23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a home mortgage through my lender, XXXX for a new home sale. 

On XX/XX/XXXX, I was called by XXXX XXXX, an IT Director of a company called XXXX XXXX XXXX XXXX, XXXX  ), telling me they had purchased my data through Transunion and my full name, birthday, social security number, credit score and address had been breached. One of their employees texted out a spreadsheet with this info and I was 1 of 34 people on it. I asked XXXX more questions- how XXXX is related to XXXX and who the excel was sent to and he could not confirm either. He insisted I needed to freeze my credit and sign up for identify protection. He also told me that he had emailed me and texted me, neither of which I ever received. It sounded like a scam, but a week later, I received a XXXXXXXX XXXX  package at my mailing address confirming this information and offering an identify protection program I had never heard of. I am now paying for an independent identity protection program myself. I am horrified that this stranger and their company does indeed have my home mailing address and knowledge of applying for a mortgage loan. 

The original person who contacted me identified themself as : XXXX XXXX with the following contact information. 
XXXX XXXX XXXX XXXX I have uploaded the letter I was XXXX XXXX. The person who signed the letter was named XXXX XXXX. XXXX 's voicemail is not setup, and I can not get through to her after two weeks of trying. XXXX still answers the phone, with no information, and although is the " Director of IT '' - he can not seem to get me through to XXXX. I told XXXX last week that I am going to contact the FTC and file a police report and he told me it " wasn't fair '' though he can provide no information or solutions. Something very off is happening at this company, or someone is impersonating this company. 

Since receiving the letter, I have not been able to get a hold of anyone at XXXX XXXX or any of their sub companies XXXX XXXX XXXX XXXX, XXXX  ) by contacting the numbers in the letter or the general company customer service numbers from XXXX. I have left numerous voicemails and XXXX reviews but no one will return my call. I think this company needs to be shut down for malpractice. This is absolutely unacceptable.
Product: Credit card

Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the XXXXXXXX XXXX XXXXXXXX  by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.
Product: Debt collection

On XX/XX/2020 i paid XXXX XXXX {$310.00} and they said they would remove from my credit within 30 days. Sequium Asset Solutions has the account. On XX/XX/2020 the account shows paid but is still on my credit report when they said they will delete for payment
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I reached out to all three credit bureaus, Experian, XXXX, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Product: Credit reporting or other personal consumer reports

I submitted dispute through Experian online portal on XX/XX/XXXX at XXXX CST regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated XX/XX/XXXX at XXXX CST, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of XXXX.
Product: Debt collection

I am a victim of fraud. I never did any business with this company.
Product: Credit card

On XX/XX/XXXX, I submitted the IRS form 4506-C to the request of America Express credit card provider in order for them to have permission to check and verify my tax and income history with the IRS and by that, to determine whether I should be approved for the AMEX Business Premium credit card ( which I've had thru American Express in the past ).

AMEX claims that couldn't verify my income due to IRS backlog.

When I asked to please wait some more time, they told me they would deny at this time and that I could re-apply for the card within a few months.

The issue is that this was my second attempt to apply for the card and this was their second excuse. 

The first complaint I sent them was last year, in XXXX. 

See all forms and statuses attached. 

Please assist. 

Thank you, XXXX XXXX
Product: Credit card

Capitol One Bank XXXX The creditor did obtain a fraudulent judgment by filing an illegal lawsuit against me. Further, the judgment is now expired yet the creditors collection agency is still trying to collect on the illegal judgment. The creditor filed a lawsuit supported by a fraudulent " affidavit of Debt '' which was " robo-signed '' by the creditor 's employee. No actual verification of the actual amount owed was undertaken by creditor. 
Further the judgment has now expired yet the creditor and their agent are still trying to fraudulently collect upon this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX
Product: Consumer Loan

Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling you.
Product: Student loan

I paid my loan, but the lender has n't acknowledged my payments.
Product: Credit card

In XX/XX/year>, my Chase credit card offered a no interest period on balance transfers. On XX/XX/year>, I mailed XXXX of their balance transfer checks to XXXX XXXX to payoff a {$630.00} balance. On XX/XX/XXXX, Chase posted the cleared check and charged my credit card {$630.00}. Around the same time, I received a letter from XXXX XXXX XXXX saying they received my check for {$630.00}, but couldnt find an account in my name. Thats because I dont have any accounts with XXXX XXXX I can only assume our terrible U.S. postal service misdirected the letter addressed and mailed to XXXX XXXX. The letter from XXXX included a copy of the front and back of the Chase balance transfer check, clearly showing the payee as XXXX XXXX. XXXX has refused to help and directed me to Chase. I called Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told, at first ( twice ) they would investigate and send me a letter in 7-10 days, which they never did. In XXXX, I was told a stop payment was attempted unsuccessfully in XXXX, which is not surprising since the check had cleared with Chase on XX/XX/XXXX. In XXXX, Chase refused to help and transferred me to someone at XXXX, who said I needed to talk to Chase.
Product: Credit reporting or other personal consumer reports

I have submitted several complaints to this company over the last few weeks through the CFPB. Since then I have not been able to access my credit to keep track of what is being reported. I have contacted them in regards to this but they are refusing to assist me. They are telling me that they cant find any of the documents that I uploaded to them through there online portal as well as the documents that I sent through the CFPB. I just uploaded the proper documentation on XX/XX/2024 for a dispute which they still have in investigation. This company continues to violate my rights over and over
Product: Credit card or prepaid card

Zales Commenity was suppose to give 12 months interest free. Instead gave 6 months interest and charged XXXX dollar fee. When holding for Supervisor after 45 minutes they hung up. Called back and Second Lady didnt want to deal with it and hung up on me. Third person finally got me to supervisor who said there was no report of call. I asked if she had previous calls same day where they hung up while I was holding and disconnected calls. She said no. So I advised your folks are not logging all notes. She stated nothing I can do for you.
Product: Vehicle loan or lease

In XXXX of 2023, I, XXXX XXXX, took possession of a XXXX XXXX XXXX XXXXXXXX from the XXXX of XXXX XXXX in XXXX XXXX Colorado. Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by JP Morgan Chase who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve XXXX  ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform JP Morgan Chase and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my consumer credit report. In direct violation of fdcpa, fcra, state and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not include : LIVE any report containing information solely as transactions or experiences between the consumer and the person making the report 568 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card

I received a 3 % cashback card from Paypal by Snychrony. I used that card often and always paid it off in full right away, within XXXX days of seeing the balance reflect on my account. I never missed a payment and never exceeded my limit. They decided to close my account with no justifiable reason and only gave me a vague " Risk to pay card '' as a reason. I've had no changes in my personal credit or income. They closed this account only because I was accruing cash back and not paying any interest as I was a pay in full customer. 

Now, I can not view my account to see my statements for my accountant and I can not access any of my ~ {$900.00} rewards that were accumulated. They stated that if they close my account, the rewards are forfeited. This is theft. I used their product only because of the rewards offered and I would have used a different card if I would have known this risk. From my understanding, rewards can not be taken from a consumer unless specific policies were violated, which I did not do.
Product: Credit card

On XX/XX/year> we identified a fraudulent charge on our Bank of America credit card statement. We immediately contacted the bank and opened a fraud claim. The charge was made to XXXX for the amount of {$1700.00} at XXXX pm on XX/XX/year>. BOA denied this claim and stated in their letter to us that the merchant ( XXXX ) stated this was a valid charge. The reasons given were that the purchase information included my correct credit card info, my name, email, phone, and address and that the purchase was made via an iphone within XXXX km of my home address. 

My husband and I obtained additional information from XXXX that the purchase was for XXXX tickets to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ( Home Game XXXX, Series Game 5 ) and that the purchase was made minutes before the game start time of XXXX pm. 

