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

So, my Chase Sapphire Preferred credit cards payment due date is the XXXX of each month. The statement date is the XXXX if each month. I paid it off in full on XX/XX/XXXX, all {$2900.00} of it. I made sure it the remaining balance was zero. And it stayed as such when I checked the next day which was also a business day to make sure that I was not charged interest. I am aware of the difference between the payment due date and the credit card statement date. I also made sure to not make new purchases on this credit card ending in XXXX so that the pending charges wouldnt get finalized right before the statement date, and I would avoid getting an interest charge. Well, Chase did it anyway. It was sneaky and slimy. This is a terrible and cheap way to earn more money for their business. If I made any charges to the card, it was many days prior to XX/XX/XXXX. The charges should have been finalized and added to my payment amount shown, but it was not. On my Chase app, I did not see ANY pending charges that day. Chase waited until AFTER I paid {$2900.00} on XX/XX/XXXX, to show my latest finalized charges ( from pending which wasnt shown at all ) just before XXXX XXXX statement balance so that they can conveniently charge me a {$33.00} interest fee. Consumers need more transparency ; being able to access our credit card expenditure history on demand is supposed to help us manage our credit card bills easier, but Chases deceptive and slimy sneak charge makes it difficult. I have a hard time trusting banks and credit card companies who do this. We as consumers deserve better. I and other hard working people do not have the time of day to argue with credit card company representatives who dodge each and every question. There needs to be accountability. We deserve to keep our money.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX. 

XXXX XXXX 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
Product: Credit card or prepaid card

In XX/XX/XXXX or before I opened a BOA card for emergencies. I got married in XX/XX/XXXX. I did not realize before marrying this guy he was abusive. He used my card with out my knowledge for years, because I was not allowed to get the mail I did not see the bill. When he maxed it out I saw the bill because he refused to pay it. I called the company and told them what happened and all they would do is set me up on a payment plan. I did not realize I was not liable if I did not authorize him to use it. I thought because we were married there was nothing I could do and they did not tell me I could do anything. We have been divorced not for about 5 years and when I moved out I took only my clothes so my son and I could get away. We moved to another state in hopes he would not follow us. As a result I could no longer pay this bill and was told I should not have to by other people so I decided to not worry about it. When the company called I told them the situation again and they said that I had to pay. I tried to tell them I did not authorize him to use it but they did not care. Now they are suing me. They should sue him for fraud.
Product: Mortgage

I submitted a complaint within the last 60 days of this one. I never received any of the documents I request such as : disclosures, validation of debt. Now the company is denying any amount of payment less than XXXX . And they have told me over the phone that my house is in foreclosure. I am not evading to pay I am simply asking for flexibility such as a payment plan. Instead I am being told that soon my home will be for sale against my will.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically Cash App failed to take timely and affected 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 their 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, credit repair services, or other personal consumer reports

To whomever it may concern, XXXX Under Section 168 FCRA i am disputing the address associated with the original contract, this address does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow. 

I Also request the creditor to provide the ORIGINAL CONTRACT bearing my signature and verify the disputed information under the fair credit reporting act. 

Please note I have previously disputed this information by certified mail TWICE with the creditor 25 days prior and have received no response, below is the tracking number of my second by mail dispute. And a copy of my credit report. I XXXX XXXX solely submit this complaint. 

Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX  in the amount of {$860.00}, XXXX XXXX  In the amount of {$310.00}, XXXX  XXXX in the amount of {$260.00} and XXXX XXXX XXXX in the amount of {$180.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was charged a holding fee of {$100.00} at XXXX XXXX. The transaction was canceled and no gas was pumped. I contacted XXXX about getting a refund they said on their end it showed the transaction was canceled to contact cash app. I contacted cash app and they never fixed it nor acknowledged. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below accounts have violated my rights. 

XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : BMO Harris Bank. I originally had a HELOC line of credit on my condo in XXXX, IL. That property was sold in XX/XX/XXXX and the balance on the HELOC was {$0.00}. The HELOC was never closed by BMO Harris but they did encourage me to use the HELOC after the property closed. I utilized some of that money. The open line of credit was {$95000.00}, I utilized approximately {$65000.00} and paid down that amount. I needed extra time to pay it off, wrote a letter to XXXX XXXX, the CEO of BMO Harris and never received a reply. They submitted my account as delinquent, as there was NO ASSET, no longer any real estate to tie the HELOC to. I continued to pay down the {$65000.00} amount every month. After years of my making monthly past due payments, there was still a balance due of {$9300.00} which was written off by BMO Harris in XX/XX/XXXX. BMO Harris continues to show on my credit report that {$47000.00} was written off which is TOTALLY NOT CORRECT. The total amount written off is {$9300.00}. PLEASE CORRECT.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb / Credit Bureaus/XXXX, XXXX, and Transunion ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least XXXX different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them. 

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!
Product: Money transfer, virtual currency, or money service

I am here to formally express my concerns regarding Zelles handling of disputes, particularly light in the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times repeatedly discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018,. I requested the Method of Verification via return receipt certified mail. Equifax refused to provide me with their Method of Verification.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft since XXXX. I have reached out to Usaa and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.
Product: Debt collection

I am writing to file a formal complaint against several entities involved in the collection and servicing of my mortgage debt, alleging numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

FDCPA Violations : Debt Validation : Despite repeated requests for debt validation on [ Dates ], I have not received the required information from Aldridge Pite, raising concerns about legitimacy and potential fraud.

Multiple Debt Collectors : Aldridge Pite claims to collect the same debt on behalf of two different companies, causing confusion and potentially violating FDCPA. 
Mishandled Debt Transfer : XXXXXXXX XXXX transferred my account to XXXX without providing proper information, violating FDCPA. 
Misrepresentation and Confusion : Aldridge Pite repeatedly misrepresented their affiliation with multiple entities, further muddying the situation. 
Ignored Dispute : Despite timely debt validation requests, Aldridge Pite continues foreclosure proceedings, disregarding my rights. 

TILA Violations : Missing Disclosure Forms : XXXX failed to provide required TILA forms ( H8 and H9 ) regarding my right of rescission at loan closing. 
Ignored Rescission Notice : My exercise of TILA-based rescission and demand for property release went unheeded, with Aldridge Pite continuing foreclosure. 

I urge the CFPB to investigate these illegal and predatory practices and take appropriate action against the involved parties.
Product: Credit reporting

I paid all my payments on time for 5 years to XXXX XXXX. Now XXXX XXXX. I noticed my last payment in 2015 was not posted right away. They took time clearing the check. Now I find a late fee in my credit, damaging my credit. These loans were supposed to help me fix my credit not damaging my credit. I request and investigation and that the late fee be removed from my credit. Thanks a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX  {$540.00}
Product: Mortgage

JPMorgan Chase Bank, N.A., XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL., filed documents that were intentionally inaccurate and submitted without any good faith basis to the United States Bankruptcy Court in the XXXX District of Illinois and the Circuit Court of the XXXX Judicial Circuit Court , XXXX County , Illinois in order to obtain a Judgement of Foreclosure and Sale on XXXX XXXX, XXXX. 

Since XXXX XXXX, XXXX, JPMorgan Chase Bank , N.A . has continued to practice unfair, deceptive acts and business practices by denying consumers Rescission Rights. 
Consumers Rescission rights are as follows : Rescission Rights ( Open-End and Closed-End Credit ) - Sections 1026.15 & 1026.23 TILA provides that for certain transactions secured by the consumer 's principal dwelling, a consumer has three business days after becoming obligated on the debt to rescind the transaction. The right of rescission allows consumer ( s ) time to reexamine their credit agreements and cost disclosures and to reconsider whether they want to place their homes at risk by offering it as security for the credit. 

To rescind a transaction, a consumer must notify the creditor in writing by midnight of the third business day after the latest of three events : Consummation of the transaction, Delivery of material TILA disclosures, or Receipt of the required notice of the right to rescind. 

This complaint will serve as Notice to JPMorgan Chase Bank, N.A, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Il to rescind loan transaction XXXX based on failure of JPMorgan Chase Bank , N.A . to : Consummate the transaction, Delivery of material TILA disclosures, and Receipt of the required notice of the right to rescind. 
If the consumer rescinds the transaction, the creditor must refund all amounts paid by the consumer ( even amounts disbursed to third parties ) and terminate its security interest in the consumer 's home.
Product: Debt collection

JPMCB Auto refused to remove my closed/charged off account that is over 9 yrs old. I have filed MANY complaints asking for it to be completed removed. I am either denied or they change the payment history and report it as active. CURRENTLY both agencies are showing I have currently " 4 missed payments '' that are 60-90 days late and " needs attention ''. XXXX credit score is XXXX and XXXX is XXXX. These false reporting payment changes are " active '' which negativity affect my credit history & score. Both reporting inaccurate details and refuse to completely remove it from my credit. 
Your JPMCB AUTO FINANCE payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - 30 Days Late Here is what your payment history showed before : XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late JPMCB AUTO 60-89 Days Late | {$4300.00} past due You have missed a payment on this account. 
JPMCB AUTO Last reported XX/XX/XXXX {$4300.00} Reported balance Highest balance {$21000.00} Closed JPMCB AUTO FINANCE Last reported XX/XX/XXXX {$4300.00} Reported balance XXXX points since XX/XX/XXXX XXXX
Product: Debt collection

Re : Proof of Claim filed in US Bankruptcy Court-XXXX NJ Division Case No : XXXX Filed by : XXXX XXXX XXXX XXXX , FSB , d/b/a XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE TAs per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 



I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts : XXXX XXXX. {$680.00} XXXX XXXX  bal. {$1600.00} XXXX XXXX bal. {$160.00} XXXX bal. {$11000.00} XXXX  bal. {$500.00} XXXX bal. {$11000.00} XXXX  bal. {$30000.00} XXXX XXXX XXXX ACCOUNS WITHIN XXXX BUSINESS DAYS!
Product: Debt collection

I had a credit card debt with XXXX XXXX XXXX, this debt was written off on XXXX/XXXX/2009, somehow a McCarthy & booth of XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my XXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per XXXX XXXX XXXX .harassment from this law firm has gone on now 4 years.