23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 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

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts XXXX XXXX  XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX. # XXXX 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
Product: Checking or savings account

I received the attached solicitation from J.P. Morgan Chase Bank N.A earlier this year. In an attempt to " get up to {$900.00} '' I had my bank wire {$500.00} to a " Chase Total Checking '' account on XX/XX/XXXX When I was not credited with the " {$300.00} Bonus '' more than two weeks later I was informed that my payment sent via Same Day Service was treated as a " Wire Transfer '' and did not comply with their " direct deposit '' requirement After confirming with my XXXX XXXX XXXX I sent an additional {$500.00} on XX/XX/XXXX via " Next Day Service '' which I was assured was the correct manner to handle this At approximately the same time I wired {$15000.00} to " OPEN a new Chase Savings account '' in order to " Get {$200.00} '' which was in fact credited to the latter account However despite numerous attempts on my part to obtain the " {$300.00} Bonus '' on the Checking Account Chase has refused to comply claiming that I failed to " complete all requirement activities ''. After spending months trying to resolve this issue I insisted that they commit their reasons to writing and received the enclosed letter which states that my " direct deposit needed to be an electronic deposit of ( my ) paycheck '' which it actually was as I am employed by the " Sender '' a company named XXXX XXXX as an Independent XXXX. As you will see from my third attachment that payment was made in response to an actual invoice I submitted at the time. Because of their ongoing reluctance to accept my argument they have refused to send me the " extra {$400.00} bonus '' to which I was entitled when I decided to " open both at the same time '' and I have been scammed out of a total of {$700.00}. I feel sure you will agree that what has happened here is a fraudulent misrepresentation on the part of this bank which requires an in-depth investigation by your office. There have to be other unsuspecting subscribers to this offer who have been similarly prejudiced by their actions and I would not be surprised if the matter does not eventually qualify for Class Action status
Product: Credit card or prepaid card

XX/XX/2018, Fidelity Investment risk department flagged my account and froze all securities and revoked my trading etc.. Gave ultimatum which caused me to move most of my securities ( the ones they were willing to accept ) to another firm. 

I have emailed the CEO, FINRA, SEC and the issue still has not been resolved. Per Fidelity they are not required to disclose why my account was flagged by risk management. 

This has resulted in several customer service issues because by Fidelity doing this I have to engage them for simple request and they are not willing to help/leave the matter unresolved due to my account being flagged by their risk department and whatever notes they have documented. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

I have also contacted the Fidelity Investments credit card department and they advised I have to contact, which leads to a run around and my issues not being resolved. The issue is tat I can't have my rewards point redeemed on my Fidelity account, which is they was it's setup by Fidelity by design. Other options to redeem include gift cards etc which are 50 % less. I should not have to take a 50 % rewards redemption loss due to this customer service nightmare has created. Fidelity investment is not following what they advertised and are intetailly making this small issue huge. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXate : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by TransUnion, XXXX, and XXXX. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Debt collection

Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. XXXX gives my information to Northland Group and they call every hour at least. I already told them it will get paid and to leave me alone.
Product: Credit reporting or other personal consumer reports

In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGULAR INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All checking account and XXXX  ACTIVITY YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.
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 U.S.C 1681. ACCT Name : 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, credit repair services, or other personal consumer reports

On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.
Product: Credit reporting or other personal consumer reports

My identity was stolen. Someone has attempted to open accounts at several banks which has resulted in multiple hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Formerly 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 All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( XXXX, XXXX and Experian ) are not in compliance with Metro 2 standards, the standards that they themselves created!
Product: Consumer Loan

Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 - we were fraudulently led to believe XXXX XXXX contacted us regarding a fraud, which in turn frauded us out of XXXX from a checking account using the Zelle payment system. I contacted Zelle and reported the fraud the case # is here : Zelle Case # XXXX on XX/XX/2022. XXXX XXXX will not cover the loss through Regulation E, so Zelle must be the one who needs to cover the loss under Regulation EXXXX We would like Zelle to cover the loss under Regulation E. I was told that Zelle or XXXX tried to recover the funds from XXXX XXXX ( apparently where the money went ) and was given this # as a claim XXXX - Which institution has to abide by Regulation E? I would like Zelle to pay since XXXX is not paying and covering this fraudulent loss. It is not the consumers fault that the app is so loose. We have never used a Zelle app before this fraud day. XXXX XXXX XXXX and XXXX XXXX - XXXX account ending XXXX. Previous complaint to CFPB for XXXX XXXX is XXXX.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Charge from L J Ross Associates XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge issued by L J Ross Associates . I believe this charge is in violation of section XXXXXXXX XXXX XXXXXXXX of the Consumer Financial Protection Bureaus regulations, which governs fair debt collection practices.

Details of the Charge : Creditor Name : L J Ross Associates Account Number : No Account Number or Address is listed Charge Amount : No Charge Amount is Listed Date of Charge : No date of charge is Listed I assert that this charge is improper for the following reasons : Such charge is improper practice, incorrect amount, lack of proper documentation.I have never had any contact of agreement of any kind with L J Ross Associates.As per XXXXXXXX XXXX XXXXXXXX, debt collectors must follow specific rules regarding transparency, validation of debt, and prohibition of abusive practices. I respectfully request that the CFPB investigates this charge and takes appropriate action to resolve the matter in accordance with the law.I look forward to your prompt investigation and resolution of this issue. Should you require any further information or clarification, please feel free to contact me at XXXX or XXXX you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

Since my loans were taken over by Navient it 's been a never ending series of " we do n't know how that happened ''. Primarily, the problem is my payments have never been applied as I 've asked - to the principle. I always pay more than the minimum, and they keep applying the additional to interest. The result is I actually owe them {$3000.00} more now than when I started with them. Their website and phone line are impossible to understand, and no one can ever explain anything. I have literally received 3-5 differing statements, looked on the website and found a different amount, and called and been told a totally different amount all in the span of a few days. They 're rigged to keep you confused, generating late fees ( that they do n't apply your payment to either ), and in debt, forever. I am trying to do the right thing and pay, but I am sinking because of their practices!
Product: Mortgage

I made a mortgage payment to Amerihome Mortgage on XX/XX/XXXX in the amount of {$2400.00}. The payment never posted to my account. I've talked to 4 supervisors and over 20 agents. They misplaced one other payment, and after 2 months they finally posted that one. The first payment never posted. The bank sent four transmittal reports by fax. They have received everyone and says it's in review. They continue to close the accounts, and I have to get them to open the same one every month. One agent said my payment would be posted on XX/XX/XXXX but I still haven't seen anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$840.00} ; XXXX XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Checking or savings account

XX/XX/XXXX @ XXXX on out side atm south of main front doors I made a deposit of {$1900.00} Denominations of 16 # - {$100.00} Bill 's and the remaining smaller Bill 's.

1.atm counted the amount and showed it on my screen {$1900.00} 2. Ask me how I wanted my recipe email, no recipe, print. ( I selected print. ) 3. atm screen showed finalizing transactions.

4. A shuffling noise came from a deposit slot area followed by ATM stating that the ATM is not available for use I can contact customer service or use mobile app banking.

5.No recipe was printed from atm.

erro on screen did not correct it self.

6. Walk to my truck ask my wife to check our bank account online and no deposit was made to our account the computer crash caused something unexpected to happen within the machine itself and the cash got jammed up physically somewhere in the atm.

7. At XXXX called chase bank and Immediately filed a claim they told me I will have a credit in 12 hours. No Credit was issued by following day so at XXXX XXXX presented myself to that branch to speak to XXXX banker at cheese bank and he called End to get further clarification to my situation. 

chase claims department. mentioned they need to send a service technician on Monday to open up the ATM to locate funds in order to give me a credit on Monday I spoke to general manager he called in to check on status I was told I was going to have to wait 10 to 30 days for an answer on the investigation done by the chase back office I would get different responses from different reps ok n every call.

8.On the XX/XX/XXXX Investigation determined that there is no money found that there was no found money in ATM No one is able to explain to me how the investigation was determined what causes ATM to mount function how they came to a conclusion with no money when I tangibly placed money into this ATM. 

Banks should have controls in place to catch a discrepancy in the machines ' expected balance ( based on beginning balance, activities, and ending balance ). They have not treated this situation seriously.

An extra {$1900.00} in the machine after the cash count should jump out immediately at whoever counted it. The fact that it didn't is Questionable.

Per my researchThe audit process would be the beginning count sheet plus deposits less withdrawals per the machine = ending balance. Plus whatever other controls they have in place ( one person counting ending cash while another person runs tape for the expected balance. I ask to have the cctv footage of every single cassette and if all cassette in atm where checked and they refuse to pull tape. or give me a A solid reason how my money just disappeared after ATM deposit. My last conversation with Chase Bank representative on XX/XX/20 Was to file a police report and to have them subpoena the video footage. I have filed a police report with the local sheriff 's department and waiting on a callback.