23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Please be advised that my dad XXXX XXXX XXXX ( XXXX ) passed away XX/XX/2019. My dad had a Living Trust Account with Chase Bank. On XX/XX/2019 the Living Trust was amended by XXXX XXXX ( notary ). Mr. XXXX submitted these fraudulent documents to an employee in the legal department at Chase Bank. I was able to review these fraudulent documents recently.The Fraudulent document amendmented XX/XX/2019 made my sister XXXX XXXX XXXX Trustee and removing XXXX XXXX XXXX as beneficiary on the House Living Trust. 
Mr. XXXX ( notary ) does not have the legal capacity to amend Living Trust documents. Mr. XXXX notarized these fraudulent documents when his notary license was expired. 
My dad XXXX XXXX XXXX did not walk those documents into the Chase Bank nor did he speak with a branch manager there. 
The signature on the fraudulent amended Living Trust dated XX/XX/19 is not of my dad, XXXX XXXX. 
Please be advised that I have made many attempts to resolve this issue with Chase Bank.
Product: Debt collection

XX/XX/2024 CFPB Case XXXX Follow up to Case # XXXX American Express XXXX has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/2024. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached XXXX for sender 's information. 


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

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report for LexisNexis, and I found out that there is plenty of old addresses I found on my credit report. These addresses are outdated, and I no longer reside with them. Also, I found other addresses that I do not recognize at all.
Product: Money transfer, virtual currency, or money service

I had closed my XXXX XXXX Checking account in XXXX of XXXX. Upon doing so I received a letter from Citizens Bank XXXX XXXX XXXX NH XXXX. This letter stated I have no other accounts with that bank. I know I did because I set up my retirement account online. In doing so I also learned the Lawsuit I was involved in and was awarded a rather large lump sum was deposited because my total either monthly or yearly that I was to receive in my retirement was also rather a large lump sum so I knew what I was awarded had been deposited. Not only that but the bank didnt close my debit card when I had closed my account that XXXX of XXXX. Here we are now XXXX and I had gone back to the very same bank and opened a checking account and a savings account in XX/XX/XXXX. This is when this bank took the opportunity to close my old debt card of XXXX that was in my previous legal name even though since then I remarried and the bank representative who helped me open the checking and savings said that was weird Ive never had that happen before. She was confused because she had entered in the computer my newly married name saying she has worked there XXXX and a half years and that has never happened to her before. She called the individual processing debit cards explained the first debit card came out with my previous name and she would need her to print up another debit card with my new legal name. I have the paperwork that shows in XXXX my card number and now in XXXX that strange debit card that came up with my previous legal name on it also has the same debit card numbers from XXXX. I also have the paperwork for that bank closing the debit card from XXXX now in XXXX closing it due to computer errs. In XXXX my checking account I had opened was also cyber attacked and wasnt put back in the same way it was taken out in different increments adding to be over {$700.00} dollars taken by a company name of XXXX XXXX the bank didnt report it to the proper authorities.
Product: Credit card or prepaid card

Hi team, I signed up and was approved for an American Express Delta Skymiles Platinum card in early XX/XX/2022. The card was supposed to have a XXXX $ annual fee but after multiple weeks, this fee was not charged. In order to budget for the holidays, I reached out to American Express support regarding the new card and asked when the fee would be charged. They explicitly stated in writing that there would be no annual fee charge until next year. I went on to budget and make purchases as planned until, after a few weeks, the annual fee was charged to my account on XXXX XXXX. This messed up my budget and caused financial stress due to the unplanned nature of the fee. I reached out to support again who told me that they could not cancel the charge but would put it up for review by the finance team. I reached back out over the next few months but it had still not been processed. I finally reached out on XXXX. XXXX and was told that it had been reviewed and the cancellation request had been denied. This has left me in a situation where a credit card company told me explicitly that I would not be charged a large fee, but they went on to charge it anyway. It is obviously in their best interest to surprise their customers with a fee that they claimed would not be charged. I have lost trust in their support and would still like my XXXX $ back. This is inexcusable.
Product: Vehicle loan or lease

I refinanced and paid off a car loan that was held by Bridgecrest back in early XXXX of 2019. It was overpaid by aproximately {$130.00} and I have not yet received the refund of the overpayment. Everytime I call they tell me that a check has been sent and verify the address with me but it has been 2 months and I have not received a check. I think there has been adequate time to issue this refund and do what is necessary to make sure I receive it.
Product: Checking or savings account

My name is XXXX XXXX I have a debt with Citizens bank that I'm disputing : XXXX someone cashed a check in the amount {$6300.00} XXXX my account with Citizens bank. I did not have the funds to cover this check and it was not me cashing the check. The funds where given now I'm being change to pay these funds. 

XXXX for any further information
Product: Credit reporting or other personal consumer reports

This totally negligent crooked fraudulent company has now notified me again for the XXXX time they have UPDATED MY MIDDLE NAME, WHAT XXXX FOR XXXX  YEARS I BEEN COMPLAINING ABOUT YOU STEALING XXXX  MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK and all you can fix is my middle name XXXX TIMES AND YOU WONDER WHY THE F.T.C. AND D.O.J. WANT COPIES OF THESE COMPLAINTS AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to purchase 3 vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to XXXX XXXX XXXXXXXX and Ford Motor Credit with this prof. Since this loans were placed under my name in XX/XX/2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to XXXX XXXX XXXXXXXX, Ford Motor Credit and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called XXXX XXXX XXXX  and ford motor credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my 10 plus dispute claims police reports FTC reports.
Product: Debt collection

I had a phone call from this company XXXX XXXX XXXX from phone number XXXX. He did not state who he was with right away when I asked. He asked if this was XXXX and I said that is correct. He then told me who he was but did not tell me he was trying to collect on a debt that I am not aware about. I asked him to send this information in the mail and then he got nasty with me and told me to go XXXX myself and that he will let them know I am not willing to corporate and hung up on me. They call crazy hours like XXXX central time. This took place on XX/XX/2018 at XXXX XXXX. I then proceeded to call company back and told them I wanted to speak to a supervisor. The supervisor was rather rude and was explaining to me that they do not have to provide documentation about this debt. I asked him to send to me in US mail and he was rude about it. He also stated to me that this is my account and he does not need to send this information. I said to him that according to the Federal Reporting Act he does by law. He then hung up. I do not feel this is good practices for this company.
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal XXXX  during emergencies, and every paycheck is an emergency.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 U.S. Code & 1692c prohibits debt collectors from communicating with third parties in connection with debt collection.

Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
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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 XXXX XXXX XXXX these inquiries need to be removed XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired XXXX I 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( XXXX XXXX XXXX  Account # : XXXX ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached PDF. This is false and misleading. I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If XXXX XXXX XXXX  Account # : XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with IRS. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation. 

Also XXXX XXXX XXXX  Account # : XXXX is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the highest credit limit, the credit limit, date last active, are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY. 

Last XXXX XXXX XXXX  Account # : XXXX is reaging their account by currently reporting on my credit report XXXX charge offs when this account was allegedly closed on XX/XX/2017, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

Hey I look at my credit report and seen inaccurate and incorrect information on my credit report. Its two account that showing old information and out dated information. According to the fcra and truth and lending act. These accounts have violated my rights and also violated my privacy rights and should be removed and deleted from my report. Its stopping me from helping my family and I would like these account be deleted immediately. Us code 1681 and us code 1682 ( b ). 15 us code 1692 ( e ) has violated my rights. 15 us code 1681 ( e ) has been breach off the laws and by all rights should be in place. After 7 years account should be deleted by law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3500.00}
Product: Vehicle loan or lease

On XX/XX/21 just prior to the expiration of my lease ( on or about XX/XX/21 ), I mistakenly paid an extra {$1000.00}. When I discovered the error, in XXXX, called Mercedes-Benz Financial Services ( MBFS ) and was told that the Mercedes dealership XXXX which purchased the vehicle, got a credit for my overpayment and I should recover the money from them. The dealership denied that they received the credit and told me they had paid the buyout price reflected in my lease. I went back to MBFS and at the beginning of this month spoke to XXXX. ( Note : Hold time before reaching a human at MBFS has always been at least 45 minutes. ) XXXX XXXX was at first perplexed but did in fact call me back to say approximately half of the overpayment was applied to personal property tax, but he needed to do further research to figure out what happened to the balance and that he would call me again. He didnt. I just spoke to another woman at MBFS. She told me that the notes on my account indicate that I am owed {$490.00}. I asked when I should expect the refund. She put me on hold while she called customer service and then politely told me that the account was closed and I would not be getting my money back.
Product: Debt collection

Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.
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 violates 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. Futhermore, their dispute process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD SEE ATTACHED FILES They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave POSSSIBLE FINANCE NOR XXXX written permission to furnish this account on my consumer reports. 

I have attached my XXXX  and my bank statement along with my ID so do not send me a STALLING LETTER!
Product: Checking or savings account

XX/XX/year> MoneyLion XXXX XXXX  unlocks my account. I activate the virtual card more virtual identity verification when they know I have identity theft and no state ID. I verified my identity with my VA ID. Tried to add my XXXX XXXXXXXX XXXX from social security that has no account information whatsoever but a card number expiration date and XXXX. Couldn't add it. Also can't send my debit. So they still have my funds locked up with new information added. Anything can happen on any given day and MoneyLion won't let me withdraw add certain debits because they know the information I have and don't have. This is a government operation on me. XXXX XXXX where I reside wont order my birth certificate saying it doesn't exist in the national archive. What y'all corrupt dirty government hidden Individuals are saying is that I don't exist and that I'm a clone right? All of you are involved in this.