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

I applied for a CHASE Visa Signature business card on XX/XX/2022 and was denied. Reference number : XXXX I believe i was discriminated against in my application. CHASE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. I have contacted CHASE by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. CHASE is in violation of 15 U.S.C 1642, 15 U.S.C 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CHASE. I am aware of CHASE and their procedures and policies, but they do not trump Federal Laws. If CHASE fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CHASE criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o. ( {$1000.00} per violation )
Product: Credit card or prepaid card

Bilt Mastercard ( run by Wells Fargo ) was negligent in their duties to offer functional payment of my credit card debt. 

1 ) Their Bilt Mastercard website redirects all autopayment requests to a cell phone app 2 ) But that cell phone app is faulty and doesn't allow me to login even though I'm using the same username and password as the Bilt Mastercard website So I was left with a broken system for setting up the autopayments and I struggled for weeks with trying to login to the Bilt cell phone app to get payments setup. 

This broken payment system went on until a late fee showed up. After that late fee showed up, I complained to Bilt Mastercard about their broken autopayment system, I paid necessary debt immediately, and they waived the late fee. But they left the late fee on my history. So now I'm left with harm to my credit history by having this late fee on my Bilt Mastercard history. 

So I request the CFPB help me request Bilt Mastercard to remove the late fee from their history, so that the credit agencies do not see any late fee history. 

Bilt Mastercard recommended that I setup a dispute to get my request accomplished. They agreed that I execute a CFPB complaint and that I send a dispute as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number : XXXX Card Number Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/1978 Fax to XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Debt collection

Mitchell D. Bluhm and Associates sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: 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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : 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 redres ( 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 redress for these violations.
Product: Credit card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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

I would like to know if information in my file has been used against me anyone who uses a credit report or another type of consumer report to deny my application for credit insurance or employment or take another adverse action against me must tell me and must give me the name address and phone number of the agency that provided the information I have the right to know what is in my file. Also all my court records are laid out in the open where anybody can see them as well as all my records all my criminal records my financial information as well as my medical information there's also open accounts as in like home loans car loans and etc and the information is still outgoing and they're still accounts opened it's very hard for me to
Product: Credit reporting or other personal consumer reports

The following collections : XXXX XXXX XXXX {$4400.00}, XXXX  XXXX XXXX XXXXXXXX {$1100.00} and XXXX XXXX XXXX XXXX : {$2500.00} have Violated my Rights. 

Violation privacy and confidentiality under 15 USC 1681 has 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 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 or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 XXXX 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX  XXXX {$2100.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$760.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX {$540.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After overpaying my balance due to XXXX 's inability to keep accurate accounting and records of what was due, the servicer has been unable to issue a refund for the past 8 months. I have spoken with numerous customer service representatives who are unable to help. They continue to defer and dodge questioning positioning blame on other agencies or companies. XXXX owes XXXX check amounts, XXXX in the amount of {$10000.00}. And another in the amount of {$3.00}. They also owe back interest and penalties for damages for with holding this amount and critical information.
Product: Checking or savings account

My issue is with the bank WellsFargo. There was an unauthorized transaction charged to my business checking account, but the investigation was not resolved in my favor, nor was any proof provided why the decision was made. I reached out to them several times with no response. During the claim investigation I was not contacted. Several weeks later I only received a letter stating it was closed and denied, because based on " evidence '' I had authorized it. I provided proof of where I was, history of transactions I was aware of, and there is also a history of the type of transactions that specific account is used for. 

There was a charge for around {$800.00} in early XXXX, in which my debit card was used. I always had my debit card on me and the pin was never provided to anyone. WellsFargo did not clarify how the transaction occurred and when there are large amounts charged to a card a security message is usually sent which was not. Especially considering per history on my account and card purchase usage, I do not make those large purchases. There were many red flags and per their decision the claim is denied without post explanations or proof and the investigation department never reached out to me requesting further information. 

I sent a letter in XXXX requesting for an appeal, per their time frames they respond within 3-7 business days and until today I have not received a responde from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681section 602 A. States i have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I purchased what was advertised as a high-end dash camera from what turned out to be a scam company, spending over {$100.00}, but received a low-quality product thats not even worth {$10.00}. Before returning the item, I contacted Capital One after reading reviews from others who faced similar issues, warning that months had passed without them receiving refunds. Capital One representatives assured me it was fine to return the item and asked me to email them certain details. After doing so, they then informed me they couldnt assist. Now, Im out the money and the camera, plus I had to pay for return shipping.
Product: Mortgage

The escrow unit of my mortgage servicing company, Ditech, is supposed to manage and submit payments for real property tax as well homeowner 's insurance. I received my Real Property Tax Bill for the XX/XX/XXXX year from DC and the bill indicates that the real property tax for the second half of XX/XX/XXXX was never paid. Therefore there is an outstanding balance plus a penalty as well as interest. I called DC to confirm that there was indeed an outstanding balance and they calculated the numbers with me over the phone and confirmed that there is indeed a balance. They also told me that because escrow missed this payment, I could request a waiver of the penalty and interest. I then called Ditech to ask them what happened with the missed payment and to get the payment taken care of. First, they told me i received a surplus return from my escrow which has nothing to do with the outstanding tax bill. Second, they told me that Ditech did indeed make the payments. However, I told them that was not true because DC calculated the numbers and I checked the payment history from the escrow, and that payment was in fact not paid. The person i talked to insisted it was paid and tried to hang up on me and said he confirmed this with the manager. Finally, he let me speak to the manager who then put me in touch with the tax department. The tax department claims they never received the bill and said they would take my word for it to make the payment. I told them to make sure they take into account and also request the waiver of penalty and interest so there is no over-payment. They obviously were trying to get rid of me and quickly hung up. I have no confirmation that they will contact DC to get the correct amount or follow through with payment since multiple people gave me different answers. I also have no confirmation that they will request the waiver of interest and penalty fees. Please get this resolved for me so i dont continue to lose money like i did last year when Ditech refused to request an enormous refund i was owed by DC for a massive overpayment. Thank you.
Product: Debt collection

INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c/ 1X2/ ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k . Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8X9 ) ( 10X11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692i ( a ) Furnishing deceptive forms to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.
Product: Credit card or prepaid card

Someone has opened a target credit card in my name using my social security number and charged XXXX $ on the credit card in my name.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with XXXX  ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE XXXX XXXX XXXX XXXX MS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAP ONE NA --  XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX CAPITAL ONE -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX F Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  NY XXXX XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX