23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is an electronic complaint about a letter that was mailed to me from the Executive Office 's XXXX XXXX on XXXX XXXX, 2015. I understand that my payment for my account ending in XXXX is late, but Chase violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. ( " TCPA '' ), by making automated telephone calls and sending text messages to my cell phone, including Collection Calls and Automatic Alerts, in connection with my Chase credit card, without my prior expressed consent. I am actually a member of the XXXX TCPA Settlement against Chase ( XXXX v. Chase, Case No. XXXX XXXX, and expect Chase to eliminate my debt and credit to my personal checking account all applicable FDIC penalty fees ( " The banking agencies have the authority to assess CMPs against financial institutions or individuals for violating fair lending laws or regulations. Each agency has the authority to assess CMPs of up to {$5000.00} per day for any violation of law, rule or regulation. Penalties of up to {$25000.00} per day are also permitted, but only if the violations represent a pattern of misconduct, cause more than minimal loss to the financial institution, or result in gain or benefit to the party involved. CMPs are paid to the U.S. Treasury and therefore do not compensate victims of discrimination '' -FDIC ). In addition, XXXX of your representatives has told me that one of my former relatives who has nothing to do with my finances ( I legally became an XXXX when I was XXXX years old, and am possibly in the process of becoming an XXXX ), was able to obtain private information about me without my consent. By anyone 's definition this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Product: Credit reporting or other personal consumer reports

checked credit report and saw XXXX XXXX XXXX nerver had a loan with that name, please remove asap under section 18 of FTC act asap.
Product: Credit reporting

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX Account Number : Ending in XXXX XXXX  ID : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication thank you for reaching out.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX your company received my certified USPS mail requesting that you look into and verify information on my report. Instead, on XX/XX/XXXX I received what I've come to know as a STALL LETTER implying that " it didn't appear that you or a properly authorized third party sent it to us ''. Well then how did you receive it?? I sent it and included the identifying documents that your bogus letter requested. This time, so that there's no confusion, I'm sending it through the CFPB and I expect not only that you respond by XX/XX/XXXX which is the XXXX window as required by the FCRA. 

I'm writing AGAIN due to the fact that you sent me a letter assuming that it wasn't me or a properlyauthorized third party that send correspondence to you. Despite the fact that my ID and other sensitive information was included. This is very upsetting to me and I'm beginning to believe that my rights are being violated. Who are you to decide who'sauthorized or not. Your job is toconduct a full and properinvestigation. 



Whether or not I'm working with a third party is really none of your business and has nothing to do with you adhering to the FCRA and ensuring that the information within my credit profile is being reported accurately or not. 



On XX/XX/XXXX a report was released by the CFPB titled : CFPB Releases Report Detailing Consumer Complaint Response Deficiencies of the Big XXXX Credit Bureaus : XXXX, XXXX, and TransUnion routinely failed to fully respond to consumers witherrors. 

Something that stood out were these findings by the article : The CFPB found the XXXX companies often failed to provide substantive responses, especially when they alleged the complaints were sent in by third parties. However, consumers can authorize third-party representatives to submit complaints on their behalf. 



Federal law requires XXXX, XXXX, and TransUnion to conduct a review of certain complaints sent to them by the CFPB to determine whether all of their legal obligations have been met with respect to the subject matter of the complaint and then to report their determinations and actions to the CFPB. 



This has to stop and the stress, worry and financial damages inaccurate items being reported on my credit profile is causing me, is so unfair. 



Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :
Product: Debt collection

This account was previously disputed directly with the collection agency. This account has been sold 3 times to different collection agencies. I asked the Collector to give me proof of this debt, ownership, right to collect, and some other details about the collection and no response was received. Please note letter will be attached, collection agency never complied to it and they should remove my file and cease all collection info furnished to credit bureaus. Agency is in violation of the FTC and FDCPA by not complying.
Product: Checking or savings account

Stepped into Lobby of Bank of the West in XXXX, CA during normal business hours. I wanted to make a CASH deposit only. But the Bank Personnel informed me they couldn't process any CASH transactions because they were Transitioning.

