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

I called chase bank multiple times, tried to access it online, and went into the bank on XX/XX/XXXX to request all of my bank statements for XXXX of my accounts from when my account open back in XX/XX/XXXX. I was told they can only go back 7 years. That is very unfair and misleading to me as a consumer to be told I can not access my statements from the day my account opened because they refuse to provide them to me. I dont understand why they are refusing to provide me statements I have a right to request and access.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as TransUnion, I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which TransUnion is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which TransUnion are not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.
Product: Debt collection

I am writing to bring to your attention the unjust treatment I have experienced with regards to my tenancy at XXXX XXXX in XXXX XXXX XXXX, Florida. I believe it is crucial to share my story with you, as I trust that you will empathize with the challenges I have faced during these unprecedented times. 

As an essential worker during the height of the COVID-19 pandemic, I proudly served as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, the ongoing crisis presented numerous financial hardships for me and many others. Despite my dedication to my job, I found myself unable to afford the cost of living at my residence. 

In the midst of these financial difficulties, a new opportunity arose for me in another state, one that held the potential to offer me greater stability and security. Relocating became a necessity, as it offered a chance to secure better financial prospects for myself as well as ensure a sustainable future. 

I approached the leasing office at XXXX XXXX with utmost sincerity, explaining the monumental significance of this opportunity for me. I repeatedly requested their understanding and any form of leniency with regards to breaking my lease. However, despite my plea and the extenuating circumstances I presented, the leasing office remained unyielding in their stance. 

To my disbelief, I now find myself burdened with a debt of {$2300.00}, which has been sent to collections with Sentry Credit. The implications of this debt extend far beyond the mere financial strain ; it has adversely affected my credit score, limiting my ability to secure future rental accommodations and undermining my financial stability. 

I am deeply troubled by this situation, as it stands in stark contrast to the relief and assistance being offered amidst the ongoing pandemic. Numerous organizations and individuals have shown compassion and flexibility, adjusting policies to accommodate the challenges faced by individuals like myself. It is disheartening that XXXXXXXX XXXX  has chosen not to extend the same level of understanding in my case. 

I kindly request your intervention in this matter. Given my role as an essential worker, the sacrifices I made, and the consequences that have unfolded during the course of this pandemic, I believe it is only fair to be granted a measure of empathy and leniency by XXXX XXXX. 

I humbly implore you to investigate this situation further and facilitate a fair resolution. It is my sincerest hope that XXXXXXXX XXXX will reconsider their decision and work towards a mutually beneficial outcome. 

Thank you for your attention and anticipated support in rectifying this unjust situation. I eagerly await your response and hope for a positive resolution that upholds fairness and compassion during these trying times. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans?
Product: Student loan

Received an email on XX/XX/XXXX from the department of education indicating I missed a payment with my service provider Mohela, which I have not missed any payments at any time while engaged with Mohela. I'm also XXXX payments into my PSLF, and Mohela indicated that my XX/XX/XXXX payment was not eligible for counting towards my PSLF, as they cited absolutely no reason, whereas my PSLF employment verification form that took nearly 5 months to process shows that My payments qualified during XXXX, XXXX and XX/XX/XXXX, however there has been no change in my employment or repayment status. I have not missed any payments with Mohela, and they also claim that I have a pending payment transaction for XXXX $ processing on XX/XX/XXXX, however today is XX/XX/XXXX and this worries me as it appears to be possible fraud. Mohela provides me very little correspondence, however I do have recorded conversations with their representatives that indicate these concerns, although Mohela does not provide any written disclosures of these contacts, and in which they do not do the things they claim via the phone to resolve the issue, and there is no documentation from them indicating they have engaged in any of my requests, which they have acknowledged fault of. Contacted my student loan servicer Mohela XX/XX/XXXX to inquire about returning to payment XX/XX/XXXX with my income driven repayment plan ( SAVE ). As of my knowledge in XX/XX/XXXX I logged into my Mohela account and my payment due was double that it was supposed to be under the IDR ( Save ) agreement. Approximately went from XXXX $ to XXXX $ without any notice, correspondence or reason as to such. Contacted MOHELA XX/XX/XXXX to ask about my PSLF Employment Certification which I submitted in XXXX of XXXX, and was effectively discussed 90 days later from that initial submission as it was marked as a " duplicate form. '' Customer representative on XX/XX/XXXX ( have recorded phone call, ) indicated that these types of errors, " just happen, '' and further advise me to submit an additional PSLF Employment Certification Form, of which I already had after looking at my account and seeing that Mohela completely dismissed my initial PSLF. I submitted another manual PSLF in XXXX, had in signed by my government employer, and it has been nearly 90 days and the form is still " processing. '' I have never received any billing statement correspondence from MOHELA either through the mail or electronic means ( email, secure messaging, etc. ) I was told my refund for XXXX and XXXX refunds due to their negligence as imposed by the department of Education would take 60 days, however there is no written correspondence to indicate this actually happened, only a customer service representative whom claimed she processed it on XX/XX/XXXX. I'm very troubled by the lack of transparency, inability to resolve my concerns, and the undertaking and time I have essentially wasted engaging in issues that should not exist in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that I request that XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX formally substantiate account data XXXX XXXX XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified accounts. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period.
Product: Debt collection

Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.
Product: Debt or credit management

In XX/XX/year>, our nonprofit organization, which had been approved for the XXXX XXXX XXXX program providing {$10000.00} per month in ad credits, received a debt collection notice from a collection agency affiliated with XXXX. This notice claimed an outstanding balance of {$44.00} on a XXXX Ads account that we had not activated or used, as we were still awaiting instructions from XXXX on how to utilize the grant effectively. 

Upon receiving the notice, we attempted to resolve the issue by contacting XXXX multiple times throughout XX/XX/year>. Despite these efforts, we received no responses or assistance in clarifying the reason behind the alleged charges or the process of activating our grant. This lack of communication and support from XXXX has left us unable to address or understand the claimed debt, which we believe to be erroneous given our non-use of the service and our eligibility for the XXXX XXXX. 

The collection notice incorrectly listed an address that is not associated with our current operations, adding further confusion and concern over the legitimacy of the debt claim. We suspect this may be an administrative error on XXXX part, yet without direct communication, we can not confirm this or rectify the situation. 

We seek a thorough investigation into this matter to understand the basis of the debt collection and to ensure fair and transparent billing practices are upheld, particularly in relation to nonprofit organizations participating in XXXX 's XXXX XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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.
Product: Credit card

Subject : Dispute of {$230.00} Charge on Closed Account Ending in XXXX I am writing to formally dispute a recent {$230.00} charge on my Sephora Visa Credit Card account ending in XXXX. My last payment of {$540.00} was made in full on XX/XX/scrub> 2024. Despite this, I noticed a {$26.00} charge on my account the following month, which was unexpected given that the previous month 's balance had been fully paid.

Upon contacting customer service, I was informed that this charge was a late fee for not paying the {$540.00} by XX/XX/scrub> 2024. I requested to pay any outstanding late fees and close the account to avoid further charges. Although the representative suggested keeping the account open to have the late fees removed, I preferred to close the account to avoid ongoing fees. The representative confirmed that my only outstanding balance was {$26.00}, which I paid promptly, and I was assured that the account was closed.

However, I have since received calls and letters indicating a {$230.00} late fee on this closed account, which I believed had been paid off in full. I have previously sent a letter to the company seeking clarification, but the issue remains unresolved and I am still being charged.

Please review this situation and provide assistance in resolving this matter. I would appreciate your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of ED/XXXX acct # 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 card or prepaid card

I have just a Wayfair company card and have not used it for over a year. I made a purchase on XXXX on my store CC. 
Then on XX/XX/XXXX and again on XX/XX/XXXX I received emails about the Wayfair XXXX I requested to be opened. 
I was very surprised at these emails because I never made any requests. 
CITI will not help with any investigation, they have no clue what is going on, they transfer me to departments that are closed, hang up on me and want me to give them my social security number!!! They refuse to do anything unless I give them my full SSN. I find this incredibly insane since I was able to purchase a {$400.00} chair with no CC # and without my SS #, but now when I need help because they have caused a fraudulent situation they will not help at all! 
Im sure Im not the only one whos information has been compromised by this poor excuse for a company, they are putting people at risk daily!
Product: Credit reporting or other personal consumer reports

You were recently notified that all Power of Attorney, Consent and Security Interest you were given on behalf of the Principal is now revoked. This means that you are no longer allowed to utilize any information relating to the Principal, including but not limited to, sharing, compiling, selling and acting on behalf of the Principal in anyway.

