23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Opening Account XXXX  the Chase Bank on XXXX XXXX XXXX XXXX NJ XXXX XXXX Never returned my XXXX State ID one of Two ID used to open account XXXX State ID. I sent Emails complaining, no response. In Bad faith My ATM card was never sent to XXXX XXXX XXXX XXXX NJ over 4 different times, Branch alleged it was sent. After moving to PA I requested 4 times for ATM card which was also never sent. Chase was addement on Policy of waiting period of month. After period was up Twice no card. mysteriously After 8 months & requesting ATM once again it was scent not to any address on File with chase due to " Waiting '' period I never gave XXXX XXXX XXXX XXXX PA XXXX out of fear that " Month period waiting ''. However a card was received & Once activated by me it was reported closed because Chase sent another card. Once this card was received & Activated the Card pin Was alerted as wrong according to chase. In my transaction today my pin was accepted by XXXX XXXX  on file with chase which asked for {$2.00} fee which I declined & When next door to XXXX, This ATM the same pin alerted Incorrect. A few minutes after talking to Chase '' who stated pin Incorrect " the pin worked & printed a Balance that can't process without a correct pin. The Balance showed Not Available after calling the Branch again today I was confirm the Account was Available of {$400.00}. I was told the pin was incorrect & have to wait XXXX days for a letter with A pin scent to the Address I never gave Chase, out of fear I would have to wait A Month. Furture more I letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about A platinum Card application which I never applied for. This City in PA XXXX XXXX doesn't have any chase Bank. This is why ATM Card was required. I'm filling A CIVIL RIGHTS Amendments Violation & Small Claims Case immediately in effect. Attached is Letters of Initial Submission of ATM Card Never received from Opening the Account in 2022, with A record of Letter to XXXX XXXX XXXX during These XXXX ATM card that was Mysteriously sent to Address never issued to chase because of " Policy '' of waiting a month. Now the Card that was received was closed & XXXX Card That was scent was activated & My pin was programmed Along with the first That's how I became aware the initial Card was Closed. Now Chase Alleged the pin is incorrect & is in process of sending me a letter with pin, which I obviously didn't Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

have tried for four months ( by phone and by mail ) to have obsolete/outdated/inaccurate addresses removed from my credit report with transunion credit bureau they are : XXXX XXXX XXXX, XXXX XXXX, fl XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, fl XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, fl XXXX without success, each time I am assured it will be done but each report still shows these addresses ; for prime example how could I have lived at XXXX XXXX XXXX, XXXX, fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ASKING THE CFPB TO LOOK INTO THE REPORTING PRACTICES OF EXPERIAN DUE TO THE MULTIPLE ERRORS THEY HAVE ON MY REPORT. THEIR INACCURATE REPORTING HAS CAUSED SEVERE DAMAGE TO MY ESTATE, MY REPUTATION, HAS CAUSED GREAT DETRIMENT TO MY FINANCIAL LIBERTY, AS WELL AS MY RIGHT TO LIVE. THERE ARE 21 DIFFERENT NAMES ON MY REPORT, MULTIPLE ADDRESSES, MULTIPLE PHONE NUMBERS, THEY SAY LACK OF CREDIT HISTORY IS DAMAGING MY ABILITY TO OBTAIN CREDIT BUT HAVE 2 ACCOUNTS MORE THEN 10 YEARS OLD. EXPERIAN ALSO HAS 3 CLOSED ACCOUNTS WITH DELINQIENCIES OF 150 DAYS OR MORE. AS A NATURAL CONSUMER PERSON I CAN NOT OWE A DEBT AND GIVEN THE FACT THAT THEY MADE A MISTAKE i HAVE ASKED THEM TO FOLLOW FAIR CREDIT PRACTICES AND TO PROVIDE ME WITH A CONTRACT WITH MY SIGNATURE. THEY HAVE YET TO DO IT BUT THE 3 ACCOUNTS REMAIN ON MY REPORT. THESE DAMAGES CAUSED BY EXPERIAN HAS LEAD TO HOMELESSNESS, POVERTY, AND ARE A VIOLATION OF MY PRIVATE UNALIENABLE RIGHTS. 

