23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been called by this company five different times today, XX/XX/18 - XXXX, XXXX, XXXX, XXXX, and XXXX. They never leave a voicemail stating who they are or why they are calling. It is only through research that I discovered it is related to a late payment I have with PayPal. I have blocked this number on my XXXX yet their phone calls continue to come through.
Product: Checking or savings account

Filed a dispute for unauthorized charges on XX/XX/XXXX with Chime Bank, was denied on XX/XX/XXXX for no apparent reason. Opened a rebuttal with the bank and requested evidence for why it was denied. The bank sent me photos that only contained my original disputes, indicating that they didnt have any evidence that led them to deny it initially. After my rebuttal was put in, I was told by XXXX different agents on the phone that I would receive a provisional credit within XXXX business days. After not receiving the credit after the XXXX business day I called again and was then told my dispute didnt qualify under regulation e. They state that charges more than 60 days out do not qualify, however these charges were only more than 60 days out for my rebuttal due to them denying the first claim. This seems like it was blatantly done intentionally to string along this process and Ive now been months without my money.
Product: Student loan

Due to the XXXX XXXX XXXXXXXX XXXX this was closed and I also should be receiving some kind of compensation due to My taxes being taking before due to this fraudulent unauthorized agent Me or My Parents never signed for also I have tons of prove the account was closed but still negative on My consumer report for years I have dealt with this false and fraudulent account for over 20 plus years it's back open since XX/XX/2024 clearly Illegal Unacceptable and needs to be removed immediately from each and every Debt Collection Agencies and Third and Fourth Party Vendors and Companies and I also want to file a lawsuit for discrimination, identity theft, slander and predatory lending and also all fees and losses due to this Illegal matter I have sent in multiple complaints about this issue no help and it's public records XXXX XXXX XXXX XXXX is apart of the settlement and clearly and finally been busted and still I wasn't not notified by USPS mail, email or phone it's truly amazing how Corporations steal take and make false Unauthorized decisions for your financial well being XXXX has Breached My data also XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX and illegal immigrants please remove immediately effective asap sign XXXX XXXX XXXX XX/XX/2024 I also would like help find legal services for id theft protection and filing a civil lawsuit against all partys involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were deleted from XXXX and XXXX but, still appears on my Experian reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.
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 violate the consumer financial protection app ( cfpa ). 
Specifically, cash app failed to take timely and effective measures to prevent an adress fraud in 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 cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have disputed the alleged debt on a number of occasions yet XXXX XXXX continues to attempt to collect. Over the last several years they have placed this account for collections with multiple, third party collection agencies. I have disputed this debt with each collection agency and each time it has been removed from my credit bureau and I have been assured that it has been resolved/cleared. This is a never-ending cycle where XXXX will place the account with a collection agency, the agency will report to the credit bureaus-I then dispute the debt and the debt is removed from my credit bureau and I don't hear anything for a while until XXXX then places the account with another collection agency and the cycle repeats. Currently, XXXX has placed this alleged debt for collections with Maury Cobb Attorney at Law, LLC for collections. This is the 5th or 6th collection agency they have placed this account with. I do not owe the alleged debt. I have disputed this with XXXX directly. I have disputed this debt with all of the various collection agencies they have placed the account with. With each dispute, I have received confirmation that the alleged debt has been canceled and that the debt is removed from my credit bureau report. However, this is only temporary until XXXX XXXX decides to again, place this account for collections with yet another collection agency. This cycle does not end however it needs to end now.
Product: Checking or savings account