Bank of the West is being taken over by B
MO Harris right now. But I never in my Life heard a Bank say " Sorry we can't accept your CASH ''. 

CASH withdrawals yes, but CASH deposits? The complaint is I was NEVER informed prior to the Merge that the Local Branches wouldn't be able to accept any CASH! I knew online access wouldn't be there but the Local Branches should be able to accept CASH deposits during normal Business hours, don't you think so? This is poor Bank Management.

So this is all of the complaint. But now a few of my online payments are gon na BOUNCE and its not any of my doing since BMO/Bank of the West couldn't accept a basic CASH deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.
Product: Vehicle loan or lease

who it may concern ally financial is still showing this account is closed with a Balance .and a repo on my credit file .CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU PERMANENTLY REMOVE YOUR NEGATIVE ITEM FROM CREDIT REPORT USING MY 609 LETTERS
Product: Credit reporting or other personal consumer reports

Experian allowed a credit inquiry to my credit profile while my profile was frozen. My report has been frozen since XX/XX/XXXX as per the screenshot attached. The representative also confirmed this. The representative stated that Experian wouldnt do anything about it and that I should contact the company that pulled my report to give me a letter to have the inquiry deleted. 

The problem is Experian allowed my report to be accessed while there was a freeze on it. This isnt an problem the company that accessed my report can resolve. This is an Experian problem and should be handled by Experian. I dont have any prior experience with the company and they didnt have the right to access my file via a hard inquiry. 
Experian needs to explain how this happened, remove it from my file and ensure that it is not allowed again.
Product: Mortgage

I have filed numerous complaints in the past year and Ocwen has never tried to resolve my issues to my satisfactory. They have paid my condo association over {$25000.00}. which they should not have and added it to my escrow which I never had an escrow account to begin with and charging me almost 8 % interest on top of that. They are now threatening me with foreclosure and this issue has not been resolved. The federal government is still allowing them to rip people off with no repercussion. They have been sued by XXXX states for XXXX of dollars and still they continue to operate as they always have. They have sent me false invoices through to XXXX which, which in itself is a federal offense and punishable by law with fines up to {$10000.00} per each offense. THEY NEED STOPPED!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX a credit card was issued in my name on XX/XX/2024 for the amount of XXXX dollars I did not authorized or apply for this credit card or tXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.
Product: Credit reporting or other personal consumer reports

The student loans found on my credit report for all three major reporting agencies show a balance due. All of my student loans are currently at a XXXX balance as of XXXX this year, verified through the XXXX website.
Product: Credit reporting or other personal consumer reports

Hello, Please fix the reporting of 30 days late in XXXX of XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.
Product: Credit card or prepaid card

