23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. Equifax and XXXX are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties. 

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law.

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that Equifax and XXXX are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e.

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The chronology of my issues with Hyundai Motor Finance are as follows : XX/XX/20 sent a pay-off check for my vehicle via Next Day Mail XX/XX/20 the check was cashed XX/XX/20 made the first inquiry as to the status of my Vehicle Title and was told that is was an Electronic Title that needed to be transmitted to California XXXX but that had yet to occur. A commitment was made that the Title Dept would be notified and my document would be expedited. 
XX/XX/20 followed up on the title status and was told exactly what I was told a week prior. The document had still not been transferred. I requested a supervisor. For a third time the supervisor gave the same response. the Title Dept will be notified to expedite your document I was also advised by the supervisor that she could only communicate with the Title Dept via email and it would take five days to get back a response! 
Recapping, a customer has called three times for help getting their title document and the Customer Service Representatives who are there to help can only communicate via email with another Dept. who then takes 5 days to get back with an answer. Meanwhile, I cant sell my vehicle without a title and I have to continue to pay insurance on it. 
This is undoubtedly the worst Customer Service organization I have ever had the displeasure of being involved with.
Product: Debt collection

I have a couple medical payments in collections I have no idea where they are from or for what
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX XXXX and XXXX, Experian, and XXXX for which they claim My account was charged off {$1100.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Debt collection

Sent validation of debt letter by XXXX overnight in late XX/XX/XXXX, never received response within the legally required 30 day window by FDCRA. Validates account as valid with every dispute with evidence that they have violated the law. State account opened by them in XX/XX/XXXX but failed to ever contact me, didnt list on my credit until XX/XX/XXXX and update the balance every 7 days, re-aging the debt. This is a medical collection I have no knowledge or proof of and Alliance is reporting varying amounts/multiple accounts on my credit. Successfully disputed and got removed 3/4 of them on XXXX, 4/4 on XXXX and none of the 4 on XXXX. Demand this company delete from my credit file.
Product: Mortgage

My mortgage was transferred to ServiceMac as of XX/XX/XXXX, while trying to set up my account online to make a mortgage payment which is due on XX/XX/XXXX I found out that I wouldn't have my online access until XX/XX/XXXX. 
I believe it's unacceptable as my account transferred as of XX/XX/XXXX. 
So I made a payment from my bank on XXXX make sure I have my mortgage payment made on time, as of today, the payment amount still not applied to my mortgage despite several phone calls to the service provider. 
The payment is missing and a schedule payment option is still unavailable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of Issue : JPMorgan Chase Bank, N.A. ( Chase Auto ) has reported account delinquencies for a closed auto lease account without notifying me of any amount being owed and they have continued to refuse to provide an invoice or statement to me for the amount supposedly owed. The credit bureaus have since downgraded my credit rating and the delinquency is published on my credit reports. 

Description of dispute : I entered into a 36-month vehicle lease with XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. as assignee ) on XX/XX/XXXX. I made all 36 monthly payments associated with this account in-full, returned the leased vehicle on-time, and I have never received notice of an additional amount being owed via mail, electronic mail, or otherwise. My account with Chase closed the day that I returned the leased car and I have not received a statement since I returned the car to the XXXX dealership. 

On XX/XX/XXXX, the day before I was due to leave on my honeymoon, I received a notification from my XXXX  credit monitoring service that Chase had reported a past-due balance of {$1600.00} on my Chase account and that the account was at least 30 days delinquent. I had no knowledge of what this {$1600.00} debt consists of. As a direct result of these negative reports to the credit bureaus, my credit score was lowered by 106 points. 

When I discovered the negative reports, I immediately submitted a dispute to XXXX, but Chase only confirmed to XXXX the existence of the debt, which does not resolve the issue. A review of the online portal for the closed Chase account on XX/XX/XXXX revealed no current statements. 

I notified Chase by letter on XX/XX/XXXX that a delinquency was reported to the credit bureaus for a debt that I have never received a bill for and I requested a statement of the amount owed. I received a letter response from Chase on XX/XX/XXXX wherein they only stated that they reported an outstanding debt. I replied to that letter on XX/XX/XXXX to inform them that they have misinterpreted the issue and gave them 30 days to resolve the issue, but I received the same form letter in response on XX/XX/XXXX. 

I received a collection call from Chase on XX/XX/XXXX, wherein the caller, XXXX, stated that they had sent a bill to the incorrect address. During the term of my lease, I moved to a new address and notified Chase of this move by updating my contact information in my Chase Bank online account more than two years before the termination of the lease. I also listed my new address on the lease termination and vehicle turn-in documentation. My Chase Bank online account lists my current address in my customer profile. Despite this, Chase Bank has apparently sent statements to an incorrect address. 

Chase did not notify me that I owed an amount before it reported that amount delinquent to the credit bureaus and it has continued to report a delinquency. Chase did not notify me within 30 days of making those initial reports to the credit bureaus. Chase has continued to refuse to provide me with a written statement of the amount owed so that I may review it.
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 redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

4. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX  XXXX Account Number : XXXX  Please remove it from my credit report.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX  Delete this account.

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

10. 15 U.S. CODE 1692G - VALIDATION OF DEB TS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. Code 16811 - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS  XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account.
Product: Student loan

I 've encountered one major problem with the way my payments are being handled by the lender.
1. I enrolled in automatic bill payments from XXXX XXXX months or even years ago believing that I would pay monthly interest while I was out of school to not accrue interest. When I went to review my account today I noticed I had accrued a little over {$600.00} in interest. It seemed a bit odd because my monthly amount was set for {$580.00} which should have taken care of all accrued interest for my original full loan of which I had already started making pre-payments for, thus some of that amount should have already started going towards the principal. I called the servicer to inquire about why that may be and also why when I look at my recent payments I only see the additional prepayment amounts and not my monthly automatically set up payments. I was informed that because I 'm back in school and do n't currently owe anything on my loans my payments were suspended by the lender. 
There are two problems with this : ( 1 ) I was n't informed via email or through any other means that my payments were suspended because of the aforementioned reason. 
( 2 ) When I visit the automatic payment page through the leander, it still shows that automatic payment, its amount, and asks whether or not I want to suspend the payment, which should be made the first of each month. That makes me believe it 's still current and not suspended. Also, nowhere else on that page does it mention that payment as being suspended ( please see the screenshot attached ). 
While talking to the supervisor about this ( XXXX ), I was informed that it was part of the original documentation when signing up for the automatic payment and, therefore, they fulfilled all of their obligatory duties in informing me of the payments being suspended while I 'm enrolled in school. 
Not displaying my suspended payment clearly on the automatic payment site where I go to review my payment is an attempt by the leander to accrue more interest. I ca n't be expected to remember every term of a document I signed years ago, nor would I go to review said document over the actual site where the payments are being made for the most up-to-date information.
Product: Debt collection

Debt collection in the amount of {$990.00} from XXXX XXXX ( not even allowed to work in the US ) and handled through Cedar Business Services.

This debt is false and seems to be a result of identity theft or scam as I have never used this service and neither conpanies will be able to produce evidence showing this as valid.

Others have had issues with these two companies in particular Need this off my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I tried to purchase a swimming pool ladder. The vendor was XXXX they were using PayPal as method of payment. The advertised price was XXXX. After providing my credit card information I was given no receipt or tracking number. I them checked my credit card and was charged XXXX. I contacted paypal to report fraud. I also contacted XXXX XXXX to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

I have been calling American Express since XX/XX/XXXX. I was offered a promotional bonus of XXXX rewards points for spending XXXX  $ to upgrade to a new card. My original call was simply seeking a replacement card. I was convinced to upgrade due to the great promotion. I spent required XXXX $ within the first month and was denied ever being offered this promotion. I have been calling since then over 10 times speaking to muliple representatives and supervisors to review the call. All tell me they will call me back within 48 hours. 3-4 days later, i keep calling to file a complaint and i recieve the same run around and am asked to explain a 20 minute story to 2-3 different representatives/managers. All appologize and agree with my frustrations and continue to do the same, give me a 48 hour call back period and i keep getting the same run around. I want to have a solution to this or i will cancel my account and my wifes. I dont want to support a company that is wasting my time and not acknowledging what was offered to me.
Product: Credit card or prepaid card

BANK OF AMERICA- I am submitting this in conjunction with the class-action lawsuit. I'm not looking to get any money I just want my rewards back! 

I booked a flight from XXXX NJ to Florida through my BoA ( business account ) rewards for XX/XX/2021. Due to COVID concerns I had to cancel my flight. I kept talking to the BoA travel center about cancelling my ticket but they kept dragging until the night prior and I ended up cancelling it myself. Then, I called BoA travel center once again to give me my XXXX points back. I was told they would do it, but they didn't move an inch. 

I was told that someone would call or e-mail in the next XXXX hours. Shortly after XXXX hours went by with no call, I posted a brief comment on the BoA XXXX page. A little while later, I got a call from a customer service person who said they were from BoA, but it turned out to be a fraud operation and they stole over {$4000.00} from my account via XXXX. Later, I realized that this operation saw my XXXX post, looked me up and found my # on my business website ( which I since removed ). I did not give them any private info, like my SS #, but they kept me on long enough over several calls, along with a fake XXXX call through to 'unblock a text authorization '. So, then I had to deal with the fraud, which to BoA 's credit they did resolve and refund my money within a few days. 

However, the points issue remained and I got so tired of all of it I let it go. But I want my XXXX points back! Even recently, I was chatting with the social media team on XXXX and they kept saying they would help but gave me a runaround. I can't take it and will likely switch my account to another bank but need to use the points I still have and WANT MY POINTS BACK! I earned those points and booked that flight and have suffered a lot of stress due to their shenanigans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, JPMCB AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report it shows that a bankruptcy was filed on XX/XX/2021. This is incorrect reporting. And i want this removed immediately. I did not file for bankruptcy on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.