23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the Gramm-Leach Act I was not given the opportunity to opt out by law the XXXX XXXX XXXX was supposed to provide various notices and meet specific opt-out requirements which they have not Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless ( i ) the institution satisfies various notice and opt-out requirements, and ( ii ) the consumer has not elected to opt out of the disclosure. Section 503 requires the institution to provide notice of its privacy policies and practices to its customers. Section 504 authorizes the issuance of regulations to implement these provisions. change the above late payments from my consumer report to the current this agency is in violation of the Gramm-Leach-Bliley Act Failure to respond satisfactorily with a change to payment status, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, Financial institutions found in violation face fines of {$100000.00} for each violation.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello. On XX/XX/XXXX, I visited the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I requested to open savings and checking accounts and provided my XXXX driver 's license and EAD ( work authorization ) as identification. Since XXXX could not issue cards on time, they provided certificates, which a California notary notarized. However, the bank worker refused to proceed with the account opening, citing that my card was expired. When another banker came, she reiterated the same refusal. I felt this was incorrect because I can legally work with those Chase people and should be able to open an account for my salary in Chase. I felt discriminated against.

Afterward, I went to a different branch, where they quickly opened both accounts without any questions. 

Today, I left a complaint at the original branch, expressing my feelings of discrimination and suggesting improvements to help other customers facing similar issues. However, a few hours later, I received a message from Chase stating they needed additional information and would close my account. It seemed to me that they wanted to limit my freedom of speech. If further information was required, why was the account opened without issue initially, and why were there no problems until that moment? This situation appears arbitrary to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX, Experian and XXXX. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Product: Debt collection

The attached documents were sent certified XX/XX/XXXX and shows as being received. They send a letter in return but NEVER do they tell me what month in XX/XX/2018 was delinquent. This account was Discharged XX/XX/2018. It was proved to discharge that XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 were paid. 

Then I received the other attached document threatening me to pay {$2000.00} by XX/XX/2018. 
I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} ( XX/XX/2018 ) I then paid {$2000.00} ( under the reservation of rights law - XX/XX/2018 ) I paid XX/XX/2018 mortgage {$1100.00} So what month is the {$2000.00} for? Not to mention the amount is well above the amount of my mortgage! My bank statements stand proof of this and have been sent to Seterus , Inc . They will NOT answer the question! They blame my lawyer who discharged the bankruptcy, but NO motion of cure was needed since it discharged as all months were proved paid! 
So again, WHAT month is Delinquent? I want the month in XX/XX/2018 that was delinquent as per their letter reads when they threatened to accelerate the loan! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. I did not initiate these accounts, nor do I have any knowledge of their origins. As per USC 1681g, I am formally requesting their deletion within 15 days. The relevant documents are attached for your review
Product: Debt collection

I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, and XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was an XXXX XXXX. Due to the COVID restriction, I wasn't able to enter into USA and had to stay in my home country. I stopped using my BofA account. Then I was charged monthly maintenance fee and withdraw limit fee, overdraft fee in the amount of {$330.00}. I have attempted to call BofA to close my account and request fee waiver via international phone call, but the request was declined immediately. 

here are the charges details : Date Description Amount XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$40.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$20.00}
Product: Checking or savings account

I am writing to file a complaint aganist Navy Federal credit union regarding multiple overdraft fees I have incurred.

Despite having sufficient funds when transactions were authorized. I was charged fee due to issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I have been a coinbase account holder for more than 5 years. I did all my verifications and recently, 2 months ago, they put my account under review not allowing me to buy or sell any of my crypto currencies. I have called more than 3 times and each time I was told to be patient, but with crypto currncy I need the abilty to sell and buy when market dictates. I need help getting my account cleared so I can do what I need.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Chase and closed our Sapphire Preferred credit card in order to go back to using our XXXX Reward account. Before closing the account I asked the representative if we would lose our reward and she explained that the points would not be lost. On XX/XX/XXXX I contacted Chase to redeem our Sapphire rewards and they informed me that the points were lost. I explained that I was not informed at the time of closing and they should listen to the recorded call on XX/XX/XXXX. They said they would refer to the marketing department and respond within 7-10 days. I received a letter from Cardmember Service which states " according to the terms and conditions of the rewards program agreement, customers have 30 days from the date of the account closure to redeem rewards. '' I've read the agreement and it states " your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program. '' I contacted Chase on XX/XX/XXXX and spoke to XXXX and explained the situation again and she stated the same explanation that was given in the letter. I asked to speak to the marketing manager who would be responsible for the response however they have no customer contact. In summary : I was misinformed about losing XXXX points ( {$210.00} ) on XX/XX/XXXX when I closed the account. If I had known we were to lose the points we would have asked for the points to be redeemed at that point in time. Please assist us with this issue and advise us of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To update this suspicious information, I filed this report. I shall take legal action against 3 Credit Bureaus if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Failure to Investigate and Update Credit Report TransUnion I am filing a formal complaint against TransUnion for failing to investigate and update inaccuracies in my credit report history and account balances, despite my dispute submitted in XX/XX/year>. TransUnion is the only credit reporting agency that has not updated my payment history and credit amounts, while XXXX and XXXX have accurately reported the corrections. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), TransUnion is legally required to investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) and correct or delete any inaccurate, incomplete, or unverifiable information. However, they have failed to do so, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation. Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of credit information must report accurate data, yet TransUnion continues to reflect incorrect payment history and account balances. This inaction not only violates the Consumer Financial Protection Bureau ( CFPB ) guidelines but may also be considered an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Dodd-Frank Act ( 12 U.S.C. 5531 ). As a result, my credit score has been negatively affected, preventing me from obtaining fair credit opportunities. I request an immediate reinvestigation, correction of my payment history and credit amounts, and confirmation that TransUnion is complying with FCRA and CFPB regulations. I expect a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested and disputed inaccurate information reported to credit bureaus by XXXX XXXX XXXX since XXXX  and asked them to validate the debt. I filed a CFPB several times since XX/XX/XXXXand have received no response. I have also filed several disputes with Transunion who also refuses to provide any documentation to validate the debt. According to FDCPA, Since both XXXX and Transunion failed to respond to these validation request within 30 days fromXX/XX/XXXX, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Also, since every action XXXX & Transunion has taken is considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This will include any listing of any information to a credit-reporting repository that could be inaccurate, invalidated or malicious. Since XXXX I never received any notification from XXXX that is required under FCR guidelines. Also at that time they reported that the debt was owed to XXXX XXXX ( I paid the surety bond directly before move in ). Once I disputed with XXXX, they updated the original creditor from XXXX XXXX ( never made any collections attempts ) to XXXX XXXX XXXX AFTER XXXX XXXX XXXX received XXXX XXXX XXXX payout. This collection tactic is deceitful. I have attached the copy of my XXXX  credit report as proof that XXXX and Transunion switched the original creditor from XXXX XXXX to XXXX XXXX XXXX on my credit reports.
Product: Credit reporting or other personal consumer reports

The XXXX  account belongs to my father who is also XXXX XXXX, I need it removed from my credit. I have paid it so that I don't have a negative credit rating but the account belongs to my father and needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if I never applied for the XXXX XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX XXXX  stating the account was opened fraudulently? I have also filed a police report and a FTC REPORT. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. This action has caused significant inconvenience financial loss and I seek appropriate redress for this violation.
Product: Credit card or prepaid card

Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express. We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account on XX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles. You still have time to meet the spend requirement. For the {$50.00} statement credit, you have until XX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account. Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information. 

As of XX/XX/XXXX, I have met the requirements for the XXXX   Delta Miles.