I have  ChevronTechron Advantage Gas  Credit Card. My payment was due on  XXXX   XXXX ,  XXXX , which was a Sunda y ( non-business day )  as well as   XXXX   XXXX   XXXX  , a recognized  US Holiday . I logged into my account today  XXXX   XXXX ,  XXXX  to make my payment as this is the first business day after my due date. My account showed that I had a late fee. I chatted with a Customer Representative who was able to waive the fee however, he argued that payments are due on the due date with no exceptions and there is no grace period. I recited Sectio n 106 ( a ) ( 2 ) of the Credit Card Act of 2009 which states, ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the  payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor  may  not treat a payment received on the next business day as late for any purpose. He again stated that payments are due on their due dates regardless. My fee was waived, however, I feel that  Sychrony Bank who issues and manages the Chevron Techron credit card should be reminded of the federal guidelines which they must adhere to. Especially because they are, in a sense, a reflection of the Chevron Techron bra nd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: 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 a " 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: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The accounts listed below need to be removed from my credit report due to erroneous reporting These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I responded to email message in payapal, stating I had received an overpayment of {$1500.00} by mistake into my linked credit union checking account, to call phone # in message. Calling # provided, I thought I was talking to paypal, who directed me to view my checking account, which showed a " pending deposit '' of {$1500.00}, and that I had to immediately repay the amount to them, or it would become a police matter against me. Person on phone directed me to buy XXXX {$500.00} XXXX gift cards at local drug store and transmit phone picture of same to them. I did so, under threat, went home and found " pending deposit '' of {$1500.00} to my credit union checking account had disappeared, and was never deposited. I then at last realized I had sent gift card money to a scammer and hung up. I was later able to retrieve {$500.00} from XXXX of the XXXX gift cards that was not cashed in by the scammers. I made a police report to my local police, filed an on line FBI police complaint and filed a fraud claim with my credit union, which was later denied. I emailed paypal several times, on XX/XX/XXXX and then sent them all documents on XX/XX/XXXX to customer service, showing I was scammed of {$1000.00} because of their negligence and failure to protect me from scam using paypal, but they denied they had any responsibility to make my money loss whole.
Product: Debt collection

This is a copy of and email dated XX/XX/XXXX to XXXX at XXXX XXXX who is representing them selves as a mortgage servicing agency. They don't answer phone calls and are trying to collect on a timeshare that was cancelled and acknowledged as cancelled XXXX XXXX years ago XXXX XXXX Resorts we have already received a refund from XXXX Resorts. 


I am writing to request your assistance in resolving an issue with account # XXXX. The circumstances surrounding this account have been confusing and concerning, and I would appreciate your prompt attention to ensure this matter is addressed appropriately. 

In XX/XX/XXXX, we purchased the XXXX XXXX points program from XXXX XXXX. This program included several benefits, such as a complimentary week at XXXX XXXX, XXXX additional free weeks at XXXX XXXX, and the ability to use points at affiliated Royal Resorts properties, including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I was also assured that the membership would integrate with XXXX vacations, allowing me to combine these points with my existing timeshare at XXXX XXXX in XXXX. 

However, on XX/XX/XXXX, I received an email from XXXX XXXX ( see attached ) notifying us that the resort had been acquired by XXXX XXXX. As part of this transition, I was informed that XXXX XXXX was no longer affiliated with XXXX XXXX, the XXXX XXXX program had been discontinued, and access to XXXX vacations was no longer available. This was a significant and unexpected change that was not disclosed during my purchase, leaving me extremely disappointed. 

After reaching out to representatives at XXXX XXXX, it was acknowledged that these changes constituted a " breach of contract '' by XXXX XXXX and in fact what was sold was no longer available.. I followed the instructions provided to cancel my membership and received refunds for the down payments and monthly payments I had made. At that point, I was assured that the matter had been fully resolved. 

Since then, I have not had any further communication until recently, when I received a document from XXXX XXXX stating that you have taken over servicing this account, allegedly from XXXX XXXX XXXX. To the best of my knowledge, I have never had any agreement with XXXX XXXX XXXX, and I believe this account was either included in error during the transfer or mistakenly listed as open. 

I kindly request that XXXX XXXX XXXX this matter and confirm the status of this account. If additional information or documentation is required to assist with your investigation, please let me know, and I will provide it. I would appreciate written confirmation of the resolution as soon as possible. 

Thank you for your attention to this matter. I trust you will address this issue promptly and look forward to hearing from you soon. 

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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to you Equifax requesting these old addresses and incorrect spellings of my name be removed from my credit report.
Product: Debt collection

I sent a letter XX/XX/21 and no response from the company ( LVNV FUNDING LLC ), I sent the actual letter the I received from credit XXXX XXXX letting them, know that I was not liable for the account because it was open due to identity theft. No response from the company.
Product: Checking or savings account

i dipute unknown transactions from atm machine that i never made i filed a claim its been more than 60 days i believe
Product: Debt collection

I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.