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

My parents had a safe deposit box at the XXXX Chase Bank location in XXXX XXXX, Texas. I live in XXXX XXXX, California. After my parents died, I tried to close the safe deposit box. I am the sole heir and had complete power of attorney during their lifetimes. I was on all their accounts, including the safe deposit box. I was told by the XXXX XXXX and XXXX XXXX Chase branches that I could close the box only in person at the XXXX XXXX branch. Time passed. The FDIC instructed banks to start the process of closing safe deposit boxes. JP Morgan Chase in XX/XX/2022 announced it would begin to phase out all safe deposit boxes. I again attempted to close the box. Chase refused. When Chase Bank began demanding payment and threatened to debit safe deposit box fees from my deposit accounts, I again attempted to close the box. Despite my instruction, the FDIC 's instruction, and Chase 's own policy, Chase refuses to close the box. The Chase branch in XXXX XXXX, California where I bank, states there is nothing they can do. The branches claim the only way to close the box is to go to XXXX XXXX, Texas, which is about XXXX miles from my home to close the box in person. This is a problem Chase easily could solve. The Chase policy is a subterfuge to extract fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.
Product: Debt collection

This company has contacted me many times before and has reported, twice, that they would stop. Today I received another voice-mail. I don't owe anyone, and haven't. There is no need for them to contact me. This time, I want more from them than a promise that they will stop. XXXX XXXX from Harris & Harris , LTD was the person who left a voice mail.
Product: Debt collection

I have notified XXXX of the account status and they refuse to fix it all so Trellis company called me XXXX XXXX in the repose. If no one can get the info on the accounts and being incorrect as XXXX stated amounts. I asked they be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention certain outdated personal information that is currently present on my consumer report with your agency. I kindly request that you take immediate action to remove this outdated information from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my consumer report and noticed that some of the personal information listed is no longer accurate or up to date. The outdated information includes : I understand the importance of maintaining accurate and current information on consumer reports, as it directly affects my ability to secure credit, loans, and other financial services. As a responsible consumer, I believe it is essential that the information provided by credit reporting agencies accurately reflects my current circumstances.
Product: Debt collection

Alleged debt bought by Second Round Limiter Partnership. Failure to provide validity of debt and proceeded to put said alleged debt on my credit report, which is against the FDCPA. Item must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX account I wrote out a check out of the wrong account, my mistake, XXXX XXXX never called me or text me about my oversight, instead they sent me a letter by the time I received the letter it my account pass due by 4 days. Before that happened I had 19 yrs of never being late on an account. This caused my Fico to drop by 91 points. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per XXXX XXXX, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Mortgage

In XX/XX/year>, I was behind on 2 payments of my mobile home loan. I contacted a Foreclosure Prevention Counselor ( as 21st Mortgage was telling me to because they said I was in foreclosure ) and together we contacted XXXX at 21st Mortgage on XX/XX/XXXX to inquire on mortgage assistance options. We first asked if there was an application that we could submit for mortgage assistance and XXXX said no. We then asked what mortgage assistance programs they offered and XXXX would not provide any examples. He just said we had to answer questions over the phone with him. After the conversation XXXX then sent a budget analysis that he said would be used to determine any assistance programs. We submitted a completed budget on XX/XX/XXXX. 

I heard nothing from them. On Saturday XX/XX/XXXX I received an email from XXXX claiming to be XXXX 's Supervisor. On Monday, XX/XX/XXXX I called in with the Foreclosure Counselor again and XXXX said that they cancelled the assistance offer. They stated that XXXX called and left messages on XX/XX/XXXX for an offer of {$240.00} down and they would write off the rest. I did not receive any messages by phone or email from XXXX. This offer was no longer valid as they indicated I would have needed to respond by XX/XX/XXXX ( the same day the offer was allegedly received. ) I offered {$300.00} down and asked if they would honor the offer in addition I would make the monthly loan payment that was due in XXXX by XX/XX/XXXX. They said they would reconsider and hung up on us. I even called back and spoke to XXXX about the {$300.00} payment that I was willing to pay and she said to wait until the decision on the assistance. 

On XX/XX/XXXX I received a message from a XXXX stating my account was due and I needed to contact them. I called in again with my Foreclosure Prevention Counselor and spoke to XXXX. She stated that my assistance application was denied. She further stated that they spoke to the XXXX  Manager on XX/XX/XXXX on my status with lot rent. This is not true as I spoke to her ( XXXX XXXX XXXX XXXX who stated she had not talked with them in the last 3 weeks. XXXX also claimed that the first offer was denied because they couldn't reach me as I was blocking their calls. Once again, this is not true as XXXX claimed he left messages for me. Either way I received no calls or messages from them. 

As of XX/XX/XXXX I offered them {$300.00} on Friday XX/XX/XXXX {$650.00} ( my monthly payment ) on XX/XX/XXXX and as of XXXX I would begin making my monthly payments and additional {$300.00} each month until it is caught up. They declined and told me that I have to pay it all by XX/XX/XXXX and that was their final option. My total amount due would {$1900.00}
Product: Checking or savings account

On XX/XX/2024, I have tried to load money into my XXXX prepaid debit account from my XXXX XXXX XXXX XXXX. 
I followed this process because such transaction is allowed by the terms : XXXX XXXX XXXX Specifically : " How do I add money to my XXXX account. 
Debit card You can add money to your XXXX account by linking and transferring from an external debit card. '' After several attempts to add funds, my XXXX account was locked. I have received the following email from XXXX : " For security reasons, your XXXX Account and card have been temporarily locked. 
For more information, please call us immediately at XXXX available 24/7. '' I have called 5 times, trying to unlock my XXXX account, but customer service representatives were giving me constant run around. 
One of them mentioned that I have violated the terms of the XXXX Member Agreement. When I asked which terms did I violate, they could provide an answer. 
I have escalated call to a manager, who told me account is locked and there is nothing they can do about it. I do not understand the purpose of such customer service, where noone knows their job or can answer questions about the financial service they provide. 

I have followed all processes and was doing something that is advertised, yet when my account was locked, I got no help from XXXX. 
I have also XXXX XXXX prepaid accounts. They were also automatically locked.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

My phone was stolen. And XXXX  usd ( two transactions XXXX usd each ) were transfered to someone named XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3. XXXX/XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Product: Mortgage

I applied for a HELOC with US Bank and they approved me but required that my previous HELOC with XXXX XXXX be paid off as well as an XXXX card. 

They indicated that those accounts would be paid off through the new loan and included a disbursement sheet which listed check numbers and amounts to those to companies mentioned above. 

The loan closes and the accounts are never paid off. I had to use my HELOC funds thinking I received the remainder of the loan amount. Now i have all three of those accounts which need to be paid still which I can not do because I should have never qualified for this loan while keeping those other accounts open. Now I have 3 mortgages on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the repossession on my account through XXXX and it came back that it was accurate but I have paperwork that shows that the balance is {$0.00} and the account was cleared off XXXX XXXXXXXX XXXX credit and she was the primary account holder so it should be cleared off my credit!
Product: Debt collection

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, CAPITAL ONE HAS PROVIDED ME WITH A RESPONSE TO A COMPLAINT THAT I FILED, I THEN RESPONDED TO THIER COMPLAINT, IT IS NOW XXXX XXXX, 2015 AND I HAVE NOT HEARD BACK FROM THEM IN REGARDS TO MY RESPONSE TO THEM. SO I WOULD LIKE FOR THIS TO BE PROVIDED TO THEM IN REGARDS TO THEM FAILING TO RESPOND BACK TO ME IN THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. 

I HAVE PROVIDED CAPITAL ONE WITH ALL THE NECESSARY INFORMATION THAT THEY HAVE REQUESTED FROM ME SEVERAL TIMES, THE LAWS REQUIRES DATA FUNISHERS ( WHICH IS CAPITAL ONE ) TO HAVE BOTH XXXX % COMPLETE AND ACCURATE RECORDS AS YOU CAN SEE FROM THIER LETTER SENT TO ME, CAPITAL ONE MUST NOT HAVE ACCURATE RECORDS IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST MY ACCOUNTS INFORMATION FROM CAPITAL ONE AT ANY TIME, AS LONG AS CAPITAL ONE IS CONTINUING TO PROVIDED INFORAMTION TO THE CREDIT REPORTING AGENCY 'S. 

AS CAPITAL ONE IS NO DOUBT AWARE WHAT THEY ARE DOING BY CONTINUEING TO REPORT DISPUTED INVALIDATED INFORMATION ON THESE ALLEGED ACCOUNTS IS A VIOLATION OF THE FCRA LAWS. 



I am writing in reference to the dispute the accounts referenced here in my letter ( CFPB # XXXX ; XXXX ). 
I have disputed these alleged accounts information as inaccurate with Capital One, and you have come back to me and stated you were able to VALIDATE these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted Capital One myself and have been unable to get you to legally VALIDATE these accounts in their entirety. 
I enclose copies of my requests for you to VALIDATE these alleged debts in their entirety. These alleged debts are not mine and I was given any evidence of my obligation to pay these alleged debt to Capital One. 
The FCRA requires Capital One to VALIDATE the validity of the items within 30 days. If the VALIDATION can not be verified, Capital One is obligated by law to remove these items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged a doctors visit from a doctor named XXXX XXXX XXXX. I have mever been to or rendered service from this doctor. That charge was sent to a collections agency named Choice Recovery. Which in turn negatively impacted my credit score. The doctors office stated today XX/XX/22 at XXXX that they have told the collection agency choice recovery that I am not a patient and to remove my information from their collection activities. I have made several disputes online with all three credit reporting bureaus. Choice Recovery is failing to remove the collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with SYNCB/JCP ( JC Penny Credit Services ) XXXX time on a billing dispute for an account. Their contact information is as follows : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This issue concerns an account that was opened briefly for {$200.00} on XX/XX/XXXX and closed soon thereafter " PAID IN FULL ''. 

The creditor attempted to levy a {$3.00} late fee in XX/XX/XXXX. I called spoke to the service center and was informed that the fee was waived and the account closed. The balance at the time of closure was actually XXXX XXXX ( {$00.00} ) in my favor. 

At some point in the fall, I received another notice from SYNCB/JCP concerning the late fee for this account. I called their customer service center and was informed that there would be no late fee, it was a computer glitch and that the balance within the closed account was again + ( {$00.00} ) owed to me. 

This morning, I noticed that my XXXX score had dipped from XXXX to under XXXX. When I investigated, I learned that SYNCB/JCP had reported the aforementioned account as delinquent for the months of XXXX and XX/XX/XXXX. 

Again, I called their service center at ( XXXX ) XXXX and was assured by the representative that the account was not delinquent. 

I am escalating to your office because there appears to be a pattern of misconduct with this creditor. They are now beginning to affect my credit rating and I do not trust them to remediate the situation properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX XXXXt # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 purpose.
Product: Debt collection

CREDIT SCORE XX/XX/2015 -- -- -- -- -- MIDLAND FUNDING LLC # XXXX XXXX , CA XXXX XXXX -- - Remarks XXXX PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im hoping someone can help me with the violations against me. I have sent several letters to XXXX and Experian and my most recent letter has been over 60 days without a response, Experian and XXXX are in violation of FCRA 15 USC 1681a ( 2 ) ( b ). 
I never gave any written instruction or consent to furnish this information. Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violation and this violation can be fined up to {$1000.00}.
Product: Credit reporting or other personal consumer reports

When going through my credit profile I seen hard inquiries on my report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( XXXX, Experian and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from XXXX. XXXX sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from XXXX stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I closed my account after being informed by the company that I needed to provide bank details due to a fraud alert associated with the account I was using. This alert occurred after I had made approximately five payments. Upon closing my account, I requested that the company send me the final statement via mail so I could pay off the balance and ensure the account was settled with a XXXX balance. However, I never received a bill. 

In XXXX, I noticed a significant drop of XXXX points on my credit report due to a missed payment for that month. I promptly contacted the company, paid the balance in full, and they assured me the issue would be corrected. They also provided a letter confirming their intention to resolve the matter. 

Despite this, I recently received another negative mark on my credit report for XXXX, indicating I was 30 days past due. When I contacted the company to escalate the issue, they informed me that they could not take further action and advised me to dispute the matter with the credit bureaus. Although I have submitted disputes, the company continues to report inaccurate and misleading information to the credit bureaus, which remains unresolved.