23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit card companies will permit people to open accounts online and apply for credit on line but they will not allow a person using the exact same credentials that they had to open the credit card on line to close it on line. Their instructions to cancel are misleading, they tell you to call in on an XXXX number however there is no choices on the message que to pick from to cancel. so you have to sit and listen to all the que and then wait for someone to finally pick up after you wait on hold for ever. Then they tell you that unless you are calling from the phone number on the account then you ca n't cancel of which you have to have information that you probably keep hidden somewhere else. closing an account should be as easy as opening an account and making it this difficult to close an account should be against consumer policies. If I an open it on line then I should have the exact same rights to close it just like I opened it with the exact same credentials. No wonder there is so much fraud out there. You make it so easy to open it and so difficult to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and talked to them on the phone and was told they would investigate and update it in 30-60 days. Nothing was changed. They claim no discrepancy was found.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want these accounts removed XXXX XXXX XXXX {$590.00} Opened XX/XX/2024 XXXX XXXX XXXX {$2000.00} Opened XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} Opened XX/XX/2024 XXXX XXXX  XXXX XXXX XXXX$4600.00} Opened XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT XXXX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.
Product: Checking or savings account

US Bank : 3rd complaint : Since opening my personal accounts back up to me last week, I still can not access my online banking or the mobile banking app for my personal accounts on my phone. I was told last week it would be opening this week. I thought I would double check that through the CFPB since you seem to be able to give me more straight forward answers here. Can you please give me a date for when all my personal accounts will open up for regular use which includes online access? 

Thank you XXXX XXXX
Product: Credit card

I paid my XXXX XXXX  bill on time in XX/XX/XXXX, but seems that due to the XXXX XXXX XXXX the amount was posted late. A late fee and excessive interest was charged on the XX/XX/XXXX bill received in XXXX even though I paid the full amount because AMEX showed it was just a few days late. I contacted AMEX and they refused to make any changes on the fees and interest. I then paid the bill in full including the late fee and interest on time well in advance of the due date. 
On my next bil for XX/XX/XXXX and received in XXXX, interest was charged at over 29 % even thought I paid in full on time. This was called trailer charges. This does not seem fair. I finally was able to have it waived, however, this is not right. I should not pay interest if I pay my bill in full and on time. I consider myself an educated consumer that has paid my credit cards in full monthly for 40 years and I am being taken advantage of by AMEX so I am sure they are really hurting poorer and uneducated people. I want CFPB to investigate why it take AMEX so long to post a payment to the account, why AMEX is able to charge 29 % interest and why after making a fee on the purchase they go after tier customers. Also, they may have held back my XXXX XXXX too.
Product: Credit reporting

I have disputed multiple items of terms and balance information and actions taken to correct. 
they have yet to correct the information. 
I have disputed payment information accuracy directly with the merchant, card issuer or origination loan company. they were informed and have not corrected. 
In addition items that should be removed due to age have not!
Product: Credit card or prepaid card

Previous complaint with cap one the company gave a response that asked to to contact needed more information on id theft and as a result closing both accounts from what the advocate said reluctantly went into detail on checking their records.
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. 

account name : 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 crime 's 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: Vehicle loan or lease

Hello CFPB, Here is a copy ( in quotations ) of my attempt to work things out with Exeter Finance. 

" Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Basically, in my letter of complaint and then again in my affidavit to Exeter Finance, I explained that the assignment that was presented to me by the car dealership was not signed nor dated by the dealership representative in order for it to be assigned to anyone or company. I also explained that I never received nor signed, nor agreed to ( or entered into ) a contract with Exeter Finance.

I wanted Exeter Finance to show validation a debt to them from me. I have asked them more than once to provide their proof to me.

Also, in my affidavit to Exeter Finance, I cited several laws that explains how they have violated my consumer rights ( including deceptive phone calls which were under a different name on my caller ID ), and I asked that they answer my affidavit with an affidavit, point for point. 
Attached to the now expired affidavit I requested that Exeter Finance would cease and desist any further collection methods/activities until this matter is resolved ; including but not limited to removing any information they have provided to the Credit Reporting Agencies about me according to consumer law.

While they have responded to my correspondences, Exeter Finance has yet to do as I asked, they have not validated any debt to them from me, or answered my affidavit with an affidavit, point for point, and they are still continuing to report false information about me to the Credit Reporting Agencies.

All they have done in response to my requests is send me a copy of my payment history along with a copy that they have of the 'unsigned ' assignment form from the dealership.

CFPB, at this point I am reaching out to you because I would like your assistance in obtaining verification of a debt that Exeter Finance says I owe them when they are clearly not the original creditor. 

Thank you for your assistance in this matter.
Product: Payday loan, title loan, or personal loan

In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. 

After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX Please refer to the above previous complaint. I have not gotten any resolution from the Bank. And they have not been returning my phone calls. 
I did everything that they asked and used {$15.00} of my own money to get an affidavit notarized. and still my {$2000.00} has not been returned. They have not returned my money since I requested it in XX/XX/2022. 

Is there a way to take them to small claims court? 
Thanks, XXXX
Product: Debt collection

Requested on XX/XX/XXXX for debt validation mailed by certified mail. I didn't receive a validation letter within the requested XXXX time frame but on XX/XX/XXXX I received a lawsuit filed by Patenaude & Felix.
Product: Credit reporting or other personal consumer reports

I notice an improper and inaccurate XXXX on my credit report due to XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here by putting you in notice of the obvious violations Bank of America has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
Product: Checking or savings account

At one point in time my savings account had a healthy balance, when my checking account would go negative I've had as many as 21 days to cover the account balance, which I did. Recently when my savings account balance was low my checking account no longer had the grace period to replace those funds. I approached the chase banker, XXXX, XXXX, about it on multiple occasions, he denied me response until I quoted directly from US Legislation, then all of a sudden he was able to reply to me, he then tried to offer me a bogus, non-regulatory explanation which makes no sense against what actually took place with my accounts. I used emails to track the communication with XXXX XXXX of chase bank XXXX XXXXXXXX XXXX
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 violating 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 and money 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 inconveniences and final loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

As private federal protect consumer I would like to point out your lack of responsibility when it comes to my consumer report. Unintentionally or intentionally doesn't matter. We are going to go from top to bottom with the Nemours of errors on my consumer report. To clear up any mix up with other peoples identity. I will include a copy of my ID, SSN and Proof of Address. First in foremost my name is XXXX XXXX XXXX ... .... Not XXXX XXXX REMOVE immediately. This is Violation Number 1. My only and accurate and MAILABLE address is XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ... .... remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated- Violation Number 2. My SSN is attached as well as you can see my SSN ends in XXXX. XXXX 's listed are not mines XXXX as shown in the documents this may be a result of identity theft or compromised info being merged with someone else 's again you failed to insure the complete accuracy of my consumer report- Violation Number 3. Violation number 4 you failed to reinvestigate this account when it opened. this account is not mines XXXX XXXX Account number XXXX only phone service I ever been with is XXXX. this maybe an result of identity theft! I will look more into this matter to gather more information on this account from them. I am unable to locate the mailing of late payments from you or the creditor of XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment is due. Please explain Who you spoke with date and time and any documents proving requirements were meant. XXXX XXXX XXXXXXXX XXXX XXXX the account number it self is undefinable and inconsistent with metro 2 compliance not only that California State Statue on debt time limitation is 4 years. its funny how there's no data for almost 5 years and then want to start to report this is defamation of character and false representation at its finest to report on a debt it lawfully cant collect which some may call XXXX XXXX. This account needs to be removed immediately. Account XXXX XXXX XXXXXXXX is not in compliance with metro 2 format.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told today by an apartment company that in my background there were two dismissed evictions. I was never informed of this before. They said it was from XXXX and XXXX. I continued to live at that apartment complex until XXXX of XXXX. I had been told by the real estate company XXXX XXXX XXXX XXXX in XXXX, PA ) that they had dropped everything and that wouldn't be showing on my record due to the nature of both of those situations. The one in XXXX I had been discriminated against at my current job and was suspended for three months for " aggressive pointing '' ; I have paperwork backing all this up along with a right to sue letter against my employer. The one in XXXX I had to have an emergency XXXX and was illegally docked by my employer ; I also have evidence backing this up too. I do not understand why these are coming up and when I called all the credit company that the apartment company went through ( TransUnion ) they stated they saw nothing on my record about dismissed evictions. I don't know who else to turn to since I am running out of options for places to live because I am currently fighting my current landlord about multiple violations and the health department is involved attempting to make him work on the house I am living in. But the conditions are extremely unsafe and without heat. Any assistance is appreciated. Thank you.
Product: Credit card

Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX Balance Owed : {$3.00}, XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a long time customer of NetSpend. I recently purchased a prepaid card and loaded {$400.00} onto it. I attempted to activate the card but could not do so through the online activation, so I called customer service. After being hung up on 3 times, and given the the run around, they told me they could not activate the card and would have to send my money back via check, ( which could take up to 10 days, and would then have to pay to have this check cashed ) I spoke to XXXX supervisors, and asked if the matter could be resolved any other way because I needed MY MONEY NOW..I asked if the check could be expedited in some way, I asked if I could just have the store I purchased the card at refund me, I asked for funds to be transferred to my bank, they refused any kind of solution other than having to wait 10 days or more, and on top of it I would be losing money in order to cash the check they send. The customer service is absolutely horrible, they are rude, unprofessional, and the supervisors lack any knowledge of how to resolve matters in a professional manner. They are completely unorganized, scammers unethical and complete imbeciles
Product: Debt collection

On XX/XX/XXXX sent a certified letter to LVNV Funding to Validate debt and company has not responded nor sent requested items.