23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a XXXX EUR ( {$70.00} ) prepaid online reservation at XXXX on XX/XX/2018 for a 7-day car rental with my XXXX credit card from J. P. Morgan Chase Bank. 

Upon return of the car on XX/XX/2018, XXXX issued a Final E-Bill in the amount of XXXX EUR ( {$12.00} ), which I signed, to settle all the pending charges related to this car rental. 

11 days later, on XX/XX/2018, I noticed a XXXX EUR XXXX {$200.00} XXXX charge on my credit card from XXXX. As the Final E-Bill was in the amount of XXXX EUR XXXX {$12.00} ), I was overcharged {$190.00} ( XXXX EUR ). 

I had to dispute this overcharge ( {$190.00} ) several times with J. P. Morgan Chase Bank, but eventually, I received a letter dated XX/XX/2018 from J. P. Morgan Chase Bank ( please refer to the attachment ) advising me that my dispute had been resolved and a permanent credit in the amount of {$190.00} had been issued and would remain in my account. 

However, several days later, I received a misleading letter from J. P. Morgan Chase Bank requesting me for documentation regarding this dispute, which I thought was a mistake / mixed correspondence as this dispute had already been closed. 

I called on XX/XX/2018 at XXXX to J. P. Morgan Chase Bank and explained the situation to the Chase representative ; he advised me to send a fax to Chase attaching the letter I had received dated XX/XX/2018 stating the dispute had been resolved and a permanent credit issued in the amount of {$190.00}. Chase could confirm this call as it must have been recorded. 

I then sent a letter as advised by fax on XX/XX/XXXX at XXXX to the XXXX. Find attached a copy of this fax as well. 

However, on XX/XX/XXXX, I noticed J. P. Morgan Chase Bank had rebilled me {$190.00} so called in and the agent and supervisor was unable to find the letter dated XX/XX/XXXX with a permanent credit for {$190.00} and the faxed documentation on XX/XX/2018. 

I then sent a secure message to Chase on XX/XX/2018, complaining about this and requesting them to honor the {$190.00} previously notified and issued permanent credit. 

I find all of this unacceptable. I received a written notification from J. P. Morgan Chase Bank dated XX/XX/2018 in my mail that my dispute had been resolved and a {$190.00} permanent credit had been issued and would remain in my account. 

Therefore, I request J. P. Morgan Chase to follow through their previous letter / notification, and reapply the {$190.00} permanent credit in my account. 

I find any other response unacceptable. This dispute was resolved and settled per the letter issued by J. P. Morgan Chase Bank on XX/XX/2018. 

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

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an home improvement loan with Enerbank USA. I had a gas line and tankless water heater installed in my home. I have had problems from day one access enerbank to help with any issues that I have with access payment portal. I only received a call stating no payment was made and I need to pay XXXX dollars in full to bring account current. Payment was made but I have no access to online documentation. My loan account is being reported as a line of credit instead of a loan and affecting my credit harshly. I have reached out to credit bureaus as well as Enerbank multiple times to resolve this issue. There is nothing that has been done about this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Burau ( CFFB ) the document neded and a letter from an advocacy grou helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Dbt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within-four business day pursuant to section 605C of the Fair Credit Reporting Act. I am a vctim of XXXX XXXX of Debt Bondage and would like fg all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX {$52.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} XXXX XXXX XXXX XXXX. {$320.00} XXXX XXXX XXXX XXXXXXXX. {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my credit report with Experian to help my file.
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 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 an account without my written instructions.

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 any purpose.
Product: Credit reporting or other personal consumer reports

Im writing to file a formal complaint against Experian a consumer reporting agencyfor their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously delited material into my credit report. I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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: Checking or savings account

I was recently married and my mother wrote a check to us as a gift, which I tried to deposit. My bank held onto this deposit for more than a week, took her funds, and then refused to release the funds to me. Their solution to the problem was to tell my wife to forge her name onto the check in order to fulfill their endorsement requirements. Meanwhile, they have no plan to release the funds back to any of us.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, correspondences were sent to XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX involving violations pertaining to an account on my credit profile. 

As a federally protected consumer, I have a right to privacy in which said companies violated ( amongst other violations ) by listing income on my credit profile. 

No resolution has been met yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I mailed a letters on XX/XX/2022. Here is my tracking : XXXX XXXX, Equifax XXXX, XXXX - XXXX, To delete personal information from my credit report that I did not want. My federally protected consumer rights have been obviously violated, according to the Fair Credit Reporting Act sections : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; UTILITY SELF-REPORTED XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$3600.00}.
Product: Mortgage

My wife & I refinanced our house for a 15 year mortgage through XXXXXXXX XXXX XXXXXXXX which was great. They said we could pay off out home in 12 years if we paid Bi-Monthly in which we took advantage of. Our new Mortgage Payment with Taxes & Insurance came out to {$1500.00} a month. Our bi-monthly payment was {$770.00} every 2 weeks. 

