23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Yesterday subsequent to a pending '' '' investigation vs chase n their dealings and after my cfpb reporting, n " PRIOR-TO-THAT '' I WAS TOLD MY DISPUTES WERE PENDING YET MY RECEIPTS ALONE TELL A DIFF STORY, ONE SAYS XXXX $ ANOTHER ONE SAYS $ XXXX (? ) {$10.00}, SOMETHING, I RECALL TAKING OUT XXXX $ BUT NEVER {$3500.00} MATTER FACT GETTING RIGHT TO IT THIS BANKS GUILTY OF " DESTRUCTION OF EVIDEMCE ( I.E. THE CARD ENDING XXXX, BEGIN GIG ,XXXX EXP XX/XX/XXXX(? ) YEA YESTERDAY I WENT TO THE BANK BECAUSE NOT ONLY HAS THIS BANK VIOLATED MY P.O.A ACCOUNT N MY MOTHERS LAST YEAR ACCOUNT DATA WITH XXXX!! VERIFICATIONS ON TELEPHONE BUT THE " UNLAWFULLY, WITH NO LICENSE N ILLEGALLY FROZE, SEIZED MY ACCESS TO MY CASH MY FUNDS ETC WITH NO ACTUAL PURPOSE OTHER THAN TO HARRASS ME, N TO RETROACTIVELY " COVER THEY XXXX XXXX XXXX BY FORCING, SCREAMING AT XXXX, THREATENING, XXXX, TO ANSWER QUESTIONS I COULD N'T, N MAKING ME " REDISPUTE '' THINGS FOR THE CORRUPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PURPOSES OF " BY SUCH SAID REDISPUTING, IT WOULD LEAD TO CARD BEING CANCELLED OR DESTROYED TO FURTHER HARM XXXX, DURING THESE PROSECUTORIAP SOON TO BE FINALITY OF OUR CFPB INVESTIGATIONS. I DEMANDED THEY NOT DESTROY THE CARD N REFUND MY $ XXXX {$3000.00}, &, {$110.00} IMMEDIATELY PLUS PENALTY THIS NEVER OCCURRED N STEAD IVE BEEN WE HAVE BEEN GETTING '' BLANK DOCUMENTS, EMPTY RESPONSE FRAUD LETTERS JUST LIKE THEIR SCAMMY FRAUD FILLED ATMS, TAKING PINCODES ISSUEING " XXXX MONEY '' THEN CONSPIRACTORIALLY '' WEEKS LATER- '' IM SHOCKINGLYEE, XXXX XXXX XXXX ( - ) AFTER THE 3PARTY CALL WITH # XXXX  EMPLOYEE AT XXXX CCARD VERIFICATIONS WHERE XXXX ON BEHALF OF CHASE DISPELLED! ALL MY INFO FUNDS ETC STATING {$4700.00}, ON CONFCALL , ) YET NEXT DAY XXXX $ WAS MISSING, THEN ANOTHER {$110.00} FOR GOODS ORDERES I NEVER GOT, THIS BANK AS PREVIOUSLY STATED BEFORE IS GUILTY OF ALLOWING NONNAMEMATCHING, TRANSACTION 'S NOT MATCHING CARD TO OCCUR, WHICH IS BIG FRAUD N FINE WILL ENSUE.EACH REPORT I MAKE IRONIClly from a " Straw '' XXXX, I get " after-fact notices n intimidation calls letters from chase no promising resolution or loan car help at all.therefore chase JP Morgan etal has gotten itself in XXXX '' and Its Scolding!!, .the account was opened with XXXX XXXX $ check, chase allows also cracking '' ccard, by their ATM 's n misquotes, innacuracies, its records to support its unlawful no licensed debt collevting '' chase is guilty off civil rights violations over week denied access to funds n any sense '' 2201-section 1968 civ rights statutes, n guilty of a breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4XXXX / XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I went in XXXX trying to do a consumer credit transaction to acquire an asset. A application was done the company stated that I needed to put {$8000.00} down. I asked the company did they operate under TILA. They stated yes they did. I know in a consumer credit transaction that a specific down payment is required in connection with any extension of consumer credit, unless the CREDITOR usually and customarily arranges downpayments in that amount.
Product: Debt collection

LVNV FUNDING LLC, at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$650.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.
Product: Debt collection

XX/XX/2022- XXXX XXXX contacted my stepfather, XXXX XXXX and my ex-wife XXXX XXXX about my debt and relayed personal information concerning the debt. 

XX/XX/XXXX XXXX XXXX contacted my stepfather, and my ex-wife about my debt and relayed personal information concerning the debt. Also asked for a payment from my ex-wife, whom has no connection to this debt. 

XX/XX/2022 I contacted the Floor Manager XXXX XXXX and requested the harassing phone calls to XXXX parties stop and that only I be contacted. I requested that proof of the original debt be provided to me. Only balances and name of original creditor were provided, not the proof of original debt as required by law and the phone calls to XXXX parties have continued. 

XX/XX/2022 XXXX XXXX contacted my ex-wife, and discussed my debt with her again. 

The contacting of XXXX parties has caused considerable problems for me both personally and professionally as my stepfather is also a sometimes employer of mine and it is imperative that I maintain his confidence and my ex-wife feels that I am causing her to be harassed. 

I have been making steady payments in good faith to pay this debt and the harassment is completely unnecessary.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Mortgage

Rocket Mortgage shut off all access to financial information from any software except their own in an effort to force clients to purchase their own software, " Rocket Money ''. They are using a large mortgage client base to close down other financial software companies. The development of Open Banking standards is not to be taken lightly in how it assists the general public with managing finances and it should definitely be investigated if a company is actually shutting off their access to Open Banking standards in an attempt to force the general public to purchase their own products.
Product: Credit reporting or other personal consumer reports

Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.
Product: Consumer Loan

Credit Concepts a third party CONSUMER lender gave an approval to finance XXXX to cover the remaining amount of a vehicle we could n't pay in cash. We fiilled out a consumer application for a vehicle loan. AutoTrack the dealer let us know they Credit Concepts declined to lend XXXX more then XXXX as credit concepts said the amount we were asking for was out side " their '' first time buyer max of XXXX. We could only pay a max of XXXX cash so the dealer on his own account sent them a fraudulent claim of a possible security interest in a trade in vehicle we have never owned this made the deal look sweet enough to prompt Credit Concepts to up the amount they would loan to us by an extra XXXX for a total amount of XXXX. It states in all the financial documents that our XXXX was due at the same time funding was released for the XXXX evidencing this was not a sale at " retail '' or an extension of credit from the dealer. This was not a RSIC up for purchase nor assignment this was direct lending from credit concepts to provide my husband with the remaining amount of the vehicles selling price we could not cover with cash to buy the XXXX at no point did the dealer ever intend on being the XXXX " financing '' the deal! Credit concepts has a Consumer lending license under the state of Washington and the ability to purchase " contracts '' however, there is XXXX material element that would be required to " purchase a contract '' and that would be A PRE-EXISTING CONTRACT TO A ALREADY COMPLETED TRANSACTION. I can have my attorney provide copies of the contract if need be i will be attaching the financial paperwork. There is a consumer application for some reason when they sent us a copy they cut off the bottom part where is was signed anyways the bank named is XXXX XXXX bank now referred to as XXXX Bank and its creditor associates namely being Credit Concepts in our case. I provided a copy of the VPO that the dealer sent over as a deal sweetener with a security interest trade in of a jeep compass. I also included the denial and then approval letter from the lender Credit Concepts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im contacted XXXX XXXX XXXX XXXX In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX  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: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are mistakenly reported as such.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Remove Inaccurate Data and Expedite Resolution Due to Data Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB Representative, I am writing to formally request the immediate removal of inaccurate information reported on my consumer credit file by XXXX, XXXX AND XXXX. 
Upon reviewing my report, I have identified multiple inaccuracies that do not reflect my financial history or account activities. Furthermore, as a confirmed victim of the recent XXXX XXXX XXXX, my personal information was compromised. This breach has directly impacted my credit profile, resulting in erroneous reporting that has caused significant harm to my financial stability. 
I respectfully request that the CFPB initiate an investigation and ensure that these inaccuracies are promptly corrected. In light of the data breach and the sensitivity of my compromised personal information, I request that all necessary updates be made to my credit file within XXXX ( XXXX ) business days of receipt of this notice, rather than the typical thirty ( XXXX ) days allowed under the Fair Credit Reporting Act ( FCRA ). 
Below are the inaccuracies I have identified : XXXX XXXX XXXX-Original creditor { reporting inaccurate dates, agreement termed in XXXX, creditor didn't start reporting until XXXX with inaccurate dates, disputed several times. Creditor refuses to update with accuracy EASTERN ACCOUNT SYSTEM, INC.-Original creditor { no media provided, inaccurate error. No account with them } XXXX XXXX XXXX { no account, open fraudulently } As a consumer, I am entitled to accurate and fair reporting. The ongoing presence of incorrect information on my credit file is causing undue hardship, including the inability to secure credit, higher interest rates, and reputational damage. 
In accordance with the FCRA and related consumer protection laws, I request : Immediate removal of inaccurate data from my credit report. 
Written confirmation of the actions taken as a result of this dispute. 
Timely communication regarding the status of my request to ensure that the issue is resolved within the requested timeframe. 
Please confirm receipt of this letter and provide me with an update regarding the status of my dispute. I appreciate your prompt attention to this matter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Theirs addresses on my file that I don't have any contact with, I wrote to them and told them that i have one address, and one name and that i would like them to remove them other address of my credit file, as too I have one employment and no phone number.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXX my son attempted to send {$20.00} to his cousins XXXX XXXX XXXX When he saw that the name changed during the transaction To a different XXXX XXXX XXXX because that has never happened before during a transaction transfer. 

He immediately tried to cancel but cashapp sent an email claiming {$200.00} failed for your protection. 
My son confused because how did the entire amount in his account went to a completely unknown XXXX XXXX XXXX XXXX 
Since this person is unknown and isnt a family member. 
Since he received an email claiming the money was sent back into his cashapp account, he checked his cashapp account but there was no money. 

Upon checking the money was completed within a minute! @ XXXX on XX/XX/year> How is this? If no one sent money to this XXXX person? 


We call cashapp customer support and were explaining what happened. 
Customer support claimed they could help but need more information. 
We were advised to request a refund from XXXX XXXX XXXX while on the phone with customer support This stranger ends up declining the refund request @ XXXX XX/XX/year>. 
Cashapp claims they cant help! Since it was up to the stranger to send the money back.?! 
I get upset and cashapp support hangs up. 


I decided to send visual proof of screenshots of emails, account details of history on transactions. 
Cashapp ends up claiming that : : : This payment is not registered in your sons account So we sent proof of email from cashapp to my son claiming {$200.00} was refunded back into your cashapp account for your safety. 


Then cashapp claimed Oh, that happened but it didnt happened within the same hour. 
Huh? Why are they even mentioning that? 

I send them proof of times of XXXX failed attempt, XXXX money went missing into strangers account without a manual transfer. 
And I send them proof of decline of request for refund at XXXX by the stranger. 


So cashapp now says Well your son sent the money to the person a second time. @ XXXX and its on your sons transaction history. Your son sent money to the person when the person requested {$200.00} from your son I send proof of transaction history and there is nothing about a requested of {$200.00} from that stranger to my son! a second transaction sent within a minute? my son and I was already conacting cashapp through emails by then. 
My son isnt a tiny little toddler to be sending money to strangers. 

There is no absolute proof of a requested {$200.00} from this XXXX XXXX XXXX Cashapp wont acknowledge my sons transaction history showing that there was NO REQUEST OF {$200.00} FROM THIS INDIVIDUAL AND REQUEST WAS ACCEPTED FOR {$200.00} @ XXXX FROM MY SON!
Product: Credit card

on XX/XX/XXXX they charged me {$39.00} for a reverse payment and I checked my bank account and I had enough money to cover my statement so I don't know what happened but they refuse to refund me the {$39.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, EXPERIAN AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Product: Debt collection

Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.