23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or before XX/XX/, I filed for a " Cellular Telephone Protection '' claim with Chase Card Benefit Services ( " Provider '' ), which was assigned a case number. 

Provider has intentionally made receiving my benefits byXXXX XXXX XXXX. They have intentionally ignored my requests for written explanations On XX/XX/XXXX, I called Provider as they requested, and was informed that I needed to submit " A copy of a diagnostic from an authorized service center stating what is wrong with the product and whether it is cost effective to repair it. ". Provider intentionally did not provide this information to me ahead of time, and waited until I called to provide this information. The same day, I provided the information. 

On XX/XX/XXXX, Provider demanded same information that had been already provided on XX/XX/XXXX. 

On XX/XX/XXXX, Provider requested additional information. 

On XX/XX/XXXX, I called Provider to request additional information. The information requested was the credit card used to purchase the card. That information is irrelevant to determining the benefit. The benefit does not depend on the method of purchase. 

On XX/XX/XXXX, Provider had all the information required to properly adjudicate the claim, but refused to do so. Claim remains unpaid.
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 15 USC 1681. 
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 XX/XX/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

On XXXX XXXX XXXX XXXX XXXX of XXXX stated that XXXX sent my account as verified. I asked XXXX what was done to verify my account. I asked for documents stating XXXX of this title mailed or delivered to consumer not later than 21 days before the payment due date. I asked did XXXX XXXX  provide me with tracking numbers of the periodic statements that was mailed or delivered 21 days before my payment due date. XXXX supervisor XXXX could not verify if the documents were sent. 
I also have information from credit acceptance numbers given to me by an agent of credit acceptance XXXX
Product: Credit card

I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the report of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports they are in VIOLATION! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX   XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}
Product: Credit card

I sent SYNCB/XXXX XXXXXXXX CARD notice to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed SYNCB/XXXX XXXX CARD that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with SYNCB/XXXX XXXXXXXX CARD . Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm.
Product: Checking or savings account

I have a savings account with capital one. I received a letter from capital one stating that because of a court case involving me in the state of Utah they had been instructed to garnish my account over {$1200.00}. After contacting the courthouse in Utah it took me 30 seconds to discover the problem Capital one Negligently removed the money from my account rather than from someone else with the same name. The courthouse was able to verify for me that the Social Security numbers did not match, the birthdates did not match, nor did the state of residency. I have reached out to capital one and tried to fix this issue, but they still have not yet returned my money to me.
Product: Mortgage

my money is not being applied to my loan or escrow account. i am missing XXXX $ that was paid. False reports are being filed on my credit report. i have paid {$60000.00} in a few months and somehow my escrow is negative. 

Since before my loan was sold to Select portfolio servicing it has been a nightmare for several months i was unsure which company to pay. i was paying XXXX companies at the same time to keep my credit safe. SPS has been back dating and changing statements every month. 

they also have refused to issue my information or any documents to me as well. 

i have recently received a deficiency letter with my escrow account which I'm not sure how since i am up to date on my payments.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I called Chase Auto Finance on XXXX XXXX, 2016 to get the payoff amount and to begin the process of purchasing my XXXX. The lease ended on XXXX XXXX, 2016. I was told that I needed to call back in 48 hours to get the final payment amount. I called back and was told the Lease End Vehicle Remarketing Department had not sent the payoff amount to the Lease Department. On XXXX XXXX, I called again and the Lease Department requested the payoff amount to be sent to them. The payoff amount I was quoted included a fee because I had requested the payoff after the end of the lease. This was not true as I had initially requested the payoff amount on XXXX XXXX. After working with a supervisor, they reduced the payoff amount so that I did not have to pay the late fee. On XXXX XXXX, the automatic monthly lease payment was taken out of my bank account. This was after I had requested the end of lease purchasing agreement and submitted the payoff amount. I called Chase Auto Finance and was given two different reasons as to why the monthly payment was taken out. First I was told that I needed to access my online lease account and cancel the monthly lease payments. I am concerned that Chase Auto Finance continued to take payments out of my bank account after the end of the lease. During a phone conversation with a supervisor on XXXX XXXX, I was told it is the responsibility of the consumer to cancel those payments on their end. I was never told that I needed to cancel the payments and can not find anything in the lease agreement directing me to do this. Next I was told that the Lease Department had not yet released the title to my car because the check I submitted to purchase the car was short. The check I sent Chase Auto Fiance was the amount that I was quoted by their Leasing Department and is documented in a letter e-mailed to me.
Product: Student loan

I have a Consolidation Loan that is serviced by AES. The loan has a subsidized portion and an unsubsidized portion. I am ahead on my monthly payments. I usually make monthly payments of {$460.00} in the middle of the month. Prior XX/XX/2022, AES would apply my monthly payment to both the subsidized and unsubsidized portions of the Consolidation Loan. However, starting XX/XX/2022, AES now only applies my monthly payments to the unsubsidized portion. On XX/XX/2022, I called AES because I noticed that the new method of applying my payments is resulting in a much smaller portion of each payment going toward principal and a much larger portion of each payment going toward interest. I spoke with a customer service representative ( XXXX # XXXX ) who acknowledged the issue and agreed to put in a request to have the allocations from XX/XX/2022 reversed and reapplied using the old method. She also told me that, in order to avoid this from happening again, I could email AES with " standing payment instructions '' to apply my payments the way they were applied prior to XX/XX/2022. I followed her suggestion and emailed AES. AES emailed me back saying I needed to " submit detailed instructions ''. ( An email string showing my email to AES and AES 's response is attached. ) I don't know how to make my instructions any more detailed than the ones that were contained in my original email.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account # XXXXXXXX XXXX XXXX. Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a parking collection notice for parking tickets at XXXX XXXX XXXX after I had already responded to XXXX stating I was not a student there and was a commuter parking legally. 
I then received a collection notice from Alliance One Resources Management Inc. in XXXX ' 2015 which I also responded within XXXX days to dispute claim. 
I received final result of dispute early XXXX and attempted to pay Alliance on XXXX XXXX but the male ( refused to give name ) stated I had no debt under my name or social security number. I called school to verify parking tickets and paid Alliance over phone on XXXX XXXX under my vehicle license plate since the male at Alliance previously stated I had nothing under my name or social. 
This was reported to credit report as in collections from Alliance when XXXX days had never passed without item being in dispute. 
This was reported as collection as of XXXX ' 2015 while the charge was still in dispute until XXXX 2015. 
When I initially called Alliance they stated I had no bill to pay. 
Upon checking my credit report I found a collection after I had paid Alliance on my XXXX attempt. 
This collection item was not on my credit file until XXXX after I paid my bill that had just finished the dispute process. 

The male I spoke to at Alliance One Resources Management Inc. in XXXX XXXX was very unprofessional and I believe this may have been done as retaliation for me hanging up on him after paying my bill and being XXXX with him as he was so rude on the phone.
Product: Vehicle loan or lease

I am writing to inform you that I recently discovered an auto loan was opened in my name without my consent. I was shocked and dismayed to learn of this fraudulent activity, as I did not authorize any such loan to be taken out in my name. 

I have taken all necessary steps to safeguard my personal information and prevent identity theft, yet somehow someone was able to obtain a loan using my name and information. This is a clear violation of my privacy and has caused me significant stress and inconvenience. 

I request that you investigate this matter immediately and take appropriate action to rectify the situation. I request that the fraudulent loan be cancelled and removed from my credit report. I also request that you provide me with any information you have regarding the individual responsible for this fraudulent activity. 

I trust that you will take this matter seriously and work diligently to resolve it in a timely manner. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX in XXXX VA to do a trading of a XXXX Elantra that he bought in XXXX XXXX. My husband previously spoke on the phone with the same seller who sold him the Elantra and made him clear That he wanted to have a payment that was not higher than the one he was already doing. My husband decided for a Santa Fe XXXX and when starting with the transaction, the seller told my husband that as his credit score was very low, he did not qualify for financing and I was not working ; Nor could it be done in my name. Then it was decided to make a lease and they asked me to serve as co-signer and they asked me to fill out a sheet to verify my credit. I signed the document although I did not understand much English ( I speak Spanish because I am from PR ) and the transaction was approved. We signed the contract with XXXX XXXX XXXX and signed the documents as Co-signer and left the dealer with the car. After several days, we received a call from XXXX XXXX again to tell us that the contract had gone astray and that we needed to go through the dealer again to sign. When we went, XXXX XXXX told us that there were no changes, that was just signing the same and then I came back to say as Co-signer. To my surprise, a few days later two transactions appeared in my credit history that I had started a purchase of a car in my name. I checked with the dealer and they said no, that only one transaction had been made. Now I have just received a report that the day after the purchase, a credit application was made again at my name for the same vehicle. I started to investigate with Hyundai Finance and it turns out that the dealer put me as the person who was buying a car, and now I appear as de Primary- signer. I will like you to investigate this as a fraud because two weeks later my husband told me he wanted a divorce.
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 card

Since about a year after I bought this house, I 've been getting these letters from a collection agency, saying that I owe them money. I 've never heard of this 'original creditor'- XXXX XXXX Bank XXXX They keep adding interest to it, too! I 've never heard of these people! It 's now up to {$20000.00}. Why would I want to pay a creditor money that, as far as I know, I 've never heard of, or done business with! If this were possibly a legitimate, then I think that someone has used my identity without my knowledge in the past! This does not show up in my credit report, either! I 'll enclose their recent letter with this online letter to you.
Product: Mortgage

Payment lost not credited to my account after 22 phone calls and 3 faxes of checks that cleared my bank front and back copies they finally credited my account but interest dates incorrect. I have paid off loan but bank sent me much less than what I was due. Called bank and they said the account was closed and did not care about incorrect interest charges. 
XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Secondary address XXXX XXXX XXXX XXXX Ks XXXX
Product: Credit reporting or other personal consumer reports

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. XXXX was reported and removed by XXXX several months ago and they have recently reappeared as " XXXX XXXX XXXX '' and after several correspondence they have yet fixed and/or removed it even after they have done an investigation. This following account has interfered with my rights and must be removed in accordance with the fair credit reporting act .. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the last week of XX/XX/2020 I called a XXXX XXXX and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was infected with Covid 19 and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from Experian and it read that I received an negative mark on my credit report. I have tried multiple times calling XXXX XXXX to correct this mistake with no avail. All I asking for is XXXX XXXX to remove the negative remark on my credit report. 

Thank You.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX