23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sta
tes : no consumer reporting agenc

y 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cash App issues with non existent and fake customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter. I do not know how this item ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that this account is mine, because I assure you, I have never taken out these charges.
Product: Debt collection

I sent a letter to I C System requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. I C System is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of violations against the FDCPA.
Product: Checking or savings account

This was the offer I was supposed to get : Get a {$50.00} or {$150.00} Visa Reward Card* After you open a NEW REGIONS checking account and fulfill all requirements of the offer! 

Register Now XXXX XXXX thought you might like to take advantage of this great opportunity with Regions Bank. After you complete all requirements of this offer, you will each receive a Visa Reward Card. 

HERE 'S HOW TO EARN YOUR REWARD CARD : See Full Terms & Conditions Within 90 days of this communication : 1. Click here to complete and submit the required registration form and accept the Terms and Conditions of the offer 2. Open a new checking account with a Regions Visa CheckCard, and keep the new account open and in good standing for at least 60 days Then complete all of the following steps : For a Personal Checking account, within 60 days of account opening : Have at least one ACH direct deposit ( such as a recurring payroll or government benefit deposit ) of {$300.00} or more Complete at least 10 Visa CheckCard purchases that post to the account Sign up for Online Banking with Online Statements ( if you do not have a Social Security or Taxpayer ID number to enroll, visit a branch to see if you are eligible for other enrollment methods ) Get your {$50.00} Visa Reward Card in 46 weeks after all conditions have been met! 
For a Business Checking account, make an initial deposit of at least {$500.00} within 90 days of this communication. Then, within 60 days of account opening : Complete one Visa Business CheckCard purchase that posts to the account Sign up for Online Banking with Online Statements ( a Social Security or Taxpayer ID number is required to enroll ) Get your {$150.00} Visa Reward Card in 46 weeks after all conditions have been met! 


THEY CLAIM I FULFILLED THEIR REQUIREMENT BUT SAY THEY LOST MY REGISTRATION AD WILL NOT GIVE THE BONUS THEY OFFERED
Product: Vehicle loan or lease

I have had a loan through Consumer Portfolio Services for a few years now. They have been calling at all hours as well as contacting references on the loan even when we have made arrangements for late payment ( these contacts of references have included XXXX lying to the reference saying they were seeking to hire me to gain personal info on me ). The calls never stop, they call me XXXX and XXXX  times in a row and them attempt to call my husband. Recently I have made {$2500.00} payment attempting to lower the principal but the company took {$640.00} of that and said it was because of back interest on the loan. We no longer need the vehicle and are trying to sell it to carvana but getting answers about the payoff is like pulling teeth. They are rude and threatening and it is not acceptable. I was advised to contact a Local Contractual Attorney to find out out if this contract is even legal in my state.
Product: Credit card or prepaid card

A recent credit card dispute was not handled properly by my bank ( USAA ). I disagree with their findings. I " appealed '' the decisions via their " re-assertion '' process. I was encouraged to do this via telephone and to plead with USAA. I was even told to lean into the " human aspect '' of the matter, bringing attention to my length of membership with this, suggesting possible discrimination practices. 

During these phone calls, I was verbally told by an advocacy advisor that USAA would do " whatever they could '' to resolve this matter. 

I asked USAA to credit my account {$6000.00}, which should be something they could possibly do and aligns to the " whatever they could '' comment. 

Since submitting the documents, both electronically and by mail, I have received no response. 

