner of the XXXX XXXX XXXX  XXXX XXXX XXXX account. 

I then submitted a reinvestigation request to XXXX XXXX XXXX  including a letter of proof from my XXXX XXXX  XXXX XXXX XXXX XXXX, which confirmed my account ownership and my good standing with the XXXX XXXX  XXXX XXXX XXXX XXXX, along with my XXXX XXXX  XXXX XXXX XXXX account bank statement with the fund transfer history. 

On XXXX, XXXX, XXXX, XXXX XXXX XXXX mailed me the reinvestigation results that the information in my consumer report file is accurate and complete, which I disagree as I did not commit to any fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent information to this coming via Experian upload, I've yet to receive a reply. I am needing them to block and remove information on my credit report that is a result of fraud.
Product: Mortgage

My wife and I recently filed a chapter XXXX bankruptcy and in response my mortgage company ( Quicken Loans ) charged me {$950.00} in legal fees for " objection to plan ; {$450.00} '' and another {$500.00} for " proof of claim fees ''. This is not right, was not agreed to and is just bad business. The creditors have not even met with the bankruptcy court yet and our plan does not reduce or alter the current mortgage payment. Filing bankruptcy is prompted by financial distress and is not suppose to be an opportunity for your mortgage company to charge {$950.00} in legal fees. Formal written notice of this action was sent to us by mail on XX/XX/2020 by a law firm based in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Quicken Loans added the {$950.00} to our XXXX mortgage statement/billing. Please e-mail any other further questions you may have and thank you for your time and consideration regarding this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened a secured credit card in XXXX XXXX I had to pay a security deposit of XXXX and I setup the account to have a XXXX limit before opening the account there was an option to increase the credit limit so I paid {$100.00} through my banking financial institution which now made my credit limit {$400.00}. A few days ago I closed the account because I no longer it and its only showing I had a {$300.00} security deposit. I contacted capital one on XXXX/XXXX/XXXX and they tried to tell me that they gave me the additional {$100.00} which is not True on a secured credit card the company gives you no money, any money used on the account is what you put in. They are now saying I owe them {$100.00}. The supervisor could n't even tell me when they supposedly gave me the increase.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX, I called Capital One regarding my credit cards. The two credit cards that I have with Capital One had the same due date. I asked what happened and why were the due dates now the same. The first credit card ending in XXXX has a due date every month on the XXXX. The second credit card ending in XXXX had a due date of the XXXX of every month. In XXXX I had two credit card payments that were due at the same time. I called the customer service phone number to ask why was this happening. The customer service representative stated that the due dates were changed. I asked to speak to a manager who was very rude and told me that Capital One sent a letter out last year. 

I did not receive any letter stating that my credit cards would have the same due date. The manager then changed one of the dates from the XXXX of the month to the XXXX which still doesn't give me time to pay on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Balance : {$950.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.