23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

information is gathered since age of XXXX, in case of youngns less than that to record, gps trace, listen in etc.. including gathering of emails and phone numbers which are protected under the 4th ammendment and recently ruled on. 

If the police cant intercept nor can they fake a cell tower, then how in XXXX does these companies think that the american consumer is for sale? 

I dont care how you got the info. The fact that you posses it in the first place is a violation of law. We wouldnt want the XXXX to hear abt this ... would we? 

Once a charge is disputed ( and i always demand it in writing ) the corporation must then NOT call the consumer.multiple times they persist and call anyways. The FCC has ruled that this is illegal and fineable at XXXX per occurance.
Product: Credit card or prepaid card

XX/XX/23 I received a call from Chase credit card that a business card was placed in my name and cancelled the account. 
XX/XX/23 I received the business credit card in the mail to my home address. Contacted Chase about my personal credit card to confirm no activity and cancelled to get a new card. 
XX/XX/23 will be placing a fraud alert with reporting agencies, file police report and completing information through Chase to obtain information on how this application was submitted. 
I have a personal credit card with Chase bank that contains my email yet they allowed this person to apply and use another email and never notified me of the change of email or addition to my account and used the new email address given. They could have caught the fraud at application.
Product: Debt collection

They have called me every single day including some weekends. Every day multiple different numbers, I block them and they still use other numbers. I've spoken to them about my situation and they told me " we will keep calling everyday until you pay ''. 
They have called me around XXXX even called me around XXXX at night. Every single day I get more than one phone call. I also get mail every week. They only just picked up this debt a couple of months ago. The dead is nearly 2 years old. I've spoken to multiple representatives about my situation and that it's just not something I can do at this time or I would have already. From what I know the companies name is Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Dept of EDXXXXAIDVANTAGE XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 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 r
edress for these violations.
Product: Debt collection

Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.
Product: Credit reporting or other personal consumer reports

The student loan on my credit report were paid off and Balance at XXXX. Edfinancial is reporting as if I have a balance with them even after the servicer was changed to XXXX by the department of education.

I attempted to dispute with bureaus and it came back as updated.

I contacted Edfinancial over 65 days ago to have this properly updated and they have failed to do so even after confirming I have no current loans with them.
Product: Checking or savings account

My checking account with USAA in XXXX XXXX Texas keeps getting hacked. Last summer in 2020 I saw I had XXXX XXXX dollars of assets in mutual funds and dividends and royalties. Whenever I try to call and get my money they say I don't have any or my account is closed. I feel my identity was stolen and I'm being erased. Please help me because the Bank won't help me. I believe these people can help XXXX XXXX who put a criminal trespassing report on me in XXXX Texas when I broke my foot in her yard with my friend and I denied the ambulance and XXXX XXXX who put a criminal trespassing report on me as well when she harassed me at XXXX on XXXX in XXXX Texas and the police would not even check out the surveillance saying it didn't work. I feel like the City of XXXX has violated my civil rights and I'm treated worse that anyone can imagine. Please help me in XXXX Name Amen.
Product: Credit card or prepaid card

My Discover Card payment for {$35.00} was not applied to my XX/XX/2020 - XX/XX/2020 statement after enrolling in a Payment Assistant Program due to Hardship and COVID 19, in which I am affected by. My payment was postdated, and mailed off on XX/XX/2020 at XXXX XXXX  USPS Post Office in XXXX XXXX. The program lowers the interest rate, and allows me to keep the credit card open for the year the program is in affect. The held back payment of {$35.00} that Discover Card refuse to apply cause the balance to go up to {$950.00}, when it should be {$900.00} with late fee deductions, returned check fees, and a miscellaneous fee of {$11.00} for no reason placed under payments and credits. The program began for me XX/XX/2020, and they received my XX/XX/2020 payment on time from the same post office. I let them know I will make my payments by mail, or money services. Discover Card Services violated the Federal Equal Opportunity Act Notice discriminating against me.
Product: Bank account or service

I want to know why my bank does not immediately credit back to my debit card? If I pay a service with my debit card and then cancel it, it can take 4 to 5 days for that credit to show on my account? Who uses that money for those days? I am charged immediately so why not be credited the same way? The bank says it is the fault of whatever company I was dealing with, not the bank. Having been a XXXX myself, I know that transactions are settled on a daily basis with most companies so I do n't think this could be correct. Ca n't seem to get a straight answer out of Wells Fargo bank either.
Product: Debt collection

I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$8900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a late payment on a previous mortgage. I have been denied another mortgage because of this incorrect information. 

I submitted a dispute by certified mail. USPS says they delivered it on XXXX XX/XX/2023. When I called Equifax to check the status of my dispute, I was told they did not receive any letter from me. 

I have attached the letter I sent, which includes my name, date of birth, and last four digits of my social security number.
Product: Debt collection

Cavalry Portfolio Services LLC refuse to provide demanded verifications of the claimed alleged debt by providing copies of signed contract or credit application in direct violation of federal laws, continues and nonstop harassment, unlawfully without verification reported collection account on all tree credit bureau. 

Reference No : XXXX Reference No : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the accounts with ( XXXX XXXX ). The inconsistencies in these accounts are the account numbers, balances owed, the dates the loans were opened, last reported dates & date of last payments. These accounts appear to be furnished by the same creditor so why are all the provided datas different? It is the credit bureaus duty to ensure that all provided information reported are consistent and most importantly accurate. Please DELETE all 13 accounts with XXXX XXXX, please refer to 15 U.S.C. Sec. 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ), .I have attached pages where I have highlighted all the inconsistencies, please have XXXX XXXX completely DELETED & NOT updated. Additionally the 13 accounts with XXXX XXXX do not appear on XXXX which is also inconsistent. Thank you for taking your time for this matter at hand. I really appreciate and thanks all the team members of Experian for taking this matter into serious consideration. Thank you & have a Blessed Day.
Product: Mortgage

I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXXwas never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I need your help with my coinbase account. Coinbase froze my account and refused to unfreeze it. I filed a complaint with their office over a month and half ago however, today they sent me an email advising me that the case has been closed. After I checked my account I found out that the freeze is still there and Im still not able to use my account. At this point, I dont really care to have this account. All I want is my money that I invested back. I invested over {$1000.00} on this account and I want that back. 
Please help me
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL is trying to collect XXXX for XXXX. XXXX filed a fraudulent amount, XXXX took 2 XXXX XXXX XXXX and were supposed to pay each off in the amount of XXXX each for a total of XXXX leaving me a balance of XXXX which is what I am willing to pay
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I called Chase multiple times regarding a charge on my account from a merchant that I should have been protected from - that's a separate complaint. During two separate phone calls, I communicated clearly that I wanted to close my Chase Sapphire card as a result of their inability to fix the situation mentioned above. They did not close the account and charged me the annual membership fee of {$550.00} on XX/XX/XXXX ( of which they deducted {$100.00} ). I did not notice this charge because I set up automatic payments for the card and have not used it since my conversation about closing the account on XX/XX/XXXX and XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I wanted to use my IRS stimulus check to pay off a portion of my card, but was not able to log in to the online portal to do so. I didn't have my credit card number ( because I had understood that the account was closed ) and thus couldn't reset my password. I was told during this call that my account was not closed, and that I had been charged the membership fee this year, and that I could not get that fee refunded even though their failure to close my account was not on me. 

I was told that the call was being recorded for quality assurance purposes, and at this point I said I was also recording the call. When I said this, the supervisor on the phone said I did not have permission to do so and I told him that I would then delete the recording ( and did ). However, all calls I have made to Chase have been recorded for quality assurance purposes ( although based on previous issues with the card, they seem to be unable to locate those recordings quite often ), so I believe that it should be possible to obtain recordings of these phone calls on XX/XX/XXXX and XX/XX/XXXX in which I clearly stated that I wanted to close my account and cancel my card. You can verify that I have not attempted to use the card for any purchases since prior to XX/XX/XXXX, which I hope will corroborate my story in case Chase is unable to locate the records of these phone calls. 

As of today ( XXXX ), Chase confirmed XXXX finally ) that all accounts I have with them are closed, but as stated, they refused to refund me the membership fee. Attached is a document from XX/XX/XXXX proving that we spoke on that day ( thus recordings should be available ), my XX/XX/XXXX statement with the aforementioned {$550.00} fee ( readjusted to {$450.00} ), and a summary of account activity since XX/XX/XXXX. 

I am reaching out to the CFPB in the hopes of getting that membership fee refunded. I feel very completely taken advantage of by Chase Sapphire ( and not for the first time ). I have strong credit, make my payments on time every month, and have generally been a good customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

Repeated attempts to cancel an XXXX XXXX account were ignored. They continued to bill even though they were notified that the account was not wanted and that their equipment was not operational at all for months and perhaps years prior. I completed XXXX 's request to receive the account holder 's death certificate in order to complete the cancellation of the account as well as receive the refund they stated they would send for amounts paid since the death of the account holder. But XXXX still sent the account to collections. So this complaint is to XXXX XXXX XXXX as well as the collection company that accepted the account for collection as the so-called debt does not exist and in fact an amount is owed to the account holder 's estate. XXXX needs to allow accounts to be cancelled when it is requested to be cancelled and not continue to bill for services it is not providing. The CFPB must step in in this instance to cease this behavior as I 'm sure this is not the only instance of them continuing to bill for services that are not being provided and continuing to bill after they have received a request ( in this instance many requests ) to cancel the service. Otherwise, consumers will continue to be harassed with being billed for services not received and not wanted which of course is absurd.