I request this matter to be investigated fully and all phone calls to be audited from dates ranging XX/XX/2022 - XX/XX/2022 to review all verbal promises made my USAA in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the information on my Transunion report four times in the past with the following closing dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All disputes have been futile. I am in the Total and Permanent XXXX status with my XXXX  student loans, with the loans ( including a Joint loan with my spouse ) having been transferred to XXXX last year ( XX/XX/XXXX). However, the joint loan stills shows. My problem is that Transunion is showing this loan twice on my report, one for {$86000.00} ( correct amount ) and one for {$83000.00} ( incorrect amount ). Basically, this is a dual report of the same loan as I have only one joint loan with my spouse.
Product: Debt collection

I have attempted several times to validate debt and was told that legal action would be taken against me if not paid on debt that doesnt belong to me. I was told that it is being reported to credit bureaus and ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, XXXX, and Experian. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Product: Prepaid card

RE : BLUEBIRD ACCOUNT XXXX {$210.00} in stolen credit card charges I am writing to you for your assistance to settle a dispute with a stolen America Express Bluebird credit card. On XX/XX/2016 I received a text message from AmericaN Express Bluebird that my account is now at {$0.00}. I had {$210.00} balance on the card prior to this email that I received at XXXX. There were XXXX charges made on XX/XX/2016 at the XXXX XXXX XXXX XXXX by XXXX XXXX, California. I live in XXXX XXXX and upon receipt of the email from AMEX I logged on to my AMEX account I went online and saw the XXXX charges that were made between XXXX-XXXX. I received the email at XXXX, I called from my house in XXXX XXXX and called AMEX and called your payment processing center. I told them not to pay since these were fraudlent charges. They said it was pending and I had to wait until it was posted. 

I had called AmericaN Express Bluebird to request a new card since my card strip was worn from using it frequently. I never received that replacement card. Amex called me on XX/XX/2016 and said they contacted XXXX XXXX XXXX XXXX and said the charges were valid. There is no way I can travel from XXXX XXXX to XXXX XXXX in 1 minute. I asked for someone to pull the tapes and I can send my photo to prove that was not me making the purchases. I also said when I was calling AMEX they can call me back at work to prove I was in XXXX XXXX at XXXX on XX/XX/2016. 

Amex said that based on XXXX notification, they denied the dispute of my charges and closed my account. They said there was nothing they can do since XXXX said the charges were valid. I wanted to explain my case I wanted to XXXX to have someone just pull the tapes so I can verify that was not me making those purchases. The total of the XXXX charges total {$210.00}. I have already filed a police report with the City of XXXX XXXX and the USPS both reports are attached to this letter. American Express Bluebird did nothing after I immediately notified them of the fraud charges. Since this was a prepaid account they are not out the money but the consumer me is out {$210.00}. American Express Bluebird has a obligation to the consumer when properly notified to reverse the charges and to fight for the cardholders funds back which they failed to do. 

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

I called into Exeter finance and advised them that I felt like my rights were violated based on Florida laws on repossession. I called Exeter Finance and spoke to a rep by the name of XXXX. I requested that she send me documents pertaining to the loan on this vehicle including the contract, account statement, notice of sale, and notice of deficiency balance. 
During our conversation she advised that she could not provide the notice of sale or notice of deficiency due to " time sensitivity '' I advised her that as a consumer I felt that I have the right to see the notices. I was never in receipt of the notices so I have no knowledge of how the deficiency balance was calculated or when the car was sold and how and where the car was sold. See attached credit reporting for account information.
Product: Credit card

My complaint is about not being able to opt-out of spam marketing related to my Chase credit card. 

My time is precious and I should be able to opt-out of all marketing related to ( financial service ) business I have a " relationship '' with. I do have a Chase credit card. I do not want Chase spam. 

Reputable companies include a link at the bottom of their spam allowing a recipient to manage which emails are sent to them. Chase does not. They should. 

Here 's what's at the bottom of the " Good news : XXXX, you may qualify for more spending power if you update your income '' email I received ( and should not have received because I'm the consumer and I should be in control. ) NOTE : notice there are no links to unsubscribe or manage which communications I received - XXXX XXXX should be hauled in front of a congressional inquiry to answer for why his company does this. Seriously. Treat the consumer with greater respect and empowerment or don't do business in the XXXX. When I went to the chase.com/CustomerService, I wasted more time looking for the unsubscribe/manage communications link. It's not there and should be included directly in the email anyway even if it is buried somewhere on chase.com Email Security Information : Email intended for : XXXX For your account ( XXXX ) ending in : XXXX If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

* TERMS AND CONDITIONS : Credit Limit : We may also refer to your credit limit as your credit access line or your credit line. 

ABOUT THIS MESSAGE You have received this email to give you updates and information about your Chase relationship. 

This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

Chase XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

JPMorgan Chase Bank , N.A . XXXX FDIC 2024 JPMorgan Chase & Co . 

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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

I was issued a check by XXXX XXXXXXXX in exchange for selling my car to them on XX/XX/2022. I then placed the check into my account with Wells Fargo using the ATM. The check I was issued was also drawn on Wells Fargo. The check was initially suppose to be made available to me on XX/XX/2022, however on that date I was sent an email stating that the check was placed on hold until XX/XX/2022 which is almost two weeks after depositing. I was informed that ther was some kind of issue with the check causing the hold and I would need to refer to the check issuers. I contacted XXXX who issued the check to me and informed them of the issue, they looked into the matter and I died me that the check had been debited from their account that morning and there was nothing they could do on their end because the check has been funded. I called Wells Fargo back and spoke to two different people on XXXX and XXXX Who still could not release the funds staying that once theirs bank has confirmed they funds are available they will release to my account but still not giving me any real solution as to how to have the process speeded up. I informed them that the money they have on hold I need to pay my rent and feed my kids and I was informed they will cancel any over draft charges I obtain during g this time. I however cant even use my debit card as an over draft I cant do anything and I do t get paid until two days before the check is suppose to clear. I believe they are only verifying the check because Im a person of XXXX because it should. It take almost two weeks to verify something that is dream in their bank its self.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now
Product: Mortgage

Three attempts to unsubscribe to Lending Tree. Daily barrage of solicitations for credit. It also seems to have information about my debt that should not be public.
Product: Credit reporting or other personal consumer reports

Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from Open Road Lending, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, Open Lending, XXXX XXXX XXXX  without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX XXXX Open Road Lending or XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

A familiar phone number called me so I answered, and it was a man saying it was XXXX  XXXX and that since my account had been frozen, they were about to disconnect services in 30 minutes. I had indeed had trouble with XXXX XXXX in the past few months, so this was believable. The person told me that a zelle payment would be the fastest way to take care of it, so I sent the amount of {$490.00} through the Zelle portal in my XXXX banking app to the recepient. Neither XXXX or Zelle is being helpful in recovering my money.
Product: Bank account or service

XXXX of XXXX a check was deposited at the ATM. XXXX.receipt showed $ XXXX.I called the bank.they said a one time check would b credited.had2wait a few days.XX/XX/XXXX I got a letter credit was being taken back.I called 2get a understanding.Told everything 's OK.XX/XX/XXXX, I call checking my debit card.said I was negative $ XXXX.shocked.I called crying.y? Told bank gave2credits. $ XXXX $ XXXX.all day calling crying.bank is right I am wrong.I am a XXXX XXXX.my daughter had the card.if there were2credit she had2spend it.I beg the bankers make arrangements.that was my whole check4my bills.they said no+took all my money.now I can not pay bills or rent.I got no respect.8yrs I have been with chas.
Product: Payday loan, title loan, personal loan, or advance loan

I was tricked into signing a document on the phone for a loan around XXXX and they charged me over a 600 % interest rate with a XXXX dollar fee. They made me sign while I was on the phone with them and didn't let me read the document.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I sold my collection to another person. We used PayPal for the transaction of {$1600.00}. Paypal took out a fee of {$47.00}. Leaving me with {$1500.00}. Paypal informed me that it will take 21 days for the money to clear to make sure the buyer was protected. I waited the 21 days. On XXXXXXXX XXXX XXXX XXXX, I checked my account and they were permanently disabling my account and that I can not use PayPal anymore, they stated they will hold my balance for 180 days. I did nothing wrong to have this happen. I want my money from this account. I called the business and they stated they did not see any reason why this happened but had to send this to the review board, which can take 7 days. 
I want Paypal to remove the limitations and I want to be able to get my money and transfer it out of PayPal.