23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an email from JPMorgan Chase Bank , N.A . on XX/XX/year> about their Pay Over Time program for Chase credit cardholders ( see attached email ). Because of that offer, I charged my plane fare of {$940.00} to my Chase Freedom Unlimited Visa card on XX/XX/year>. When I received my statement online on XX/XX/year> and tried to pay using the Pay Over Time plan, I was denied. Please see attached notice I received on the Chase website when I tried to avail of the Pay Over Time option. When I inquired from Chase why I was not able to avail of the Pay Over Time option, their responses were not clear to me. See attached Secure Messages ( 2 ) from Chase. If I had known that I could not use the Pay Over Time plan, I would not have charged my plane ticket to my Chase Visa card. Since I did not want to pay interest on my purchase, I was forced to pay it in full before the due date, thus upsetting my budget.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There has been unauthorized and inaccurate INQUIRIES reporting on my credit file that I never requested and never applied for these accounts.
Product: Money transfer, virtual currency, or money service

My mobile app stopped working i spent hours on the phone with cash app support representative tried to assist me with trouble shooting issue over the phone without an explanation as to why my app stopped working representative had to open a ticket took several days to rectify issue which caused a tremendous inconvenience a ticket had to be escalated to the advance tech support and wouldn't provide me with an explanation as to why it didn't work
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reported inaccurately. I have one collection on my credit report that is incorrect. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments and have been paid in full and canceled Ive attached a copy of my complaints on ( XXXX ) Im now requesting you to investigate this account and update this Collection as Removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Screen shots that are attached show that their unfreeze function does not work. 

There is no way to talk with an agent. 

I tried the phone and the phone tree does not give options that match my need. 

I've attached a PDF document to show the screen shots that clearly show the problem. 

I used to be able to call, quickly talk to an agent and complete my task. I have now spent 40 minutes and I still have not completed my task. 

Sincerely.
Product: Checking or savings account

I have been going back and forth with Wells Fargo bout an account I did not open. They sent me something saying they confirmed fraud but I continue to receive correspondence and statements. I have nor have I ever had any accounts with Wells Fargo.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Both accounts opened with out my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

My account with Wells Fargo became inactive because I hadn't used it in a while. When I realized back in XXXX that they marked it as inactive, I requested to close the account and have a check mailed to me. 

They told me there was some pending things and that they were unable to close the account at this time, but that they would resolve and it would close automatically. 

A week ago I received a letter stating that they were unable to close the account, and that before they would be able to, I had to jump through numerous hoops to reactivate it, including visiting the branch that I had initially opened the account at. This branch is in another state I believe, though they did not disclose which one that would be.
Product: Checking or savings account

Yesterday, XX/XX/2023, I drove 45 minutes to the XXXX, Washington branch of Bank of America to deposit my State of Georgia XXXX XXXX check in the amount of {$7600.00}. Before depositing it, I asked the teller when the funds would be available. She told me that they would be available for debits and withdrawals the next day, XX/XX/XXXX. I explained that this was imperative that the funds be available by today. She assured me that they would be. I was further assured of this fact by the deposit slip she gave me which states clearly " Credit posts on XX/XX/2023 '' and, further, checked the app which stated that the funds were available for debits and withdrawals on XX/XX/2023. When I woke up this morning, I again checked the app and was shocked to see a new message on my deposit that stated that the check was on hold. I called in and spoke to a gentleman who told me that the funds now would not be available until XX/XX/2023! I told him that this was not right and explained what I had been told before. He offered to have a manager call me within 2 to 3 hours. I agreed to wait. No one called me after 4 hours, so I called them back. I then was talking to a woman named XXXX who stated that no one could release my funds before the XXXX. I explained the background of the situation and she stated, again, that the funds would not be available until the XXXX. I asked to speak to someone higher up who could help me and she said that no one would give me a different solution. I final was put with a woman named XXXX who regurgitated the same exact wording that my funds wouldn't be available and that it's " unfortunate '' that BOA states that funds would be available the next day because the really don't know when they will be available until the third party company processes the check. I stated that if my bank didn't know when I could have my money, that's a problem. And, that when I was told by a BOA employee and confirmed by two separate BOA methods ( my account app and the deposit slip that I received from BOA ) that my money would be available by today, I made financial commitments that could not be delayed. I explained that these commitments would have a devastating effect on my life if they were not met. No one at BOA cared. They wouldn't even discuss a partial release of funds to cover my commitments. 

This egregious behavior by BOA. The negative affects of their empty promises will cause me to lose the property that I was going to purchase. Had they been truthful, I would have taken my check to a check cashing facility and paid the hefty fee to cash it. But BOA took this option away from me by lying to me.
Product: Credit reporting or other personal consumer reports

I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXX XXXX  ( Finance ) XX/XX/year>. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries from my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Product: Debt collection

A XXXX debt collection company by the name of Portfolio Recovery Associates have filed a lawsuit against me and have negatively impacted my credit by attempting to collect debt that isnt even on my credit report and is well past the four year statute of limitations on debt collecting in Pennsylvania, most likely the debt is more that 10 years old.
Product: Payday loan, title loan, or personal loan

I have a loan with lendmark finance, this company does tile loans etc etc. Now when I took out the loan there was no hassles they even tried to come to my hse. Long story short my husband at the time was working in XXXX. Unfortunately we were a few pmnts behind. This ppl had their employees follow him and they repo my car while I was in the store it needed a flat bed to be towed which they didnt use and it caused the alignment and transfer case to get damaged and now the truck wont shift gears. We tried calling their offices and tried corporate we dnt know what else to do please help us also they refinance our acc w out our consent. And I know they did because at one point I worked for them and thats how they do it and they they say its ok we will get customer to sign later. So they find accounts that can be refinanced they refi and then later tell customers to come in and sign and say oh we can help you, you dnt have to make the next 2 pmnts all you have to do is come in and sign this form.
Product: Credit card

On XX/XX/2023, I XXXX of XXXX XXXX was billed a statement stating that I owed {$15000.00} to Chase Business Ink Credit Card. 
I am stating this as a billing error. My account is showing a positive non-negative balance which leaves me questioning how I am indeed in debt to Chase Business Ink. 
Pursuant to 15 U.S.C. 1666 ( i and ii ) you must provide proof of my indebtedness. Payment ledgers are not an acceptance of debt or proof of indebtedness per 15 U.S. Code 1692g - Validation of debts. Pursuant to 18 U.S.C. 8 the United States is the obligor of all forms of payment. 
I see that JPMChase has reported the account as Closed/Charged off to the credit bureaus which prompts me, the consumer, to request my 1099-c. Under consumer law a 1099-c is federally required to be provided to the consumer. Pursuant 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities, not providing consumer with 1099-c is a violation punishable under federal law.
Product: Bank account or service

I was XXXX for half the month and there was a hole in my wallet come find out later and I know that y atm debit was in there too not even thinking but not memorizing it as it was a newer pin. I believe I lost it somewhere around the home possibly taking y dog for a walk. I used to carry a check book in my bank account and that most likely could of fell anywereas I do find it everywhere. I have not been able to drive a truck in a month because it is broken and I dont have the money to fix it. this banking manager said three days it would be on my account. I WANT MY MONEY I DESERVE FROM GETTING INJURED IN THE MILITARY
Product: Debt collection

To Whom I t May C oncern : MRS BPO , LLC of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of MRS BPO , LLC called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my father  XXXX   XXXX   XXXX   XXXX   XXXX , an   XXXX   in  XXXX   XXXX , Florida who is more th an thirty yea rs older than I am received a call from MRS BPO , LLC, but before they could reach him ( he was seeing a patient ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was MRS BPO , LLC.     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that brok e the camel 's  back : I examine my credit card statement, and without my knowledge or consent, MRS BPO , LLC has begun charging my new   XXXX   XXXX    credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertio n in various venues for years. ( see attached screenshots  ).   These disputes have not led to any determination of responsibility. In short, MRS BPO , LLC violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
Product: Credit reporting or other personal consumer reports

Bank is : Capital One Fictitious Account XX/XX/XXXX I XXXX XXXX state that the Retail Installment Contract XXXX XXXXXXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the Capital One Auto Finance on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did Ii have knowledge of the said Collateral.

I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which may hereafter be instituted in connection with he matter of the Affidavit. 
FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX has me at a score around XXXX. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

I opened the account in XXXX and have never missed a payment I've never had a late payment. 
I have grown adult children and use this credit card to secure their college tuition. 
In XXXX I gave birth to a XXXX XXXX with a XXXXXXXX XXXX 
I had no problem making the payments even through several of her XXXX XXXXXXXX XXXX 
During the time of the covid pandemic I righteously made my payments. 
I have reached out to discover every XXXX months to XXXX XXXX  to see if there is a way to lower the interest payments I have paid over {$8000.00} in interest, each time they indicate to me that that is the card I have. 
Recently I reached back out to them Indicating that we are considering filing bankruptcy they offered me a XXXX months interest program which I accepted and completed during that. Of time I also paid {$150.00} over the minimum payment. my card is on auto pay and has been for over XXXX  years. 
Upon completing the program they told me I could not get into another program for a year they could offer me nothing more than lower interest on future purchases. 
That is not the quality standard I have if I can not make the payments on the purchases I have I'm certainly not going to be making any further purchases as I haven't there's absolutely no activity on the account and has been no activity on the account I am merely paying years of interest. 
I called discover every XXXX months to a year to see if there's any options and there is absolutely no options with them. the representative filed a complaint on my behalf as it's indicated I have diligently tried to come to an agreement with discover or a payoff or any financial offers in there isn't any the only offer they have is to go delinquent and incur more interest and have a negative XXXX XXXX and negative credit reports. 
So today XX/XX/XXXX I took my account off auto payments Recalled discover to see if there was absolutely anything I could do again the answer was no. 
My daughter is going under another XXXX XXXX and her medical is more important to me than a company that just refuses to work with you and give no options other than to negatively affect my personal and financial credit. 
I've made above and beyond payments, as indicated the interest rates begin to really go extremely high I called discover they indicated that there was nothing that they could do.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.