23daVinci/CFPB_Complaints huggingface dataset:
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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$520.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX  XXXX Balance Owed : {$28000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Debt collection

KINDLY HELP ME. I'M GETTING XXXX UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XXXX XXXX, and I noticed inquires I do not recognize.
Product: Money transfer, virtual currency, or money service

A friends account was hacked. We sent the payment to the account not knowing it was hacked. Contacted the bank who could not stop it and contacted Zelle who refused to do anything ; they actually hung up on me! They refused to follow their own company policy and federal consumer protection laws requiring them to refund the fraudulent scammed transaction. 
XXXX and XXXXXXXX XXXX {$1000.00} Company refused to help ; escalations supervisor refused to transfer me to her supervisor then transferred me to the general customer service number. She said she is the supervisor and there is no one above her. 
They refuse to share their policy requirements for a refund. They refuse to refund fraudulent transactions.
Product: Debt or credit management

I'm instructed to come to branch after being scammed where when I arrive, Im treated with a lack of respect, discriminated, embarrassed, humiliated, incriminated, by falsifying staff and manager. I come to get assistance and I receive nothing but problems and harassment. This is something I don't enjoy my experience when I come to a bank and financial institution that I've liked so much. I'm very disappointed and just disgusted, feeling sick to my stomach by the abuse and false allegations this manager has treated me with. I don't want to ever have an issue with this again and I think that the best resolution is to terminate such a manager. I believe that his position can easily be replaced. He causes mostly all problems and no solutions with his chosen staff members, who have to abide by him to obey. I'm done dealing with this and I refuse to be ejected out of my bank branch that's closest to me by this managers egotistical inconsiderate evaluations of me to want to inconvenience me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Credit card or prepaid card

My credit report shows inaccurate activities my identity has being stolen cause it shows accounts I never open in different locations and I never being out of XXXX XXXX I am trying to rent a place for my family and my credit score is completely ruin! 
Please I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

We seems to have a problem with JP Morgan Chase, recently we have issue payment to Chase account holders and the withhold the funds with no reason and take days and weeks to release the funds with no excuses. 

On XX/XX/2023 we issue a check from our company for USD {$50000.00} the check got clear from the account the same day from our account at XXXX XXXX. Nevertheless, the funds were not clear at our supplier bank until XX/XX/XXXX. This is an ABUSE! From Chase by withholding funds and abusing from clients. 

On XX/XX/XXXX we send a wire transfer to an individual at JP Morgan Chase for USD {$40000.00} and as of today XX/XX/XXXX funds are not available and they send a message to our bank XXXX XXXX that the wire was XXXX, nevertheless they do not return the money and they play with the funds. There is something going on as it is not normal. 

Not sure if JP Morgan Chase has any financial problem, it is very weird that this is happening, we do understand that banks play with consumer funds, but it seems like Chase is going beyond normal
Product: Money transfer, virtual currency, or money service

On XXXX I sold my sister 's car to XXXX XXXX for {$3500.00} via XXXX which she transferred to her name at NJ XXXX on XXXX. On XXXX XXXX I received an email from XXXX saying I had lost a dispute which I didn't know I had because the transaction was not covered under XXXX XXXX XXXX. ( see attached ). 
I called XXXX several times over the next several days to try to get some understanding and resolution. 
According to XXXX, XXXX XXXX notified her bank XXXX Bank of America ) that the transaction was unauthorized and requested a charge back which XXXX sent causing my account to go negative. I explained to XXXX about the car sale and sent them the Bill of Sale ( see attached ) but they said it was out of their hands because it was not an internal XXXX dispute but a charge back request for and unauthorized transaction in XXXX XXXX name from BofA. 
XXXX XXXX said she told both XXXX  and BofA that she had authorized the transaction and was not asking for her money back. She said her BofA account was hacked about 2 days before this happened to me. She said BofA closed her account due to suspicious activity so she no longer has an account there and they will not give her any information. 
XXXX says they can't help me and XXXX XXXX will not speak to me because I am not a customer of theirs. I'd really like to get my money back!
Product: Payday loan, title loan, or personal loan

I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).
Product: Checking or savings account

XX/XX/year> {$35.00} XX/XX/year> {$34.00} XX/XX/year> {$45.00} All Three was Canceled By The Merchant and funds were supposed to Be Returned to sofi Banking institutions I was Told that the {$35.00} would Be Released on XX/XX/year> at it wasn't Sofi claim They Don't have any record of that Transaction i have Screen shots they were all pending on XX/XX/year> the {$35.00} was showing pending now its not showing at on on XX/XX/year> the hold Released Date im Not getting a Direct answer from Either company 's access correction or sofi Banking institution
Product: Debt collection

I get over 2 calls a fay from this company. this is not my debt, they said they are with profolio recovery. I asked that they please never call again.
Product: Debt collection

There was no option for the issue I am experiencing at this time. 

I was attempting to log in to make a payment on my account. 
I ca n't log into the website to make my payment and the payments are a couple months past due. I actually was trying to make a catch up payment, but the company will not allow me to access my account to make one. I tried using the online chat but they would not even speak to me. So I am now reporting them to the FTC as they are willing to damage my credit, but unwilling to allow me to make a payment. 

I tried filling out the survey that popped up, but the site conveniently disabled it before I could submit it. I am going to post my complaint on XXXX to see if I can get an attorney to pick this up so I can sue the company. I am done playing games with them. 

The online agent disconnected and forced the chat closed before I could even get the phone number to call there help line.
Product: Credit reporting, credit repair services, or other personal consumer reports

American honda financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over 3.5 years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.
Product: Credit card or prepaid card

My credit card got behind several months. This was my own responsibility, and I understand that. During that time period, Capital One contacted me in writing several times stating if I did not pay the account " will be closed '' and it would be charged off. I received several statements, all saying the card was " Restricted '' but none saying the account was CLOSED.

In early XX/XX/XXXX, I paid off the card in its entirety, with the intent of freeing up the credit line and leaving it available for emergencies. 

Capital One promptly took my money, and THEN CLOSED MY ACCOUNT. Since then, I have waited several weeks for their " escalations team '' to consider reopening the account, and was promised I would get to speak to them before a determination was made. That never happened. Today they informed me they were denying my request. On top of that, I received a bill for {$10.00} MORE after I already paid the card off completely! 

So they lied to me for months about my account status, got me to give them a huge amount of money, then closed my account. This is ludicrous and downright dishonest. Please help.
Product: Credit card or prepaid card

I had a credit card with capital one in XX/XX/XXXX. It had a {$500.00} limit. I owed over {$650.00}. I then paid the outstanding balance in XX/XX/XXXX to  capital one bank usa. I will attach proof of payment from XXXX   accounts to this claim.This means capital one was paid for my debt, thus has no right to report on it! And as I paid the debt should show as paid on my credit report.
Product: Credit reporting or other personal consumer reports

-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with XXXX XXXX XXXX XXXX regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Early Warning XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX the Event - Date of Incident : XX/XX/XXXX - Involved Parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- Description of Actions Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties. 

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and anxiety, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach.

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2019 to XX/XX/2019 XXXX XXXX charged me {$3200.00} for the services provided for my son 's dog XXXX. She sent invoices from the hospitals and also collected additional funds. The invoices were for XXXX XXXX emergency admittance and XXXX. XXXX was never performed though she said it was. She also failed to comply by providing the records of any services that were rendered to XXXX. This put XXXX in danger and in absence of the records, it is causing heavy inconvenience for us to have XXXX registered in XXXX. This is a clear case of fraud and when I tried to contact XXXX XXXX XXXX for the transactions done via online banking, they could not help. The transactions using Zelle ( through XXXX XXXX XXXX ) are below. 

They are to XXXX XXXX ( XXXX XXXX CA phone - XXXX ). 
XX/XX/19 - {$480.00} XX/XX/19 - {$740.00} XX/XX/19 - {$990.00} XX/XX/19 - {$50.00} XX/XX/19 -  {$670.00} Please help this resolve this ASAP and have XXXX provide XXXX 's records and refund the excessive money she charged for the services that were not provided. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report and it causing me harm. There are several names and addresses listed on my consumer report that are incorrect. I have previously disputed this same information with the consumer agencies which they stated they verified as accurate how is this when I know my own name and where I reside. I have attached proof of my identity and residency. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX update my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally complain about BHG Financials refusal to provide me with an unmarked copy of the executed promissory note that I signed. The copy I received is marked with " copy view, '' and it explicitly states that the authoritative copy is held by the designated custodian. This refusal to provide an unmarked copy raises serious concerns regarding my rights as a borrower and the transparency of our transaction. 

On XX/XX/2024, I sent an email correspondence to XXXX to request an executed copy of the promissory note that I, XXXX XXXX, signed and initiated. On XX/XX/2024, BHG Financial sent me back my loan documents via a secured link. This was sent by XXXX XXXX, Client Services XXXX XXXX. 

I responded back on the same day and informed XXXX that the documents enclosed a watermark that entails " copy view '' across the document. Additionally, the form details that this document is a " copy view of the authoritative copy held by the designated custodian. '' XXXX informed me that she is unable to send me the official copy due to preset functions within the company 's XXXX. This is unacceptable, as I should be able to request the original copy, given that I initiated these documents without watermarks. 
The Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z ( 12 CFR Part 1026 ), are designed to ensure that borrowers receive clear and accurate information about the terms of their loans. XXXX 's requirements include providing the borrower with copies of loan documents, and the refusal to provide an unmarked copy may constitute a violation of these disclosure requirements. 

If the promissory note is an electronic document, the XXXX XXXX ( 15 U.S.C. 7001 et seq. ) mandates that electronic records and signatures are given the same legal effect as their paper counterparts. Ensuring access to the complete and unmarked electronic document is integral to compliance with this act. 

I hereby formally request that BHG Financial provide me with a certified true and unmarked copy of the executed promissory note. This request is made to ensure compliance with the aforementioned legal requirements and to maintain transparency in our financial transaction. If BHG Financial does not comply with this request within 14 days of receiving this notice, I will have no choice but to escalate the matter. 

Please confirm receipt of this complaint and the anticipated timeline for compliance. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  FI XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX CA ( Auto ) XX/XX/XXXX XXXX
Product: Student loan

They have not processed my save repay application, it was submitted mid XXXX. They still havent processed and are charging interest and I had to defer payments. My deferral just ended and they still havent done anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Dear Credit reporting agency 's, XX/XX/XXXX In accordance with the provisions outlined in 1692g of the Fair Credit Reporting Act, and Title 5 U.S. Code 552a, I am formally requesting the Method of Verification for the following disputed account ( s ) associated with XXXX XXXX : XXXX XXXX  - Account number : XXXX This request is made under the guidelines specified in the Fair Credit Reporting Act 611 ( a ) ( 7 ). It is important to note that this is not a reinvestigation of a prior dispute, but rather a request for a Method of Verification to ascertain the accuracy and validity of the mentioned account ( s ).

Kindly provide the following details and documentation : Original creditor : XXXX XXXX XXXX  Address and telephone number of the creditor. 
Name of the individual responsible for verifying the dispute. 
Documentation utilized to verify the dispute. 
Signed contract or documents bearing my signature. 
Please be aware that under Title 5 U.S. Code 552a, known as the Privacy Act of 1974, regulations governing the maintenance of records on individuals apply, irrespective of whether this is a government agency. This ensures that any actions taken regarding my disputed account ( s ) align with the stipulations set forth in this law.

Should you encounter any difficulties in furnishing the aforementioned information promptly, I request that the disputed account be promptly removed from my credit report to mitigate any further adverse effects. 

Best Regards, XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

For COVID-19, I am financially impacted for paying my mortgage with Freedom Mortgage. I filled out COVID hardship information on their website and I waited a week to finally receive a letter that my hardship application is being reviewed. There is also information in the letter about them foreclosing my house even though I haven't missed a single payment! No information is stated about approval of a forbearance on the XXXX XXXX loan. So I feel like they are totally not following XXXX XXXX direction regarding COVID forebarence, not confirming approval of a forbearance and are instead implying a threat to start foreclosure process on me for filling out the COVID forbearance application. Extremely dishonest bank and are really harming me and people during this crazy time.