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

On XX/XX/year>, at XXXXXXXX XXXX., I successfully made a paper money deposit of {$59.00} at XXXX to my CashApp account. I have frequently utilized this option to add funds to my account without issue. However, when I attempted to make another paper money deposit on XX/XX/year>, I was no longer provided with the option to generate a barcode necessary to add funds. It appeared that the option to add paper money had been completely removed from my account. 
I promptly inquired with CashApp customer support regarding this matter, but their responses were vague, and they refused to provide any explanation or assistance as to why my account was no longer eligible to receive paper money deposits. This lack of transparency has significantly affected my ability to use the service. 

It has come to my attention that I am not alone in this experience ; many other consumers are facing similar issues. CashApps removal of this feature without proper notice or full disclosure constitutes a failure to provide adequate communication regarding material changes to their product. This is not only misleading but could potentially be deemed deceptive business practice. 

I am requesting that CashApp reinstate my ability to make paper money deposits, as this was a key feature of the product that I relied upon. Their refusal to provide transparency on this matter raises concerns about the fairness and legality of such actions.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting i

s 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit card

Was notified by Capital one that my card was locked due to fraudulent activity back on XX/XX/XXXX but still had fraudulent purchases continue on XXXX I called capital one fraud department and they keep asking me for a XXXX  XXXX XXXX statement they I don't have and never had a XXXX  XXXX XXXX account now they tell me I am liable for the charges and can't unlock my card to see the charges please help me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint regarding an incorrect address listed on my Experian credit report. The address currently listed is : XXXX XXXX XXXX, XXXX, GA XXXX This address is incorrect and appears to have been added fraudulently due to the XXXX data breach in XXXX. My correct address, which should be the only address listed on my credit report, is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure that consumer reports contain only accurate and up-to-date information. This incorrect address is a violation of my rights under the FCRA. 

I have contacted Experian to dispute this error, but it remains unresolved. This incorrect information on my credit report may cause issues with verifying my identity or accessing financial services. 

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that Experian updates my credit report to reflect my accurate address. Additionally, I request confirmation once the correction has been made and assurance that no other unauthorized or inaccurate addresses remain on my file. 

Thank you for your assistance in resolving this issue. 

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

Incident Description THESE COMPANIES ARE VIOLATING MY NATURAL AND RELIGIOUS RIGHTS BY THE USING OF MY PRIVATE AND PERSONAL IDENTIFYING INFORMATION FOR THEIR USE IN COMMERCE WITHOUT MY CONSENT NOR ARE THEY ABLE TO PRODUCE A CONTRACT TO THE CONTRARY. 

ACTING CEO, CFO XXXX XXXX XXXX XXXX {$7300.00} ACTING CEO, CFO XXXX XXXX {$1200.00} ACTING CEO, MIDLAND CREDIT MANAGEMENT {$1200.00} ACTING CEO XXXX XXXX XXXX {$140000.00} ACTING CEO XXXX XXXX, XXXX.Address : XXXX XXXX XXXX, XXXX XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX , XXXX. Address : XXXX XXXX XXXX XXXX, OH XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX {$5000.00} ACTING CEO XXXXAddress : XXXX XXXX   XXXX XXXX XXXX, TX XXXX {$5000.00} ACTING CEO XXXX  XXXX. {$5000.00} ACTING CEO XXXX  XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX. {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$5000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX ON XXXX XXXX XXXX  2. AUTO LOAN FROM XXXX XX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT : XXXX  XXXX BANKRUPTCY XXXX
Product: Debt collection

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Product: Credit card or prepaid card

I've been repeatedly denied for lines of credit through companies which use Synchrony Bank as their credit provider. 

I have a XXXX XXXX and XXXX XXXX credit score using XXXX XXXX. I currently have a 19 % credit utilization, an average account age of XXXX XXXX, 0 derogatory marks, and a 100 % payment history. 

For instance, in XX/XX/2021, I applied for an {$800.00} line of credit on Guitar Center through Synchrony Bank, but was instantly denied for " High risk source of application ''. I first called Guitar Center which said they are unable to do anything and everything must go through Synchrony Bank. I called Synchrony Bank and they are unable to provide any information other than a mailer which would be sent to me. The mailer said the reason for denial was " High risk source of application ''. Synchrony Bank was unwilling to provide any further clarification. 

In a more recent case, in XX/XX/2021, I applied for a {$2000.00} line of credit on XXXX Store through Synchrony Bank, but was instantly denied for " High risk source of application ''. I was sent through the same ringer with an inability to have " High risk source of application '' clarified.
Product: Checking or savings account

To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Subject : Complaint Regarding Unresolved Dispute with Chase Bank Dear CFPB Team, I am writing to formally submit a complaint regarding Chase Banks handling of unauthorized transactions on my account. Since discovering these suspicious transactions, I have made multiple attempts to address the issue with Chase, but they have denied my requests without conducting a thorough investigation or providing a satisfactory resolution. 

During the time these transactions occurred, I have been in the United States and have not traveled abroad. This leads me to believe that these transactions were made without my authorization, likely due to identity theft or fraudulent activity. Although I have provided Chase with evidence, such as proof of my continuous presence in the U.S. and other supporting documents, the bank has refused to take further action.

To assist CFPB in understanding this issue, I have gathered all relevant transaction details, including dates, amounts, and merchant names. Additionally, I have kept records of all communications with Chase Bank, including phone calls, emails, and official correspondence. I have uploaded these documents for review and hope that CFPB will intervene to help resolve this matter. 

I chose Chase Bank because I believed they would protect the interests of their customers, but this experience has been disappointing. I respectfully request that CFPB reopens the investigation and ensures that the bank conducts a more thorough review to recover the funds lost due to these unauthorized transactions. 

Thank you for your attention to this matter. I appreciate CFPBs commitment to protecting consumer rights and look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

I entered in a consumer credit transaction with JPMorgan Chase Bank in XXXX of 2015. 

I have been making payments over the past five and a half years ONLY because JPMorgan Chase Bank failed to adhere to 15 USC 1692g. ( a ) and send me a written notice within the first five days following initial communication, stating that I had the option and RIGHT, as a protected consumer, to dispute the validity of the alleged debt. 

Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt, shall not be construed as an admission of liability.

To add insult to injury, despite collecting payments and interest over the past five and a half years over an alleged debt, JPMorgan Chase Bank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, JPMorgan Chase Bank never notified me of my option to opt out from the reporting process or gave instruction on how to do so thus further disregarding and violating my rights. 

All of this to say that the alleged debt was never mine to cover much less be defamed over.
Product: Credit reporting or other personal consumer reports

I have taken the necessary steps by sending certified letters to both the ( XXXX ) credit bureaus and the original creditors to dispute the inaccurate information that has been reported, particularly regarding the accounts that were included in a debt relief program. Prior to the covid pandemic, my credit was something I took great pride in. It was explained to me that it is not common for negative information to be reported while you're making timely payments through a debt relief program, and that my creditors would report my account as current or in good standing if I meet the terms of the agreement. Therefore, in an effort to preserve my excellent credit, I entered into a payment agreement on XX/XX/year>, which was successfully completed as scheduled. I have requested that the creditors review the payment history and adhere to the laws that protect consumers who had impeccable credit prior to the restrictions imposed by the XXXX pandemic. On XX/XX/year>, the CARES Act was signed into law, which included provisions to protect consumers ' credit during the pandemic. The Fair Credit Reporting Act ( FCRA ) was amended to prevent adverse credit reporting due to XXXX, as outlined in section 15 USC.1681s-2 ( a ) ( 1 ) ( F ). This provided some reassurance and relief for individuals like me who were facing financial challenges during these unprecedented times.
Product: Credit card

Discover will not consider a credit card dispute fairly. They have blindly accepted the merchant 's perspective without listening to my narrative or side. Additionally, despite being provided evidence and a statement that the charge was not authorized, they refuse to charge it back to the merchant. The transaction I am disputing involves a product not delivered. Under the Fair Credit Billing Act, I am entitled to a full credit in this event. Discover refuses to issue this credit.
Product: Credit reporting or other personal consumer reports

For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.
Product: Debt collection

I had a personal loan through upgrade clear back from XXXX. I made payments on it and then stopped getting communication from upgrade. So I called them and they had sold the account to Crown Asset Management. Well I called several times leaving voicemails and then went on their website and sent email communication. I was trying to set up a plan with them since XXXX of XXXX. To this day XX/XX/XXXX I have not received an email or call or anything in the mail. Then the first week of XX/XX/XXXX I got a collections notice from XXXX XXXX XXXX XXXX stating that Crown Asset turned me over. I tried for 6.5 months to get a pay plan and the letter from XXXX XXXX XXXX  is the first contact I have had from anyone. I never got anything from XXXX stating that they had turned it over to Crown Asset.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced our mortgage from Ally Bank to XXXX XXXX. The account at Ally Bank closed on XXXX XXXX, XXXX. We still have not received the funds that were in our escrow account with Ally Bank XXXX over 30 days after closing ). Ally Bank said they sent a check on XX/XX/XXXX and we would receive within 4 business days. They don't have a tracking number