23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXXXXXX Peace & Love To All Who Read This! 

I applied for a card and got denied. Chase didn't even send me the denial letters. I received an email stating that I had notices on my account, but when you login there's nothing there. No reference number, nothing. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. 

According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. 

Assets of the Issuing Entity The assets of the issuing entity include : credit card receivables arising in certain revolving credit card accounts owned by JPMorgan Chase Bank that meet the eligibility criteria for, and have been designated for, inclusion in the issuing entity ; and funds on deposit in the collection account, the excess funding account, the interest funding account, the principal funding account and the Class C reserve account. 

You may have sold all rights, titles, and interest of the receivables to, but Im the beneficial owner of the original noteholder. You're being paid! Not only that, but you also got the original issue discount ( XXXX ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX I have been consistently making payments for these two loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold XXXX loan # XXXX, to XXXX XXXXXXXX XXXX apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX XXXX  only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX makes amendments to their policy regarding transferring service notices and the XXXX websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the addresses I do not recognize are continued here. 

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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block, KIc. ) ( D to irl lie quato 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 0:31 was untair anodeceptive, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Payday loan, title loan, personal loan, or advance loan

i got a loan from XXXX XXXX XXXX for {$950.00} dollars and was told i could pay it back in full for {$1000.00} dollars but went to pay it back in full two weeks later and was told the payoff amount is now {$1300.00} dollars and i was also told if i didn't pay it off in full my every two week payments will be over {$500.00} dollars... i need help settling this... 
thank you
Product: Checking or savings account

Opened unfunded checking account with Discover Bank on XX/XX/XXXX with intent to fund account with deposit of check on XX/XX/XXXX. After submitting mobile deposit on XX/XX/XXXX, got message that funds would not be available until one week later on XX/XX/XXXX. Had not been informed of hold on check deposits when I opened account or before I submitted the mobile deposit. Was informed today by issuer of check I deposited that Discover has my money but they refuse to make my money available to me before XXXX. Direct deposit of my social security check will also be made to this account on XXXX and I will be closing this account on XXXX. Stay away from Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to BIRCHWOOD CREDIT SER. I am writing to appeal that you block the non authorized information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

In accordance with the Freight Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX calls repeatedly all through the day ( robo calls ) XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My unemployment was stolen from a US bank relia Card. The amount was {$18000.00}.
Product: Credit reporting or other personal consumer reports

In XXXX my identity was stolen and I made a report on XX/XX/XXXX at XXXX. On XX/XX/XXXX I logged onto the XXXX website to check my credit score and found several misinformation, they are as follows ; XXXX. There ware five accounts affixed to my name ( four of which I do not recognize ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. There are eight addresses affixed to my account that I have never lived at. They are as follows ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These errors are affixed to debts that I have not incurred upon myself which in turn caused my credit score to be decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive applied for mortgage loans and have been denied several times. Transunion continues to tell me to call my banking agency and my banking agency says that they report within 48 hours of statement close. My credit score has been affected as well as my eligibility for certain products. My XXXX credit card has a XXXX balance, XXXX XXXX checking line of credit has a XXXX balance and my XXXX XXXX  cash rewards card has a XXXX balance.
Product: Debt collection

I Dont have a XXXX credit card this company has been harrasing me for the last few years, i have asked them to tell me what was bought and when, and they said they dont have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 60
4 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  be removed as a charge off on my account while XXXX XXXX should not be on my credit report at all as I owe them nothing nor do I know anything about this third party company now claiming this debt that they sold to back on XX/XX/year> named Monarch recovery management, whom I never enter into a consumer transaction with. The Fair Credit Reporting Act states that if a consumer notices inaccuracies or incompleteness of information they are to send a notice of a dispute to a consumer reporting agency notifying them of such inaccuracies or incompleteness. After going back-and-forth, yall keep stating that the accounts are accurate and verified your company has failed to conduct a proper investigation as there are still inaccuracies or incompleteness of the accounts that were in the initial notice of dispute which is a violation of 15 U.S.C. & 1681 ( i ) As I request again with proof of me, owing XXXX XXXX nothing the letter that they provided stating that they do not own this debt, which means I do not owe this debt to XXXX XXXX so again please remove this inaccuracy from my Report today. They have also violated my consumer rights per USC, 6802 please respect my rights under the FCRA Section 611 Part ( A ) ( 1 ) as this is the over the 3rd attempt to fix these inaccuracies in a timely manner per 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural persons. Im the consumer in which the debt is arising This company is violating my rights per 15 usc 1602p. Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable again These are inaccurate on top of I am a victim of the XXXX XXXX breach, so everything that I have been requesting should have been updated through all three credit bureaus, and it was not so today I stand here stating I am challenging jurisdiction with evidence here of my letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud and inaccurate reporting is causing damages to me my natural living breathing self and my credit report. Hindering me from being able to purchase a car for me and my children as the winter time is approaching and they have to walk to the bus stop in the freezing cold. They have missed half of their football and cheer season due to me, not being able to get them there because I do not have a car and Im being denied loans for a car, Due to these inaccurate reporting on my credit report and I am unable to purchase us a new home as well with these inaccuracies. i am also requesting that these items be removed within 15 days
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 ( 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 violations.
Product: Debt collection

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX Phone : XXXX This company has used several tactics to attempt to collect a debt, none of which involved any due diligence on their part, all while refusing to provide a debt verification letter upon request. I last spoke with a representative today, XX/XX/2023, who stated that she would not send a verification letter, and that I can come into their office if I want XXXX. I'm not entirely sure how I would, given that they never provided any communication with an address or even phone number ( I had to find it on my credit report ). I proceeded to ask if she can verify the debt amount over the phone. I explained that I had spoken with the original creditor who showed that it is half the amount being claimed by XXXX, and it appears that XXXX is attempting to collect for both myself and ex-husband 's overdue memberships that had been previously auto-deducted from his checking account alone. She proceeded to speak over me, exclaiming that it is under my name and that makes it my debt. 
While trying to explain further, the woman cut me off, told me to come into the office if I need a letter, and proceeded to tell me she has my picture and all my information. This is threatening and highly unprofessional to say the least. She hung up on me after yelling at me to take a " time-out. '' I have since reached out to the original creditor 's billing manager who also confirmed that XXXX is incorrect in attributing the full amount of these memberships to my name alone. The billing manager also confirmed that it is a violation of the Fair Credit Reporting Act to refuse a verification of debt letter upon request. 
This is the most recent interaction with XXXX. My experience with this company began in XXXX of last year when I first saw my credit report had been damaged by their collection without any prior notice to me or attempt to collect from me directly. I had never received a notice, call, email, or any type of correspondence from XXXX until I called them at the number on my credit report. When I asked a representative for dates and times of their alleged collection calls, I was able to see in my phone records that they had never called me. Further, they did not send any notice by mail. After I called the first time, XXXX then began to call often-establishing their correspondence. Before this time, XXXX did not practice any due diligence in an effort to resolve the debt with me directly, never called, apparently did not bother to confirm the debt amount in the file provided to them by the creditor, and now refuses to confirm the debt once in collections. 
This company and their gaggle of agents are highly unprofessional, lazy and predatory. Their conduct and speech are troubling and their collections practices are highly concerning. They should be considered for further investigation. Based on the reviews by others on their public record, I am not alone in this and they have been similarly unprofessional and predatory with others.
Product: Money transfer, virtual currency, or money service

My chase bank app has a XXXX option. I used it bc its on CHASE APP as an option to pay. 
I have tried to purchase XXXX XXXX tickets. Sent XXXX payment via XXXX XXXX. {$500.00} Within XXXX minutes I realize it's fraud bc I only got XXXX ticket. So I call both phone numbers and they go straight to voice-mail. I hop in my car to go to XXXX XXXX to see if XXXX ticket I received via a fake electronic '' XXXX '' ticket is at least legit. I live XXXX minutes from XXXX XXXX; was told by XXXX XXXX XXXX its definitely a scam ). On way there I call chase and XXXX immediately. I give them the 2 phone numbers, one email address and 2 names linked to the person I supposedly paid. Both companies say oh well, no investigation and refuse to refund me. 
Chase is supposed to be a secure safe app. If so why do they offer XXXX as a payment??? When if fraud there's XXXX help? 
I asked this when I called chase told Representative I used my phone not PC for transaction. I was then told that a warning pops up from chase re XXXX in PC but not in phone transactions.. 
WHAT!!?? 
2 employees at Chase & 1 at XXXX all told me that Chase hardly if ever help with XXXX fraud NOR issues refunds. Yet they are able to pull all info up and see where, what email, what phone number and who my money went to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with Experian credit reporting. 
I have try to correct items and I am not given the opportunity to fix them On the web site I try to open a dispute and the system keeps telling me That is not available. I also try getting a copy of my report and got nothing But in the mintime they leek making changes to my report and my score I have also try calling but there in no one to talk to and the recording Just goes round and round, this has been going on for little more than a Month