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

I applied for a new chase credit card in XX/XX/2022 and my application was approved on XX/XX/2022. It was understood that if I spent XXXX with this new card within 3 months I would receive XXXX XXXX bonus miles. My first statement month started on XX/XX/2022 as I stated and as it is shown on my first account statement. My first account statement was closed on XX/XX/2022 which was only 26 days, not 28 days like there is in the month of XX/XX/2022. Going forward my account statements will close on the XXXX of every month, so month XXXX will close on XX/XX/2022 and month XXXX will close on XX/XX/2022. And according to the terms and condition of my offer I'm given 3 months to complete my minimum spend and the current closing date of my account statement closes my 3 month window 2-days early on XX/XX/2022 whereas it should be XX/XX/2022. I've called Chase multiple times and no one could give me the answer why Chase is doing this, I clearly stated that I signed up knowing I had XXXX full months to hit my minimum spend, but Chase is closing my statements 2 days early which is not what was advertised nor were there anything noted in the Offer Details stating otherwise. The Offer Details state I have 3 months, not 2 days shorter than 3 months.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX XXXX And Equifax ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, XXXX XXXX has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additional obligations on furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, XXXX XXXX has failed to fulfill their obligations under this section of the FCRA. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX  XXXX 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on XXXX  XXXX for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Product: Payday loan, title loan, or personal loan

I signed up for MoneyLion for a loan, which requires a monthly membership fee of {$9.00} for access to this and other features. They release XXXX for the loan and hold XXXX until you pay off the loan. The loan repayment terms is about {$45.00} every paycheck. 
They also have an XXXX  feature to get quick cash when you need it with no fees ( supposedly XXXX. 
I took out one quick cash advance of {$50.00}. I was debited {$59.00} for repayment. 
This morning, I woke up and see I was charged an additional {$330.00} two times for XXXX XXXX. 
So, in total, I took out {$50.00} in XXXX and was debited, {$720.00} for XXXX XXXX. 
I am not sure where these charges are from as I only took out {$50.00} once, and the terms of my loan didn't include two payments of {$330.00} on top of each other. 
I would like my money back and my account canceled. I did not authorize this. No one informed me of this and it is grossly unfair and abusive being a company that supposedly helps you build credit.
Product: Mortgage

LOAN : XXXX High Urgency Notice of Error As Nationstar has been delinquent on paying my AZ property taxes for AZ Parcel # XXXX XXXX for last 18 month, fees and penalties have been applied and a TAX LEIN will be placed on my property and may put my property up for auction. ( address removed ) As I have called in and requesting information repeatedly ( over 6 times ) for updates since XX/XX/XXXX with no action or contact until I call in again or send information again. Additional AZ penalties and fees occurred XX/XX/XXXX because of inaction. NationStar has given me no assurances they will pay any outstanding taxes in the future. 

I am requesting all correspondence, information, notes, customer and escrow services members information, call recordings, any correspondence with XXXX be sent to this email address. It does not need to be provided at one time, but over the next 72 hours attn : Nationstar Loan # XXXX This has been an ongoing issue an 1 ) Nationstar needs to pay the taxes THIS WEEK and 2 ) do not ATTEMPT to charge/bill me any accrued late payment penalties or interest charged because of your delinquent payment. I am passing this information on to the federal Consumer Financial Protection Bureau. 

This is a breakdown of a process at Nationstar and effects my home and the children who live in it. This is not a joke.
Product: Debt collection

I was looking at my credit report last week on the XXXX of XXXX. I notice that I see a LVNV funding LLC collection in the amount of {$1200.00}. I tried reaching out to them on the phone number that I found in XXXX but no one has answered. I have not been sent a letter to even validate the debt.
Product: Credit card

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get XXXX XXXX. The first two times I tried to get the service, the process was cancelled due to XXXX 's internal security process being flawed. They advised me to try again. On the third time, they changed the process without warning and did a credit inquiry I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with XXXX balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.
Product: Mortgage

They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level  manager  and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I opened a new account on XXXXXXXX XXXX ( XXXX ) using my e-mail address of XXXX. On the same day, XX/XX/year>, XXXX offered me a free 30-day trial period of its XXXX XXXX membership, which I accepted using my PayPal account as the designed payment method. However, as soon as I accepted the free trial, XXXX immediately charged me {$69.00} for the membership, despite of its written confirmation of my eligibility of a free trial period. By taking this unauthorized payment from my PayPal account, XXXX has committed an illegal and fraudulent act against my PayPal account. I immediately raised this issue with PayPal and filed a dispute under the case number # XXXX XXXX I also provided all relevant evidence to support my case. Unfortunately, PayPal has denied my case. I am requesting PayPal to reverse its decision and return this unauthorized and fraudulent payment to my account.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX XXXX below in attachments
Product: Credit card

I called Citibanks credit card departments phone number : ( XXXX ) XXXX at XXXXXXXX XXXX XXXX. I then heard a foreign female voice say to call back in 3-4 hours and then quickly disconnected the call. I tried to get a word in but she talked over me and discontented forthwith. This is egregious. Im shocked and amazed at how terrible Citibanks customer service is.
Product: Credit card or prepaid card

I have a Bluebird by American Express debit account. It has been open and in good standing since XXXX. My wife and I use this account as our primary banking for our family and her paycheck is direct deposited every 2 weeks. Yesterday ( XX/XX/XXXX ) her check of {$1200.00} was deposited. After several transactions for the day, the account was last known to have a balance of between {$900.00} and {$1000.00} ( estimated after a XXXX purchase made online ). As of XXXX this morning ( XX/XX/XXXX ) the app would not allow me to log in and the website server was down. I attempted to get gas and use the atm with my Bluebird debit card, and was declined at the register and atm. I have attempted to call every few hours to customer service and only received an answer twice. Both times I was told to call back in 1-2 hours. The website did load around 9am, however states that the website is not functioning properly and accounts can not be accessed online, but cards are still able to be used. This is not true. Any transactions I have attempted have been declined. All communication via XXXX from American Express is met with an auto response that they are aware there is an issue, and they are working to fix it. They also state your funds are safe. It was been 7 hours from the time this problem began, with no statements made by American Express, no attempts to console their very scared and distraught customers and no ETA for when the problem may be resolved. I am terrified our hard earned money will not be in our account when/if they ever resolve this issue. I have a family to take care of and provide for, we need food and gas desperately. XXXX being 5 days away does not help this horrible situation.
Product: Debt collection

I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by Harris Law Group at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX XXXX the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of late payments on my credit file for the following accounts : XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) These late payment notations are inaccurate and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and relevant regulations. I am requesting an immediate investigation and the removal of these incorrect entries to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681a ( 2 ) ( xi ) : Credit reporting agencies and furnishers must ensure that all information included in a consumers credit file is accurate and verifiable. Reporting unverifiable or inaccurate late payments breaches this standard.

15 U.S. Code 1681s-2 : Furnishers of information are legally required to report accurate data and promptly correct errors when notified.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666 ( b ) : Billing errors, including misreported late payments, must be thoroughly investigated and resolved by creditors. Failure to comply with this requirement constitutes a direct violation of federal law.

3. Regulations Implementing TILA : 12 CFR 1026.13 : This regulation outlines the obligations of creditors to investigate and resolve billing disputes, including errors in reporting late payments. Noncompliance with this regulation is subject to penalties.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to seek remedies under the following provisions : Statutory damages of up to {$1000.00} per violation under FCRA ( 15 U.S. Code 1681n and 1681o ).

Actual damages resulting from the inaccuracies, including higher interest rates, credit denials, and emotional distress.

Punitive damages for willful noncompliance.

Recovery of legal fees and associated costs related to pursuing this matter.

Action Requested I am requesting that : 1. A comprehensive investigation be conducted for the accounts listed above in compliance with FCRA and TILA.

2. All inaccurate late payment entries be promptly removed from my credit report.

3. A written confirmation of the resolution be sent to me within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps I trust that your team will handle this matter with the seriousness it deserves and resolve it promptly. If this issue is not corrected, I will be compelled to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. Additionally, I will consult legal counsel to pursue remedies under the law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

"ON XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY 3RD PARTY OR ELECTRONIC VERIFICATION."
Product: Credit card or prepaid card

Someone applied for a credit card with Shell/CBNA in my name. I have tried to contact the company and no department will help me. I did not apply for any card with them.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. Theses actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry appeared on my credit report this morning, and I dont know how or why its there. I routinely check my report, but today there were unexplained discrepancies. I tried refreshing the page, thinking it might be a glitch, but nothing changed. I am incredibly frustrated and demand that the documents Ive provided be reviewed properly so I can feel secure about my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX  account # XXXX *XXXX XXXX XXXX  account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX XXXX, AND EXPERIAN have violate

d my rights as a consumer and disregard to the laws set forth in FCRA. 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.

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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I purchased my home for the amount of XXXX on XX/XX/XXXX. My mortgage has been transferred to over 10 different companies and my last balance statement after 18 years is a balance of XXXX. This means after paying my mortgage for 18 years I have only paid XXXX in principal!! I have only had one modification while on SSI in XX/XX/XXXX. I have tried speaking with the representatives at Selene Finance today and they can not give me any information as to why this is so low. I have also requested financial statements regarding the " corporate advance balance of XXXX on XX/XX/XXXX and as of XX/XX/XXXX, they are unable to explain where these fees have originated from. I feel like living in a home for almost 20 years and having paid the mortgage every month and having only paid less than a 1000.00 in principal is criminal. The following companies have had my loan that I can remember : XXXX XXXX and XXXX XXXX XXXX XXXX Selene Finance
Product: Student loan

After making several requests Firstmark has refused to provide documentation regarding my Student loan.
Product: Mortgage

I was notified by CMG Financial on XX/XX/XXXX, regarding an escrow shortage of {$1600.00} due to a property tax increase from XXXX to XXXX. The shortage created an increase in my monthly payment from {$1500.00} to {$1900.00}. 
I replied via US Mail and CMG messaging center on XX/XX/XXXX, pointing out an obvious error in the projection due to CMG Financial using the incorrect real state tax amounts for the XXXX escrow projection. 
I sent a message follow-up on XX/XX/XXXX, asking about the status of the review of the escrow analysis. No response was received. 
On XX/XX/XXXX, I received another escrow analysis regarding a new escrow shortage of {$180.00}. 
On XX/XX/XXXX, I paid over the phone the shortage of {$180.00}. 
However, my XX/XX/XXXX payment in the amount of {$1900.00} has not changed, and according to customer service reps on XX/XX/XXXX, that payment will not change even if the escrow analysis was corrected.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. 
experian needs to remove right away instead of disputing this account. 
thank you for your cooperation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : XXXX, XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1601.