23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never noticed I have a collection balance on my account. So I paid it off I just need to remove that from my collection.I know this is not mine is owned by some other company but it still seems it's my name so I had to pay. But they didn't remove from my credit
Product: Checking or savings account

I am writing to lodge a formal complaint against Chase ( JPMorgan Chase Bank , N.A . ) and XXXX XXXXXXXX XXXX for their handling of a transaction and subsequent dispute that I believe constitutes unfair and deceptive trade practices. 

In XX/XX/2023, I attended the XXXXXXXX XXXX XXXX, where I purchased dance shoes from XXXX XXXX XXXX. The merchant did not inform me that the sale was final. They did not have my size in stock, so they ordered a pair to be delivered to my home. Upon receiving and trying the shoes, I found they caused significant damage to my feet. When I contacted XXXX XXXX XXXX for a refund, they initially refused but later agreed to process a refund upon receipt of the returned shoes. I complied, sending the shoes back at my expense and providing them with the tracking ID. 

However, the situation escalated when I received an email from XXXX XXXX XXXX instructing me not to send the shoes and stating that the return window had closed, a condition never previously mentioned. Furthermore, they demanded additional payment for the return of the shoes. 

Feeling defrauded, I contacted Chase to report the incident and seek a chargeback. Chase initially asked me to await a letter for further instructions. After a delay and miscommunication regarding the letter 's delivery, I was informed that my case was closed and I could no longer submit any evidence. 

This situation has left me without the product, out of pocket for the initial purchase amount of {$210.00}, and feeling utterly disregarded by both Chase and XXXX XXXX XXXX. 

I am seeking your intervention in this matter to : 1 ) Investigate the practices of XXXX XXXX XXXX regarding their sales and return policies. 
2 ) Review Chase 's handling of my dispute, which I believe was not conducted with due diligence. 
3 ) Assist in recovering my funds and addressing the consumer rights violations I have experienced. 
Enclosed are copies of my correspondence with Chase and XXXX XXXX XXXX along with any relevant documentation that supports my case. 

Thank you for your attention to this matter. I trust that the Florida Department of Agriculture and Consumer Services will take the necessary actions to rectify this situation and prevent similar incidents from occurring to other consumers.
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 unprotective. Furthermore, their despute desolution process was unfair and deceptive, as the 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 appropiate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a XXXX XXXX REPORT ASASP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I never had this debt ... I have asked them to validate it multiple times and they won't ... They keep saying that they sent me debt validations, but haven't ... I asked them to email it to me, they said that they don't have access to email ... Said that they have never had email access ...
Product: Debt collection

I received a letter threarning legal action for a credit card debt from XXXX XXXX. 
I never signed an agreement nor do I owe them as they keep sending harassing letters.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Open Sky you furnished alleged transaction on my { XXXX, TransUnion, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XX/XX/year> XXXX XXXX  Account # XXXX XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

Portfolio Recovery has reported 2 accounts on my credit report that do not belong to me. They have reported that I owe debts to XXXX XXXX for one account in the amount of {$420.00} opened on XX/XX/XXXX and another account to XXXX XXXX in the amount of {$1300.00} opened on XX/XX/XXXX. I never opened these accounts with XXXX XXXX, they do not belong to me. I disputed both of these items through XXXX dispute requests and they reported back to XXXX that these items were accurate. This is a false reporting and I am demanding that these items be removed from my credit report immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 antedates 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: Debt collection

On XX/XX/XXXX I had a missed call with from XXXX. I returned the call and a man that identified himself as XXXX at ext XXXX questioned my name, and birthdate. I verified that his information was correct. He went on to ask if I ever had a XXXX account, and I said no. He said that a loan was taken out from XXXX in my name for {$1700.00} and the money ( apparently ) was put into XXXX account. Caller stated his company purchased this account from the Delaware bank. I told him to send me something in writing for me to further review. As it turns out from a little research, the Delaware bank he claims to have bought this from has been defunct for years. FDIC pulled out XX/XX/XXXX or earlier. The whole thing sounds like a scam to me.
Product: Debt or credit management

In XX/XX/XXXX I received a call from a gentleman named XXXX XXXX asking me about my inquiry for a debt consolidation. He stated his company Cordoba Legal Group could assist me. I would be paying {$550.00} a month. After six payments were made, his group would pay off the remainder of the debt, and I would be paying them at a lower amount until it's paid off. After six months of timely payments he then stated I would now have to qualify for that debt consolidation. He told me to stop making payments as they are in discussion with creditors and as a result, my credit score suffered the interest was never stopped and they kept accumulating. In XX/XX/XXXX XXXX XXXX stopped taking my calls and would not return messages I left for him. I started calling the Cordoba Legal Group directly and they informed me that I would again have to qualify for the service to be paid off. For a further nine months I was making the {$550.00} payments and finally they told me I did not qualify for the loan to pay off my bills. And they were not talking with my creditors and my interest kept accumulating so I stopped paying them and informed them I wanted out of the agreement. I feel they were dishonest in their dealings with me and I have suffered further economic hardships as a result of trusting them to do what their advertising stated
Product: Credit reporting or other personal consumer reports

I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.
Product: Credit card

am filing a complaint against capital one due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). And not accepting card payments but still charging Intrest
Product: Checking or savings account

on the XX/XX/2020. the was hacker into my checking account, and use app " XXXX  '' to sent money out my account ( one times for XXXX and XXXX ) early XXXX around XXXX XXXX I dicovery it then Call ussaa bank to complain. they said open the fraud clamp and help me reset account XXXX XXXX. I did change password, security code. I did not I don t use " XXXX  '' and like to remove it but they insist that is part of the bank. 
Next day when I check my account again the is total " six transfer " money out my account USING XXXX same receicers. 2 of them did go throught and 4 is stop and did return back to my account.time hap ) pen is within 3 min ( from XXXX to XXXX XXXX USAA BANK later issue letter state they found no evident fraunt found on my account. and refuse to refund my money. total around XXXX I did talk to IT guy in USAA and he said hacker used diference device hack into account I did call USAA AGAIN on friday but tey said decicion have been made. there no fraud on my account I like to help me how to get my money back from the bank and where Ican go for help
Product: Student loan

My loan is with Navient, and my payments were {$31.00} a month for a year, I resubmitted my " Income driven repayment '' application and they told me that it would take up to 15 days to recalculate my payment. Well the next month ( XX/XX/XXXX ) {$210.00} was taken out of my bank account. I contacted them on XX/XX/2017 and was told that they would refund my money. Three phone calls later and it is now XX/XX/2017 and my money still has not been refunded. I know that I am not the first person that this has happened to, and being that I 'm not wealthy, I need my money to buy groceries, gas, bills, etc.. Navient needs to find a way to get refunds back faster to their customers. It was taken out of my bank account, but they say their mailing me a check? Why? I did n't pay by check, and it takes 2-3 weeks for processing. Also, when they determine the amount you are due to pay, they go off of your Net pay, instead of Gross pay. Do they not know that we have taxes, SS, retirement, insurance, ect.. taken out of the Net pay? I really want to pay off what I owe, but I will not go broke for them, and my balance is the same now as it was in the beginning. This loan repayment system ( Navient ) is feeling more like a scam.
Product: Credit reporting or other personal consumer reports

I am reaching out again to highlight my serious concern to EQUIFAX about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Mortgage

Complaint number : XXXX. 
The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. 


I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. 

The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Debt collection

The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.
Product: Credit reporting or other personal consumer reports

TransUnion willful non compliance caused me unjust enrichment by committing aggravated identity theft. By using my personal information with out any lawful authority- generating a credit profile which is not applicable by federal law. For months TransUnion failure to follow the laws that was out in place by congress to protection citizens personal information- TransUnion ignored these violations- and continues do so - witch left me with no choice but to move forward with a civil suit for the damages TransUnion has caused me
Product: Credit reporting or other personal consumer reports

Company is still reporting inaccurate information on my credit report. 


Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor.

Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! 


XXXXXXXX XXXX dictionary CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. 
debtor to defer payment of debt or to incur debt and defer its debt. 

DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. 

CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. 

INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. 

DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every XXXX  member of the species homo sapiens who is born alive at any stage of development. 


DEBTORS are FICTITIOUS entities. 
NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. 

A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions