23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a new Chase Sapphire XXXX XXXX. During a customer service call before I received my card, the rep said I had an existing account. I did not believe this was accurate. They told me not to worry since it was already closed. I didn't like this response. Once I was able to access the account online, the closed XXXX card appears in my account. I still don't recognize it. I disputed the account with all credit reporting agencies. 
Today, I went to use the Sapphire card to purchase travel through the Chase XXXX portal. I happen to look at my profile and it shows my maiden name, which is associated with the XXXX account. I called Chase XXXX. He confirmed that had I booked the flight, it would have been in my maiden name. This would have been an awful travel experience. Chase XXXX transferred me to Chase XXXX XXXX. At first, the rep told me that I had to send name change documents. After I protested, they transferred me to a supervisor. The supervisor was told my name was wrong on my replacement card. I told her my card was correct but it was wrong on the travel portal. First she said it would take 14 days, then she needed some time to resolve it over the phone. She came back to say she ordered a replacement. I don't know why. I don't want a replacement. Then she wanted me to go through some other verification. She said to correct the travel portal but I don't know why I would need to verify my identity since I am an existing customer and the internal systems are out of sync. I refused. I am very frustrated and don't want to do any more work to be a customer. This is a horrible customer experience.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX of XXXX  I requested that Experian please provide me with the method the used in validating some accounts listed in the attachment and they had 15 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.
Product: Checking or savings account

I have had 3 fraudulent/unauthorized charges from XXXX on my XXXX XXXX card. I do not use XXXX and have not placed any orders. I contacted XXXX and they could not find my account. I stopped using XXXX before I had a cash card. After the first charge I found that I lost my debit card, so I closed it and requested a new one. Since then I had 2 more charges. I have disputed the charges with Cash App and they have denied the claim based on documents they have. Cash app says that you can request the documents at any time, but when I have reached out, they have said that they can not give me access to the documents. I feel like I am getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself to address the imprecision on my Credit Report. I am unaware that my courthouse has the ability or manpower to call Transunion and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the an actual third party that provided you with the details for the following : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Mortgage

I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying. 
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle reduction to the current market value of my home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 24.1F financial loss, and I seek appropriate redress for the violation
Product: Debt collection

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, the President of Zions Bank. I was providing feedback and was explaining my past situation. It was not even 16 hours later, I received a alert from XXXX about ZIons Bank pulling my credit. I called to find out why, and was eventually contacted by a gentleman who claimed to want to " settle '' a very old account. I explained my inquiry and this gentleman accused me of working for the State of Arizona, I told him I had been XXXX since XX/XX/XXXX. He then discussed trying to take my home. I told him we were doing a rent to own situation, and he claimed he had government information stating to the contrary. I was being treated like a criminal. I never even consented to them running my credit. For that matter, I never even provided identifying information. I gave my first and last name. I never provided a date of birth, social security number, address, nothing else. I think these people would take money from a XXXX persons hands. I have been XXXX for several years. It will eventually lead me to my early death. How many of the banks customers are treated like this. I did not ask to become ill. I believe that this should also be sent to the Federal Trade Commission, I remember receiving a post card in the mail about an action against Zions Bank. I believe I was involved in a class action suit against them. Maybe they should be investigated again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry XX/XX/2018 - XXXX and Experian is reporting - This was an unauthorized inquiry not authorized by me.
Product: Checking or savings account

My mother wanted to add me to her account in the event something happens to her. She is in her 80 's with health concerns, When we went to the Chase branch today the bank officer said she could not do it because I had a closed account in 2018. Not that I owed the bank money, but I had a closed account. What does a closed account have to do with having access to her account in case of an emergency. This is a multi-billion dollar international financial institution. What purpose does it serve to deny me access. I don't owe Chase any money. Chase should get over it. I have never been so disgusted. You should have seen the nasty, unprofessional letter they wrote me about the account they opened then closed. They are the ones with questionable integrity. Click this link. XXXX : XXXX If they do not honor my mother 's request. I'll get the word out to my 500+ connections who will see how a XXXX dollar bank treats mainstreet . Wonder what the Obama Foundation would say?
Product: Debt collection

on XX/XX/year> I received a copy of my consumer report with accounts furnished fraudulently. I reached out to the credit bureaus to investigate my credit report multiple times because I have been a victim of Identity theft. I supplied the FTC report as well to back up my claim. Sense the data furnishers have not responded to my request for proof I want these items removed permanently. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information. The accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these data furnishers have a legit reason to be listed on my consumer report and they are violating my consumer rights by furnishing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Company : XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, XXXX XXXX ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly 6 years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a single mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not Experian or XXXX. Please help.
Product: Checking or savings account

On XX/XX/XXXX, truist bank decided to close my account and I was told I would be getting the balance of the funds in a check form. It's been XXXX months now and Truist is still unwilling to release the check to me despite my account being closed. The account balance is around XXXX. I have attempted to contact truist at a weekly basis in an attempt to retrieve my funds and Truist have been unwilling to send me the check to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major security breach and my personal information was stolen.
Product: Credit card

Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for XXXX were XXXX ; however the next billing statement is n't till XXXX. This leaves a 7 day black hole. My minimum payment is XXXX. I pay XXXX every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. XXXX. I was charged a late fee of XXXX. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middle of their statement period which actually gives me only 24 days to pay. This is a scam, along with their other policy to move your credit limit down to a point where your interest charge makes you go over your new lowered available credit. AHHHHH!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX  Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from XXXX, XXXX, and Equifax. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : Equifax : Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
XXXX and XXXX : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. 
Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. 
Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question.

Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within XXXX XXXX  of completing the investigation. 
If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA. 
References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers. 
15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. 
Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX contacted my mother and discussed that I will be going to jail if I don't contact their company within so many days. I feel my rights was violated this company had no right contacting my mom discussing any of my business with her. My mother was extremely upset and was sure if she needed to go to emergency room. My mother is XXXX years old and was very concerned about this call. I spoke with a Mr. XXXX XXXX and a Ms. XXXX XXXX at XXXX. They violated my rights. 
They need to following the collection laws and practices.
Product: Mortgage

We attempted to do loan modifications with Wells Fargo they delayed every step of the progress and were unwilling to assist us with a loan modification so we seeked outside help from attorneys in Florida only to find out that that company was a scam so we threatened to notify Illinois attorney general and received a refund from the company in Florida and as a result more time passed and we wound up losing our home due to unwillingness of Wells Fargo to help us
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX, Equifax and XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. 

" See Attachment '' for All Accounts and inquiries 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 
Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. 

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX are consumer reporting agencies and I am the consumer.
Product: Credit card or prepaid card

There is a single late payment appearing on my credit history in XX/XX/XXXX for a XXXX XXXX ( XXXX XXXX ) account as reported to the credit bureaus that I feel should be removed from my history as they had already revised this on my account, even refunding the late charge, but still being reported by them as late. 
At that time I had called to explain my husband 's condition, which had eventually lead to his XXXX in XX/XX/XXXX. 
Based on the full history of this account I believe this single late payment should be removed from the credit reports. 
Thank you.
Product: Credit card

I found out about this fraudulent credit card from a report by XXXX. XXXX who is a company trying to help me with a few fraudulent problems I'm having, saw it first and reported it to me. The credit card was taken out at a Truist bank in XXXX, NC. in late XX/XX/year> for {$10000.00}. 
It was obtained by using a fraudulent Drivers license in my name and my social security number. The address given by the criminal applicant was XXXX XXXX XXXX. XXXX, FL XXXX. A fake phone given was XXXX. 
How do they get away with this???? 
I went to a local Truist bank and a fraud claim was filed XXXX XXXX XXXX by their fraud team. 
phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempt for early ones to look at multiple documentation from XXXX XXXX XXXX regarding my account early warning systems refuses to correct the status of the account when it was closed. they have literally been most unethical unprofessional people I've ever experience on Earth. I am appalled and disgusted that they have my social security number and personal information. 
I have literally given them documents in a dispute a month ago showing that my status on the account should be settled it should not be unpaid. 
early warning systems refused to follow the law and look at evidence that I already gave to them. they have literally done nothing to fix an error that I have proven to be incorrect.
Product: Debt collection

I am requesting the method of verification under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). My rights were violated under 15 USC 1681 & law FCRA Section 605B & 605E. No signature! Debt is not mine.