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

Experian CLOSING ALL THESE COMPLAINTS AND CFPB DOSE NOTHUNLESS THERE IS MONEY FOR THEM, CFPB STOP CLOSING COMPLAINTS FOR EXPERIAN MAK8NG THEM AS DUPLICATES M, SOME MUST BE GETTPAUD BY EXPERIAN TO DO THIS
Product: Credit card

**Subject : CFPB Complaint COMPANYS FAILURE TO CREDIT TENDERED PAYMENT** XXXX TACKING NUMBER : XXXX Account Ending XXXX Account Ending XXXX Account Ending XXXX Account Ending XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint against American Express regarding a failure to credit the tendered payment for the discharge of outstanding balances on the accounts listed below. This situation violates the Uniform Commercial Code ( UCC ) Section 3-603 on Tender of Payment and Section 3-604 on Discharge by Cancellation or Renunciation. 

**Details of the Event : ** 1. **Date of Tendered Payment : ** XX/XX/2023 2. **Receipt Acknowledgment by American Express : ** Confirmed on XX/XX/2023 3. **Promised Crediting Time : ** Within 7 days, as communicated by American Express . 
4. **Current Date : ** XX/XX/2023 5. **Status : ** No credit applied ; accounts still reflect outstanding balances.

**Legal Grounds : ** The Uniform Commercial Code, specifically UCC Section 3-603, governs the effects of tender of payment. According to this section, if tender of payment is made to a person entitled to enforce the instrument and the tender is refused, there is a discharge to the extent of the amount of the tender. 

Furthermore, UCC Section 3-604 outlines that a person entitled to enforce an instrument may discharge the obligation of a party to pay the instrument by an intentional voluntary act, such as destruction, mutilation, or cancellation of the instrument. The failure to credit the tendered payment within the communicated timeframe implies potential actions against my instruments, suggesting a violation of this code. 

**Requested Remedies : ** I request the following remedies : 1. **Immediate discharge of the sum total** listed on the tracking for payment, With no Adverse action against me or my accounts.

2. **Compensatory damages : ** A payment of {$1000.00} for every day American Express continues to be delinquent. ( CURRENT TOTAL : {$40000.00} ) **Explanation : ** The failure to credit the tendered payment within the communicated timeframe is a breach of contract and violation of the UCC . I seek immediate resolution and compensation for the financial harm caused by American Express 's delay in processing the tendered payment. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of American Express. I trust that the Consumer Financial Protection Bureau will take appropriate measures to ensure compliance with federal regulations. 

**Enclosures : ** - XXXX Tracking Details for the TENDER DELIVERED XX/XX/2023 - 3-603. TENDER OF PAYMENT - 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. 
XXXX Chat Log with AMEX REP -and Notice of Billing Error Provided to American Express after Not Crediting the accounts Listed Above I look forward to your prompt response and resolution of this matter. 

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

I have never asked or relieved money from XXXX but I am getting emails from a lawyer that there is a warrant. I am afraid to respond due to the fact it has to be a scam
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I hereby claim american disablities act, office of civil rights, my civil rights have been violated by Experian Reporting services. I am a XXXX person whom can not XXXX  nor XXXX but XXXX XXXX XXXX XXXX XXXX. I have reported these thefts for the last XXXX  years but becuase I am XXXX and have speak via XXXX XXXX they continue to damage my credit and refuse to remove items under FCRA 605B. THESE ACCOUNTS DO NOT BELONG TO ME AS EVIDENCED BY THE ID THEFT REPORT ATTACHED. 

Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 
I HEREBY DISPUTE THE FOLLOWING ACCOUNTS UNDER FCRA 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} Chapter XXXX Bankruptcy Case Number : XXXX Please remove it to my credit report. 

2. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account XXXX : XXXX Please remove it to my credit report. 

3. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

4. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account XXXX : XXXX Please remove it to my credit report. 

5. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

6. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Bank account or service

PNC Bank is engaged in the practice of re-ordering transactions to maximize overdraft fees. I have caught them doing so on a number of occasions. I am opted out of " Overdraft Protection '', but they continue to process transactions, including ATM and debit transactions in order to levy further fees.
Product: Debt collection

Supposed " debt '' is with XXXX XXXX XXXX, and they have been made aware on multiple occasions that their bill is under dispute. I was forced into a dangerous procedure that I did not need after 12 hours of pressure from multiple doctors, proven by the fact that the results of the procedure came back negative. They would not let me leave my hospital bed until I agreed to the procedure. Despite disputing this one particular bill for {$290.00} for this procedure, I have paid other bills that I received for the proper treatment I did need ( iv fluids etc. ) that day on XX/XX/22. Also note that the XXXX XXXX assessment of being out of network is incorrect, since the facility itself and other doctors at the facility were not out of network.
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 redressBlock, 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. 

XXXX
Product: Debt collection

Company is contacting random 3rd party people from work and relatives via phone and disbursing my personal information illegally about a debt. Asked to cease and desist contact, but went ignored
Product: Mortgage

Back in XXXX I contacted Wells Fargo regarding a Home Loan for a new house I put an offer on. I sent them all of the information for my wife and I, and they ran our credit. Unfortunately, our offer fell through, but this past weekend we made and an offer and it was accepted. I contacted Wells Fargo this week and began the process. I communicated with XXXX XXXX XXXX XXXX XXXX at Wells Fargo. We discussed having only me be on the loan since my wife has bad credit due to her ex-husband. He informed me to get a Good Faith Estimate for just myself he would need to run my credit again, because his computer system would not allow him to provide XXXX for just me unless they started a new application. I asked him to just provide a Good Faith Estimate with the current loan having both my wife and I on it. Once XXXX XXXX heard I was not going to do the loan as an individual, he refused providing me a Good Faith Estimate unless we provide him with an addendum to our contract saying our escrow will be extended longer than 30 days.
Product: Debt collection

I am not liable for this debt withXXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a Recession of signature to company who responded with a repossession and sale of property my purchase price was {$16000.00} after repossession car sold for {$17000.00} now that West Lake has been paid well over the purchase price I am requesting written confirmation that this will be removed from my credit report.
Product: Checking or savings account

I deposited {$4000.00} in a savings account. 

The available balance was {$150.00} so I transferred the {$150.00} to checking the saving account then showed a negative XXXX balance I went to the XXXX XXXX  Truist branch and talked with the Vice President. 
He had no clue other than the {$150.00} was not really available even though it showed it was available it was the ledger balance- but even so if you have an available balance on your deposit ticket it should be there- people like me look at that and use that. 
The deposit ticket does not have a ledger balance notation or amount- this information would have been helpful. 
Also the ATM card was not linked until yesterday when I had to scream the the foreign customer service people. I activated the account weeks ago and had issues with POS transactions as they were declining and the card would not let me deposit funds into the checking account this is why I had to put it into savings. The bank has been very unhelpful in this matter and needs to pay me compensation for this matter and needs to put policy and procedures also the Vice President of the XXXXXXXX XXXX Branch needs to be better trained other than stating that this are being investigated by XXXX XXXX he did not even though whom she was other than looking at the notes.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me. 

XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service   XX/XX/XXXX
Product: Debt collection

On or about XX/XX/2018, I received a final bill from XXXX XXXX XXXX in the amount of {$34.00}. On Monday, XX/XX/2018 I paid the balance in full via XXXX XXXX XXXX website ( Confirmation # XXXX ). On XX/XX/2018, I received a letter form Penn Credit Corporation ( XXXX XXXX XXXX, XXXX, PA XXXX ). I called Penn Credit on XX/XX/2018 to advise them that this had been paid within 2 days of receiving the final bill from XXXX XXXX XXXX as well as the total paid and confirmation number. The girl who answered the phone was extremely rude, raising her voice, and advised me that there was no report of the payment, that I needed to pay them directly. I advised her that I received the letter from Penn after I got the statement from XXXX XXXX XXXX and I already paid them. I advised her that I wanted a statement from Penn once they received my payment from XXXX XXXX XXXX stating that my account had been paid and was now closed. She advised me repeatedly that unless I pay them, they can't send me such letter. I told her again that I paid XXXX XXXX XXXX, I was not going to pay them, and that I wanted something stating this was closed once they got confirmation of my payment. She told me again that they don't do that nor did they need to do that. I told her that I have worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 14 years, and yes, I can get a copy of that. She began raising her voice even more stating that they don't do that. I advised her that I was just going to file a report. 
The fact that this bill was paid BEFORE I got a notice from Penn, I shouldn't have to, nor will I, pay Penn on top of paying XXXX XXXX XXXX which was less than 30 days since my water was shut off- and paid 2 days after receiving notice from them. I want confirmation from Penn that this account was paid ( once they receive the payment ) and the account is closed. I do not want this on my credit report, as it again has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but Equifax and XXXX continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received an alert from XXXX that my credit file had a new inquiry from JPMCB CARD SERVICES. I have not applied for any new credit card and didn't authorize the inquiry.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.
Product: Debt collection

National Credit Adjusters please reinvestigate this accountXXXX enclosed are a list of violation s verifying an account that you state is accurate but has violations I will wait for your information, when a account is in dispute it has to be removes from credit report at once until the investigation is closed you did violate my rights the first time by not removing the account from my credit report when you investigated last time
Product: Mortgage

I recently refinanced my reverse mortgage. I went to receive my first distribution check a few weeks ago at XXXX. Mistakenly I was given the commission check of the broker and was horrified to see he had been paid {$12000.00} to originate this loan. I discovered that the lender AAG, Inc and the broker were using " premium '' pricing to increase their profits at the expense of myself and I 'm sure many other elderly people. XXXX of MTI Toolbox had originated this loan at XXXX points above par without my permission and without any disclosure that this was happening. I believe that this is a new strategy that is being used by the reverse mortgage industry to increase their profits now that foreclosing on these loans is much more difficult due to Dodd-Frank..
Product: Checking or savings account

I am filing a complaint with CFPB regarding USAA failure to deposit my XXXX payment of {$250.00} on XXXX XXXX at XXXX XXXX from my customer and any incoming deposits. USAA has cited technical issues which may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

Hello, I would like to submit a complaint regarding an irresponsible ( and possibly illegal ) process by which Chase Bank recently issued its Sapphire Preferred customers new " touch-less '' credit cards. 

In my case, and I have to assume in the case ( s ) of others, these new cards were mailed -- and, more importantly, activated -- prior to customers verifying that they had actually received them. A vendors attempted to charge my card using an incorrect expiration date and security code, neither of which I could have possibly updated ( or even known needed to be updated ) given that I did not yet possess the new card in hand. The denied charge resulted in a terminated subscription. 

Chase did notify customers that new cards were being issued via e-mail, but 1 ) without any explanation as to why ( the e-mail did not mention that they were being issued because of new technology ), and 2 ) without notifying customers that the cards would have new expiration dates and security codes. 

Denied charges can have serious -- and in some cases -- life-threatening consequences. In my case, the terminated subscription was minor and could be re-activated, but if this card had been linked to my health insurance provider, I could have been at risk for canceled coverage in the middle of a pandemic. If this card had been linked to my utility company, our heat could have been shut off during the middle of winter. If I had been using this card to pay loans, I could be liable for outstanding interest. 

I ask that the CFPB institute and/or enforce penalties for credit card companies which activate cards prior to customers having received them. I also ask that the CFPB hold credit card companies responsible for reimbursing customers for any penalties, fees, interest, or other fiduciary liabilities incurred on customers ' behalf as a result of terminated payment plans or rejected payment attempts. 

Respectfully, A citizen
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item 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: Bank account or service

US Bank ( US Bancorp ) sent checks I ordered to my ex-husband 's house despite the fact that they know my current address and all my mail and my mortgage is for my current address. I have not been able to find out where those checks are. The people at the old address said they sent them back. US Bank fraud department said they were sent to the branch, the branch says they were sent back to the printer and destroyed. The fraud department said I should close down the account and open a new one. However I have all my bills, credit card bills and mortgage on autodebit with that account with the missing checks. If I close it I could get late fees and other penalties the could adversely impact my credit. I also do not have time to reestablish autodebit with XXXX utilities, insurance policies, credit cards, mortgage companies etc.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES AGAIN VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2