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 Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : 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 card or prepaid card

Applied for a Citizens Bank Credit Card ( a Mastercard ) with an " Earn 5 % Back on Everything '' purchased on the first {$6000.00} of purchases within the first year. The 5 % back " reward '' is actually a 3.8 % bonus over the " everyday '' 1.8 % " reward. '' I applied for and was issued a card in XX/XX/2021 and noticed that only 1.8 % was credited. I called their " customer service '' telephone line and, after a XXXX minute wait, was transferred to another department and had a XXXX minute wait. The Citizens Bank customer service rep did not know of the promotion and was not helpful. Because their executive office does not publish their telephone number I used the SEC filings to obtain the number and was connected with the " President 's Office. '' I explained the problem and have received two call backs- the person who called continues to promise to rectify the problem but she has not done anything. I see that the Bank is again running this promotion - I believe it to be a scam
Product: Debt collection

Equifax was forwarded an identity theft affidavit in which they had four days to remove, block it. They have done nothing but sent me a letter stating that they refused to block it. this was not sent in error, and a copy of my id and social security was sent along with it.

1. THE INFORMATION I PRESENTED TO YOU WAS NOT BLOCKED IN ERROR 2. THE INFORMATION I REQUESTED IS IN THE FORM OF AN AFFIDAVIT OF FACT 3. IF YOU BELIEVE I OBTAINED POSSESSION OF GOODS AND SERVICES, OR MONEY AS A RESULT OF THE TRANSACTIONS I NEED A SENIOR EXECUTIVE MEMBER OF THIS COMPANY TO PUT IT ON AN AFFIDAVIT SIGNED UNDER THE PENALTY OF PERJURY AND NOTARIZED.
Product: Debt collection

Portfolio Recovery has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX XXXX XXXX is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#8362****
Product: Payday loan, title loan, or personal loan

I only borrowed XXXX and the want me to basically pay back 4x that amount i have went with a consolidated company and they are still asking for way more then what was borrowed they also go by rosebud lending i see they are not licensed in my state at all when i looked there name up
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX  XXXX Balance : {$110.00}.
Product: Debt or credit management

Tomo Credit is a credit card/financial services company has been charging {$8.00} a month on my credit card for services that the company claims will assist in improving your credit score. I have not seen any truth to this claim. On XX/XX/XXXX, I sent an email to Tomo requesting to cancel, and asking about instructions on how to do so. I did not receive a reply to this response. Tomo attempted to charge my card again on XX/XX/XXXX, and sent several emails informing me that they have been unsuccessfully attempting to charge my card. Again, I reached out to the company and requested to cancel any existing subscriptions and to refrain from charging my card. I received XXXX follow up emails : one blanket response with claims on how the company can improve your credit score, and asking if I was sure that I wanted to cancel ( I replied and again, told them to cancel and stop charging mt card ), and a second email a week later asking if I was sure that I wanted to cancel. There is no intention on cancelling any services with this company. There is no way to do so online and after several requests, the only response from this company is several emails asking the consumer if they are sure that they want to cancel any subscription after repeatedly requesting to do so. Other consumers need to be warned about the fraudulent practices of this company.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent accounts that do not belong to me. Please remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.
Product: Credit card or prepaid card

I received what appears to be a credit card in the mail today. The letter states that this contains money from the US Department of Treasury under the covid-19 Tax Relief act of 2020. It makes it sound like I need to activate this card to get my stimulus payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX  XXXX has reported an open balance of {$1400.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my report.
Product: Checking or savings account

I am writing to file a complaint against Chime regarding their handling of an unauthorized charge on my account. Despite taking steps to block the vendor and initially having the charge reversed, the bank later reversed their decision, causing significant distress and financial inconvenience. 

Details of the Complaint Unauthorized Charge : On XX/XX/year>, a charge of {$99.00} was made to my account by an XXXX XXXX XXXX without my authorization. 
Upon noticing the charge, I immediately contacted Chime ] to report the unauthorized transaction. 
Initial Reversal : Chime conducted a preliminary review and reversed the charge, crediting my account on XX/XX/year>. 
Blocking the Vendor : To prevent further unauthorized charges, I requested Chime to block XXXX XXXX XXXX from making any further transactions on my account. 
Reversal of Reversal : Despite my actions to block the vendor, Chime reversed their initial decision and will re-apply the charge to my account on XX/XX/year>, citing their belief that the charge was authorized. 
Issues Raised Failure to Protect Consumer : By re-applying the charge, Chime failed to protect me as a consumer, disregarding my explicit request to block the vendor and my assertion that the charge was unauthorized. 
Inadequate Investigation : The bank 's investigation into the unauthorized charge appears to be inadequate, as they reversed their initial decision without providing sufficient justification. 
Financial and Emotional Distress : The re-application of the charge has caused me financial hardship and significant stress, as I am now held accountable for a charge I did not authorize. 
Requested Resolution I kindly request the CFPB to : Investigate Chime for their handling of unauthorized charges and their procedures for investigating such claims. 
Ensure that Chime reverses the unauthorized charge and any associated fees permanently. 
Require Chime to improve their procedures for blocking unauthorized vendors and handling customer disputes. 
Provide compensation for the inconvenience and distress caused by their mishandling of this issue. 
Supporting Documentation I have attached the following documents to support my complaint : Bank statements showing the unauthorized charge and subsequent reversals. 
Correspondence with Chime regarding the unauthorized charge and my request to block the vendor. 
A text thread received about another vendor who was blocked but continues to try and debit my account that dates back to XX/XX/XXXX. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint.
Product: Vehicle loan or lease

XX/XX/XXXX the XXXX XXXXXXXX XXXX was repossed. this debt was cancelled 1099c
Product: Debt collection

National Credit Systems , INC put a debt collection on my credit report. I have no idea what this debt is so I sent them a certified request for the 1099 C form. They have not responded or removed the debt collection from my credit report. It has been over fifteen days since they received the request. Please remove this debt collection from my credit report.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate and unverifiable information on my consumer report. I am demanding that they comply and delete the accounts stated in the attached dispute
Product: Credit reporting or other personal consumer reports

I applied for an XXXX store credit card at the XXXX store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the XXXX store. After I submitted my application online in early XXXX I received a letter from XXXX XXXX  that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from XXXX XXXX  they were unable to approve me even though I have no credit line opened with XXXX XXXX. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.
Product: Checking or savings account

Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. 

I have also filed a claim against CHASE with the XXXX - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. 

Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! 

I have tried every attempt possible and CHASE is NOT responding to communicate and rectify!
Product: Money transfer, virtual currency, or money service

I want to submit a formal complaint about Coinbase because the labels and warnings are misleading. I sent XXXX in the amount of XXXX ( {$550.00} ) on XXXX XXXX AM +UTC ) to a wallet address from XXXX to Coinbase on the XXXX XXXX ( very common for people to do this ). The company does not list the correct XXXX  network which is XXXX XXXX XXXX XXXX  before processing the transaction on the Coinbase app. The company customer service stated that Coinbase does not support this network for funds received to this brokerage over the specific XXXX XXXX. The funds are locked in a wallet with my money that the company will not release back to me. The company only states on the warning to not send a wrapped token to this account and not a token that is pegged to that token. These are slightly different in terms of what the definition of the two are. I sent this XXXX XXXX XXXX XXXX to the wallet address that Coinbase listed for me to send it to. I feel like what Coinbase says before receiving a token on a network is a misleading statement from the company and does not take due diligence for their customers who pay high brokerage fees to buy cryptocurrency on their brokerage service. With the Understanding of networks that Coinbase has with the years they have been involved in the business Coinbase should list the only network their company can receive crypto would be fair practice. Coinbase has the funds within their brokerage but refuses to allow me to hold the funds within my brokerage wallet because its not a supported coin transfer. The company has the capability to issue and convert the said coin into the correct currency on a fee basis that exchanges these transactions with other partner companies. The company refuses to exchange the currency and support it because the fees would pay their competitive business. Im conclusion the wallet on the brokerage that I sent the XXXX XXXX XXXX to should allow me to show my funds that Coinbase does not want to convert and allow me to move this coin on to a different wallet where I can pay a fee to convert this token if Coinbase does not want to pay fees to their competitive company. 

Only send XXXX  to this address is misleading because a XXXX token is the same as the actual token. The exchange is 1:1.

In the other picture I attached Coinbase does not mention the correct network specifically which to use to send XXXX to. Coinbase should list XXXX only on the label of the warning. This leaves people guessing because XXXX can be sent on many network platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only XXXX who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
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 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 redresst for these violations.
Product: Mortgage

On XX/XX/2022 we received the enclosed loan modification offer from XXXX which set the new modified payment on the XXXX loan at {$9100.00}. After a review of this modification we contacted XXXX to see if there was an option to review/appeal this modification with a possibility of a lower payment. We began that process and we were instructed by XXXX employees to hold off on sending in the modification with the first payment until the review/appeal process was completed. Obviously, we were concerned that the due date in this modification was XX/XX/2022 and discussed this with XXXX representatives who assured us that as a result of the appeal, we had until the end of XXXX ( XX/XX/2022 ) to submit the signed agreement and make the XXXX payment. To that end, on XX/XX/2022, we spoke with XXXX employee identified as XXXX Id # XXXX who confirmed that there were notes on the account that indicate that there was a 30 day grace period, from XX/XX/2022 to make the loan modification payment and return the signed agreement by XX/XX/2022. During that call a follow-up on the appeal was scheduled for XX/XX/2022. Thereafter, follow-up calls were scheduled and on XX/XX/2022, XX/XX/2022 and on XX/XX/2022 we spoke with the XXXX  on this account, XXXX XXXX XXXX During those conversations, XXXX XXXX confirmed that the appeal and proposal to reduce the payment had been submitted to the investor on the loan and that this was under review and that the extension to send in the 1st payment and modification agreement by XX/XX/2022 was in place. On XX/XX/2022 XXXX XXXX attempted to flip the script and began to misrepresent what had transpired over the course of the appeal process. The phone calls throughout this process have been recorded. We respectfully request that someone at the executive level get involved in this file, review the recorded calls and rectify the situation immediately. On XX/XX/2022 we enclosed the executed modification agreement along with the 1st payment as was agreed with XXXX employees in a XXXX  envelope sent to XXXX XXXX XXXX XXXX for delivery on XXXX XXXX  has responsibilities under the law as part of the COVID pandemic relief programs that were instituted both Federally and under State mandates. It is our hope that XXXX will process this modification in keeping with the representations made by their representatives and put this matter to rest.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to the following child support account removed from my credit in cooperation with law 15 US code 1681 B : permissible purpose. 

-Child Support EnforcementXX/XX/XXXXxxxx XX/XX/XXXX -Child Support Enforcement XX/XX/XXXXxxxx XX/XX/XXXX
Product: Credit card or prepaid card

I have repeatedly, for years been solicited at my home address by CapitalOne to open a credit card account. Various names appear on the offers including my adult children who no longer live at my address or my nick name, or half of my surname ... it is endless. Multiple times I have contacted them and told them to cease from sending these solicitations.most recently I spoke to XXXX on X/XX/17 and again to XXXX on X/XX/17 informing them again never to send a solicitation to my address. I want these offers to cease immediately and forever before someone damages my credit.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified NCA about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report. They responded that it is NCA 's policy to report all satisfied accounts as paid in full, federal law supersedes policy. They also sited the FCRA 602 ( b ) and said " The FCRA 602 ( b ) states that all consumer reporting agencies are required to adopt reasonable procedures which are fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper use of information. '' The full statement says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. NCA 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). 

In order for NCA to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.