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

I rented a vehicle for quoted price of {$890.00} When I returned the vehicle, I signed a form showing that the vehicle was returned in the same condition I found it, full tank of fuel, etc. At this time, no cost or discussion of the vehicles condition was provided to me. I did receive this document through email. 
Several days later, they charged my debit card {$1100.00}, with no follow up information or explanation of charges. At no point did I ever receive a receipt referencing a dollar amount or any sort of itemization of charges. 

I raised this dispute with my bank, who refused to continue with the dispute due to the missing receipt. 

I raised this dispute to XXXX, who refused to proceed with the dispute due to the missing receipt referring to the incorrect amount.

I am extremely frustrated by everyone 's lack of action. I have a quote showing one price, a signed document upon return of the vehicle that proves that I abided by the terms of the quoted price, and a charge to my bank account for several XXXX dollars more than the quoted price. I am extremely disturbed by the lack of ethics shown by XXXX, Eastern Bank, and XXXX all colluding to defraud me.
Product: Checking or savings account

I was selling tables on XXXX XXXX. Then someone came up who wanted to buy a table and made a transaction. XXXX told me to do so because I wanted to transfer money using an app. I asked him to check XXXX 's mail with a call that I sent XXXX dollars. I checked the mail and it said that my account was not a business account and I had to upgrade it. So the other party said that I would send XXXX dollars to me, so if I refund it to myself again, the account would be upgraded. When I searched XXXX, I saw that it was the authentication method that was actually being used by XXXX and proceeded with the transaction. However, even after that, when I received an email asking me to pay an additional XXXX dollars in usage fee, I felt strange and couldn't send the money right away. At first, the other party said it was a legitimate procedure, but suddenly I left the chat room. That's how I lost XXXX dollars. When the sun rose, I went to Chase Bank, explained the situation, and asked for help, but they said I had to wait until a fraudster used the bank account. They said they wouldn't get paid after a month. The number of victims is increasing, but it's not wise to deal with it. There were a lot of people who suffered the same damage as me, and none of them got their money back. The bank should contact them with their information and come up with various solutions such as withdrawing the money or canceling the remittance. Scammers should not be allowed to make money and avoid good people. Especially, I am an XXXX  who has been in the U.S. for only 7 months. This problem will undermine the credibility of the U.S. and cause XXXX  to have a bad perception of the U.S. I am working as a XXXX in XXXX. I will write down the news that this happened on my social media and make it public.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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. Act The Bureaus, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) 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 or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit card

On XX/XX/25 i attempted to call wells fargo about a fraudulent over exhorbant late fees. I was met with a very rude foreigner with an extremely thick accent. I was scared I was being scammed. I asked to be rerouted to American agent. I was routed to another heavily accented foreigner whom advised he was from " XXXX '' when I went to quiz him on his nationality based on the sate he claimed to be from he immediately hung up. I can't believe a bank would allow there number to be compromised by scammers. This is exactly what happens when you contract your customer service to foreign agency in order to save money. It speaks volumes about the bank and there regards to there customers. We are victims of there greedy CEOs. They don't care about us presents. They care about how much money shove in there share holders pocket at our expense. It's disgusting and it's predatory to say the least. Now I'm afraid my entire life and identy compromised as a result of.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Debt collection

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 2 ) That all correspondence be by d irect mail to my home or by email t
o XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX 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 Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing an urgent complaint against JP Morgan Chase for ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Protection Act of 1974. 

As a federally protected consumer, I exercised my right to opt out of any authorizations, per 15 U.S.C. 6802 ( a ), effective XXXX XXXX XXXX Despite my attempts to resolve this directly with JP Morgan Chase on that date, the unauthorized reporting of transactions persists, violating my rights under 15 U.S.C. 6802 ( a ). 

JP Morgan Chase 's continued non-compliance with its terms and conditions, explicitly stating no sharing of personal information with non-affiliates and third parties, raises concerns about their commitment to privacy. 

I demand, as part of the resolution to this complaint, the immediate removal of all non-public information, including Driver 's License information, address details, and transactions, for which no permissible purpose was granted. 

I urgently request the Consumer Financial Protection Bureau to expedite an investigation into this matter, rectify the FCRA violation, and uphold the principles of the Privacy Protection Act of 1974. 

Enclosed, please find documentation of my attempts to address this directly with JP Morgan Chase. Your prompt attention to this matter is crucial for the protection of my rights. 

Thank you for your immediate action on this urgent matter. I anticipate a swift resolution. 

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

MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX Citibank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb system uploading does not allow me to upload more then 10 MB per compliant. total files exceed 28 MB
Product: Credit reporting or other personal consumer reports

Did authorized my social to be used for any purposes, I called and spoke to a guy asked if I could record as well, I told him what had happened and nothing was done about it so he spoke with his big boss and adviced me to take care of it thru XXXX bc he could definitely see where back to back inquires was made and I needed to dispute them as he stated and I said thank you I just wanted to call and verify they keep telling me to tell companies to send letters for removal
Product: Mortgage

Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at XXXX.
Product: Debt collection

i filled a complaint that is recently new the number is XXXX this debt was not mine as you read the letter this is way pass statue of limitation beside that the debt was sold off back in XXXX that was closed!!! 
the number is XXXX COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXX Incorrect information on your report AMERICAN EXPRESS XX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Company responded Closed with non-monetary relief
Product: Checking or savings account

At XXXX XXXX I attempted to make a cash deposit at an ATM drive through at my Bank of America , ATM XXXX, for the amount of {$2800.00}. T

he machine pushed back out one {$50.00} bill and stated would you like to continue the deposit of {$2400.00}. I said no because it was obviously {$350.00} short. I then pressed return cash. It gave back {$2300.00} ( had already pushed back that {$50.00} originally ) equaling {$2400.00} total. The machine did not give back {$400.00} out of the {$2800.00} I put in. It is Sunday so no one to speak to on phone or online.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RECOV ASSOC XXXX Balance {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inquiries on my credit report for services that I did not request of them. 
I have never heard of this credit union before nor have I ever gave them permission to pull my credit.
Product: Credit card

I bank with chime they let someone steal all my money off my account denied my dispute..then talk to me XXXX hang up the phone..the lady XXXX said that all XXXX trying to do is get over on them .that was a XXXX remark.because I ask for my money..so really need help recovering all my funds..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime 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 or has reasonable cause to believe that the information is inaccurate.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year>2021 since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history this inaccuracy information falsely manipulates the statute of limitation you failed to investigate this account properly and youre in neglect has violated my rights. I am demanding a deletion of The following account. 
XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

Capital One Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Filed FTC report on XX/XX/XXXX Result of Identity Theft Information sold to debt collector ( unauthorized ) Did not get my signature, nor approval to sell my information to another company
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. My name is XXXX XXXX. I am writing to you with a request for accommodation regarding my Discover Bank account, XXXX. I kindly request that you consider removing the late payments from my credit report and updating them to " paid as agreed. '' I regret to inform you that I faced severe financial difficulties due to the unforeseen circumstances of contracting XXXX. As a result, I lost my job at that time and was unable to meet my financial obligations, including making timely payments on my Discover Bank account. This unfortunate situation had a significant impact on my ability to maintain a consistent payment history. 

Moreover, the consequences of XXXX extended far beyond the financial realm. I contracted a severe form of the virus that left me physically and emotionally debilitated. The extent of my illness was so severe that I was unable to take care of my beloved bulldog, who was my loyal companion. Tragically, due to my illness, I was unable to provide the necessary care, and my bulldog passed away. The immense grief and guilt I experienced over his loss plunged me into a XXXX XXXX XXXX  XXXX, further hindering my ability to handle my financial responsibilities effectively. 

I understand the importance of a positive credit history and take full responsibility for the late payments. However, I humbly request your understanding and compassion during this extremely challenging time in my life. I have sought professional help to overcome the XXXX and guilt that consumed me, and I have made significant progress in rebuilding my emotional well-being. 

Now, I am pleased to inform you that I have successfully overcome those financial hardships and have regained stable employment. I am committed to meeting my financial responsibilities and ensuring timely payments moving forward. Removing the late payment history associated with the period when I was affected by XXXX would greatly assist me in restoring a positive credit standing and rebuilding my financial stability. 

To support my request, I have enclosed relevant documents, including medical records and veterinary documentation confirming my illness and the unfortunate passing of my beloved bulldog. I hope these documents provide additional context to understand the profound emotional toll and financial difficulties I faced during that period. 

I sincerely appreciate your time and consideration in reviewing my request. I assure you that I am committed to responsible financial management and will diligently make future payments on time. I am determined to rectify my credit history and maintain a positive relationship with Discover Bank. 

Please let me know if there are any further steps or documents required to support my request. I would be grateful for an update on the progress of my request and any decisions made by Discover Bank. 

Thank you for your understanding and for taking the time to consider my appeal. I look forward to your favorable response. 

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

I had an account with XXXX XXXX XXXX which was closed in XXXX. However, Experian allowed them fraudulently to update information on my account and report a late payment that never occurred. 

I filed a complaint with Experian informing them that XXXX XXXX re-aged the account. The account was closed in XXXX and there were no late payments or activity on the account the information was incorrect. They sent me an email on XX/XX/XXXX stated that they fixed the problem but the fraudulent and re-aged information still remained on my account. 

Say the statute of limitations is 3 years in Maryland, and the debt is over 4 years old, with no account activity in the last 4 years, and the statute of limitations has passed, but the debt is still listed on my credit report and should be removed.
Product: Credit card or prepaid card

Citi AAdvantage Mastercard XX/XX/2023 Company cancelled my credit card without warning claiming " inactivity ''. Closure resulted in placement of an expiration date on my airline points. Only with an active XXXX  credit card can I make purchases to remove the expiration date which is only a few months off. I believe that I should have been notified of a pending closure so that I could take measures to avoid it. This also reflects on my credit report.
Product: Checking or savings account

To whom it may concern, I am filing this complaint in reference to unauthorized withdrawals from my checking account. On XXXX XXXX I was charged by XXXX for three separate amounts.The first charged was at XXXX XXXX for the amount of {$44.00}, the second charge was at XXXX XXXX  for {$100.00} and the third was at XXXX XXXX  for {$74.00}. All of these charges are made in the state of California. I live in New York and can provide additional proof that I was not in California. The total amount of unauthorized withdrawals is {$210.00}. I immediately contacted my bank and canceled my debit card that was used for these transactions. I spoke to a representative and he was of no help. He said that they had to " investigate '' and will get back to me. A few days later the bank did reimburse me for the total amount. However, just this week they took the money back. I did contact XXXX to also dispute the charges. 

Unfortunately, this is not the first time there has been an issue with my bank, My husband and I are in the process of switching over to another bank. Our account has now been overdrawn. It is completely unacceptable and unfair. I can provide additional information if needed. 

Thank you!