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

XXXX XXXX XXXX XXXX issued me a check after closing out my deceased father 's checking account. They sent me a check for {$7300.00} but it was stolen on XX/XX/2021. My signature was forged and the check was cashed at a Chase location. 

I submitted a Declaration of Lost Cashiers Check and a notarized Claim of Forged/Unauthorized/Altered Check Declaration to XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021 Chase told XXXX XXXX XXXX XXXX that they would issue me a cashiers check. 

On XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX saying, " We were notified on XX/XX/2021 That Chase Bank would be sending a check to XXXX XXXX XXXX XXXX. As soon as that check is received by our back office they will notify me to issue you a new check. I will reach out to you as soon as I get the okay to process this. '' XXXX XXXX XXXX XXXX has followed up with Chase on numerous occasions since that date and as of XX/XX/XXXX, I have still not sent the cashiers check. 

I've tried to reach the right person at Chase to complain to but they refuse to give me any contact information. XXXX XXXX XXXX XXXX claims that Chase is now unresponsive to their emails.
Product: Debt collection

This company calls me speak out loud a social security number and asks if thats my social and asks if I live at an address they provide. They speak my social security number out loud every time? What happens when they call a wrong number and give away my social, my name, and my address?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting

This issue is about a notorious ( but very common ) flaw, which has been made by Equifax for years ; the merging credit information from various different persons to a single person. 

An year ago ( or a couple of years ago ), a person living in XXXX emailed to me about " id theft '' issue. His SSN is one-digit different from mine and his name is also similar with mine. 

He checked his credit to apply for a morgage loan and found many activies, not related to him. Some of them were actually mine. I also realized such issue that time, since I was buying a car. Currently, I have XXXX credit info and he ( living in XXXX ) has all information of mine. And this flaw only belongs to Equifax. XXXX and XXXX do not make this flaw. 

And, it is also notorious that fixing Equifax 's fault is very hard. Someone needs to buy an attorney to fix their faults. I have been hard even to contact with them. 

I think you are already familiar with this issue. I can find many similar cases by a couple of minute 's googling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a Collection/Charge Off, which you claim I owe a balance of {$2600.00}. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. Where is the account number? Last payment made was on XX/XX/XXXX ; however, in the description of payment history, it states that the account was in good standing in XX/XX/XXXX listed as OK referring to a payment received within a 30 day period. Furthermore, what date was the account closed? Credit card companies charge off accounts after 180 days of nonpayment and in this case the account would have been closed in XX/XX/XXXX. Why then are they reporting 180 days late in XX/XX/XXXX which would have been 210 days and 30 days after the closure of the account? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Validation. I do not consent to e-oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Note : I was a victim of a DATA Breach in XXXX and filed a claim against XXXX 
P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX, the living person, filed a Cease and Desist against Carmax Auto Finance and any of its affiliates. Carmax Auto Finance has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to Carmax Auto Finance clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore Carmax Auto Finance has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand Carmax Auto Finance to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX  and the Georgia Attorney Generals Office.
Product: Debt collection

When I moved into XXXX XXXX XXXX in XX/XX/XXXX, It was stated in my lease agreement that under the rent amount, it covered various things such as INTERNET ACCESS. XXXX told me to call XXXX XXXX and set up a time for them to come and set up the router and equipment. When I called, they said that it is covered by my complex but I can opt in for extra things that would be up to me to pay for such as higher speed internet, but I did opt out of those. Going into my next lease for XX/XX/XXXX, XXXX included in emails that they would be switching providers from XXXX to XXXX. XXXX collected their router from my apartment because it is not in the laundry room anymore, now we have XXXX. Beginning shortly after we discharged XXXX, I began receiving bombarding calls and letters from them stating that I have a pending bill to pay. This is incorrect because I never opted for anything extra and we dont use that provider anymore. My complex advised me to just ignore them were handling it, so I did just that. After a couple more months, my credit score tanked more than 40 points. I called the debt agency and made a dispute but XXXX has since rejected it. I called my complex and they again said they were handling it. It has been a month and my credit score has sunk another 90 POINTS. This is an incorrect fraudulent fee from a company and I closed my account MULTIPLE times but they did not end up closing the XXXX account for me. My credit went from above 760 to almost 650
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! XXXX, Equifax, and XXXX are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 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 ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is XXXX, XXXX, and Equifax. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance With the fair credit act The following creditors have violated my rights Bridgecrest formally XXXX and XXXX XXXX XXXX XXXX A Under 15USC 1681 section 602 States that I have the right to privacy.15USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

On XX/XX/XXXX I subtmited a claim against my bank Chase due 4 transactions that the merchant Never sent the items. 
The bank informed me that they " reached '' the merchant and they provided the confirmation of the delivery, something I never get until now and I requested may times to them. 
I reopened the case with XXXX with executive office and I was requested to send the forms again and the order receipt showing that the goods must be sent, I sent all of that on XX/XX/XXXX and talked with " XXXX '' from executive office. 
Today after 1 hour and half talking with the bank and being transferred 3 times, the first information is that the case is still under review, then I was transferred to executive office were they told me that the case is closed by them and sent it to claims department, I was transfered to them and they told me that the case was closes for a different reason that the original, the reason was that purchases made face to face are not covered by chargebacks XXXX. 
And 1 of the claims was approved and gave the money back, but the other 3 denied. Doesn't make sense that one was approved and the others rejected if is the same merchant and same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a purchase from XXXX on XX/XX/2018. the book i ordered from had a three or four month deferred payment. XXXX coustomer service person dropped the ball on entering the correct info, a couple of weeks later i had to give them the catalog number because the first representative did not do it correct.a payment should be for XX/XX/XXXX but they say i was 42 days pass due and another rep. said i was 12 days pass due but they reported me having a 30 day late on my credit report. that is incorrect and i am asking for that to remove from my credit report and to remove the late fee.
Product: Credit card

Chase credit card services continues to charge us for a XXXX bill of {$50.00}. This charge is in dispute and will will not be paying it ... Chase is using unfair labor practices on my wife and us and charging us for a bill that they can not resolve and give us credit back on. In question was XXXX hotel XXXX charging us for a XXXX night stay plus a deposit of which we paid for of $ 34 months ago on the card. We stayed only XXXX night at XXXX hotel in XXXX XXXX not XXXX nights. Chase card services needs to credit us back the disputed amount of at least {$60.00}. Again the paperwork shows that I sent in over a month ago shows we were not at circus circus for XXXX nights yet charged. We stayed the night in question at a XXXX in the XXXX XXXX area that night. We want this rebilled amount of {$50.00} taken off our card immediately. 

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

N accordance with Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy.

15 U.S.C 1681 scetion 604 A. Scetion 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 have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed
or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN NUMBERS OF TIME ON THIS MATTER LAST TIME WAS YESTERDAY XX/XX/XXXX CONCERNING MY XXXX XXXX # XXXX I HAVE PAID IN FULL SINCE XXXX AND THEY STILL REPORTING A XXXX DOLLAR BALANCE AND I HAVE NO BALANCE MY XXXX AND XXXX IS SHOWING NO BALANCE BUT EXPERIAN SAYING THEY CAN NOT DISPUTE THIS BECAUSE THEY SYSTEM WON'T ALLOW THEM TO SO THEY WILL CONTINUE TO VIOLATE MY RIGHTS 15USC 1681 THIS NEEDS TO BE CORRECTED WITH XXXX BALANCE I SPOKE WITH XXXX XXXX XXXX AND THEY SAID IT IS ON EXPERIAN BECAUSE THERE NOT REPORTING CORRECTLY SINCE XXXX XXXX XXXX
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, DEPT OF EDUCATIONXXXX XXXX XXXXXX/XX/XXXXXXXX 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 Dection 2 : also states a consumer reporting agency can not furnish an 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 antidotes 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: Credit card

I purchased a swing set for my granddaughters during Covid. XXXX was the only store that would ship it. I purchased this and paid on installments. Once paid I would receive a fee each year after. I didnt sign up for or asked to participate in this program. They charge me every year and add service charges and late fees higher than the original fee. The account has been closed and the XXXX people credited the original XXXX and Comentity bank told me it didnt matter if it were closed I still had to pay it or suffer the circumstances. This is a scam and my corporate attorney felt they we phishing me for personal information. Im tired of paying this phantom fee. Comentity XXXX and XXXX XXXX XXXX XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the XXXX XXXX XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists