23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

Equifax is reporting 3 accounts with negative information without any information on said accounts. My credit report from equifax does not reflect any negative accounts. If not reflected in my credit report it should not be published and or having a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> 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 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, credit repair services, or other personal consumer reports

Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over XXXX  days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within XXXX  days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into. Thanks!
Product: Checking or savings account

On the evening of XX/XX/XXXX, someone successfully used my debit card ( likely through XXXX XXXX  ) for XXXX $ at the XXXX XXXX store in XXXX, XXXX Then someone tried to use it in a XXXX store. I received an email from Chase bank that someone is trying to make a purchase for XXXX $ at a XXXX store. I selected the option that it was " not me '' and then called the Chase bank. The transaction was blocked and hence my card was also blocked. 

Then within the next hour, I received an email that someone from XXXX XXXX phone number XXXX by the nickname of XXXX XXXX was added as a recipient in my Chase bank XXXX account. I immediately logged in to my Chase Bank mobile application and removed that recipient as I knew that someone was trying to do fraud, especially when my card had already been used within the last one hour. I called my bank and they told me that the XXXX transactions which the fraudster was trying to make were blocked. My Chase mobile app access was blocked and I was told to go to a Chase branch. After a day or two, I was able to go to one of the Chase branches near my apartment in XXXX, Michigan. There, I found out that XXXX out of XXXX XXXX transactions went through ( the third one out of the XXXX transactions in order of their timing ). It was for XXXX XXXX My bank opened a claim and gave me a temporary credit of XXXX XXXX Later, my bank sent me a letter dated XX/XX/2022 stating that they have taken credit of XXXX $ back from me as they said that they did not find any evidence of fraud on their review. 

The bank manager helped me in pursuing my case and an inquiry was opened. My Case manager from Chase bank wanted me to file a police report in the territory of the phone number XXXX which is XXXX XXXX. I have filed a police report both in XXXX as well as XXXX. I recently got a call from the Chase Bank case manager that the decision from the Bank remains unchanged after their investigation. 

At this point, I feel like the bank is not trying to help me and I feel lost. They do not give me any other reasoning except for the fact that an IP address was used near to my area and that a face ID was used. I have no idea how that happened and I also do not know why the Bank was not able to stop these transactions especially when they already knew that there had been fraudulent activity happening on my account earlier that day. I would really appreciate it if you can help me in this regard and assist me in getting my hard-earned {$500.00} back. I am attaching all the relevant files of evidence along with the three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively from the Chase bank denying my claim. I am happy to provide any further information if required.
Product: Credit reporting or other personal consumer reports

As it a consumer I have took and looking in a deep look at my credit records as well as my personal account has been infected by no other than a breach somewhere that a person has got a hold of my information and distorted all of my accounts down to my banking account down to the credit of my name and I am fighting to get my credit restored as well as fighting to get my funds restored back into my accounts
Product: Virtual currency

Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : Untitled Account XXXX has violated my rights. Or 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In 2003 Washington Mutual gave my elderly XXXX mom with no job a home equity line of credit of {$50000.00}. At the time she was receiving a monthly gift from my dad who was paying her alimony up until I was XXXX me being the last child. I am XXXX now. He was under no contract to pay her lifetime alimony. And she had an income of less than {$500.00} social security. She racked up up bill of more than {$14000.00} before I started paying her bills for her and figured out what happened. Nowadays no one would ever give an elderly XXXX person with no job a big loan. I don't believe she should have ever been given this money to use.
Product: Debt collection

Hi, i noticed tha us bank reported my XXXX XXXX credit card as a charged off with an incorrect balance amount of {$1000.00}, when the account was reported as a charged off amount should balance have to be {$0.00}. I tried to contact this institution by phone and transfer between departments leaving me in hold and then dropped or hanged up my call. They sold my debt and they reported to my XXXX credit report the account in charged off, I need that USBANK with address XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX and Phone : XXXX, correct the error that they reported because I did not owed {$1000.00}, they continued charges my account during XXXX XXXX XXXX XXXX XXXX, when the account is closed and when I did not used it since XXXX, they did not give me moratorium during XXXX XXXX, XXXX, XXXX and they are reporting a false statement that I owed {$1000.00}, when the account is in charged off when they reported to IRS and received the credit incentive of {$2000.00} for the reported debt. They are reporting if as I owed the doubke amount of the debt and violating my privacy right as well. I beed that US BANK correct the amount reported to {$0.00} as charge off account and sent me their 1099 for the charged off account reported to IRS. I would like that they removed this account due that they reported a false statement and a false amount. They also did not report the payment that I made on XX/XX/XXXX. They caused me that other bank institutions closed my checking account when making unauthorized charges to my XXXX XXXX XXXXXXXX XXXX checking account ending in XXXX when I made the payment with my XXXX checking account and make me lost important accounts transaction and extra fees because I did not have the balance in the XXXX account instead I made the payment using XXXX  account, and in my credit report said that there is XXXX and I made a payment in XX/XX/XXXX, as the payment agreement made in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to Experian of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Experian does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave Experian my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and the 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: Vehicle loan or lease

on XX/XX/2018 i was purchasing two vehicles from XXXX XXXX XXXX   XXXX meeting. on this day the car dealership had took my XXXX XXXX XXXX as a trade for XXXX the deal was i would get back XXXX and be walking away with 2 cars a XXXX XXXX XXXX and a XXXX XXXX XXXX with the title to the XXXX  and the XXXX was to be financed. 

This is only the beginning of everything.. so let 's start with when i got home that night i had a chance to sit down and finally been able to review the loan documents they financed my XXXX at XXXX when the agreed upon price was XXXX so when i noticed that the loan was not what i agreed upon i immediately called my Loan holder because XXXX XXXX would not answer the phone or this person wasn't available the moment please call back ... so after the first day of being ignored i went back to the dealership where i went to also question the huge scratch down the side of my vehicle that was not there at time of purchase. when i arrived the sales man goes oh you're here about the huge scratch aren't you XXXX said he's not fixing that ... my reply oh well no actually that's one of the things ... so needless to say after asking AGAIN to  speak to someone no one was magically available to take this matter or they where all gone on vacation .... 


so here we are 6 months later fighting GM financial have had my credit XXXX because of this couldn't refinance my house because i couldn't pay the car loan and accept responsibility for it ... well GM financial is another one i will be putting a complaint in against so to anyone looking for a car PLEASE GO SOMEWHERE ELESE OTHER THEN THIS FRAUD DEALERSHIP THEY LIE RIP YOU OFF AND DONT CARE!!! STAY AWAY FROM XXXX the car salesman he IS XXXX AND DIRTY AND DOWN RIGHT A LYING PEROSN
Product: Credit card or prepaid card

Hello. 
I am new to this and I hope I am taking the right steps. I just submitted a complaint before this, but I did not explain everything. 
In XXXX, I forgot my purse at work. I went to pick it up the next day and did not think anything of it. As times passes and my credit card balance is due, I notice that there were charges I did not make. One of these charges is a store in XXXX. I immediately called Bank Of America to dispute the transactions on my credit card. They gave me a temporary adjustment. I had noticed that the chargers at the XXXX store were also in my personal bank account. I contacted chase and they immediately were able to remove the charges close my account and help me. 

Bank of America is refusing to do so. They gave me a new card, but is denying my claim many many times. It is going on 3 months now, and they refuse to give me paperwork proof that these charges were made by me, or that they have anything to do with me. They refuse to send paperwork. No matter how many times I have called, provide world class service is their saying, they are providing terrible service. 

I have been a customer with them for years now and i am noticing that its the only company I ever have issues with and refuses to ever help. I will be closing my credit card after getting help with this issue and will not be a customer of them any longer. 

The dispute was for 3 different charges. 
XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York Total - XXXX $ These charges have never been made on my account before. 

This is no okay and very unprofessional for a large company to deny my fraud on the count without sending proof! 
All they do is send the deny letter the day after I speak with one of their representatives. That means they dont even look at the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to try and gain an auto loan at 4 company 's on XX/XX/23 only one company has been good about removing the inquiry from my credit report. The other have either given me a hard time ( Capital one ) or they have tried to help but not sure whats going on now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXXVETERANS UNITED HOME ran my credit without my permission.