23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card

I have informed Bank of America that the merchant in question XXXX XXXX cheated me and did not intend to provide any services. I filed a dispute with the merchant. The bank initially refunded me the money but then reversed the course by charging me the amount XXXX usd. The merchant claimed they still had not received it while the bank claimed they had forwarded to the merchant. I have already settled the dispute with the merchant in an alternative venue so it is now time for Bank of America to credit me back that XXXX usd.
Product: Checking or savings account

SOFI bank restricted my checking account for unknown reasons. I answered all their questions and even confirmed my identity yet they still refuse to give me my money. Its XXXX and I had that {$300.00} saved for XXXX presents that my kids wont get now because they wont even send me a check or transfer the funds to my other bank account and close the account. Ive had all I can take. Theres no reason I shouldnt be able to access MY money. Yet they wan na close my account with no payment to me and I have a {$300.00} balance. Now my address has changed since I opened this account. I was at XXXX XXXX XXXX XXXX XXXX wv XXXX but recently moved to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX. However I cant update the account because its restricted. Again I have verified my identity since all this happened days ago but they wont unlock the account.
Product: Credit card or prepaid card

Dear CFPB, Discover Card : XXXX Please allow this letter as a complaint and an appeal for the check returned fees and the interest charge on my Discover account for the billing of XX/XX/2022. On XX/XX/2022, I made a purchase on XXXX XXXX with my Discover Card with the amount of {$3900.00}. Before making the purchase, my Discover balance is {$0.00}, therefore, with the purchase coming in, it makes my balance to be {$3900.00}. I then returned the whole purchase on XX/XX/2022 and then XXXX XXXX confirmed refund and released the credit back to Discover on XX/XX/XXXX. Because of Discover delay in processing the credit back to my account, only a partial of the credit posted back to my account before XX/XX/2022 which is the due date for the Billing Cycle. That makes the balance left over to be {$1700.00}. They then processed the auto pay for the that amount to my checking account, however, that payment was returned because I did not expect that payment therefore I did not put enough money in my checking account. They then charged me Returned Payment fee of {$30.00} and interest of {$23.00}. Until XX/XX/XXXX, all the refund from XXXX XXXX are posted back in my account. That makes my account balance to be {$53.00} because of the interest and return payment fee. I contacted them many time on XX/XX/2022 and XX/XX/2022. Non of their manager know what to do and understand the story. I asked them to waive the fees and interest because all other banks do that when they delay the process of clearing for the refund credit. Once the refund credit posted, those fees should be reversed. As those are related to the purchase charge originally. They refused to help me.
Product: Credit reporting 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit card or prepaid card

Cash app took all of my money off my card without my knowledge they are double charging for places I have not been or used
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several requests with Experian in regards to an account with XXXX XXXX XXXX XXXX. 

I sent debt verification letters to XXXX XXXX XXXX XXXX, but never received written paperwork showing proof that I had done business with this company. 

Experian made the decision to keep the unverified information on my credit report. Due to the agent at XXXX XXXX XXXX XXXX being an Experian board member. This is not only unethical, but a direct violation of my right to verify debt and my right to have fair credit reports. If the written request isnt fulfilled its supposed to be removed per the Fair Credit Reporting Act. 

I have been fighting for my rights with Experian since XXXX when the account showed up on my credit report randomly. The account was removed from XXXX and XXXX in XXXX. As you can see from the photos below I have no collection for XXXX nor XXXX 

This issue with Experian has prolonged the purchase of my first home and its cause financial harm due to the negative payments reflecting on my credit report.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Provide the Purchase Agreement
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 15USC 1681. 

XXXX : XXXX, XXXX : XXXX, 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 Any other adverse item of information, other than records of my 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: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems LLC, for committing identity theft. I have never given Jefferson Capital Systems LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital Systems LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant by UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX ....
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}? 
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years. 

Payment made to them was {$700.00} on XX/XX/XXXX. 

Title to vehicle is to be released within 7 to 10 days
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft these accounts were opened without my knowledge. I tried calling the companies sending out disputes and they are not doing a proper investigation not even verifying if the account is mines.
Product: Payday loan, title loan, personal loan, or advance loan

I am struggling to make payments and no matter what, my balance never seems to go down, even after all the payments I have made. It stays same. I am drowning in the payments and they continue to bother me about the any payment that I took off of XXXX. I financially can not handle the burden of this loan.
Product: Payday loan, title loan, or personal loan

Harassing phone cal ls from Delta Outsource Group b y  XXXX   XXXX  who claims they are representing   XXXX   XXXX   XXXX   XXXX  .
Product: Debt collection

an amount of {$220.00} was reported to a collection agency and then placed on my credit report. this amount was in dispute amd spoke to the collection agency that it was in dispute because the account was transferred to a different cellular phone company in XX/XX/2020 and they are charging me a bill for the month ofXX/XX/2020. it doesnt make sense. i want this removed from my credit report because i do not owe this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that XXXX, Experian, and XXXX  did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are killing my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are  violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation Number : XXXX I am tired of getting the same response : Information doesn't match our records, YET, the only information that I put into the online systems is from the report they send that's evidenced by the confirmation number ( Equifax Confirmation Number : XXXX ) Please fix this ERROR, if you want me to submit a dispute online, fix it to where I can get access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Product: Credit reporting or other personal consumer reports

Please delete these hard inquiries as I did not authorized them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap!

Account Name : SYXXXX # XXXX -Opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a description all right so in accordance with the fair credit reporting act everything has to be XXXX on my credit report. The credit borders the credit bureaus stated my account wasn't properly investigated. But how is that possible if the date open if the open day isn't accurat the date last active is inaccurate and a date last reported is inaccurate and a date last reported is inaccurate that's is grounds for removal and they rather they also that's ground removal and they also violated my rights under 15usc 1681section 608 602 a states I have the right to privacy 15usc 1681section 604 state that also states that consumer reporting agencies can not furnish your account without my rent permission. So I did not give written permission. So I did not give written permission to these accounts to be furnished on my credit report. So delete these accounts do to violations with all three credit bureau. XXXX, transunion, XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

Dear Agent, I have been a credit card customer with Chase for many years. I went on vacation to the XXXX on XX/XX/2022 and used my Chase card less 5 times for lodging during my trip. 

When I returned home on XX/XX/2022 there were 7 letters waiting for me. The letters told me Chase was closing my accounts ; Including my credit cards, my checking, my savings, my XXXX Savings Account etc On XX/XX/XXXX JPMorgan/Chase notified me they were going to liquidate my investments and I should transfer my account by XX/XX/XXXX. 

After reading the letters I went into the XXXX XXXX, California branch to lodge a complaint. The acting manager told me there is nothing that could be done as this was a management decision. He had no further information or was unwilling to disclose any reason for the action the bank was taking. The letters indicate
Product: Payday loan, title loan, or personal loan

I have been attempting to resolve the situation listed below since XX/XX/2019. I have worked with legal representation for National Management Recovery Corporation ( NMRC ) through a company  called XXXX XXXX and was promised resolution but the issue is still open. 

History and details of issue : On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX, California Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court filing paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, and denied they committed fraud by impersonating a police officer and an attorney. All the while I told them I was trying to determine the legal nature of their collection practices. 

I have been since contacted by an XXXX XXXX, legal counsel that represents XXXX XXXX which represents NMRC. Mr. XXXX informed me that NMRC was utilizing illegal debt collection practices and that my account should not have been in a status to be collected. Mr. XXXX and I agreed I would dispute the fraudulently collected charge of {$5700.00} to ensure the charge was removed from my credit card. However, I have now been unable to contact representation at XXXX XXXX to successfully resolve the issue.

This situation is nearly three months old and I will continue to escalate to all available agencies to put a stop to the illegal collection practices.