23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase bank has refused to resolve an issue regarding my debit card not being able to be added to XXXX XXXX. Ive contacted XXXX and the issue is the token that is assigned to my debit card to be added to digital wallets needs to be deleted by the card facilitator by the request of Chase bank so a new token can be authorized. Ive tried to resolve this with Chase for over a week and have spent hours on the phone to get nasty XXXX customer service and attitudes from unqualified nasty XXXX representatives and supervisors on these recorded lines, a XXXX XXXX joke. I even requested the supervisor from one of the several wrong departments I was transferred to, I requested if we could do a conference call with XXXX and XXXX to resolve the issue since it is being flagged by XXXX as why the card cant be added and had to argue with some nasty XXXX lady supervisor on the XXXX phone and the issue still isnt resolved. XXXX doesnt give a flying XXXX about customer service on their phone support.
Product: Debt collection

I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was XXXX  for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of late payments on accounts with XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 
I have disputed the presence of these account on my consumer report multiple times. Equifax claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which these were verified on my consumer report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I have raised concerns about the late payments posted on my accounts with XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. Equifax has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I believe that Equifax failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers. 

Thank you for your prompt attention to this complaint.
Product: Debt collection

Repeated requests for them to stop contacting me, including a formal Better Business Bureau complaint where I again asked them to stop contacting me, but they are now calling my cell phone repeatedly again
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), XXXX personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I see on my credit report that my transaction history is being reported. As per 5USC 552a, the Privacy Act of XX/XX/1974, and 16 CFR 313, I invoke my right to protect my privacy and for XXXX and credit reporting agencies to uphold the law, that includes XXXX transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it.
Product: Credit card or prepaid card

I have had a 'medical ' credit card account with Synchrony Bank for years. To my knowledge, I had never missed a payment towards my bill. 

In XX/XX/2021 I added a 'new payment method ' to my account with Synchrony Bank ( medical credit card ). This payment method was my XXXX Checking Acct '. I did this so that my payments towards this credit card would be taken out of my XXXX since the credit card is specifically for medical billing and my HSA is for medical, as well. 

After setting up the payment info electronically, when it was time for my regular monthly payment to be taken out of my XXXX, 2 payments did not go through. I contacted Synchrony and learned that 'something was wrong ' with the account number with the XXXX  Checking account that I added to my Synchrony account as a 'payment method '. Synchrony told me my account was okay and that I did not need to worry about making any payments until my next bill. 

I contacted my credit union and learned that due to security reasons, my HSA Account number reflected on my XXXX XXXX Statement was missing 'certain numbers '. As a result, that's why the payment transfer did not go through successfully ( I didn't have ALL of the account number when I set up the transfer ). I was not aware of this security protocol when I set-up the transfer between XXXX and Synchrony. 

In XX/XX/2021, I abruptly learned that my Synchrony Bank credit card was closed. The credit card company never called and informed me that there was something wrong with my account and that my account was at risk for closure. So, I called Synchrony Bank and spoke to a Supervisor. The Supervisor informed me the reason for my account closure was due to 2 missed payments in XXXX. I informed the supervisor what happened regarding the mishap ( account number ) between my XXXX and Synchrony. I informed her that I spoke directly to Synchrony 's Call Center when this mishap occurred and they ( the agent over the phone ) told me there was no problem and I did not need to make a payment until the next time by bill was due. The supervisor responded and said 'Synchrony Bank has the right to close accounts whenever they want '. She ignored the fact that their agent lied to me and never told me my account was at risk for closure. 

I asked the Supervisor for the phone number to a person above her and she reported there was no number, that the only way for me to reach someone else would be to write a letter. I reiterated that 'no number ' was available for another supervisor, and she reported 'no '. 

Since this incident occurred, I no longer have a medical credit card to help me with the burden of medical expenses. As I mentioned already, my credit is in great shape and I had never missed a payment. I feel Synchrony Bank needs to be investigated and as a consumer I did everything that I was told to do by their agent, however ; my account was closed and my concerns were ignored.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 
I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. XXXX XXXX.
Product: Mortgage

We received notice from the home insurance company ( XXXX ) that the policy had lapsed because the lienholder/mortgage company ( Wells Fargo ) did not pay the premium. XXXX claimed that Wells Fargo was not the listed lienholder. However, the mortgage was neither sold, nor had we refinanced. Eventually, Wells Fargopaid XXXX and the home insurance was reinstated. However, XXXX is now claiming that in XX/XX/2021 paperwork was submitted to refinance the mortgage and change the mortgage company. We never refinanced, and have not changed the mortgage company. 

XXXX refuses to correct the paperwork or provide us with any assistance in correcting their error.
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 a account without my written instructions.
Product: Debt collection

ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) a regulation E. These actions have caused significant inconvenience and financial loss, an I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Elecetronic Funds 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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

purchased airline ticket from XXXX XXXX using my American Express card on XX/XX/2023 in the amount of {$840.00} due to ill health had to cancel the trip then contacted XXXX XXXX and successfully canceled on XX/XX/2023 cancelation was completed within XXXX XXXX and XXXX XXXX guidelines XXXX XXXX has promptly issued full refund to XXXX XXXX I can see full amount credited in XXXX XXXX {$840.00} the XXXX XXXX does not list custom service phone number nor do they list customer service email on their entire site there is no way to request refund from them I've disputed the charge with American express and they are dragging their feet
Product: Credit card

American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.
Product: Credit reporting

Transunion removed inquiries from my report and added them back with proper notification and it 's against FCRA