I've had an account with Chime for more 3 years now, in which I have my XXXX check deposited every month. Starting back in XX/XX/XXXX of XXXX I started noticing different things with my account first off they never gave me the XXXX refer bonus they promised, then they have my phone number and a woman named XXXX, under the same phone number attached to my account so that has become a problem with different transactions which I contacted Chime about on many different occasions starting in XXXX of XXXX of this problem to no avail. I also noticed unauthorized transactions coming from XXXX XXXX XXXX XXXX XXXX XXXX, I've had this problem with XXXX through several different accounts now, so I also contacted time to dispute these to dispute these transactions, in which after going through the process several times they denied I even rebutted because they denied ( in less than 24 hours they said they had investigation the problem, ) I have disputed the same transactions with time on about eight different occasions starting at XXXX all the way up until XX/XX/XXXX of XXXX. The problem with XXXX having the same number as as I has cost me money also because when transferring money to another card it paid XXXX instead of me which I also contacted talking about several times disputing this problem and to no avail also. I also have contacted the time because when I signed up for my account I was told that I would have a {$200.00} spot me account where if need be after meeting their requirements which were I was to have a direct deposit every month and stay in good standings with them which I have yet I haven't gotten the perks from what they promised in fact their spot me program also has where friends boost each other {$5.00} a month and I don't even get my spot mes, from other members that send it to me I've also made them aware of these problems this problem to no avail. Several times now I've reached out to time and that associates to have these problems fixed after making sure that I had followed all the rules and regulations and got the federal guidelines yet Chime does not has not done the same I've attached documentation to prove what I'm saying thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to gain access to my credit report online due to fraud. I have made numerous attempts in order to gain access to my credit report. I have sent TransUnion the requested information in order to prove my identity. I was told on the phone by a TransUnion representative that the System showing is a mix file and because of that I needed to submitted my Birth Certificate, Social Security card, utility bill and a copy of my Driver 's license. Which I paid and sent certified through USPS. Besides the vague response I received in response to complaint # XXXX through the CFPB no action has been made to correct my mix file issue. I am submitting another complaint because nothing has been/ is being done and my credit is being adversely affected by me being denied a refinance loan in order help save my home! 

15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Debt collection

I received a letter from The Law Offices of Robert J Colclough III originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The XXXXXXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the Leving Officer XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed.

I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXXXXXX XXXX XXXX  XXXX collected the debt. from XXXX XXXX XXXX XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The XXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of Robert J Colclough III The XXXXXXXX XXXX XXXX.
Product: Debt collection

LVNV FUNDING LLC claims that I owe a debt but they failed to present a contract that makes me liable for a debt I never applied for a loan or any credit application with LVNV FUNDING LLC or XXXX XXXX XXXX XXXX these company are in violation of Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601, 1692 a ( 5 )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I have report this account XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2017, I lost my Job, and for loan that I had with them of a monthly payment in the amount of {$500.00} was an excessive amout that ai could not pay in total. By calling the company and by calling the company I had the chance to set up a payment arrangement, which was to pay {$300.00} a month, but close to the end, the agent on the phone mentions that by changing the payment plan, the interest rate will raise by 15 % more, when it was already high enough for me to pay.
Product: Checking or savings account

I was a victim of a fraud where my Chase online banking information was hacked and someone tried to XXXX their account. The hacker first sent {$550.00} to a recipient on my list which went through and then tried to send {$250.00} to their own account which was flagged by Chase since I do not have a history with that person. My account was restricted and I was forced to go into a branch and was advised that I needed to open a new checking account and have all the funds transferred over. The funds transferred to my newly opened account was correct except it was missing the {$550.00} which was still in that recipient 's account. I reach out to them and they confirmed that the money was in their account but Chase had froze his account as well and he was not able to access that money to refund it back to me. We both called in on a 3 way call to open a claim and they later transferred us to a different department who told the recipient that Chase is ending their relationship with him and he could no longer have an account. The same thing happened to my account moments later and we were both told that we would no longer be allowed to bank with Chase Bank and they are closing our accounts. They later told us that the account would close in 10 business days and up to another 7 business days to get our funds back in the mail. Completely unacceptable given the circumstances, I was a victim of a fraudulent activity and Chase has literally gone above and beyond to make this experience worse for me and even as far as to close out the account of the recipient who has nothing to do with this and has even offered to refund me the money!!! Now we both have to wait 17 business days to receive our funds back and can no longer bank at Chase that I actually used to work for. Unacceptable behavior as a bank and company ...
Product: Vehicle loan or lease

