23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

15 U.S.Code {$1600.00} ( 0 ) - right to rescind after 3 years Rescind paper work was never furnished 15 U.S.Code {$1600.00} ( b ) - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge. Loan fee, finder 's fee, or similar charge.

15 U.S. Code $ 166z ( b ) - mixing cash with consumer credit transaction I was mislead into this deal and car was taken under law I am entitled to entitled to two times the amount of the finance charge which was {$27000.00}, {$1000.00} for all additional violations, and or they can receive up to 1 year in federal prison for false and misleading information and illegally repossessing the vehicle. I want this debt completely removed from credit report and to be compensated for illegally and wrongfully leading me into this contract and unlawfully repossessing vehicle
Product: Checking or savings account

They allowed someone with a fake id to come in and change my acct and order checks also do alot of fraudilant activity using my acct.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Removal of Exposed Credit Information Under 15 U.S. Code 1681b Dear Sir or Madam, I am writing to formally request your assistance regarding an issue involving the unauthorized exposure and use of my credit information. My credit report has been accessed and exposed without my permission, which constitutes a violation of 15 U.S. Code 1681b, concerning permissible purposes of consumer reports.

According to this law, consumer reporting agencies may only furnish credit reports under specific permissible purposes outlined in the statute, such as with the consumer 's consent or for legitimate business needs. I did not authorize the disclosure or access to my credit information in this instance.

I respectfully request the following actions : 1. Immediate Removal of Exposed Credit Information : Please ensure that any parties who obtained my credit information unlawfully are required to remove it from their systems.

2. Investigation and Resolution : Conduct a full investigation into how my information was exposed and confirm whether the use of my report complied with legal standards.

3. Protection of My Rights : Take the necessary steps to prevent further unlawful acts regarding my credit information. 

Additionally, I would like to address discrepancies concerning XXXX entities : CAINE & WEINER : I do not own this debt and have not entered into any contract with CAINE & WEINER. This discrepancy should be removed from my credit reports immediately. 

XXXX : Similarly, I do not own this debt and have no contract with XXXX. This entry should also be removed from my credit reports immediately. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Money transfer, virtual currency, or money service

When I XXXX  somebody {$250.00} I noticed later on that week that two different XXXX transactions to the same person for {$250.00}. I notified Chase of the transaction error and they my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. There has been multiple occasions of this happening.
Product: Checking or savings account

On XX/XX/2022, I found XXXX ATM transaction of {$100.00} and XXXX ATM transactions of {$200.00} for a total of {$900.00} unauthorized. 

The next day I called the Chase Claim department about those unauthorized transactions. A claim specialist asked me about the situation and I said that I went to a branch of chase withdrawing {$100.00} in cash, but later found another {$900.00} cash withdrawal immediately followed which I don't recognize. Then he asked me if I have my debit card and I said yes. 
He filed a claim and asked me to wait for the result. 

On the next day, an update mail was sent and they decided that transactions were authorized correctly and they will remove the temporary quick repay of {$900.00}. 
The claim department insisted that the XXXX transactions were made immediately after my withdrawal of {$100.00} in intervals of XXXX minute and I have my debit card. Since ATM needs a debit card to be in the reader during the session, it is not possible that someone else could do that. 

However, I scanned my debit card instead of inserting it into the ATM and I put it back wallet after ATM scanned my card. After the screen asks if I need a receipt, there should be another question asking if there is more business. I just walked away after selecting no receipt and that's the timing when those transactions were happening. 
I suspect a male next to me waiting in line who fastly approached the same ATM at that time was withdrawing my money and asked them to investigate XXXX at that time. Then they said that the claim has been closed and if I want to reopen I have to collect convincing documents showing that those withdrawals were not done by me. The specialist suggested me to cooperate with the branch and mail physical documents to them. 

I do not have a receipt at that time since I touched " No receipt '' and all the evidence I could ever have is a XXXX record. I went to the branch and the manager told me they don't have access to the XXXX. I called again to claim department but they said that only after I collect and submit enough evidence they can reopen. 

Now the only documents I have are the transaction records. I hope they can reopen my claim and investigate XXXX record and refund my stolen {$900.00} back.
Product: Bank account or service

On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The above dispute was submitted to Experian on XX/XX/2022 however their investigation wasn't completed until XX/XX/2022 which according to the Fair Credit Reporting Act if the investigation isn't completed in 30 days the disputed information should be removed.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

On XX/XX/2022, called US Bank inquire about promotional ExtendPay. The person I had talked could not give specifics on the terms and conditions on the said promotion. For example, for the minimum purchase of {$100.00} how may months is my option to ExtendPay or if I purchase an item, say, {$1200.00} ; what the available options for the extended pay. It the number of months will only be available upon purchase not before any transactions. Also, the US Bank associate said there is no fee but the website tells differently ; Split eligible U.S. Bank credit card purchases into budget-friendly payments with no interest - just a fixed monthly fee. Word monthly fee is not very clear.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXXXXX XXXX XXXX, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax is showing my XXXX account XXXX delinquent 60 days. My account is not late because I did a XXXX month Deferment. Please delete this erroneous information or I will seek legal counsel. As this has ruined my credit.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( XXXX ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not helping me and I have tried calling them more than 20 times to clear the charge which is in collections and is reflecting on my credit report for the amount of {$300.00}. 
Name of the company which reflects in collections is not my account and has been opened using my person information.
Product: Bank account or service

I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX  XXXX - My info got hit by that Equifax data breach, and now my credit report 's got all kinds of stuff I don't recognize. XXXX! You can't just assume those claims are valid without proof.Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE!
Product: Mortgage

First Mortgage payment was due on XX/XX/XXXX OR XX/XX/XXXX. 
Chase Bought loan from another Mortgage company. Total Mortgage due Monthly is $ XXXX taxes and insurance is in payment as well as principal and interest. ( {$1600.00} Divided by 4 weeks = {$400.00} per week. ) To be clear, all other banks/Mortgage companies have applied our payments directly, when payments were received to mortgage/principal with no issue for almost 2 decades on several past homes as well as our present home. Lastly, we did not agree to have our mortgage/terms with Chase they purchased our loan after the fact. 
We began WEEKLY payments as we always have of {$400.00} per week on XX/XX/XXXX up to the date of XX/XX/XXXX which total sent Chase via automatic payments from our bank was {$3200.00} total sent to Chase as of XX/XX/XXXX. In addition there is another payment pending that has not been processed by our personal bank as of yet of {$400.00} that will be paid to Chase on XX/XX/XXXX. 
We received a letter from Chase saying we owed and were overdue {$3200.00} ( the exact amount we had already paid ). 
My husband and I called Chase on XX/XX/XXXX and they said they coded account wrong and were not applying payments to our mortgage payments but instead as additional principal payments. They say they will fix this with-in 3 days. 
Our concern is without us agreeing to or being notified ( until overdue notice ) they made this decision. They also say in the future whether we do bi-weekly payments on their site or weekly payments from our banks site. They refuse to put the payments towards our mortgage/principle. Instead they say they will hold the money and pay full mortgage payment on the payment date and refuse to process payments or apply to the principle at the times the payments are made. They also refuse to apply the weekly monies that we have already paid toward the initial principal/mortgage according to the dates they were forwarded. 
We are also concerned with possibility of both of our excellent credit reports going down because they did not process payments properly and listed us as overdue when the account was paid in full. There is a payment pending at our bank and being sent on XX/XX/XXXX as well.
Product: Debt collection

I got a call from XXXX XXXX XXXX about a debt they said i owed. I asked them to send me a paper bill and i would get it taken care of. The lady on the phone started yelling at me saying they had sent me a bill. I explained I had never received the bill and i will not pay without a paper bill. Not sure of the actual date Now on XX/XX/18 within 1 hour i have received XXXX calls on my cell phone from this same person which I am at work and will not answer. This is harassment.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any relevant information on them, and the company proceeded without my approval.
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX XXXX bank with us bank my social security number is XXXX I am filling a report because my debit card was stolen and someone put a XXXX $ check iny account it was never cashed it was not been done by me. I explained myself to these people to the best of my ability they are holding my funds my social security money and other funds. I am XXXX and my family Andi had no money for XXXX it has been miserable. I am confident on the finding that I Kno I didn't do this. The bank I'm having problems is the one on XXXX  in XXXX WA. I went into that bank to let them know someone illegally used my card and they tried to download a check into my account they lady took a report and issued me a new card I activated it at the ATM the next day I tried to use it it wouldn't work so I went back into that bank and they told me to give them the card and the lady who issued me the. XXXX lied to her boss telling her boss she never handed me that card and that it was my old one,.! I said to her are u calling me a liar your associate gave me that card. I fought with her she threatened to call the cops on me shelied on me and humiliated me.. the us bank on XXXX  in XXXX WA should be investigated I pleated my heart out to these guys they treated me like XXXX and I'm so upset still I can't access my funds there is now a hold on my account I did not do this and I'm asking that they leave my account alone and let me have my funds my birthdate is XX/XX/1980 my address on the account is XXXX XXXX XXXX XXXX WA XXXX thank u my phone number is XXXX u can call me at anytime thank u
Product: Money transfer, virtual currency, or money service

Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX Opened account for XXXX for XXXX Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated XXXX is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
Product: Mortgage

Freedom Mortgage is improperly collecting excessive portion of monthly mortgage payment for escrow. Total of property tax and homeowners insurance is now about {$7200.00} annually, due to last year 's increases in neighborhood assessment and premium increases. Instead of $ XXXX ( $ XXXX ), XXXX  is presently collecting $ XXXX. In fact, I have looked ahead at the respective tax and insurance payments required for XXXX, and only $ XXXX is necessary between now and those due dates with the present escrow balance.