23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I contacted my lender and set up a payment arrangement. This was at the start of covid. My arrangement wasn't hornered., I was charger extra frees and eventually lost my vehicle. I have mumeriious conversation and and recording. I even spoke with legal aid. Nothing they offered was kept up on my lenders end. My car was taken and I wasn't notified. There was so many tools, cloth, money, etc inside my property. The car was resold and I was even sent a bill afterwards...
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 also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my name only go by XXXX on driver lic and applications
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each of the three credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my Experian report but is reporting 120 days late for XXXX and XXXX for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my Experian report but is reporting 120 days late for XXXX and XXXX for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding serious inaccuracies present in my EXPERIAN credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. 

Background : I discovered discrepancies in my EXPERIAN credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. 

Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. 

Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. 

Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. 

Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. 

Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge Experian to take corrective measures to prevent such violations in the future. 

Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. 

I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Credit reporting

I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.
Product: Checking or savings account

Since the end of 2019, no one has been available by telephone to service my JP Morgan checking account. I just confirmed again that this remains the case. 

I am suppose to be able to request and obtain free, one-time electronic transfers as part of the servicing on this account. When I tried to exercise this feature of the account last XXXX, after calling one or more customer service numbers, I was transferred to someone in the XXXX who told me she had no way to access information about this account and that her supervisor had no way to access the account either. As of today, I can not reach anyone by telephone who can access this account or provide this service that is suppose to be available on JP Morgan checking accounts. 

Today I was locked out of Chase online. I can not check any of three accounts that I have with JP Morgan Chase. In addition, a telephone number that has nothing to do with this account is listed on it : XXXX. The information that came up online to reset my password indicated that I could enter my Amazon/Chase Prime credit card to get a code to reset my online password. This did not occur. The first time I tried, I was disconnected. The second time I called, I was told that I would need to wait online for 50 minutes. Recordings indicate that I can access my accounts online which is false. 

Although the current covid-19 pandemic has worsened service from JP Morgan Chase, there were insurmountable problems previously that have been long standing for several years. They have never been resolved. 

Presently, I have no access to any of 3 of my accounts with JP Morgan Chase. I can not check or make bill payments through this online feature of my checking account. And even when I reach employees of this company, they also claim they have no access to any, or one or more of the accounts. 

Please force JP Morgan Chase to provide me immediate access to my accounts with it and to provide full service to the checking account, in accordance with what is typically available to JP Morgan checking accounts. In particular, it needs to provide free, EFT transfers when requested. 

I have written about various related problems with JP Morgan Chase for years, yet my accounts remain completely inaccessible to me or to JP Morgan Chase employees which the bank widely advertises as being available to provide support and services that are not provided when they are sought. 

The CFPB needs to employ effective means to force this bank to comply with its own advertised services. Relying on unmonitored software to get it to comply with the law is insufficient to provide banking services to consumers. I have complained about this to the CFPB numerous times without relief. Since nothing was done before the pandemic, it now appears that it will be more difficult to obtain reliable banking services that JP Morgan Chase widely advertises for its accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting inaccurate and unvalidated information on my reports
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these late payments Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit card or prepaid card

XXXX XXXX which is the bank behind XXXX XXXX Credit Card as well as Paypal. 
My understanding is that any interest rate above 24.00 % is considered " userous ''  and therefore illegal. During this past month and within the previous 2 months out of a payment of {$79.00} they took {$50.00} in interest Before that I had a oayment that was higher and they took like {$79.00} in interest just after I had verified that I had money to the good on my account. I ended up in a conference call with XXXX, XXXX XXXX and myself to prove to them that I had NOT selected any promotion on the card. In fact there was n't even a selection for it on XXXX 's website. When I asked about the interest rate on the card the first time they told me 25.00 percent ... this month it was 26.99 percent. 
They do n't get to turn a credit card into a legalized " slush fund '' which appears what is happening here. Please look into this as well as forward this information on to the SEC, Better Business Bureau and IRS. I believe they are using illegal banking practices here or Mob type tactics and need to be not only investigated but held accountable as well. I believe what is going on here is that they automatically put everyone who makes a purchase on a 6 month financing or other promotion even though they do not select it as I NEVER had or have. When they said I had they outright blatently lied about it. That is how we ended up on a conference call to prove it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I personally selected an individual credit card, I received one. I used it, I paid it off and hadn't used it after paying it off. My wife and I asked for a second card, only in my wife 's name. We received one. We paid it off, and never used the cards again. Still they sent us new cards, and we cut them up ... and paid the final statement amount {$19.00} We began receiving fees, I would guess just to possess the cards. We feel, and I believe if they can show me where we attempted, or made a purchase somewhere between the time we asked that they close the accounts, and receipt of our letter. we could see, agree, and pay. paid the fees and asked the merchant to close both accounts. To date the merchant had not. 

At least two months ago they began sending collection notices, which I responded to each in kind basically stating the same, sent us a statement showing the new purchase, and or a balance remaining after our " final payment ''. In XXXX XXXX  We feel, that they are currently just compounding the interest and fees, but there were no purchase since we asked to close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a car from XXXX XXXX XXXX back in XX/XX/2014. When my wife started her XXXX treatment, we realized we were in need of filing bankruptcy. Before filing, we took the car back to the dealership and let them know we were unable to keep it. The charge off on our credit is {$6700.00}
Product: Mortgage

I hired an attorney to help with a modification. Me nor the attorney got a yes or no. They just foreclosed. They dual tracked. I left the attorney. And then tried to go back. He told me to stop calling he can not help or speak to me. I asked him why, and with him being so jittery i asked him if XXXX XXXX wells fargos attorneys, paid him not to represent me he said yes. What didbi expect him to do i would not listen to him. I need help with this.
Product: Prepaid card

I have a number of Vanilla brand Visa Gift Cards that were puchased in XXXX of XXXX and XXXX of XXXX. The ones I've tried to spend at retail stores have all failed. When I check the balances on the cards, it shows their full balance is available, but no matter what store I try to use the cards at, it fails to authorize the purchase. This even happens when trying to spend much less than the balance on the card ( e.g. a XXXX purchase on a XXXX balance card ). I've tried this with multiple cards over multiple days and keep getting the same result where the transaction is declined. Their website says to try using the card at a different merchant, but when I do that it still gets declined ( both in-store and online ). 

It appears this is widespread, as I'm reading about other people having the same problems. Is Vanilla doing this intentionally? The pack the card came in says " Card may be used in the US and District of Columbia everywhere Visa debit cards are accepted, '' but clearly they're not honoring that. They have effectively stolen the funds on all of these cards from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in high school I XXXX XXXX of 2022 i never had an apartment i am still livining with my mom!