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

On XX/XX/XXXX my car was broken into and my check book was stolen. On XX/XX/XXXX I was in a car accident where I was rear ended in traffic which resulted in a significant concussion which I am still dealing with the effects of. On XX/XX/XXXX, XXXX XXXX filled out check # XXXX from my checkbook for {$220.00}, forging my signature. XXXX total checks were filled out and deposited into back accounts at XXXX XXXX the dates, check numbers and amounts are : XX/XX/XXXX - XXXX - {$320.00}, XX/XX/XXXX - XXXX - {$420.00}, XX/XX/XXXX - XXXX - {$520.00}, XX/XX/XXXX - XXXX - {$200.00}, XX/XX/XXXX - XXXX - {$300.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$570.00}. During this time frame I was under a doctors care, off from work, not allowed to look at screens ( I get paperless statements ). XX/XX/XXXX - While looking back through my account for a specific transaction I noticed several check numbers. I discovered XXXX total. I called Chase and made the initial claim. When I did discover the fraud XX/XX/XXXX - I updated my police report with XXXX Police. Closed my account with Chase and opened a new one. They said that my new debit card would be at my house in about a week. XX/XX/XXXX - I called Chase for an update. They said that it was still ongoing. 
XX/XX/XXXX - I arrived home and there was no new debit card. XX/XX/XXXX - I called Chase for an update on my claim and they said it was ongoing. I asked about my debit card and was told that a new one was never sent out. I called XXXX Police and later that day a detective reached out. XX/XX/XXXX - I emailed the detective the pictures of the fraudulent checks. XX/XX/XXXX - I received an email saying that my claim was denied because the the time frame from the fraud to when I discovered and reported it was too long as stated in the " Deposit Account Agreement '', however the agreement states, " You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. '' Which I did. Check fraud over {$2000.00} is a Class 6 Felony in Colorado, where I live and I was a victim of a crime that also happened when I was suffering from another hardship. The XXXX Police Department is also doing a horrible job at investigating this. I have pictures of the checks because they were mobile deposits and I was able to see them on my account and print out copies. I can provide those if needed.
Product: Credit reporting or other personal consumer reports

REQUESTED TO DELETWE AND BLOCK REPORTING INFORMATION. IDENTY THEFT.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate
Product: Credit reporting, credit repair services, or other personal consumer reports

Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due????

I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!
Product: Checking or savings account

My account was closed last week Thursday or they called it restricted because I made a dispute and showed proof that I didnt do the transaction and the bank ( Citibank ) just closed my account with all of my money in it mind you this is my only bank account and I have XXXX dollars to my name right now And they just closed it and Ive been to the branch multiple times and still nothing they dont want to open it or give me my remaining money at all so now Im trying anything possible to get my money out of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report.
Product: Credit card or prepaid card

Good Morning - I have been a chase customer for several years. I have a checking account and different credit card products. Last week on XXXX, I logged into my account online and found the following message on all my accounts. " Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to make monthly payments by the due date. '' I was in a huge state of shock and called customer service immediately. They were of no help. They said they could n't provide any details and refused to discuss further. I received a letter on Thursday ( XXXX ) which did n't have much information either. They have closed my checking account and the reason they provided in the letter was " After a recent review of your accounts, we have decided to end our relationship with you. ". There was another page attached which said that they have closed all my credit card accounts because of the following reason " After careful consideration, we decided to close your credit card accounts in XXXX XXXX XXXX, because our affiliate is ending its banking relationship with you. '' I am very concerned that this will cause my credit score to go down due to the number of credit card accounts I have with chase. The average age, number of accounts, credit utilization is all going to be affected and cause problems to my credit report/history due to this. And I am also disappointed that I have been using Chase as my primary credit card for several years. It has been a stressful last few days due to the concerns related to my credit report and also that I can longer have the benefits of having Chase cards. This is even going to affect my travel plan for next month. I am deeply disappointed that this has happened. I would like to get some help on this matter.
Product: Credit reporting or other personal consumer reports

The company Portfolio Recovery Associates ( PRA ) is improperly, against FCRA statutes, reporting incomplete data to the national credit bureaus making it inaccurate. The company reports the account was opened on XXXX XXXX XXXX yet reports a " charge off '' for only 3 months in XXXX ( incomplete ). Furthermore, it does not report a date of first delinquency XXXX XXXX XXXX 

The company violates FCRA in the following ways : 1. PROBLEM : No credit payment history, making the report incomplete and inaccurate. 

FCRA VIOLATIONS : a. ) 611- " completeness or accuracy " b. ) 623 ( 2 ) ( B ) - " has furnished to a consumer reporting agency information that the person determines is NOT COMPLETE or ACCURATE '' c. ) 623 ( 5 ) XXXX XXXX  " not later than 90 days. '' RESULT : Civil liability under FCRA 616 ( a ) " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer ... .. '', 617 ( a ) " Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable ... .. '',
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX BANK XXXX, and XXXX XXXX BANK XXXX # 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 an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!
Product: Debt collection

I am disputing an alleged debt that XXXX claims to be collecting on behalf of XXXX and XXXX XXXX. I received unsolicited emails referencing alleged accounts ( ending in XXXX, XXXX, and XXXX ), and I promptly submitted a formal dispute. 

XXXX requested I submit the dispute electronically and then rejected the dispute without providing any explanation in a response email. Instead, they required me to access the dispute results through their website, despite my clear request for information to be provided outside of a login portal. This practice is deceptive and obstructive, as it withholds essential information and burdens the consumer with having to use a third-party platform to obtain basic details about their own dispute. 

They later claimed the results were provided by email, but no documents were included in the message body or as traditional attachments. Instead, they included hyperlinks labeled as PDFs under an attachment ( s ) heading. These were not actual attachments but links hosted on a publicly viewable XXXX address. This presentation is misleading, as it falsely gives the appearance of secure, attached documentation while directing recipients to an external site.

One of those XXXXhosted links led to a loan origination document from XXXX. However, the document was not physically attached or transmitted in a secure way it was accessible to anyone with the link, further undermining any claim that the information was secure. This also raises concerns about authenticity, document integrity, and consumer privacy. 

The loan origination document includes an itemized accounting of the debt, but it lacks a valid signature. The document states that by accepting the loan terms, it is considered as a signature, but there is no actual physical or electronic signature. Additionally, the document lacks a chain of assignment, proof of XXXX legal authority to collect, or evidence of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

I explicitly requested physical copies of all documentation and that all electronic communication cease. XXXX has not complied with the mailing request, though they have ceased emailing me since that request. 

Until I receive proper debt validation by physical mail, I continue to dispute the validity of the alleged debts and request that all collection efforts cease. XXXX practices appear to violate the FDCPA and reflect a pattern of deceptive and nontransparent behavior. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Paid {$3000.00} down payment on 2014 jeep XXXX XXXX. Brought it back multiple times. The first time being XXXX weeks after I bought. Had multiple recalls which they never addressed. XXXX of the recalls which has no remded to fix the recall. Nothing ever was fixed only cleared my check engine light then sent me on my way. I spent countless times emailing about the problem and trying to contact management. Which they never once got back to me. Then I decided to trade in the vehicle with all the problems I had on it. They decided my vehicle was only worth {$10000.00} because of the problems which they never fix or addressed to me while I had the car. I was left with nothing else to trade it in or not have a working vehicle. The vehicle I had gotten, had a broken headlight which when I had told the car salesman. He stated in text that he would have a new XXXX ordered and after XXXX weeks never gave me an update. Then when I had called today. They said they never ordered it and they werent going to fix it anymore. When I had bought the vehicle the XXXX had stated everything including the tires was in my warranty. Which was a lie. He basically told me XXXX thing and had me sign another after being in the car dealership for XXXX hours. This isnt the only problem Ive had with them either. I had purchased a XXXX wheeler from them and the second day the radiator fan had blew which was a {$400.00} fix. XXXX convinced everything there has multiple defects they hide to pass inspections. Which is straight fraud to the XXXX items Ive bought from them since XXXX, all of which have had multiple problems and they fail to help those issues. Ive spent over {$7000.00} in payments towards everything XXXX the $ XXXX I lost on my trade in they wouldnt add for my jeep cause it had recalls. XXXX just beyond stressed mentally as this has been my first time financing anything besides a house. And its been a complete nightmare! They wouldnt even ship me my papers for my car for XXXX weeks after I paid. They refuse to give me my down payment back from me originally buying the first car and refuse to give me my XXXX coverage money back.
Product: Checking or savings account

I have been trying to access my funds and withdraw them but have not been able to. I have called and sent messages to the bank without an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX , XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report
Product: Credit reporting or other personal consumer reports

All 3 bureaus are reporting a revolving account a closed charge off account can not be revolving its closed.

This account was also written off by the creditor but its showing a balance if it was written off and considered a loss there's no debt owed they have already been compensated for the loss none of the last active dates match XXXX is reporting 60 days late twice you cant be 60 days late back to back and then go into charge off status Equifax is reporting 120 days late twice then skips a month and goes back to ok even though they have the account listed as a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified Comenity about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report in my name. They responded that it is Comenity 's policy to comply with all applicable law and regulations, federal law supersedes policy. They are unwilling to remove the account from my report despite my request pursuant 15 USC 1681b ( XXXX ) which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. There is no way Comenity is in compliance with the FCRA if they have not received written permission from the consumer to furnish a report. Per federal law, that is the only way a report can be furnished. Also The FCRA 15 USC 1681 602 ( b ) says " It is the purpose of this title 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 title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " 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 ''. Comenity 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( XXXX ) ( 604 ).
Product: Payday loan, title loan, or personal loan

i got a phone call from advance america saying that owe them money but i dont have a recepit for it
Product: Debt collection

I own XXXX XXXX  and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX  was open. When I closed the XXXX  in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and  explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.
Product: Debt collection

HunterWarfield ( XXXX ) XXXX FLORIDA XXXX No Transcript Available. 

VOICEMAILXXXXXX/XX/2019 Keep calling me and asking for another person who does not live here and do not know. This started on home phone and migrating to our cell phones. 
I have contacted them they are rude. I asked for a supervisor and get stone walled. 
Have insisted they remove my number after answering a phone call, they insist on wanting my personal information to remove my numbers. 
I told them I do not give out that information since they called me and should have my number. 
I want this company stopped they are exceedingly unprofessional. 
Us robo callers that you have to press a digit on the phone then they start this investigation into wanting info. As far as I am concerned I have not debt that they need to look into or look up my name to see if I have any. 
I have my utilities, home mortgage, and car loan. All paid in full and current.