Citizens One Mortgage bought out our loan after two months. In the begging they tried saying I owed something like {$2000.00}. I said I pay on time every two weeks. If there is any money outstanding then XXXX has my mortgage money. Now again, Citizens One Bank is accusing me owing over {$3700.00}. I have been paying Citizens One every two weeks like clock work to pay off my home mortgage faster than 15 years. They also are trying to automatically raise my Monthly Mortgage Payment from {$1500.00} to {$1800.00} a month which isn't the new monthly payment that I refinanced for with XXXX. I have proof of physical documentation for my new refinanced monthly payments. 

I have never ever missed a mortgage payment in 30 years. Citizens One is collecting my mortgage payments and not applying it to my home loan. I have called into Citizens One and got a Customer Service Rep that I didn't get anywhere with one the telephone. I told the CSR that I show my bank payment history to Citizens One Mortgage with every single payment to them with no missed payments. I even told the CSR that you just received another payment from my bank the day before. I was on hold for a very long time waiting to speak to a Mortgage Supervisor. The Citizens CSR told me that he would have a Supervisor call me back that same very day. Until now, no Supervisor has called me back from Citizens One Mortgage. I want to make a federal complaint against Citizens One Mortgage taking my money and not applying it to my Home Loan Account. I want them to be held accountable for and late fees, missing principal payments to my home loan. I also want them to be held accountable for any credit reporting errors on their part. I have excellent Credit History built up and I don't need it destroyed by their horrible accounting records. I have never ever had any problems with a Mortgage Company like this in 30 years of owning a home mortgage. Please hold Citizens One Mortgage accountable for their very bad records. Most of all they keep taking my money every two weeks from my bank as I have a recorded history of payments to Citizens One Mortgage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has been collecting, compiling and selling my personal information without my prior consent nor expressed permission. LexisNexis has been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my XXXX XXXX and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( XXXX ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I seek redress, compensation and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis
Product: Checking or savings account

I have received 4 emails today, supposedly from Chime bank. I will attach copies of the emails. the first email congratulated me on opening the account and said that the account was opened somewhere in the same state I live in and to click if this was not me. I did not click. The second told me I had a bonus. The third said that I had a deposit of XXXX dollars. The fourth offered me a credit card. 
Initially, I just put the first email into a spam folder. I was a bit concerned as they had my name and email, but I chose to ignore it. When I received the other 3 emails, I became concerned and looked up Chime bank. I did not use the links in the email, rather I went to their website. They had an automated response-bot ( I assume ) that said that they could escalate my concern to a technician who could help me. I was then routed to a service that would charge me {$1.00}, saying it was refundable. I did not bite as I would have had to share information. I also noticed that, by signing up for this " assistance '' I would be signed up for a {$46.00} fee. 
I am not sure if yours is the site to follow up with this, but as I did involve the actual bank, this all seems quite fishy.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that these accounts were opened without my authorization, suggesting potential identity theft. I have previously raised this issue and am now requesting the immediate removal of these unauthorized accounts from my report. 

The presence of these accounts is causing significant distress, as they do not accurately reflect my credit history or financial management. Resolving this issue has been both time-consuming and challenging. If the matter is not addressed promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. 

These erroneous items are having a serious impact on my financial goals, including purchasing a home and providing for my family. I trust that we can resolve this matter swiftly to ensure the accuracy of my credit report. 

Thank you for your immediate attention to this issue. Please let me know if further documentation is required.
Product: Checking or savings account

I had {$2700.00} transferred to my new SoFi checking account in XXXX of 2023. There was a freeze out on my account immediately. When I called to find out why, I was told that there account specialists would contact me about it. I have yet to be contacted by anyone from SoFi. I just keep getting marketing emails from them. I have continued to call and I am unable to get anyone other than a customer service representative. When I called again last month, I was told that they are closing my account due to some reason I dont understand and that they would be returning my money to the account it came from. I still have no communication or money. They have held my money without giving me any access to it or recourse. They have not reached out to me at all. Not even once. Not a single piece of mail. Only marketing emails about how great their services are.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent inquiry that appears on my credit report. I recently reviewed my credit report and noticed an fraudulent inquiry. 

Inquiry name and date is Inquiry to remove XXXX XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

someone stole my identity and got a hold of my credit report please investigate and remove these negative items
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Product: Debt collection

Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to

take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries on my Experian, and XXXX XXXX XXXX credit files. I checked my personal credit report, and noticed these inquiries had been placed on my consumer credit files. 

I request the removal of all unauthorized and outdated credit inquiries. Per the Fair Credit Reporting Act 15 USC 1681 they are in violation of the FCRA. 

Experian : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>