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

I was running late on my monthly payment and called XX/XX/27 to see what my options were and set up payment arrangements. My main goal was NOT get a 30 day late since I'm trying to build my credit up. I paid as much as I could that day {$40.00} and arranged another {$80.00} payment XX/XX/XXXX. I was assured this would not give me a 30 day late. I repeated the question to sure there was no misunderstanding on my part that I would not incur a 30 day late and again was assured. Reviewing my credit information today and Milestone did in fact give me a 30 day late. I called and was told since I did not pay entire amount and why I got the 30 day late. I was either lied to or the employee did not know their job, I asked the question multiple times since that is why I called. I was happy that they helped to only find out it was all for nothing nd my credit took a huge hit and will have to pay XXXX  more in interest costs on any new purchases that this and other banks will benefit from. American citizens are getting screwed every day and today was my turn. I'm disgusted with our banking system that always gets bailed out for their bad behavior at the cost of the ordinary citizen. Evil and wrong!
Product: Credit card or prepaid card

I used this card and made an on-time payment for the full balance. After making the payment I tried to use the card again but my 'available credit ' wasn't actually available. The customer agent said I had to wait 7 days after my payment before the available credit became available again. I had a pressing business purchase that I really wanted on this card because of how much it saved me and asked the agent if there was any way to make the process faster. He said to send proof of the payment clearing my bank account to the their secure messaging center and it would reach a group above him that could probably make it available sooner. So I did that and that's where the problem really started. Not only did they not make my available credit available sooner, but they didn't bother to even reply to my message. Instead, they locked my account from being used at all and didn't even tell me. After 7 days passed, then 8, then 9 I finally called them about not being able to use the card still and found out they wanted me to prove who I was before they would let me use it again. This proof involved copies of bills, license, and social security card and would take up to 30 days! I said how about a passport instead of a social security card... nope. I haven't seen my social security card in 20 years. I would have to get a new one and who knows how long that takes. Despite on-time payment, despite excellent credit rating, despite assurances by an agent, despite bank proof that my payment cleared, they nevertheless decided to treat me like a criminal. I was fed up and decided I wanted to close the account... but they wouldn't let me!!! Unreal. Worst treatment I've ever gotten from a card company.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELF / LEAD I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Doneingoodfaith.
Product: Checking or savings account

COMPLAINT There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account. message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account??? Money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$24000.00} In addition to my original and unanswered complaint a received a letter with Chase letter head, informing me that application XXXX rewards visa card application was received in my behalf. 
Who gives you right to share my personal information with XXXX?? Reference number XXXX. 
If bank did not do it, it certainly fail to protect my personal information. I did not apply for any XXXX VISA. These will be all part of my lawsuit and Class Action suit against the bank for all the damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Exquifax stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, XXXX, Equifax or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, XXXX, Equifax etc `` the person '' making the report.
Product: Money transfer, virtual currency, or money service

I used service of this company called Remitly for money transfer from my XXXX XXXX XXXX account to another bank account locate in XXXX. I send {$2200.00} on XX/XX/2019 and was promised that money will be credited on XX/XX/2019. I am writing this on XX/XX/2019 and there is no money transferred. Despite my several request either cancel my transaction and refund my money back or credit it in destination account, this company totally ignoring all request. Customer service is so worst that they even asked me if you want to go to law enforcement you can feel free to do so. They are even not telling us when this amount will be refunded or credit in destination.
Product: Checking or savings account

Ref : XXXX Sirs, Your email to me today states that the bank has responded saying they need an additional sixty days! My account was first frozen at the end of XXXX. The funds were removed on or around XX/XX/XXXX. I was notified by letter ( sent to the WRONG ADDRESS ) on XX/XX/XXXX a full six weeks after the hold was placed on almost {$6000.00}! 

I believe there handling of this has been bullying threatening usurping funds and now to add insult to injury they : require : an additional sixty days, when those funds include my {$2100.00} monthly Social Security AND my {$1200.00} stimulus payment which, I believe by law they were supposed to return to Treasury and not hold! 

Their vindictiveness has truly harmed me operationally and also financially! With the time already given to them to review matters, I believe their actions are injurious to me as will indeed by the cause of suit action once the funds are released to me! 

Can you PLEASE bring the complete weight of CFPB on them to complete their review and release the funds! By my calculation a " normal '' 90 day period would be completed by now and to ask for additional time is bogus especially since they denied me access in XXXX! 

With the authority CFPB has I ask that this case be closed immediately and all funds be returned to me XXXX XXXX XXXX
Product: Consumer Loan

I have a loan with  Kia Motor Finance. I  recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on  XXXX   XXXX . I have had the title tag agency fax it to the number provided by  Kia. I  have confirmed that the fax went through to the proper number provided by  Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received  ( althoug h I have proof it has been received by tem.     I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PARTIAL ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 2. A detailed account statement showing the amount of the debt, including any f
ees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Debt collection

this XXXX account was disputed and deleted from my credit file and now this collection place this account on again
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting

I called Trans union and spoke to a supervisor named XXXX about a adverse account on my XX/XX/XXXX credit report, which they did a investigation on and sent me the results as deleted with a date of XXXX I am now told it was n't verified, but that is n't what the letter says. XXXX of the forms state unverifiable info must be removed. The guy gave me this website and then hung up. Please help me with this situation, thank you and XXXX BLESS, P.S. I 'm doing this from my cell phone and do n't know how to attach documents nor do I have a computer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for Equifax and XXXX to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well
Product: Credit reporting or other personal consumer reports

I am sending this to formally dispute the charge-off account listed on my credit report. The account in question is associated withXXXX  XXXX XXXX XXXX Balance : {$0.00} and it has a detrimental impact on my credit profile. Upon reviewing my records, I have identified discrepancies in the reporting of this charge-off, and I believe it is reported inaccurately. I hereby request a thorough investigation into the matter and request the deletion of this charge-off account from my credit report if inaccuracies are found.
Product: Money transfer, virtual currency, or money service

This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. It is critical that the relevant officials be made cognizant of an ordeal I have suffered as a result of internal failures and violations of law at your company. 
2. Description of the Incident 3. Around XX/XX/2021, I became a victim of a complex scam scheme orchestrated by XXXX, also referred to as the " XXXX '' or the " XXXX ''. They have created, developed, manufactured, promoted, marketed, distributed, labeled, and sold fraudulent " investment services '', which aim to rob and defraud clients by using a predetermined cycle of losses to gains.

It is important to note that the scammer, registered as " XXXX XXXX '', is a client of your organization and has been committing financial crimes right under your nose. This includes stealing and laundering large sums of money on a regular basis. Shockingly, using your services, money totaling XXXX USD was transferred from my XXXX XXXX and XXXX XXXXk accounts. 
I hope you understand the gravity of this situation and the extent of harm caused to me and potentially other victims. I urge you to take immediate action to prevent any further financial crimes committed by this client or any other fraudulent entities using your services. 
4. Against this background, I hereby respectfully file this Complaint against your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law. 
XXXX. The allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. 
II. FACTUAL BACKGROUND AND GENERAL ALLEGATIONS A. Overview 6. I am a victim of an incredibly sophisticated investment fraud scheme, where crooks systematically disguise themselves as a legitimate and trustworthy entity in order to illicitly exploit the vulnerabilities of unsuspecting investors and con them out of their money.
Product: Credit reporting

XXXX of the addresses listed on my reports has XXXX XXXX XXXX, I have never lived at this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX/XXXX  XXXX XXXX XXXX.