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

After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help. 
I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it. 
I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a car at car central dealership and I had placed {$3100.00} as a down payment and west lake financial is the bank that gave me the loan but I never received any mail or paperwork with my loan account number nor a call, I called the bank but they said I had to wait till I received the mail but never did, I finally obtained the information I needed and was unable to make my first full monthly payment, I did a partial payment but scheduled the rest of it for the following week. 
Then the dealership called and said to bring the car back cause they somehow bought it back but the bank never called me to let me know, I had told the dealership i scheduled the rest of the payment but said it didnt matter cause they owned the car at the moment, I was never told or read any paperwork by the bank or dealership stating I had to make the first payment in full and on time. They still took my monthly payment out of my bank account and took the car back. The person we spoke to also said he was going to give us some of the money back and when we went he refused to.
Product: Credit reporting or other personal consumer reports

In XXXX of 2016 My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been sev-eral fraudulent account opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.
Product: Credit reporting or other personal consumer reports

I have not signed nor consent any other contract with my student loans besides XXXX  in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called EDfinancial has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Mortgage

This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX This company has reported that I have a loan with them that is currently 90 days past due. The loan was issued via a " Live Check '' that was signed and deposited into someones bank account. 

I have not signed any checks or have had the funds deposited into my account. I contacted the company on XX/XX/2023 to explain this. They verified that the social security number that was written on the back of the check as required, did not match mine. They said the only way I could get it removed from my report was to have the person who cashed the check and deposited into their account, come to their office with me and tell them they are the one that signed and cashed the check. 

I also disputed this with XXXX and they said the debt was valid when it is not. 

Thank you in advance.
Product: Credit card

I have complained about Barclays on numerous occasions to CFPB. Even though there is a conspicuos pattern of abuse CFPB has refused to do anything substantial to bring this abuse to an end. I guess this is because Genocide XXXX, who has spent a lifetime pandering to credit card companies set this bogus consumer protection bureau. On XX/XX/XXXX I purchased air tickets on the website XXXX. The Barclay credit card is affiliated with XXXX and I have been a member in good standing for over XXXX years. According to the rules if I purchase something on the website I get XXXX the normal points whhich I can redeem at a later time. I informed this dullards that they failed to assign the correct points. Instead of rectifying the problem These dullards said they would get back to me in a week to 10 days. Here we are over XXXX weeks later and no sign of rectifying THEIR mistake.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 
As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Vehicle loan or lease

I bought the car on the XXXX of XXXX. I had 7 days to bring them a check for buy out. On the XXXX, I brought a check from my credit union for the buy out. Prior to that I had bought another vehicle from them and dud the same process. Within 3 days Capital one adjust the loan as it was funded with my credit union. Unfortunately I returned that vehicle due to potential mechanical issues. So I bought the 2nd car and followed the same process. However this time around Capital one is telling me I have a loan with them for the same vehicle which has been paid for from my credit union. I've been calling the local dealership for about 2 plus weeks now, call the XXXX corporate XXXX and they all keeps telling me they not sure what happens but they are researching it. This is absolutely insane, so now I have 1 vehicle but 2 loans are being reported under my credit while XXXX apparently has being paid twice for 1 car. I'm tired of calling the dealership and XXXX XXXX. Pls help, this is frustrating. 


XXXX XXXX
Product: Debt collection

I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening this is a continued problem that PNC Bank and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud other platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX, these agencies have violated my rights. 

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. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXXand XXXX Equifax closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

XXXX Closed accounts :XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts andXX/XX/XXXX Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX  ( FINANCE ) = XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

I am writing to formally request my removal as an authorized user from the following XXXX XXXX credit card account : Primary Account Holders Name : XXXX XXXX I no longer wish to be associated with this account and request that my name be removed from all records related to it. Please confirm my removal in writing and update any relevant credit reporting agencies to reflect this change.

If you require any additional information to process this request, please contact me at XXXX or XXXX. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2019 I ordered two items with my Chase/Amazon XXXX credit card from Amazon. I received only 1 of the items and spoke to Amazon, then Chase, and requested full credit for the item I did not receive. Both refused to issue the credit. 

In addition to this fraud, of charging my credit card for something I never received, I also have been defrauded by paying for XXXX  membership associated with this card. Conditions of XXXX membership advertise that any item designated as a XXXX item is delivered within 2 days of placing the order or the item is sent without charge to the customer. This did not occur. The same delivery vendor ( XXXX  ) delivered the second item in the order but failed to deliver the main and more expensive item in the same order. It is a book by XXXX XXXX and cost {$31.00} plus tax. Since Amazon likes to hide what it charges people for tax ( another of its many frauds ), I can only estimate that it charged just under {$2.00} for the tax on this book. So I requested a credit of {$33.00} for the missing book and both Amazon and Chase refused to issue the credit. Amazon, in the typical theft it is allowed to engage in with its XXXX credit card and membership fees, wanted to offer me a {$5.00} coupon for something I never received while charging me between 6 to 7 times that amount for the phantom item. Chase told me to call again tomorrow to provide the same information. I will not do it. I gave it the information, explaining in detail why the book was not received with the rest of the same order. I should not have to repeat all of this information for yet a third time, just because Amazon and  Chase have some mutually beneficial arrangements to defraud the public.
Product: Student loan

I took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting these accounts as Charge-Off but creditor/credit report agencies was unable to issued Form 1099C. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES. Accounts must be Deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX showed account was verified by XXXXXXXX XXXX XXXX XXXX  and I disputed the accuracy with XXXX XXXX XXXX XXXX XXXX XXXX, and they do not provide bankruptcy information to TransUnion. XXXX and XXXX is not reporting bankruptcy on my credit file. 

XXXX XXXX XXXX XXXX results showed account was Deleted and still is on my credit report as XX/XX/year>. CFPB -See Claim XXXX where TransUnion stated account was DELETED. 

Self Lead Account TransUnion is reporting inaccurate and incomplete information because account showed as pay as agreed and late 30, 60, 30 as the same time. Terms XXXX per month. Delete this account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX/XXXX   XXXX : XXXX XXXX : XXXXTransunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
Product: Checking or savings account

On XX/XX/XXXX, the bank Chime processed a transaction at XXXX for XXXX and XXXX dollars. At that time I already had reported my card lost and the transaction should have never gone through. But the card company never ended up blocking my card causing the payments to go through.i called the bank multiple times to make disputes. I made two disputes. The first time I added information about me having masshealth and how I also did not have a card at that time. That wasn't enough so they canceled the dispute. I added my police report the second time and that was still not enough. XXXX I called asking for the report of when my card was reported lost. They said they couldn't give it but would have someone call me back. They never did so I called back on XX/XX/XXXX. They stated they could not give me access to when my card was reported lost so I can submit it for a new dispute. I would like my {$800.00} back. My card got lost at XXXX and someone at XXXX must have used my pin to get access of stuff that's {$800.00} in XXXX. I also have masshealth and wouldn't be paying for any medication as I am in XXXX custody. They should have the police report as I sent it to them through email. 
XXXX XXXX