I DO NOT UNDERSTAND HOW THE POWERS THAT BE ALLOW EXPERIAN TO HAVE A PAID SERVICE TO REPORT ON THE PEOPLE IN THE STATE. IT SEEMS AS IF WE ARE PLAYING A GAME OF JURISDICTION WITH THESE CORPORATIONS SUCH AS EXPERIAN. THEY ARE DETERMINING BY PROVIDING FRIVILOUS INFORMATION WHAT SPACE PLACE TIME PLANE OR JURISDICTION WE ARE ON. BY ACCEPTING THE FEDERAL RESERVE NOTE FOR PROVIDING PRIVATE INFORMATION ON PRIVATE INDIVIDUALS DOES NOT SEEM ETHICAL AND ON TOP OF GETTING PAID FOR IT THEY CAN MAKE UP THEIR OWN FORMULA TO GRADE XXXX WITHOUT GIVING XXXX THE CALCULATION THEY ARE USING. CAN IT BE EXPLAINED AND HOW WOULD IT BE EXPLAINED IF A NATURAL CONSUMER PERSON HAS CREDIT BACKED BY THE NATION?
Product: Mortgage

In the month of XX/XX/2022, I feel victim to the sickness of XXXX I was in complete shock as I had done everything in my power to avoid the XXXX XXXX  I thought I would be fine but i was so wrong. XXXX hit me with all the worse symptoms, the XXXX XXXX completely disoriented me. I was starting to experience the inability to wake up and I had XXXX XXXX. I felt like i was starting to go unconscious, so I quickly grabbed the phone and called 911. I was sent to the ER immediately, the doctors were able to help stabilize my breathing. I had to say in the hospital for 2 days to feel some what functional, after that whole situation I realized a couple days later that I missed my payment on the mortgage. I was stuck in the hospital trying to cover that I didn't even think about that, what I was worried for the most was my life. I even tried calling the company later to explain to them what happen so they could give me a chance in my dire situation but they refused to help me.
Product: Credit card or prepaid card

My XXXX  defaulted 30 days in XX/XX/2022 due a XXXX XXXX 
Chase was contacted about it and issue credit other wise never late.
Product: Debt collection

I have been repeatedly contacted by the company Frost-Arnett XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) XXXX ) who demand money for a service allegedly provided by XXXX. I have already informed them that XXXX ) I canceled my XXXX XXXX Membership prior to the date of the alleged XXXX visit, and XXXX ) I was in XXXX at the time of the alleged XXXX visit and thus could not possibly have visited the XXXX XXXX location in XXXX. In their last communication they indicated that they had concluded their investigation and reported this debt to XXXX XXXX  agencies. To be clear, I dispute this alleged debt and it should not be reported to any agency. I have provided them ample documentation that they simply ignore. The amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I mailed a letter to experian demanding that the XXXX XXXX account be deleted from my credit file immediately because the balance and date of last payment is currently being reported inaccurately. The balance is incorrectly being reported at {$150.00} and the Date of last Payment is being reported as XX/XX/2020. BOTH OF WHICH IS NOT TRUE ... ..NOT ACCURATE ... ..THIS IS FRUSTRATING!!! At the conclusion of Experian 's investigation, on XX/XX/2020, Experian has chosen to let this inaccurate information remain on my file and continue to report this negative/inaccurate information in spite of me sending in physical proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a law suit against XXXX XXXX XXXX Bank in the United States District Court For the Middle District Of Florida Jacksonville Division which it's still in dispute and litigation. The Credit Bureau ( XXXX, Transunion, XXXX ) and XXXX XXXX XXXX Bank are reporting negatively on my credit report which is in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX, XXXX XXXX, AND 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 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 XXXX  XXXX, XXXX XXXX, AND 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: Mortgage

I have my mortgage set up on auto deduction. The agreement is stated as such : The payment is to be processed on the XXXX of the month, if the XXXX falls on a holiday or a weekend it will be processed on the next business day. Today is XX/XX/23 and it is already pending out of my bank account. I contacted them this morning XXXX got an attitude with me, she never offered to help, never said anything about it, never said sorry or anything. She never tried to help in the slightest. I am sick and tired of this company breaking the law and thinking they can get away with it all the time. I just recently filed a complaint against them for falsely reporting my insurance XXXX  to raise my monthly payment, and was called a liar by the manager, in which he is actually the one that was lying. I want sold or transferred from this mortgage company, i want to file a lawsuit for undue stress against this mortgage company because ever since we have had them it has been one thing after another, they cant get anything right, its causing me XXXX  and stress everyday. Always wondering what's next with them, are they going to try to take my house next? i don't trust them anymore than i can throw them.
Product: Debt collection

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report Gramm Leach Bliley Act ( GLBA ) Privacy Notice SHEFFIELD FINANCIAL a division of Truist Bank Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signedinvoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Im challenging this account with Sheffield of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the XXXX I will further pursue all of my legal remedy without further notice to SHEFFIELD FINANCIAL. I have attempted to resolve this matter formally before filing a complaint and lawsuit! SHEFFIELD FINANCIAL a division of Truist Bank actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. SHEFFIELD FINANCIAL are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH SHEFFIELD FINANCIAL. I DO NOT GIVE SHEFFIELD FINANCIAL a division of Truist Bank AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Money transfer, virtual currency, or money service

Well I have a stash account and I link it to my square cash app account I was locked out of my stash account and not told where my money is. On my cash app it say that they sent it but it never hit the card I have multiple complaints from refunds to Nothin is on the card. The bank it went to was XXXX XXXX the money came from stash capital. It total to XXXX dollars I have not seen a XXXX  all the transactions are on the page. It says complete. I can't get any word or help I earned that money and now everyone is acting like there's no way to contact these people. The transaction range from XX/XX/XXXX to XX/XX/2020. XXXX dollars total
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I did not authorize these companies to run hard inquiries on my behalf. 

XXXX XXXX Capital One
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 anc 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( 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 resolution requirements 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: Debt collection

This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.
Product: Debt collection

I had a balance of {$2800.00} from an apartment. I recently paid it in full and now I need it off my credit report.
Product: Mortgage

I paid {$220.00} to XXXX XXXX/AmeriNat for a subordination agreement for a forgivable loan ( as long as I stay in my home ) which they have refused to grant.. I need to refinance my first mortgage with cash out to consolidate {$25000.00} in credit card debt.. 
So I need to payoff my first mortgage of {$8800.00} with a refinance and {$25000.00} to consolidate but my problem is thaXXXX XXXX XXXX/AmeriNat will only allow me to refinance the {$8800.00} which does not allow any cash out for me to consolidate my debt of which I wasn't aware of at the time in XXXX 
My Income  from Social Security XXXX is only {$15000.00} per year, my home has over {$80000.00} in equity as of an XXXX appraisal, a credit score in the 700 's with 0 late payments ever and 0 derogatory remarks .. XXXX XXXX was going to loan me the cash to consolidate it all into a single payment but after waiting 4 months for a XXXX XXXX  closing date, XXXX XXXX/AmeriNat destroyed any chance for me to survive.. Banks choose not to be in 3rd position and I don't have {$8800.00} to pay off the First Mortgage with XXXX XXXX.. My days are numbered when It shouldn't have to be.. 
Thank you
Product: Credit card or prepaid card

I earned a {$200.00} prepaid reward card via MyAcuvue Rewards. I did not activate it, and it expired. Months later I reached out to customer support and was issued another card, most likely because I never activated the first card. I got a new card issued on XX/XX/2020 for {$200.00}. There was a digital token attached to it and, there was a link to MyACUVUE Digital Rewards to activate the card. I activated the card, set up a username/password. Recently, I wanted to check the balance of the card, or at least see the payment history because I wasn't sure if I'd used it or how much was left. When I tried to access the card, I found out the company closed the account or it became expired. I contacted customer service and they basically said that if the prompts on the log in state it's expired they will not reissue it. I am mainly upset, because it has been less than a year since re-issue date, and I don't feel like it should have expired that quickly. If I had used the funds, and it was empty that's fair, but I can't even see the purchase history. I feel like I should be able to see this history given that I had the card issued to me. I am asking support to reissue the card ( especially if i had unused funds ) or to at least grant me access to the use-history to reassure myself that I had or hadn't used it.