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

Someone messaged me on XXXX selling and item. I asked questions about the item and when it would be sent. The seller answered my questions and put my worries at ease. Once I sent the money, the seller only responded once and I never heard from them again. The last response I got them stated, they would be shipping the item the following morning but that never happened. I messaged the seller numerous times trying to get them to send the item or refund my money. But that failed and never received a response. At that time the {$400.00} charge still showed pending on my Chime account, so I put in a dispute with Chime. Chime never once asked for any evidence supporting my dispute so I decided to reach out to them and get the email of where I should screenshots of the conversation I had with the XXXX seller that scammed me. I sent them screenshots of the entire conversation that included the agreed price, the date the seller said they would ship the item, my multiple attempts trying to reach the seller when they never sent the item. But even with clear evidence that I was scammed and with the charge still pending Chime denied my dispute. After that I looked online and saw that this was common for Chime and that they screw a lot of their customers out of their hard earned money or they don't protect their customers like other financial institutions. But according to Chime 's Terms of Services, they should have force charged the money back to my account once I submitted the evidence for my dispute because of how blatant it was that I was scammed. So Chime violated there terms of service by not doing what they were supposed to do in this type of situation.
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 acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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: Credit reporting, credit repair services, or other personal consumer reports

i noticed a few accounts on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have derogatory information on my three credit bureaus from XXXX, Equifax and XXXX  that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.
Product: Debt collection

You violated my rights Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in addition to previous complaint # XXXX, Summary : Equifax wants copies of my Social Security Card and Drivers License or they will not release my credit report. 
Today I received an email noting that " Equifax has completed your dispute ''. I never opened a dispute with Equifax, it was opened with the Consumer Financial Protection Bureau. I tried to log in to Equifax with the confirmation number provided to review the " resolution '' and the site will not give me access because it can not confirm my identify, which is the exact issue I noted in my CFPB claim. I used my legal name and then tried my old ( no longer legal ) name. I was taken to a page that tried to verify my information, but it was all incorrect. I noted this on the online for and I was denied access. So Equifax has my incorrect name and additional information that I can not verify is incorrect.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate AMER CR ACPT Account Number : 9012364 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate NATIONAL CREDIT ADJUST Account Number : 317 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT.

1

5 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Product: Money transfer, virtual currency, or money service

I got an automated call from XXXX ( XXXX ) XXXX Stating that they had detected fraudulent activity on my Cash App account. They asked me to stay on the line for a representative. I believe this is a scam. I hung up.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirement 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: Checking or savings account

I have XXXX checking accounts with Citibank- one that is my own, and a XXXX checking account with my partner. Initially, when we opened the accounts, we asked the accounts be " unlinked '' so we could have two separate cards. 

I set up two recurring transfers between my individual checking account and the joint account, set to deliver on the XXXX and XXXX on the XXXX of every month, for {$1000.00}. 

But when the accounts were unlinked the transfers were deleted from my online account access. Since XXXX I have not been able to see these future transfers anywhere on my upcoming online " future transfers. '' When I called about this, the citibank representative assured me that the recurring transfers had been canceled because our accounts were unlinked. 

However, the transfers HAVE been pulled from my account, despite my inability to see them. As a result, every two weeks since XXXX I have had an unauthorized transfer pulled from my account. I am unable to manage or cancel these, because they don't show up anywhere on my online account management. 

I have called Citibank multiple times to ask these transfers be discontinued since I am unable to access them on my own : I called on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I have spoken to multiple supervisors XXXX XXXX, XXXX, XXXX XXXX who assured me the transfers were canceled, however, they continue to be withdrawn from my account. Each time I call, I spend upwards of 30 mnutes on the phone having my account reviewed, each time I am told this is resolved, and every two weeks the issue persists. Each time, the supervisor I have spoken to says " they aren't sure why the issue persists. '' I am at the point of canceling my accounts with citibank just to avoid this issue persisting. I am a new parent on XXXX  leave, so it's difficult to spend long stretches on the phone with them, and because my XXXX leave payments come from different sources at different times, having surprise transfers pulled from my accounts often results in my account becoming overdrawn unless I make sure to check it every XXXX and XXXX. 

On XX/XX/XXXX, I spoke to XXXX, who informed me that the issues has persisted because the former representatives were accessing the wrong platform, and that in fact the transfers were never canceled. He assured me this time they were canceled, however, because this issue has persisted for over 6 weeks, I am skeptical about this and worried that the money will continue to be pulled from my account and this cycle will continue.
Product: Credit card

I am writing to file a formal complaint against Chase Card Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Chase has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Chase Card Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Chase Card Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Chase Card Services must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Product: Mortgage

On XX/XX/XXXX there was an unauthorized payment made on my account for {$2500.00} out of someone else checking account who made an {$1000.00} payment the week before as a favor. As soon as he called to tell me that {$2500.00} came out of his bank account, I immediately called my point of contact there, explaining the situation & she put in a request for a refund. After the 48 hours I called her to find out the status & she told me it was still pending and for me to email the XXXX department DEMANDING they refund the money. I emailed them 3 separate times with no response, the following day I reached out to my point of contact again & she then tells me it was denied & for me to call & ask for a supervisor, I did that on XX/XX/XXXX which was unsuccessful. They were really rude & she pretty much told me that theres nothing they can do about it because if they refunded it, it would bring me past due which I told them I have the money for a payment, but that Im not paying it until the {$2500.00} payment is refunded. She then tells me to just pay him back.Absolutely not.
Product: Credit reporting

Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information that is wrong and reported inaccurate
Product: Credit reporting or other personal consumer reports

XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

In XX/XX/XXXX, I made a {$4400.00} payment to American Express ( AMEX ) via a convenience check on my XXXX XXXX ( XXXX ) credit card. Basically, I did a balance transfer of {$4400.00} from AMEX to XXXX. AMEX received the check and applied the credit to my XX/XX/XXXX statement ; meanwhile XXXX added the {$4400.00} to the balance owed on my credit card with them. Shortly thereafter, by XX/XX/XXXX, I paid off the XXXX credit card in full, which included the {$4400.00}, and I closed the XXXX credit card account. Now, in XX/XX/XXXX, 6 months later, AMEX applies {$4400.00} to my statement balance, claiming that the convenience check from XX/XX/XXXX was returned unpaid by XXXX XXXX. I never received any type of refund from XXXX, and they insist that the payment was made to AMEX. I disputed the amount with AMEX several times, sending them XXXX statements and documents showing that the amount was paid, yet AMEX still claims that I owe them the {$4400.00}. On three separate occasions I requested documents from AMEX showing that the payment was returned to XXXX, and AMEX has not yet provided any documents even though they promised to. I don't know what else to do, or who to turn to for help with this issue, please help, thank you.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electric Fund Transit Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage was sold to LoanCare In XX/XX/XXXX. A XXXX company XXXX XXXX XXXX XXXX XXXX, VA, XXXX. I received a statement from them stating that my escrow account was increasing {$40.00} monthly due to my property taxes effectiveXX/XX/XXXX. - I sent several emails to them and provided them a copy Notice of Value for XXXX. XXXX County has assessed my taxable value for this year at XXXX. I did n't dispute this assessment. LoanCare is using a taxable value of XXXX ( purchase price ) which is more than last year ( XX/XX/XXXX) which was XXXX. XXXX XXXX XXXX who sold the loan told me that my taxes would be {$800.00} quarterly - LoanCare has quarterly taxes at {$940.00}. I called the County Assessor and spoke with Appraisal department and went over the math with them and informed LoanCare on all of this and requested a Advocate that their website claims to offer for assistance. They responded stating that my documentation was not sufficient and no action will be taken and the ticket numbers ( s ) are closed. They are requesting the tax bill but they are aware that they do not send them out until XX/XX/XXXX. I should not have to pay the initial escrow - for them to hold my funds and as the previous year ; just to send me a check for over {$600.00} because I have an overage in my account. <P/>Your assistance and cooperation is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting accounts included in bankruptcy and discharged incorrectly on my report and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Equifax - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.