23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Nissan Motors I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete account reporting on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Product: Checking or savings account

I opened an online bank account with ALLY BANK. Yesterday ( XX/XX/XXXX  ), for some unknown reason, ALLY BANK has locked my account citing only " suspicious activity. '' I've called ALLY BANK 7 times asking why my account was locked and they will not tell me what this alleged " suspicious activity '' is or was. I asked them when my account will be unlocked and they said there is no time limit. 

I have never had this happen to me before. Can someone please advise me on what to do? This can not possibly be legal. They can not be able to just lock my account for no reason and with no time limit to fix it.
Product: Credit card or prepaid card

I made the mistake of responding to a pop-up offering a watch for the price of shipping and handling, and saying I would be billed for the watch but that it would be worth lots more than the amount I would be billed. 

The watch arrived but was worth less than {$20.00} and I was billed {$98.00}. Icould n't reach the merchant -- and was billed another {$98.00} thefolowing month.

VISA advised that I had been scammed and thqat the monthly charges would continue until they cancelled the card -- which they did.

I was then contact by a person claiming to represent VISA asking my permission of add the two {$98.00} charge to the new card, along with the shipping charge. I protested that it had been fraudulent. She said that because I had given them the credit card number I was responsible under contract law, even as she acknowledged the worthlessness of the watch. I said that I didn't want to affect my credit rating adversely and would agree on on that basis. I called back the following day to say I had changed my mind because her recitation of contract law was incorrect and that I disputed the charge. She said it was too late to change my mind and that I could appeal if I wished.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EQUIFAX IS GOVERNED BY 15 USC 1681, AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW, BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681, I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN OR VERBAL PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I logged into my Chase banking account to manage my finances. I noticed one of my two checking accounts balances seemed low so I double-checked the transactions. In doing so, I see 2 Quickpay with XXXX transactions on XX/XX/2019, one for {$1000.00} and the other for {$530.00}. I have never seen the names the money went to so I immediately called Chase customer service to report the fraud. They recommended me to visit a branch in-person to close the account. I immediately go to a branch to close my checking account that I had for 20 years and open a new one, to prevent any further fraudulent activity. Chase informed me that while they investigated they would temporarily reimburse the lost money. 

On XX/XX/2019 I received a letter dated XX/XX/2019 that Chase had completed their investigation and has found that the transactions were processed correctly or was authorized. Also that the funds that they had initially reimbursed me would be removed on XX/XX/2019. I immediately call the number listed on the letter in which the person I spoke with recommended I visit a branch instead. I return to the same branch near my house to dispute the letter. I go over the issue with the Assistant Branch Manager and she escalates the case with Chase Fraud Department. I asked Chase for the information that was used to determine my case and was told that they could not give that to me although in the letter, it specifically says that I could request it. Instead I was advised to take screenshots of my phone and laptop ip addresses and to email them to Chase Fraud Dept. The Asst. BM lets me know that it will take a few days for them to review the case but reassures me that she will keep me updated. 

On XX/XX/2019, Chase withdraws the funds as was indicated on the letter and I call the Asst. Branch manager to re-inquire about the status of my case. She lets me know that while they reopened the case, it was not possible to postpone the withdrawal and that currently the escalated case was still under investigation. She mentioned she would get back to me within another week to give me another update. 

As of today, XX/XX/2019, Chase has withdrawn funds from my account in the amount of {$1500.00} that was never authorized by me. Currently I am still waiting for an update and have reached out a few times by phone and email. I have not heard anything. 

I have been a loyal Chase customer for 20 years with 2 checking accounts and approximately 6 Chase credit cards. I requested them to review my usage habits as I believe it is quite evident in my behavior and reiterated that the 2 transactions were fraud. Absolutely incomprehensible that Chase would allow this kind of fraud to occur and then turn around and make me responsible for it. I will definitely rethink who I bank with if this is how Chase resolves their issues.
Product: Credit card or prepaid card

Bank said they will issue temporary credit XXXX $ at XX/XX/2022 ( they never did ) I won a fraud claim but bank didn't return the fraud money XX/XX/2022 ( it's still in my statement ) Bank Added 8 more charges under the name Fraud Dispute and it's ok ( but the problem is that the charges they added are still in the statement so now I own them more money it's a duplicate ) Tried speaking to Fraud Department 2 times at XX/XX/XXXX but the first one did get what's going on and told me the only way to resolve this is me calling each merchant one buy one then dropped the call. 
The second one said she'll reopen the case and she said she will add heavy notes but the problem is that since this fiasco started that's all they tell me and nothing really happens. Im waiting for her to reopen the case but it seems like she ran away too. 

I have no idea what to do now. If you check the account including all my payments bank of America actually owes me XXXX $ + but then now I owe them XXXX $ it's insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNC/WALMART Account was directly disputed for incorrect information ( synchrony ). It was " resolved '' by further inaccurate reporting to credit bureaus, re-aging account on XXXX  ( account was closed XX/XX/XXXX ) and showing payments and delinquent payments all the way to XX/XX/XXXX. Old delinquent payments were, in effect, pushed forward making it appear that delinquent payments were made in XXXX and XXXX, decreasing my credit score. XXXX, XXXX  and XXXX are not matching information.
Product: Debt collection

XX/XX/3019. I got another call from XXXX, I recognize it as they have called periodically over the last 3-6 months. Every time I tell them they have the wrong number and they say they will remove it and never do. Yesterday, I got a call, it rang 3x and hung up, I called it back and they asked for my ex-wife again. I have been divorced for many years and don't want to hear the name. They don't care. This date I got a clown calling himself XXXX XXXX, the manager. I had to threaten to file this complaint to get him to the phone after 4 tries and claims that he is tooooo busy. I got him and he again said they would remove the number. 
I am familiar with contacting third parties after they have been advised to stop and this is a violation under the FDCPA and UDAAP. Each violation carries a maximum of {$1000.00}.  per violation. 
I want Convergent to leave me alone. They obviously just purchased another horrible portfolio, ( probably Bankrupt accounts as she filed for bankruptcy. They are famous for buying bankrupt and probate files to harass others. 
I called the number which is not listed and spoke to XXXX XXXX and dhe refused to share the address the agancy is located ; yet another violation. 
These people need an audit, I know for a fact that they have training but they sure do not apply the laws
Product: Debt collection

I was first called by Anfi in regards to owing some sort of debt due to a car accident. The total stating to be {$1500.00} USD. Not only did the man not listen to me over the phone when I was trying to communicate with them but he told me that he would report me and take legal actions. He also told me that only my insurance company could dispute a debt. Which I know is not true. This happened around XXXX of XXXX. I decided to no longer communicate over the phone and send everything through certified mail. I requested proof of the debt along with proof of other information, which I will be attaching below. This letter was sent XX/XX/XXXX. Once I actually did receive a response the only thing that was attached was an estimate. Not even any kind of receipt or proof that I specifically owe that debt. On this packet was a new amount apparently that I owed. This new total was listed at {$3000.00} USD. Why they would tell me I owe almost double what they originally claimed I owed and then not even show any proof of where this is coming from was a total shock to me. I then sent another verification of debt letter in the attempts to identify where this was coming from and why I owe them any money. Not only did they not send any information again, the only piece of mail I received from them was supposedly a discounted offer which they listed at {$1500.00} USD. Not even a settlement of any kind just some sort of discounted offer. This was sent from them on XX/XX/XXXX. I do not owe this amount and they refuse to provide anything Ive asked for.
Product: Credit reporting or other personal consumer reports

The credit bureaus, XXXX XXXX and Equifax has refused to provide any documentation regarding these accounts which arent mine I was affected by the Equifax XXXX XXXX XXXX XXXX  data breach- someone has been using my information I have a placed a fraud alert on my critter reports. the bureaus are still allowing accounts to be open without notifying me with the password. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

RE : Home Depot / Citi Bank Card I had a limit of {$18000.00} with a balance of only {$10000.00}. I have paid on this with Autopay and have maintained 100 % positive payment history with this and ALL my credit cards. I recently paid off about {$25000.00} on other accounts and then recently opened an account for my home air conditioning with XXXX XXXX for {$15000.00}. So my overall debt has come down since I opened this account and have maintained 100 % positive payments on all my credit accounts. I have also had my income increase since opening the Home Depot account. On XX/XX/2020 Citi Bank system ran a report that noticed the recent addition of the XXXX XXXX account and they decided to reduce my credit line by {$8000.00}. This adversely impacts my debt to credit ratio hurting my overall credit score. Citi Bank did not really care and offered no way to correct this. In addition the supervisor did not have any information to provide me on their OCC auditor or any contact information for their compliance office and told me I had to write into this address to get anymore information : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The agents badge number I spoke to was : XXXX Citi Bank has hurt my credit even though I maintained my end of the agreement and have a 100 % positive payment history. 

Stay away from Citi Bank and Home Depot!!!!
Product: Checking or savings account

Chime closed my account on XX/XX/2022 with no explanation. I have tried to contact them and they won't give me any anwaers as to why. I had a credit builder card with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting Equifax shows reporting on time payments XXXX Show no reporting Demand account deletion on Equifax and blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I need a clarification regarding an international wire transfer I requested on XX/XX/XXXX. In that opportunity I asked, via web, to wire to another account I have in XXXX, an amount of XXXX US . Bank of America collected XXXX $ as fee for the operation and warned that the bank receiving the money might charge XXXX US $ for concept of fees. 

It just happen that the bank in XXXX claims that they only received US {$9900.00} instead of the {$10000.00}, and then they have charged me with 0.6 % fees. I am attaching the swift of the operation for your review. I need from you, information regarding the amount highlighted in yellow, where this money was taken? In US? Is it at Bank of America cloud? If  that is the case, please ask for its devolution to my account in Bank of America. 

I really appreciate clarification of the operation. 

Here I am attaching the swift provided by the bank in XXXX XXXX : { 1 : XXXX } { XXXX : XXXX } { 3 : { XXXX } { XXXX } { XXXX } } { 4 : XXXX XXXX : CRED XXXX, XXXX : XXXX, XXXX : XXXX RRR MMMMMMM YYYYYY PPPPP RRR XXXX TX XXXX US XXXX : XXXX XXXX : XXXX XXXX MMMMMM XXXX XXXX, LLL CCCCCC XXXX XXXX CL XXXX : XXXX POP Family Sup port XXXX : SHA XXXX : XXXX, XXXX : XXXX, - } { XXXX : { XXXX } { XXXX } } { S : { SAC : } { COP : XXXX } }
Product: Credit reporting, credit repair services, or other personal consumer reports

I call and mail Experian to remove this account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting on my credit profile is fraudulent and doesn't belong to me per the following : Experian : XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} account number : XXXX Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.
Product: Credit card

My One Main Financial XXXX credit card is lost/stolen and has fraudulent transactions on my account. I want One Main Financial to immediately close the credit card account and send me another XXXX credit card account with a new account number and my credit limit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting

I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.
Product: Mortgage

My loan is owned by XXXX XXXX and when I ask my mortgage servicer for covid-19 forbearance, PNC said they don't have to follow the federal guidelines and offer mortgage modification. per the federal guideline, I should be able to wave my payment for 6 months without penalty or credit hits
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, Equifax, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with Equifax, and XX/XX/XXXX with XXXX. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to Equifax but failed to provide any record for the same date on XXXX and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to Equifax but XXXX this information from XXXX and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for Equifax XXXX while indicating XXXX percent for XXXX AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Debt collection

I am currently getting a {$770.00} bill when my insurance clearly told I am suppose to be paying XXXX this lab test was part of my physical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of validation, method of verification, and proof on conjoined contract for the attached accounts from all 3 credit bureaus on XX/XX/2023, XX/XX/2023, & XX/XX/2023. These statuses are showing Account not disputed. This is inaccurate and negligent in investigation processes. Under the FCRA guidelines, this is a violation. You are allowed 30 days for investigation with was not adhered to 3 times. 
I never received any type of validation, notification of said investigation, or proof of method of verification. 

According to the bureaus reporting, it looks like I never disputed these account. But I have 3 times.