23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I submitted a dispute with JP Morgan Chase regarding a credit card I had open with them. From XX/XX/XXXX through XX/XX/XXXX over {$14000.00} in charges were made on my account for XXXX Purchases that I did not make or authorize. I attempted to handle the issue through XXXX and XXXX before submitting my dispute through Chase. I followed all the requirements of the Fair Credit Billing Act in that I submitted a written request detailing the fraudulent charges. Although some charges were made outside of the 60 day window I did not become aware of them until XX/XX/XXXX. Initially Chase removed the charges from the account, but then they were added back on. The first written communication I received from Chase regarding this was sent on XX/XX/XXXX stating my fraud review was completed and the charges were found to be valid. I protested and received another notice stating this again on XX/XX/XXXX. Prior to this no other written communication was made or received by me from Chase. I believe this is a direct violation of the FCBA and in accordance with that act I should not be held liable for these fraudulent charges.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and their 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

I have reached out to Transunion in regard to this matter. These accounts and inquiries listed below do not belong to me. According to 15 U.S.C 1681 section 602 A. it 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. Delete these invalid accounts immediately, unless you want to be held {$1000.00} per violation. I did not give any XXXX permission. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN TO BOTH EXPERIAN AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY Experian XXXX XXXX XXXX XXXX DateXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from experian
Product: Debt collection

XXXX XXXX sent a fraudulent debt to a collection agency, PORTFOLIO COLLECTIONS. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by XXXX XXXX that was sent also FRAUDULENTLY to PORTFOLIO COLLECTIONS who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both XXXX XXXX  and portfolio collections in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I direct deposited some money onto my cashapp account. In order to send to family members who are affected by covid 19 and are struggling. They then wouldnt let me send money stating my account has been temporarily locked for 24 hours. I waited the next day and it said the same thing. The next day I tried to link my bank card to my cashapp to retrieve my money because my family are in need. And it wouldnt let me stating my account is temporarily locked for 24 hours. I then emailed them and no response. The next day I emailed them again to unlock my account and nothing. I then tried to go to the bank to pull out my money and it wouldnt let me. So basically my funds are sitting there frozen. I have family members who depend on me I dont have time for this. My account has been locked for three days. I emailed them 4 times and no reply.
Product: Credit reporting or other personal consumer reports

This morning, I discovered accounts on my credit report that dont belong to me, and Im completely baffled. Ive always kept a close eye on my credit, but suddenly, there are mistakes that I cant explain. I even tried refreshing the page, hoping it was just a glitch, but the errors are still there. Please, Im begging you to carefully review the documents Ive provided so I can finally feel some peace of mind.
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2024 Amount : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed a letter to the creditor and CRAs to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, XXXX Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Product: Credit reporting or other personal consumer reports

I paid off my car loan with XXXX XXXX and the balance is still reflecting {$25000.00}. My Account number was XXXX and they have not updated the account balance to XXXX. They have not provided me any documentation showing its been paid in full.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote multiple laters and sent proof of XXXX  police reports and they have yet to resolve my issue
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I AM WRITING TO REQUEST VALIDATION OF THE DEBT REFERENCED ON CREDIT REPORT AND YOUR LETTER DATED XX/XX/XXXX, WHICH I RECEIVED ON XX/XX/XXXX. UNDER THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ), I HAVE THE RIGHT TO REQUEST PROOF THAT I AM RESPONSIBLE FOR THE DEBT YOU ARE ATTEMPTING TO COLLECT. 

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00}. IN ACCORDANCE WITH THE FDCPA PLEASE CEASE ANY COLLECTION ACTIVITIES UNTIL YOU HAVE PROVIDED PROPER VALIDATION OF THIS DEBT. 

I INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND TRANSUNION MULTIPLE TIMES AFTER MULTIPLE DENIALS.
Product: Mortgage

In XX/XX/year> I paid {$4400.00} to pay off the remaining balance of my HELOC. This was an overpayment of {$340.00} as listed on the next month 's statement, showing a negative balance of {$340.00}. To correct the overpayment, I issued myself a check from the HELOC for the credited amount owed to me. On XXXX XXXX, Pentagon Federal Credit Union issued a check to me for the same {$340.00}. As I had already resolved the issue by writing a check to myself for that amount, I did not cash their check to me. Pentagon Federal Credit Union began charging me interest on the check they mailed out as of the date of mailing, but they are charging interest on funds that were never actually distributed from their institution. I have called twice to resolve this and both times they insist that I still owe them the {$340.00} from the check that I never cashed. The check 's description says " Credit balance refund '' so there is no other reason for the issuance of the check. I have refused to pay the {$340.00} since the money was never in my account or removed from their institution and today I received a letter of delinquency stating I owe a minimum payment of {$100.00} and {$5.00} in late fees to cure the default.
Product: Credit card or prepaid card

My card keeps getting flagged for fraudulent activity. I have called and answered questions many times to verify its not fraudulent In XXXX I had to file a complaint because they permanently restricted my account, locking {$16000.00} of rewards, and stifling my business that has dozens of recurring transactions a month. They thought I was lying to them about how I was even though I was able to provide them all of the documents they asked me for. 

That issue costed me thousand in lost time and staff hours to correct all of my recurring accounts. Capital one eventually removed the permanent restriction and made my card work again. They apologized. 

Now it is happening again. I tried to make a purchase at XXXX XXXX XXXX and it triggered fraud. I spoke to the agent and answered all of the questions and verified all of the purchases. Then she said I dont know why its doing this because you answered all of the questions correctly, but its saying I must cancel your card I asked to be escalated to a manager and went through same process and was told the same thing. They dont know why its happening. 

I think Cap One is targeting me for something. It doesnt make any sense Now I have to spend more time and staff resources to fix all of our recurring transactions that will be failing. Dozens a month. 

This is becoming a consistent problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card

I have been a capital one member since XXXX the card ending in XXXX. I reached out on XX/XX/XXXX to see if there are options to enroll to a hardship program. The first agent I spoke to left me on hold to check and see if there are any eligible programs to help me bring my account current. I was on hold for a few minutes and the agent I spoke to said that there are no offers because of the account status I ended the conversation. I called back again and explained the hardship to another agent. The agent I spoke to for a second time said that my account is not eligible for any hardship program. And to make a partial payment and to check back for offers but it is not guaranteed. I am very displeased and very upset that capital one wont work with me to lower my monthly payments and now Im going to miss a payment and be charged late fees. If no one is willing to work something out I will escalate this CFPB and to XXXX. I wont continue doing business if Capital one wont work with me.
Product: Debt collection

I contacted the company XXXX today to advise them that a collection was placed on my credit profile without my knowledge as well as not having any knowledge of the collecting account or did I have any signed contracts with them to my knowledge. I was told to verify my information with them so I did and I was given more information on the reporting account along with balance and account open dates. the reporting account has a balance of XXXX dollars along with XXXX late payments. I was told that I should file another police report to send to them and verify again who I am that's presenting them with the police reports along with the identity theft already. to no avail I was rushed off the phone and told to call back and less busy times for better service. I also stated that my rights have been violated According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.
Product: Mortgage

On XX/XX/XXXX an Appointment of Successor Trustee was filed in the XXXX XXXX Missouri Recorder of Deeds. The document is XXXX XXXX. The Grantor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but trustee for XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The Grantee is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. The Mortgage Holder XXXX Mortgage XXXX XXXX and XXXX XXXX were not registered with the SEC. XXXX XXXX XXXX. By acting as Attorney in Fact for XXXX XXXX XXXX doing Business as XXXX XXXX XXXX for XXXX Mortgage XXXX in appointing XXXX and XXXX  as the successor trustee Selene Finance was purporting that the loan was owned by this trust before the mortgage was foreclosed on. By acting as the successor trustee in executing the Successor Trustee Deed Under Foreclosure on XX/XX/XXXX, XXXX and XXXX  was purporting that the loan was owned by XXXX XXXX XXXX XXXX doing business as XXXX XXXX as trustee for XXXX Mortgage XXXX, The foreclosure was scheduled for XX/XX/XXXX and rescheduled for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX submitted documents to the XXXX 's that he purchased the property on XX/XX/XXXX. The letter was produced on the letterhead of Attorney 's XXXX and Associates XXXX XXXX XXXX  XXXX, Mo XXXX. Phone Number XXXX XXXX stated that he did not buy the property on XX/XX/XXXX that the sale was XX/XX/XXXX. XXXX XXXX with his attorney XXXX and XXXX gave the XXXX 's a on XX/XX/XXXX a notice to file and Unlawful detainer. Under Missouri law XXXX XXXX notice of the date of foreclosure sale must be given to the tenant. This was on the notice is XX/XX/XXXX, XXXX law in Missouri under statue XXXX.that if the sale does not happen within seven days of the notice the lender has to start all over again.
Product: Credit reporting or other personal consumer reports

I had three credit card accounts which were reporting to XXXX, Transunion, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, XXXX, and Transunion ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, XXXX, and Transunion, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5.

I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.
Product: Debt collection

On XX/XX/2018 a letter was sent to XXXX XXXX XXXX   to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies. Neither happened and calls have continued to try to collect.
Product: Money transfer, virtual currency, or money service

This is a continuing complaint from one that you closed that was not to my satisfaction because I did not get my scammed money back from Bank of America. As a Bank if America customer I authorized the transfer of my money through XXXX to a person who I thought was legitimate at the time but who was a scammer. 

The details to this case are on my previous complaint. 

I want this case reopened and I want Bank of America to be accountable and pay me back money I list authorizing its transfer through XXXX to who I thought was a legitimate person at the time but who I later found out was a scammer. Yes I authorized the money transfer -/ only later did I find out the perdn was a scammerbut bank of America is claiming there is nothing they can do to recover my money nor do they want to pay me as they said I authorized it. Yes o did, but if I knew they were scammers, would I have transferred it? Bank of America is getting away with XXXX and the federal government and CFPB is not doing enough to help defrauded customers like me. Clearly if XXXX didnt make it that easy I clearly would still have my money right now. The bank is asking me to contact the scammer. Really? If it were that easy to recover my money from the scammers I wouldnt be wasting my time writing these complaints. I will not let up until I get my money back.