Keep in mind, that using a person 's nonpublic personal information without consent is a criminal act known as identity theft. if you would like more information regarding the use of unauthorized use of a person 's information, you can find it codified in 18 U.S. Code 1028.

Navy Federal Credit Union is hereby instructed that you must immediately cease using any information related to the principal. It is required that you reply to this notice confirming that you have received this notice and have complied with the instructions within five business days.
Product: Credit card

RE : XXXX and Chase Bank Transaction Date : XX/XX/year> Amount Paid : {$560.00} Payment Method : Credit Card I am writing to file a formal complaint regarding a recent purchase I made through XXXX. Despite selecting a 12-month no-interest installment plan at checkout and receiving an invoice confirming this agreement, my credit card was charged in full by XXXX and Chase Bank . 

I contacted both XXXX and Chase Bank, but each pointed the finger at the other, leaving me stuck in the middle with no resolution. I only made the purchase because the installment option was available. The item in question is a XXXX XXXX for my XXXX mother. Despite needing the lift, had I known the payment would be required in full upfront, I would not have made the purchase. 

This is a significant amount of money, and I feel I was misled. I am seeking your assistance in resolving this matter by ensuring the installment plan is honored as originally agreed upon or by issuing a full refund if this can not be arranged.
Product: Credit reporting or other personal consumer reports

looking through my credit report i saw that wellsfargodealersvcs gained unauthorized access to my credit report on XX/XX/2023 this cause a dent on my credit report. this is a violation 15usc1681n
Product: Credit reporting

I have requested that all XXXX credit companies Equifax , XXXX, and XXXX XXXX to remove any and all items related to my ex husband. Also have asked to remove negative items and incorrect personal info. They have not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting

My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting agencies.
Product: Payday loan, title loan, or personal loan

I have constantly been in communication with the company about what day I would be making my payment but they keep calling me and my job harassing me stating that they will not be able to hold the loan. For my XX/XX/2020 payment, I explained to several of the reps that I would be making the payment on XX/XX/XXXX. However, each rudely told me that that was not acceptable and they could not notate my acct unless I came in person and sought out other avenues. The reps continued to call harassing me and my job up until Thursday, XX/XX/XXXX. I told the rep on that day that since they could not respect and honor my commitment to make my payment on the XXXX, that I will not be making the payment on the XXXX due to the harassment. I even spoke with the manager XXXX and the same rude unprofessional comment ensued. She states that they do not accept and honor scheduled payment dates over the phone. I told her that I will make the past due payment on XX/XX/XXXX and if they continued to harass me up until that point, I will continue to withhold payment. This is a ruthless, unprofessional group of sharks that are out for blood and is not willing to respect their customers and the dates that they are able to pay. They continue to call and harass, which is unacceptable. I do not ignore their calls and when I say I'm going to pay. I want the constant harassment to STOP!!!!
Product: Money transfer, virtual currency, or money service

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO WITHDRAW MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN TAKE THE MONEY OUT.  THEY TOLD ME  AFTER 180 DAYS I WILL BE ABLE TO WITHDRAW BUT THAT  IS NOT TRU , NO I AM STILL WAITING FROM MORE THAM 260 DAYS AND THEY DONT WANT GIVE ME  THE MONEY.

MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  
PayPal IS NOT COMPLYING WITH WHAT YOU SET IN YOUR OWN POLICIES.  NOW THEY'RE THIEVES. THEY OFFER YOU A SERVICE AND WHEN YOU USE IT THEY BLOCK YOUR ACCOUNTS AND SAY THAT THE TERMS AND CONDITIONS HAVE BEEN VIOLATED BUT NEVER SPECIFY AND DO NOT TELL YOU THAT TERMS HAVE BEEN VIOLATED. THE TRUTH IS, THEY DO THIS TO STEAL THE MONEY.
I NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  
THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY WITHOUT REASON .

THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE .

I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON .

PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REASON I AM FILE A REPORT HERE.

PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE  COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE.
SEE THE PROOF ,   ALL PICTURE.
MY EMAIL IS,                                  XXXX

PAYPAL JUST HOLD MONEY AND THAT IS A CRIME .