23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear XXXX XXXX, I am writing to dispute a charge of {$280.00} to my platinum credit card account on XX/XX/year>. The charge is in error because I did not drive the XXXX XXXX XXXX vehicle for the full trip length because of a flat tire occurring on the morning of XX/XX/XXXX. I purchased the turo on XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX at XXXX until XX/XX/XXXX at XXXX. Upon pick up, the Host was not available and communicated about the keys through his wife yet she did not hand me the keys within the XXXX minute refund-cancellation period. There is a condition in XXXX policy that says the host who owns the car has to release the key directly to the turo customers. I was informed by XXXX to communicate about the tire with the host but the XXXX couple informed me that they want me to pay for more damages ( I didnt damage the vehicle ), Since Turo deactivated my account I could only respond to deny these claims with no access to further reply. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate capital one credit statement. In regards to the chargeback rebuttal filed by XXXX I am dismissing the claim of the vehicles conditions in reference to the enclosures presented that disprove that rebuttal. The company is rebutting the dispute for claims stating that the product was not damaged, defective, and was sold as described but that is not true it had a passenger side tire bubble. I booked the vehicle that is pictured below with a picture of a flat tire too. I am not responsible for this charge due to the purchased insurance policy and the premature cancellation of the original trip duration. I picked up the vehicle but I did not drive it the full duration because of a flat tire. I received the vehicle in fair physical and mechanical condition, as shown below. I did not rate the vehicle when asked about the XXXX, I contacted the company directly. The entire disputed amount is invalid and should be refunded as requested. 
Enclosed are copies of the XXXX purchase invoice, flat tire, the tire bubble, the trip duration, the hosts direct messages, and an emailed damage claim that supports my dispute and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX They closed the dispute & put it back on my statement after they accredited it to my account within the investigation period.
Product: Vehicle loan or lease

I am filing this formal complaint against Chase Auto Finance due to their failure to release a lien on my vehicle despite the loan being fully satisfied three years ago. Their negligence has caused significant delays in the sale of my car and has resulted in unnecessary financial and logistical burdens. 

Details of the XXXX XXXX : Chase Auto Finance XXXX XXXX : Year : XXXX Make : XXXX Model : XXXX  XXXX VIN : XXXX Issue : Chase Auto Finance failed to release the XXXX on my vehicle despite my financial obligations being met XXXX years ago. This error only came to my attention when I recently attempted to sell the vehicle and provided them with the XXXX of XXXX that Chase provided me at the time of the purchase. 

Impact : This oversight has prevented me from completing the sale of my car, causing unnecessary stress and financial hardship. The dealership requires the lien release to finalize the transaction, yet Chase has not provided a timely resolution. 

Chases Response : After contacting Chase, they confirmed that my name is on the title, and a lien release confirmation was sent via fax. However, they refused to expedite the delivery of the official XXXX release, stating that I must wait XXXX business days to receive it via mail. This delay is unacceptable and has further stalled the sale of my car. 

XXXX Sought : I request that the Consumer Financial Protection Bureau investigate Chase Auto Finances improper handling of lien releases and take action to ensure : 1- Immediate resolution of my lien release by Chase Auto Finance , including overnight delivery of the official lien release document.

2-A formal explanation from Chase as to why the lien was not removed when it should have been and how they will prevent such errors in the future.

3-Stronger consumer protections and penalties against Chase Auto Finance for failing to comply with proper lien release procedures, which have caused unnecessary financial burdens on consumers. 
4- Furthermore, due to Chase Auto Finances negligence in failing to release the lien in a timely manner, I have suffered financial and logistical damages, including delays in completing the sale of my vehicle, unnecessary administrative burdens, and the inconvenience of dealing with this issue that should have been resolved years ago. Given this hardship, I am seeking appropriate compensation for the delays and the additional expenses incurred as a result of Chases failure to act responsibly. I request that Chase provide monetary compensation for the undue stress and losses caused, including any potential depreciation in the vehicles value due to the delay. If Chase fails to address this matter fairly, I reserve the right to pursue further legal action to recover damages. 

Chase Auto Finances failure to properly release liens in a timely manner is a clear violation of consumer rights and creates an unfair burden on customers. I urge your office to take appropriate action against Chase to prevent future occurrences of this issue.
Product: Money transfer, virtual currency, or money service

I paid via XXXX with XXXX that is supported by Chase on the Chase website the amount of {$250.00} on XX/XX/XXXX at XXXX to a concert tickets seller, XXXX XXXX . I did not receive my concert tickets, I called my Chase bank as soon as I realized that the seller is a scammer, on XX/XX/XXXX, at XXXX with a request to stop the funds transfer or to reverse my payment but was told by a Chase representative that XXXX has no fraud protection, and Chase does not provide fraud protection for XXXX as well, although XXXX is listed as a XXXX method of payment once I log into my Chase account. There is No Disclaimer notifying Chase customers on the Chase website or XXXX app that all transactions are final, and NO fraud protection is provided by Chase or XXXX.. I requested to speak with a supervisor at Chase but was told the same thing. A complaint was filed by the Chase supervisor for a courtesy funds recovery. 
This is completely wrong and unacceptable to mislead the customers, and not provide Chase costumers with a disclaimer stating that Chase does not provide any fraud protection for the transactions via their XXXX service with XXXX as this service is supported by Chase, and has full access to my accounts with Chase. 
Can you please look into this situation, and assist me with recovery of my {$250.00}. Chase needs to keep their costumers fully informed and provide fraud protection for all the services that are offered to Chase costumers. 
I filed a complaint with the FBI regarding the ticket seller, and provided the FBI with all the details of this situation.
Product: Checking or savings account

RE : Bank of America Bank of America will not allow another bank to auto-debit my HSA account to fund an HSA with the other bank.

Their position is that I must fill out a form with them which will authorize them to charge the account {$25.00} By way of background this account was funded by my employer. I was laid off and the account laid dormant for 1.5 years. I was reminded that I had the account because BoA issued a new debit card for the account. I tried to log in online and found that I couldn't access the account because the only email address associated with it was my work email. Eventually I got BoA to associate my personal email address with the account and found out that since my termination they had changed a {$4.00} service charge every month. I complained because I had not been given notice of the charge. They did reverse it but I am now on notice. They are making it difficult to transfer ( even a portion of the funds ) f to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied as a co signer on a student loan for my daughter by discover student loans. I had previously been accepted but the dates needed to be changed so when it was re processed I was told I couldnt co- sign because Equifax reported a past or present delinquent account. I was finally able to get in touch with Equifax, a worker who would only identify himself as XXXX went over my report and stated it was a mistake and to tell XXXX to contact their customer service # and it would be taken care of. Nothing they did two more checks and I was denied both times. All that contacting Equifax did was further damage my credit. Can you please tell me what I can do. Equifax is extremely difficult to contact.
Product: Student loan

I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.
Product: Checking or savings account

This is a follow up complaint regarding my previous complaint # XXXX. I was contacted by Bank America after this complaint on XX/XX/ and received a refund of {$180.00}. I have still not received the refund for {$2400.00} despite repeated e-mails and phone calls to the contact at BOA : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX I have heard nothing for a month from him. This claim is over 6 months old. I am XXXX years old and need the money. 

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

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681. 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 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 XXXXXXXX Has violated my rights 15 U-S-C 1681 602 A- Stat 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 instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Product: Credit card

On XXXX, XXXX  I made a purchase using my Capitol One Credit Card. When I did not receive my order a month later, I contacted the vendor. They claimed they would send again. I never received it and contacted them again the end of XXXX. I still have not received my order. I have email verifications. At this point, I just want my money back. The vendor advertised themselves as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to all 3 major credit reporting agencies. ie ; XXXX, XXXX and Transunion, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however XXXX XXXX is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted XXXX XXXX several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.
Product: Credit card

On XX/XX/year> I attempted to buy a TV from XXXX XXXX for {$210.00}. The vendor experienced difficulty and the TV was never delivered. They sent an email to me explaining the problem and offered me another TV for half price, which I declined. 
When I contacted customer support at Apple Card I was told to send information substantiating my claim. XXXX months later I received a rejection to my claim. After calling customer service again I was told to send in more information which I did and XXXX months later I received a rejection on that claim. 
This has gone on for XXXX and a half years, speaking to a representative, sending information, and having it rejected XXXX months later. On numerous occasions I made efforts to ask to speak to someone who had the authority to resolve this issue, and I was never given that opportunity. The only response I received was : send in more information to substantiate your claim. 
No one has been able to explained to me what information they want or what information is missing. They have never reached out to the vendor to resolve the issue. They have never checked my credit score or Payment history to see if I was a credit worthy customer. 
I disagree with their findings and I have no way to address this issue other than to send in more information and wait XXXX months for reply.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) - Dispute inconsistent dates with other bureaus.
Product: Credit reporting or other personal consumer reports

I submitted a dispute XXXX with all XXXX credit bureaus about the XXXX on my report, they replied and stated it was verified and would remain on my credit report. I also sent a letter to the XXXX  court asking do they verify, or report items and they responded they do not. 

Please see atatched.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, EXPERIAN, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

After I requested information from CAPITAL ONE, they closed the account. PLEASE SEE ATTACHMENTS.
Product: Payday loan, title loan, personal loan, or advance loan

Brigit advertised pay day loans and credit repair. Not only was I not approved for the loan brigit reported I line of credit for XXXX that I had to make payments on. Upon trying to close the account because money was being taken out of my bank account to pay for a loan I never recieved. Once I stopped the payments my credit score dropped XXXX points for services I never recieved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, so please review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) : Section XXXX ( XXXX U.S.C. XXXX ) Blocking of information related to fraud or data breaches. 
Section XXXX ( XXXX U.S.C. XXXX ) Permissible purposes for accessing consumer reports. 
After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. This unauthorized reporting by creditors or third-party data furnishers is unlawful. 

I request an immediate investigation and a written response confirming the removal of these fraudulent items.
Product: Checking or savings account

I would like to file a complaint and a possible lawsuit against TD Bank for discriminate against me having me stand outside in the cold of a bank not allow me to speak to anyone in customer service putting my funds on hold without any explanation
Product: Credit reporting or other personal consumer reports

These late payments are not aligned with my regular payment record.
Product: Credit reporting or other personal consumer reports

I have not made these records and firmly suspect they are tricks. Kindly do an intensive examination and eliminate them from my credit report right away. I have given proof to help my case.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I started getting phone calls about this debt in summer of XXXX This was for an account that I had to pay off in order to cancel my internet services through them and get service from a new provider. It was required that I paid it off at the time of cancellation. When I started getting these calls from the debt collector, I contacted XXXX XXXX directly and was told they no longer had any information about my account in their system and that I would have to go through the debt collection agency. I requested written documentation of the debt from this debt collection agency multiple times and nothing was ever mailed or emailed to me regarding the debt. In possibly XXXX of XXXX this debt was transferred to another debt collection agency ( I believe it's transworld collections ). I started getting calls from them, requested written documentation again of whatever the charges were ( around {$460.00} ) and after a month of not receiving any additional info from anyone, I filed a dispute on my credit report for this charge. I called Transworld XXXX weeks ago and was told that because it's being disputed, they are still " on hold '' with this account and can not provide me any information until the dispute is figured out. I STILL have not received anything in writing about what they claim I owe or why I would owe it. I didn't hear about this debt from XXXX XXXX, ever. The first I heard about it was XXXX years after I closed my account with them. I never got anything in the mail, I never got a phone call, and I successfully cancelled my service with them and got it through someone else with NO COMMUNICATION ABOUT AN OUTSTANDING DEBT. This is knocking my credit down XXXX points and it's been XXXX months since I disputed with absolutely no resolution and STILL not written communication pertaining to the debt.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account XXXX XXXX XXXX XXXX  XXXX