Upon learning that the person who made this fraudulent purchase had all my personal information, I filed a police report and froze my credit information with all the agencies. My husband and I also contacted Bank of America several more times to reopen the claim and provide them with the additional information including the police report. The claim has been denied 4 times, most recently on XX/XX/year>. BOA has not provided any additional information as to why the claim including the identity theft issue is being denied. In the denial letter BOA continues to state that the merchant says this is a valid transaction. I have made additional calls and BOA has not provided any information as to how I can further support this claim or why they will not protect against identify theft fraud on the credit card.
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 ( 1 ) 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 XXXX XXXX : 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: Student loan

As of XX/XX/XXXXXXXX I have submitted formal complaints to FERPA and the Department of Education regarding a breach of my personal and financial information.

FERPA, explicitly protects confidentiality of student records. The recent breach is a clear violation of FERPA, resulting in the unauthorized access to financial aid data, as well as the Privacy Act of 1974. These violations have EXPOSED my personal and financial information, putting me at a significant risk of harm.

The exposure of my personal and financial information has left me vulnerable to identity theft, fraud, and other forms of financial harm. The burden of monitoring and securing my accounts now falls entirely on me, causing me significant stress and inconvenience.

This breach has caused me considerable emotional and phycological distress. The unauthorized disclosure of my private information, as well as my family 's private information, has left me feeling violated and anxious about the potential long-term consequences.

The unauthorized sharing of my student records and financial data could harm my reputation, both personally and professionally. This breach undermines my trust in the department of education 's organization and its ability to protect sensitive information.

I was not informed of this breach in a timely manner or at all, this represents a further violation of my rights. Many states and federal regulations require organizations to notify affected individuals immediately in the event of a data breach. 

This involvement of third parties, XXXX XXXX and XXXX, in this breach raises serious questions about the organization 's data security protocols and accountability measures. It is their responsibility to ensure that third parties handling sensitive data comply with ALL APPLICABLE LAWS AND REGUALTIONS.
Product: Checking or savings account

Chase bank in XXXX XXXX is ridiculous when you try to use your debit card for an ATM withdrawal from a non Chase bank. If I go to a non Chase bank I get charged $ XXXX then Chase charges me another {$3.00}! Thats absurd! Not to mention, the major lot of Chase banks in XXXX XXXX do NOT have a teller machine. To make matters even worse Chase has vestibules BUT you cant even use the vestibule after banking hours XXXX. What a joke. EVERYONE IS WORKING FROM XXXX! This past year alone Chase has charged me an additional {$200.00} just to use my debit card? Thats wild and I will be closing this checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX Complaint Department - Credit Score Accuracy EXPERIAN XXXX XXXX  XXXX XXXX TX XXXX I am writing to dispute the Credit Score Data on my credit report is inaccurate, and NOT updated correctly as the FCRA detail and the State of Washington Consumer Credit Reporting Acts also details. According to FCRA under Title 15 Commerce and Trade, Section 1681, None of my information is being updated as True, Accurate, or with prompt relevance. Your Agency is in direct violation of the FCRA and the WACCRA.

SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting
. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Your Agency has failed to update my Credit Score appropriately and within a reasonable amount of time. Therefore, I am tendering this letter as a FORMAL NOTICE to correct that discrepancy and ERROR within your system. I will be tendering this information to the FTC and other Federal Organization to review your practices and correct this inaccuracy.

Enclosed are copies of other creditor Score Monitoring Sites, that quite plainly show a more accurate picture of my credit score and worthiness. Why your Bureau is so lack luster on updating information remains a mystery and is an FCRA failure on your part.

Please reinvestigate this CREDIT SCORE Reporting issue and your INACCURACIES PROMPTLY and correct this information in accordance to the FCRA Federal Rules. I WILL expect a favorable response from your Agency regarding this issue. Tender a Formal letter in response to the address listed above. 


Sincerely, XXXX XXXX XXXX