23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dear sir, I have received a letter from your Chase office regarding account number XXXX. These account numbers can not indicate anything to show clearly, which card do you want to refer, since I had the replacement credit cards for 5 times with Chase. Since I do not owe any mortgage with Chase and other credit companies, since I do not owe any properties, I can not understand why I receive the paper enclosed. If you want me to fill in this paper, would you explain what kind of property I owe in my name, XXXX XXXX ; otherwise, I do not want to provide my personal information such as my social security number and account numbers, which I have with Chase. I believe, from the beginning, your office should have known the account numbers if you try to inquire, instead of XXXX. At least, you should write the ending numbers of card to refer to the headquarters of your company, Chase. I will return this paper, which you have sent, for further information from you. 

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

I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Experian continue to respond with such items being verified by the furnisher. I have requested several times that Experian provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that XXXX and Experian are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Experian has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX  Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy XXXX response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter XXXX Order of Dismissal ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$0.00} XXXX XXXX {$510.00} XXXX  XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$330.00} XXXX  XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX  XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

This auto loan from XXXX , XXXX ( XXXX XXXX XXXX  ) reported to my credit profile under the account of XXXX XXXX XXXX is providing negative, adverse, and fraudulent claims leading to delinquency. I have no knowledge of this contract disclosures and agreement to report such information. As a result of my investigation into securities fraud committed by the company, the company chose not to comply with my rights to the matter and deny me documents requested. 


The company reported the account as " charged off '' or " written off '', but in response ( out of non-compliance ) that the debt is not discharged. 

Violation of ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the FCRA
Product: Debt collection

This written notice confirms receipt of the communication dated XX/XX/XXXX from CREDIT COLLECTION SERVICES to consumer and natural person that the account with the alleged original creditor XXXX, will be returned to the alleged original creditor. On XX/XX/XXXX, I viewed XXXX accounts reporting on my consumer reports with national consumer reporting agencies, XXXX and XXXX. One account had an alleged original creditor, XXXX, and the second account had an alleged original creditor, XXXX. I sent a notice of dispute letter to CREDIT COLLECTION SERVICES on XX/XX/XXXX disputing any and all alleged debts with this debt collector, resulting in the communication from CREDIT COLLECTION SERVICES dated XX/XX/XXXX. On XX/XX/XXXX, I placed a phone call to CREDIT COLLECTION SERVICES to gain clarity on which accounts were being returned to the alleged original creditor. I spoke with a representative, who attempted to collect payment for the alleged debt with XXXX, and then was immediately transferred to a supervisor who then also attempted to collect both alleged accounts. I advised supervisor that I was calling to see what CREDIT COLLECTION SERVICES was doing with both accounts as the communication dated XX/XX/XXXX only referenced a single account. XXXX clarified that both accounts from alleged original creditors, XXXX and XXXX, would be returned to the alleged original creditor. He also advised me that the call was being recorded. Please reference my phone number on XX/XX/XXXX to listen to the recording. 
CREDIT COLLECTION SERVICES is in default of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and Utah Consumer Credit Code 70C-7-107. As such, I am offering CREDIT COLLECTION SERVICES the opportunity to cure this default by paying the attached invoice. If CREDIT COLLECTION SERVICES fails to cure this default, civil action will be initiated in a federal venue after XXXX days but not more than XXXX days from the date of receipt. Be advised that the action initiated will seek all actual and statutory damages allowed by law. Govern yourself accordingly.
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. 

XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my banking institution and Zelle failed to adequately investigate my claims. The bank informed me that the reimbursement of funds would be impossible and tracking the transactions would not be feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, ultimately leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

My loans have always been in good standing and on auto-pay for XXXX years. 

Since the recent restart of loan payments, XXXX has improperly handled my automatic payments. Their system SOMETIMES shows my credit union as the payer but also SOMETIMES shows a bank I have no relationship with, When they draw an auto-pay it fails because they have misdirected it. 

They have been aware of this for XXXX months. I have roughly XXXX hours of phone contact with them as well as that long on hold waiting for help. They admit there is a problem. That say, " that's weird. '' After each engagement I am told the problem will be fixed and I will receive an email explanation. Nothing is fixed. I have never had an email from them. 
I have sought assistance from the Vermont Attorney General 's Office. They have sent inquiries that have been ignored. 

I have sought assistance from Student Aid GOV - XXXX # XXXX. EdFinancial did not respond to them after XXXX days. 

My bank information is correct. I can force a manual payment through their system if I time it right that the bank shown is really my bank. A few fast keystrokes and I can get the payment to post. Payment when accepted are showing XXXX dollars credited to the principal. Where is my money going?
Product: Credit reporting, credit repair services, or other personal consumer reports

business loan was acquired with no personal guarantee strictly business loan against business credit. 
payoff was attempted but was declined. 

XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in XXXX '' clause. HJR XXXX states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ XXXX XXXX ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. 

As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 160XXXX, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. 

Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. 

I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. 



Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/year> I attempted to log on to my Citibank online checking account ( XXXX ), which I recently opened on XX/XX/year>. The account was inaccessible and stated that it was being reviewed for closure? I immediately called their Customer Service department and the representative would not give me the reason why this was occurring? I attempted to call their Customer Service number numerous times and no one was able to assist me or give me an explanation as to why my account was being closed and they stated I would get an letter with explanation in 30-60 days and if I needed further assistance to go into the local branch office. I went into the local Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the XXXX XXXX XXXX and explained the situation and wanted to know why my checking account was suddenly closed? He stated that after reviewing my account he could not assist me and I would have to wait a letter that would take 30-60 days with an explanation When I asked for my money to be returned to me and that I could wait 30-60 days for an explanation!! He was very hostile and not helpful, when I asked him for his business card he refused! He asked me to leave and wouldn't give me the Marketing managers phone number and told me he would call the police, which he did!! As I was leaving the police arrived and stopped me in the parking lot. The police understood why I was frustrated without access to my life savings but told me the bank has the right to ask a customer to leave, which I did. I am very frustrated and upset that Citibank has taken this action against me for reasons that I am not aware of and that they are unwilling to give me an explanation as to why this is happening to my account! I need access to my funds ASAP as this is my only money I have to live on. I also that XXXX XXXX was very unprofessional and had no right to call the police on me! He refused to give me an explanation as to why my account was closed. Thank you for your assistance in this matter!
Product: Credit card or prepaid card

Capital One charged me {$400.00} for nothing!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, 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 XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

After deciding to close my account due to suspension of external account transfer options, I called Simple ( simple.com ) to request account closure. 

Speaking with the first service rep, I was advised to remove the money from the account first. I stated that transfers to external accounts was not available for me, so she advised me to withdraw my remaining balance from an ATM. I inquired whether she knew of any ATMs in my area that dispensed {$1.00} bills, since the balance in my account was not an increment of {$10.00}. 

I then was transferred to a supervisor who informed me they could close my account and explained how I could transfer to my spouses account at the same bank. 

She then explained that I had to request account closure in writing, or through secure messaging in the Simple App.

I then submitted that request, requesting all accounts in my name be closed. The response I received said they also needed confirmation to close a protected goal account, something I was not aware I had and had not been notified of during the phone conversation, and was yet another barrier to closing my account with Simple. 

After sending yet another message again requesting ALL accounts be closed and requesting confirmation, I stopped getting any responses from the customer service. 

I have a XXXX  balance and have no pending transactions with Simple Bank, and would simply like this bank to honor my request for account closure. 

Thank you.
Product: Payday loan, title loan, or personal loan

Back in 2016 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$4500.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 95.620 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1900.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my authorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$4500.00} you will end up paying the ridiculous amount of {$15000.00} after you are done with all the payments, meaning that the Financial charge is {$11000.00} plus the {$4500.00}. Please somebody do something about this ; this company should not exist or they should lower the interests.
Product: Credit reporting or other personal consumer reports

Subjet : Removal of Collection Account. 
To whom it may concern, I am writing to formally dispute a collection account appearing on my credit report which is being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of the information. Upon reviewing my credit report, on XX/XX/year>, I noticed the presence of an account in collection status.I have never entered into any contractual agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and I did not authorized or gave my consent for them to act on my behalf in any financial matter. This claim is erroneous. I am requesting Experian to provide me with the complete documentation they received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX regarding this alleged debt and a signed contract with my signature on it. If Experian can not produce the information to verify the collection, Experian shall remove the disputed accounts from my credit report. I never received any goods or services from them and this violates the provisions of the FCRA law. I was told by Experian every was complete and accurate. I said, " how was that possible when I didn't know how Experian verified the accuracy and completeness? I did not received any documentation of the investigation process as I requested. I don't know how they did their investigation. I asked Experian to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Experian did not fix or delete these accounts, I have requested Experian to send me a full and complete file disclosure of the investigation process. A credit report is not a file disclosure. Which is a violation under the FCRA law. I was told to call in to dispute any inaccurate information on my credit report. I was told I couldn't dispute over the phone. So I got hung up on. Another violation of my rights under the FCRA law. I have sent all the proper documentation Experian has asked for to remove these accounts from my credit report. Experian has violated my right to privacy and a consumer reporting agency can not furnish a account without my written instructions under the FCRA law. Another violation under the FCRA law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX