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

I was scammed out of {$900.00} dollars to a man and his XXXX wife. {$400.00} of those dollars I withdrew from checking account and gave to the family in cash. They gave me items to hold on to until they paid me back. The items were jewelry they claimed to be real and very valuable and when they paid me back they would ask for the items back. The items turned out to be fake and instantly after receiving my money they disconnected their phone lines and left me with nothing. Im struggling for money and neither my bank or my credit institution will help me retrieve these lost funds. Ive contacted the FTC, Attorney General, Local Police and both banks I used. I really need this money back.
Product: Credit card

On XX/XX/XXXX I received a notification from XXXX XXXX that one of my credit cards was closed, I contacted Citibank they closed my account because of inactivity, I told them the least they could do is send me an email or regular mail or a phone call they apologize, they said in order for me to re-open my card they had to run my credit again and it's gon na be a hard credit hit on my credit score, I told him that was unacceptable, doing my research online I know it is a lot of people are having the same problem with Citibank I would like my Acct to be restored, because of their negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 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 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/2020 I attempted to pay off my vehicle loan with Chrysler Capital Account # XXXX. I received a payoff quote on Chrysler Capital 's website, but when I tried to make a one-time payment, the website said that the daily limit was {$2900.00}. I tried various methods online, none of which allowed me to make the payment. I then called Chrysler Capital, and they told me that they would not accept a payment greater than {$2900.00} on their website. I was told my options were to 1 ) mail a paper check, 2 ) make 12 to 13 payments of {$2900.00} each, or 3 ) figure it out with my bank on how to pay CC, such as getting a cashier 's check. I am not about to go to my bank in the middle of a pandemic to figure out how to pay an auto finance company, and I don't use paper checks due to identity theft that has happened to me before by using paper checks. So I guess I'm stuck with making 13 payments over the next 13 days, all while CC continues to assess daily interest on my account. The call was escalated to a manager and then to the executive support team. No one could tell me why the {$2900.00} daily limit was in place, so I am left to assume that CC wants to make it hard for their customers to pay off their loans so they can accrue more interest. Shameful - I've had ~10 auto loans in my life and I have paid all of them off early, either by a simple phone call or online. Chrysler Capital 's policy is clearly UDAAP - by saying they have no prepayment penalty, they neglect to calculate the additional interest a consumer will incur by navigating their arcane payoff methods. Chrysler Capital could teach cable companies a thing or two about making it hard for customers to end their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your previous response on XX/XX/2023 for XXXX XXXX  Account number XXXX and on XX/XX/2023 for XXXXXXXX XXXX Account number XXXX, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.
Product: Money transfer, virtual currency, or money service

In attempting to close out XXXX trading platform accounts and unable to close out XXXX ) XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX Account, and still unable to via customer service standard operating procedure. At least, what I would consider standard operating procedure. The account values are not of any great amount. I could just say 'at least you'll never go broke with them owing you XXXX Federal Reserve System XXXX '. But I have a certain standard that I must live up to, since I am also a XXXX XXXX XXXX veteran, who resides in the XXXX XXXX XXXX sphere. That accountability stretches to all financial matters, so that the Homelessness task force, all government organizations have a full accounting of my financial picture. Granted all I have is the Name, address, and other biometric data. for each of the XXXX accounts and no relevant data such as account numbers, as though I invested in a ponzi scam or some other nefarious activity. I need for the accounts, to be XXXX ) closed as of today if at all possible, XXXX ) a statement that tells the government organizations that the accounts are closed, XXXX ) the Statement to be sent to Honorable XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. XXXX ) that my biometric data such as the social security number be removed from their files. XXXX ) that anything that remains after account fees, be sent to the address on file in a money order and or cashiers check to : Rev. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX
Product: Credit card or prepaid card

XX/XX/16 received email stating my credit line was approved with bank of america. I did not open an account tried multiple time to contact with company- called back 4 times traansfered multiple times with no luck
Product: Checking or savings account

I'm trying to deposit money into my account from an account at another bank. They took a small amount of my money and now they won't let me use their service or give me my money back. This is the response I received. 

" Sorry to hear that it didn't worked. Apologies for the troubles. I know how agitating it is for you. 
This kind of issue is because of security reason. We review every transaction to ensure the protection of our customers, and the integrity of our service. 
Occasionally, we determine that a transaction can not be completed. 
In the meantime, what I can suggest is to keep on trying those basic trouble shooting until it works. 
You are welcome to try adding cash again. If it does not work, you may need to send this payment outside Cash App if necessary. 
We hope for your understanding. No worries, our Account Services Team is constantly working on this matter and to be able to provide a good service ''
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing inaccuracies on my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and ensuring compliance with federal consumer protection laws. 

I initiated a dispute with Experian on XX/XX/2023, reference XXXX XXXX # XXXX, XXXX, XXXX, challenging multiple inaccuracies present on my credit report. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation into disputes within 30 days of receipt. Furthermore, Section 611 ( a ) ( 7 ) mandates that they promptly notify consumers of the results of their investigations.

Despite my attempts to resolve this issue, I have neither received the results of Experian 's investigation nor any verification information confirming that an investigation has taken place. I sent my dispute via certified mail, with proof of receipt, Confirmation # XXXX and have diligently followed up with Experian on multiple occasions. Each time, I have encountered lengthy hold times, over two hours, assurances that a manager would contact me ( which never occurred ), and a lack of resolution or clarity regarding the status of my dispute.

As the FCRA stipulates, should a credit reporting agency fail to comply with the investigation timelines and verification requirements detailed in Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), they are obligated under Section 611 ( a ) ( 5 ) ( A ) to promptly delete the disputed information from the consumer 's credit report.

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this situation. Enclosed with this letter are copies of my original dispute letter, certified mail receipt, and all relevant supporting documentation for your reference.

I kindly request that the Consumer Financial Protection Bureau investigate th
is matter and take appropriate action to ensure that Experian complies with federal consumer protection laws by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.

I look forward to your assistance in resolving this issue and achieving compliance with the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification you may require during your investigation. 

Thank you for your prompt attention to this matter, and I anticipate a timely resolution. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime
Product: Debt collection

XXXX XXXX XXXX XXXX. XXXX. # I.C. Systems XXXX # XXXX XXXX XX/XX/XXXX To Whom it May. 

I am in receipt of your notice dated XX/XX/XXXX. I have been in dispute with Since XXXX of XXXX, when I called and complained about the inability for XXXX to Live Up to the terms of their service agreement. XXXX has been unable to provide me the signal strength required to receive phone calls for my business, and the several attempts I've made to resolve this matter have met with failures on their part to live up to the terms of their service agreement. 
My home office is located on XXXX XXXX and the lack signal strength they provide in my town is widely recognized by dropped calls, continual impaired signal strength They acknowledged this and offered to send me a range extender that I was told would improve my service. This was in XXXX of XXXX, I agreed, and they never sent it. I called and told them and due to poor customer support, resulting in log wait times, outsourced foreign support representatives that had no ability to resolve my complaints. Each time I would explain the issues, it was like having to give a rudimentary class in English. Foreign representatives would need to transfer me to a the XXXX support, which was worse, and on the several occasions when I was able to talk to them, they failed to follow-up on anything that would cure this problem, or even returning my calls. It is my contention that XXXX could care less about fulfilling their contractual responsibilities. 
I had been left with no option but to transfer my phone service to XXXX mobile to resolve the problems. It is their failure to fulfill their contact obligations, and because of this breach of contract with XXXX I am disputing their charges in full, and further demanding payment for the phone lease in the amount of {$650.00} in return. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from FEBDestiny XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from XXXX, XXXX, and XXXX immediately.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX in XXXX, MI on XX/XX/XXXX to discuss turning in my XXXX XXXX XXXX early. The sales person had no interest in helping me. I went to a different dealership found a car that I love and now Ford will not give me the information I need to get the other vehicle turned in. I have called Ford Credit, they told me to call the dealership. My new sales rep called XXXX XXXX and they refused to give her the information. I have called on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. No one will assist me. I then called the customer complaint line XXXX, and she told me this is something the dealership handles. I am beyond fed up and I know they are going to try to charge me for wear and use when i purchased the extended warranty and my sales person told me on XX/XX/XXXX I wouldn't have to worry about any of that. I would rather uber for the rest of my life then to ever purchase a Ford through XXXX XXXX ever again.
Product: Checking or savings account

I got emails from Bank of America. I do not have an account with them. I called and they said an account was opened in my name. They verified this and canceled and closed the account. They told me to file a report as my identity was stolen. I got the email on XX/XX/XXXX. I called to cancel on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXXXXXX XXXX IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Debt collection

I received a notice from a company called " GB Collects '' on or about XX/XX/2019 regarding an alleged debt owed to XXXX XXXX XXXX/XXXX. The purported debt was as a result of cancelling a health insurance plan previously purchased and then validly cancelled. I resolved this matter with XXXX XXXX XXXX/XXXX. In accordance with the Fair Debt Collection Act as well as the applicable Pennsylvania statutes, I responded via letter to GB Collects on XX/XX/2019 to cease any and all communications concerning said debt and to furnish to me valid documentation of the debt. On XX/XX/2019, I received two ( 2 ) phone calls on my cell phone from a " XXXX XXXX '' at XXXX XXXX and XXXX XXXX of a harassing and threatening nature. Mr. " XXXX '' repeatedly disregarded my requests to cease contact and then mocked my attempts to explain that I properly have disputed the debt.
Product: Checking or savings account

CHASE HAS ALREADY RECEIVED ALL OF THE 4 ATTACHMENTS WITH NO POSITIVE RESULTS AS OF THIS COMPLAINT : ATTACHMENT 3 - SEE CHASE  ONLINE BANKING FOR THE DATES MENTIONED IN DISPUTE TIMELINE ( CHASE VERY UNTIMELY IN RESPONSES ). ESPECIALLY ... ... 
XX/XX/20 RESPONSE FROM CHASE THAT STATED THAT HOLD HARMLESS LETTER WAS NEEDED BY XXXX XXXX XXXX ( XXXX ). SEEMS THIS HHL WAS NOT SUBMITTED TO XXXX XXXX XXXX AS WELL AS THE XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX i was involved in the XXXX  data breach and in XX/XX/XXXX after seeing an alert from XXXX  I was a victim of identity theft. I also lost my wallet in Mid XXXX XXXXXXXX XXXX which caused further delays in getting a new drivers license and new debit and credit cards!! I did not find this information out until early XX/XX/XXXX at this time of course all of my accounts were compromised causing delays in payments Indigo mastercard attempted to retrieve payment and could not do so. Previous to this theft I closed this account and paid of this debt but the creditor stated that they do not take payment when authorized but can wait up to 3 weeks to collect funds during this time said identity theft took place I have filed a XXXX  complaint about the late payment that was reported on my credit I have not had a late payment in 3 years on any of my other credit cards. I have requested through multiple agencies for this to be removed without any success because the company continually states that there were insufficient funds in the account but this is not true funds were in the account but the account was compromised. XXXX  could not come to any resolution to this case. 


XXXX XXXX XXXX XXXX XXXX PROVIDES A SERVICE THAT MARKETS TRUST IN YOUR BUSINESS & BRAND This e-mail is to notify you that you currently have a new message with XXXX  in regards to complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting illegally obtained information on my credit report. HIPAA prohibits the release of information without authorization from the patient. Attached is the document sent to me by XXXX XXXX XXXX in which they have line by line accountings of procedures & additional information in regards to my medical visit which by law should only be released to my physician. 

If these two items from XXXX XXXX  are not removed immediately I plan to pursue this matter in court to the full extent of the law. 

REMOVE IMMEDIATELY
Product: Bank account or service

Bank  of America investigator n amed  XXXX   XXXX  has left me a voice message claiming she has replied to my complaints, also she admitted it to me on the phone, so,,,,,,,,,,, in fact she is now held liable in her private capacity unless she can produce a bond or liability insurance, The response that she claimed she mailed to me is attached in this complaint in the PDF, Bank  of America  and  XXXX   XXXX , are guilty of information breach, I never consented to BoA giving my information to their co-contractor criminal friends!!! they gave my information to   XXXX  , and are using   XXXX   for means of extortion , ill g et to that in my next complaint, but anyhow, BoA and  XXXX  are using fictitious names as shown in the PDF which is a SERIOUS CRIME!!! my name is  XXXX   XXXX , not  XXXX   XXXX , im not a vessel or some type of dead entity such as a bid bond, performance bond, or a securities exchange, or whatever else they do in secret,,,,,,, trading peoples names as bonds and getting paid from the united states treasury and so forth!!! these micreants!!!     NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS  )  in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under  Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {&gt;= $1,000,000} fine.
Product: Mortgage

Spoke to someone for loan depot. Update!!!! Spoke to city of XXXX funny enough loan depot didnt PAY my property taxes of {$4700.00}!!! This is why my escrow went up!!! They were saying our taxes went up now of {$3700.00} which is a lie!! Thats more than 8 % thats illegal!! XXXX put a lean on my house because loan depot did not pay out taxes! This is insane! And they wont even let us pay them ourselves! Literally crooks!! This needs to be rectified I will not stop until it is!!
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.
Product: Debt collection

They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXX have submitted 2 requests now to consumerfinance.gov.
Product: Credit reporting or other personal consumer reports

I asked the credit reporting agency, to remove an item that is on my credit report. This company wasn't given permission or informed me that it would be reporting information on my person. Please help me in, in asking the credit agency to remove these accounts. 

Thank you
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach Please thru the credit bureaus please remove all info from my credit report
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX there should be no other names or addresses on my consumer report.