My lease was behind 30+ days when I called to make a payment I called in and a rep told me i wasnt able to make a payment do to my lease matured. I was told i can purchase the car for XXXX, I would need to apply with a lender I was told. Two months has past and my wife called to make a payment since the car was still in our possession the rep excepted her payment of {$470.00} on XX/XX/XXXX which is the monthly payment he told he that the car was in repo status but this payment would bring it out of repo status. XX/XX/XXXX American honda finance had a third party XXXX That same day I called American Honda Finance to find out who took/stole my vehicle. they said XXXX had possesion of my vehicle and that it was taken because of non payment. I kindly reminded the rep they would not allow me to pay for 2 months straight. I asked if i can pay what was owed they denied me once again. The Rep then said I must pay {$14000.00} which is the balance of the vehicle, this was XX/XX/XXXXXXXX  the said the vehicle in 16 days XX/XX/XXXX which included holidays and weekend. They Have Violated XXXX XXXX They did not send a pre-sale letter. XXXX XXXX. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. 
( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions. 
( b ) [ Damages for noncompliance. ] Subject to subsections ( c ), ( d ), and ( f ), a person is liable for damages in the amount of any loss caused by a failure to comply with this article. Loss caused by a failure to comply may include loss resulting from the debtor 's inability to obtain, or increased costs of, alternative financing. I wrote them XX/XX/XXXX via fax and USPS Certified mail # XXXX and XXXX c/c XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I the consumer /individual am writing TO DEMAND THE RELEASE OF STOLEN VEHICLE, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  ACCT # XXXX YOU ARE IN VIOLATION OF SAID ARBITRATION CLAUSE OF VEHICLE/CONTRACT. SEE ATTACHED, ALSO REFERENCE XXXX XXXX, XXXX et XXXX XXXX XXXXXXXX XXXX XXXX XXXX, alleging violations of federal and state antitrustlaw, ... Also under XXXX, AND FED LAW, a required, '' commercially reasonable sale ", can never be proven, see XXXX XXXX XXXX, XXXX, ... ... your possession of said vehicle /Grand Theft. THIS IS YOUR LEGAL/LAWFUL NOTICE, Of INTENT TO SUE, PENDING YOUR FAILURE TO COMPLY/RELEASE SAID VEHICLE, and resolve this matter, accordingly, through contractual mandated arbitration. Any furtheradverse actions could make you liable, for any court mandated award, including punitive damages.please goven yourselves accordingly, XXXX XXXX I am a consumer. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX XXXX I was XXXX  due to XXXX and related illness. Have a Capital One Bank Spark Business Card. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and Capital One only concern is about getting paid. 
I have XXXX other Capital One accounts in good standing, never been late and both open for a period of time.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX, I was notified by text of a declined charge at XXXX XXXX of {$2400.00}. He was asked if this was him. At XXXX I responded " No. '' No response was given from Chase so on XX/XX/XXXX at XXXX, I responded " NO '' again and this time I was notified that my card would be cancelled and a new card would be issued. An image of these text messages have been shared with the Chase Fraud team. I did not purchase this item and it's clearly a fraudulent charge.

Having been a Chase member for over 10 years, I have spent hours on the phone with the Fraud team and have been told that they will not reverse this charge. I received an email from XXXX XXXX stating that this purchase occurred in XXXX, CA and was picked up in person. XXXX XXXX has not produced any video evidence or my signature picking up this product. In fact, I have never been to this store. 

I have had a good experience with Chase bank over the years and am high net worth individual as evidenced by my bank accounts and the 3 credit cards I currently hold with chase. 

As mentioned, chase has not provided an proof ( signatures, video, or any evidence at all ) that I actually made this purchase. They have gone to their highest level appeal and have declared this is a legitimate charge and I need to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Account opened XX/XX/XXXX and deposited {$1000.00} when I go to coinbase.com - everyday since the account was opened : Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status.

There is no response and no telephone number to call.

Automated Customer Help says top wait 5 or 6 days - They have said that to me 4 times.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX