23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i have a chase checking account and i call to check my balance and ask why my account became inactive and also i request for assistence to get enroll in onlinebanking
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition solicited my personal I formation to place negative marks on my credit report and profit. " XXXX XXXX ''! 
15 USC 1692k 17 USC 107
Product: Mortgage

I have tried several times, unsuccessfully, to have PMI removed as a requirement for our mortgage. My last complaint was responded to with the following : 'According to the terms of the mortgage loan, the Mortgage Insurance Premium ( MIP ) is due for the life of the loan and can not be waived. ' Per the PMI Cancellation act, it is prohibited to require PMI for the life of the loan. I have provided AmeriCU with a recent appraisal showing that we are easily below 80 % LTV. 

Refinancing at this time with rates so high is prohibitive as we currently have a 3.125 % interest rate on our mortgage. 

I have attached AmeriCU 's original response as well as a copy of the current appraisal.
Product: Credit card or prepaid card

In XX/XX/2018, I sent a payment to Chase for {$100.00} before a statement was sent to me as this is a very new account just opened. I placed my name, address, first and last four numbers of the new account on the money order as well as enclosing a copy of the new credit card with the entire number. Unfortunately, my payment was placed on another person 's account. After calling and calling to check on this payment, the payment was found and finally credited to my own account. Then the next time I called Chase to check this payment status, I was advised that my address that I gave was not my address because another address was on this brand new account. This was not true, the address I submitted on the new account is the same as my current address. Lastly, it appears that I was charged twice for a XXXX XXXX membership on my XXXX XXXX Chase Credit Card and on my XXXX in store account. Thus, I requested this refund of {$13.00} for the XXXX membership. As a result of all of these errors I reported this to the Executive Office of Chase Card Services who initially refused to call me back after the initial request to investigate these issues and was told that a credit of {$13.00} was being placed on my account for the inconveniences. However, the {$13.00} credit is not for the inconveniences but for the dispute in process. The Executive in the Corporate Office of Chase would not transfer the call to her superior or allow me to leave a voice mail message. Mistakes are being made on my account over and over within such a short period of time and the contact person does not wish to credit my account for the events that are unacceptable. I have spent hours and hours attempting to correct these mistakes and requested only a {$50.00} credit for my time and assurance that these errors would stop.
Product: Checking or savings account

How can you notify customers a whole day later who are waiting on their direct deposit! And now, sitting here more than 2 days later no money low gas returned payments and CAPITAL ONE turned their PHONES AND CHAT OFF!!!!
Product: Credit reporting

In addition to complaint ending XXXX, I have XXXX other accounts that are with XXXX XXXX XXXX XXXX that I am current on that are showing XXXX60 days late. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX : XXXX I reject your offer to contract. I have not given my lawful authority for any nonaffiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file suit for intentional infliction of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my instructions.

written 15 USC 1666B : A creditor may no XXXX  treat a payment on a credit card account under an open er consumer credit plan as XXXX XXXX XXXX and purpose.
Product: Credit card or prepaid card

I contacted XXXXXXXX XXXX customer service on several occasions spanning a few months and had asked for a reduction in fees and interest due to a temporary hardship which at one point it was stated it would be done and it never was. Customer service refused to fix anything, reported my account as delinquent and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my XXXX and Experian credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the credit acceptance and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX main was reported to be removed off my credit report by experian now its listed as remains. Also XXXX XXXX  with their incorrect information on my credit report is stopping me from getting a vehicle something i desperately need. Life asset have no idea. XXXX XXXX knew they got paid & XXXX  was supposed to pay to remaining balance. XXXX XXXX XXXX I asked for original contract. Never sent it
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have discovered unauthorized accounts and inquiries that are the result of identity theft.

These accounts and inquiries were not initiated or authorized by me and therefore they do not reflect my true financial history or activity.

Under the fair credit reporting act section 695b and 15 us code 1681c2 I am entitled to request the removal of any inaccurate or fraudulent information from my credit report.

I am requesting that you remove these accounts and inquiries within 4 days from my credit report asap. 

Enclosed is copies of the relevant section of consumer law and supporting document of my identity. Provide updated of removal info as stated by law within 4 days. for the following account XXXX  account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX  XXXX account number XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX Account XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 C-2 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 IDENTITY THEFT, not LATER than 4 Business DAYS after the date of receipt by the agency. I have attached A copy of my FTC Report A copy of my ID This statement which contains the identity theft info.

In addition the information to block was not made in error by me the consumer, The block requested is NOT basis of a material misrepresentation of fact by me the consumer relevant to request to block, I the consumer did not obtain possession of goods, services or money. Please remove within 4 days or I will ; have to take further action by law as this is my 2nd request!!!!!!
Product: Credit reporting or other personal consumer reports

Hello I Recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent account ruined my credit score. 
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 reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX  in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I received a phone call from someone claiming to be a representative of my bank, Bank of America. They stated my debit card information was used in various fraudulent activity. As a result of this phone call, my bank accounts and credit card were used in 3 fraud transactions. A wire transfer was completed, a cash advance was taken out against my credit card and a zelle payment was processed from my checking account. After dealing with this scammer, I found out he was in fact not a bank representative as I received a phone call from my actual bank due to the various transactions that were occurring. I filed claims on the 3 transactions that day. I received money back on the zelle transfer that occurred almost right away. After speaking with my bank for consecutive days in a row for over a week to ensure everything was taken care of, I discovered later everything was in fact not taken care of. I called about a month later to find out that one of my claims ( the cash advance that was taken against my credit card ) was never filed even though I was assured by numerous representatives that it was. Almost 2 months later I received a letter stating that my claim for the large wire transfer was not approved. The only explanation in the letter was that the money could not be recovered. I was devastated when I read the letter as that was my entire life savings that was now gone. This whole situation has been a complete nightmare and I have completely lost faith in my bank. When something like this happens, people rely on their bank to let them know what to do and how to proceed. Upon filing claims, I was transferred an obscene amount of times, all with the excuse of, " That's not my department. '' Seems I never ever got to the right department. Banks are supposed to keep our money safe but as a result of everything I went through, I no longer trust Bank of America. If it wasn't for not wanting to go through the hassle of closing my accounts and getting my bills transferred to new accounts again, I would completely leave this bank and go somewhere else that I can trust my money with. Bank of America has completely let me down and it appears there is nothing I can do.
Product: Checking or savings account

Hello Privacy Team, I am reaching out to several companies to request the deletion of any data they XXXX hold on me. To make this process easier for me and to comply with XXXX guidelines, I kindly request that you do not ask me to perform any self-service actions or fill out any forms. 

My intention is to exercise my right of erasure under data protection laws. If there are any regulatory reasons why certain information can not be deleted, I ask that you please let me know what needs to be retained and minimize any unnecessary information, such as marketing and third-party data processing. 

To assist you in locating my account in your records, my details are as follows : 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 Please send me a confirmation via email once the process has been completed. If you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance in this matter. 

Please send an email confirmation once the process has been completed, and if you need any more information, please let me know. 
I appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Equifax is reporting inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Exoerian and XXXX Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account Dear XXXX XXXX XXXX , I am writing to formally dispute the validity of the collection account referenced in my credit report. The account number associated with this collection is with an amount due of {$570.00}. I request that you provide verification of this debt, as I believe it may not be accurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of any debt that you claim I owe. Please provide me with the following information : 1. The name of the original creditor.

2. The amount of the alleged debt ( {$570.00} ).

3. Documentation that proves I am liable for this debt, including a copy of the original contract or agreement.

4. A detailed account of any payments made and the balance due.

Additionally, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). If you are unable to provide the requested verification, I expect this account to be removed from my credit report, as it may be reported inaccurately.

Furthermore, I would like to draw your attention to the laws governing the sale and transfer of debts. Under the FDCPA, particularly 15 U.S.C. 1692i, a debt collector must provide the consumer with information about the original creditor and the details of the account when the debt has been sold or assigned. If this collection was initiated after the sale of the debt, I request proof of the transfer, including the date of the sale and any documentation proving you have the right to collect this debt.

Please respond to this letter within 30 days of receipt. If you fail to provide the requested verification in a timely manner, I will consider this matter resolved in my favor and will escalate my dispute to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Citibank Mastercard to pay {$3000.00} to the XXXX XXXX XXXX XXXX ( XXXX  ) to XXXX an XXXX XXXX XXXX ( " XXXX XXXX presents solo show XXXX XXXX '' ) to be visible to the general public and collectors from XX/XX/XXXX to XX/XX/XXXX, on the XXXXXXXX XXXX XXXX XXXX  website. 

The sole purpose of joining an online art fair is to XXXX XXXX online. XXXX promised massive publicity and an exclusive client list of thousands. 

The software used by the XXXX was riddled with problems and totally inadequate. XXXX NEVER MADE MY GALLERY VISIBLE to the public, or to any of their collectors as promised. It was not anywhere to be found on their website despite numerous phone calls and e-mails to everyone involved. I sent proof of this to Citibank - neither my name nor the gallery name came up on any search of the XXXX website or anywhere else. 

Furthermore my own XXXX could not access my gallery. I sent out a private e-mail to hundreds of my personal XXXX. No one could find my gallery on the XXXX site. This was embarrassing and jeopardized my hard-won relationships with them. 

My gallery had a TOTAL of 9 views - and I sent PROOF of this to Citibank.This proof was from XXXX   itself! Those views were all from me trying to visit my own site. 

Needless to say I had zero inquiries and zero sales. 

I told the XXXX I wanted a full refund. They did not reply to e-mails or phone messages. 
I disputed the charge with Citibank. I informed the XXXX that I had disputed the charge as a courtesy at which point they told me directly in a phone call that they would not dispute my dispute. I was led to believe it was resolved. 

XXXX is a knowingly fraudulent company. They have lied about everything and continue to do so. The bottom line is I received NOTHING for {$3000.00} and I will report them to XXXX 

I also sent proof of e-mails from many of the 70 other galleries represented who were lied too and defrauded too. Most of the galleries had zero inquiries and zero sales. XXXX bragged about 12,000 visitors. They failed to provide any real and true data with individual IP addresses. Galleries were rightly furious. 

Today I was informed by Citibank that my charge was reversed and my case closed because I " did not provide a credit slip. '' I immediately called a supervisor who actually agreed with me that my evidence was sufficient, but that he could do nothing because the investigation was with Mastercard and they decided not to pursue it. He send a follow-up e-mail to the investigator, but he was not hopeful. 

I don't believe the 'investigator ' even read my e-mail with conclusive proof of fraud. I asked for a different investigator but I was told by Citibank that it would go to the same person. 

The behavior of both XXXX and Citibank is outrageous. I will not and can not pay {$3000.00} for a service I NEVER RECEIVED. 

Please help. THANK YOU. 

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

Equifax has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports