23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX has failed to respond to my request for debt validation.I requested documents to verify original delinquency date, contract showing I agreed to pay, and itemized list of debts. XXXX refuses to send me documentation. They have transferred my debt to another debt collection agency XXXX XXXX XXXX XXXX and they are reporting a different balance owed.I have also requested debt verification from XXXX XXXX XXXX XXXX to no avail. Request was made over XXXX  days ago.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/year>
Product: Credit card

My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. 
The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.
Product: Checking or savings account

On XX/XX/2018 I deposited a cashiers check issued by XXXX XXXX XXXX in the amount of {$14000.00} into my checking account at the Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( receipt attached ). On XX/XX/2018, Chase Bank froze my account telling me that it was because the teller did not scan the check and they couldn't locate it at the branch. I could not access any of the funds in the account and was later able to transfer the other funds, not including the {$14000.00} into a new account with Chase Bank. To date I have still do not have access to the {$14000.00}. After repeated visits and phone calls with Chase the issue has not been resolved. The main contact with Chase has been XXXX XXXX, Vice President XXXX XXXX.
Product: Student loan

I paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX bankruptcy 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 15 U.S.C 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 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 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax in XX/XX/2018 regarding an incorrect item being reported on my credit report for XXXX. I informed them I never opened any account with this company, nor did I give anyone else authority to sell my personal information to a third party. Since they did not have my authorization they should not have placed anything related to HIPPA in my personal credit file. I have been asking Equifax for proof, a signed contract, and validation and verification, which they failed to send me. I disputed this account with all three CRAs and XXXX and XXXX removed these accounts back in XX/XX/2018. Equifax has willfully ignored my request and violated my consumer rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Bank account or service

Hi, I was told by Bank of America that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a " business decision ''. I am certain that Bank of America can make the same " business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Bank of America - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Bank of America has the ability to lift this charge. 

Thanks!
Product: Credit card or prepaid card

I initiated a balance transfer from my XXXX  credit card, specifically a Double Cash Card, to my Chase credit card, specifically United Airlines card, which registered on my statement on XX/XX/XXXX. I was charged a balance transfer fee on the XXXX  on XXXX when it was completed. However, the payment of {$1400.00} was never applied to my Chase United card. I contacted Chase regarding the issue and was told that a temporary credit would be applied on XXXX as they did an investigation. On XX/XX/XXXX, I received notice that they had completed their investigation and found no evidence of payment so my temporary credit was removed. At this time, I have charges for the same amount on two credit cards but both credit cards have been notified of the issue and neither has resolved the issue. I have the most concern and grievance with Chase for depositing a check that they did not properly apply a credit or investigate any questions or concerns for a check despite it being months that they should have noticed and resolved this issue. Additionally, it is frustrating that online customer service can provide little support and that the credit card company is wasting my time by not solving a problem that is their fault. They deposited a check without properly applying the credit and then did a poor investigation without contacting the issuer of the balance transfer despite being provided the contact details. There should be a standard for handling balance transfer issues that is industry-wide that does not place blame on the consumer. Credit card companies should work together and have a better system to handle these issues. Checks should also not be deposited if the details do not match up or if there is any question about where it should be applied. I demand another investigation and the removal of the credit on one of the accounts, preferably the Chase, as well as any fees incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with Bank of America and had checks written that I did n't write but everything was paid off but still red flagged me and I ca n't open account at any bank but account was closed and paid off. Just would like to open a checking account again. It has been 4 years since I had it. Thanks  XXXX   XXXX
Product: Checking or savings account

I am writing to address a distressing matter concerning the closure of my Wells Fargo account and the failure to receive the promised {$320.00} bonus under a promotional offer. On XX/XX/XXXX, I opened a Everyday Checking account with Wells Fargo in response to a promotional offer that entailed receiving a {$320.00} bonus upon making a direct deposit of {$1000.00} or more. I promptly fulfilled this requirement on XX/XX/XXXX, fully expecting to receive the bonus as per the terms outlined by Wells Fargo. However, before I had the chance to receive the promised bonus, my account was abruptly closed on XX/XX/XXXX, citing inactivity within a mere 60-day period. While I acknowledge that there was indeed no activity within this timeframe, the duration of 60 days is unreasonably short. What exacerbates this situation is the lack of any prior warning or notification from Wells Fargo regarding the impending closure, depriving me of the opportunity to take corrective action. The closure of my account results in the forfeiture of the {$320.00} bonus that I rightfully earned by fulfilling the terms of the promotional offer. It is deeply disappointing and disheartening to have been denied this incentive due to circumstances beyond my control. I demand immediate redress from Wells Fargo. Firstly, I expect the promised {$320.00} bonus to be promptly credited to me, as originally agreed upon. Additionally, I urge Wells Fargo to review its policy regarding account closure and provide customers with adequate notice and opportunity to address any concerns before taking such drastic actions. Furthermore, I request a thorough investigation into this matter to ascertain why I did not receive the bonus despite fulfilling all the stipulated requirements. It is imperative that Wells Fargo upholds its commitment to customer satisfaction and transparency in all its dealings.
Product: Mortgage

Mr. Cooper is the most third class mortgage servicer, this is completely nonsense. I called them on XX/XX/XXXX to modify my monthly payment because of this pandemic. that is called pandemic payment modification. They said they will definitely do it and get back to me within 7-10 business days and now it is 17 days, and they haven't gotten back to me on this. I am really frustrated and do not like the way this company works. 

They really get to the nerves of their customers, greedy company who just thinks about money and nothing else. 

I am also trying to login on the website of Mr Cooper from last 5 days but the website is just scrolling and the server is not responding, I am not able to login on my Mr. Cooper online platform.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt just showed up on credit report i received no notification, no calls or emails.
Product: Debt collection

I am writing to dispute a debt collection notice I received from your agency, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Upon review of the notice, I have identified several discrepancies and potential violations : The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is not mine. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests. 

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification. 

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Debt collection

There is no balance with XXXX. When collector called they were threatening and would not stop calling to collect money I did not owe. No matter how many times I explained there was no balance.
Product: Debt collection

This debt collector is trying to collect funds on medical bills that are not valid. I am a 100 % XXXX Veteran with complete healthcare coverage- covered by the XXXX XXXX All of my medical bills are covered by the VA for the rest of my life. This company has added two different collections to my credit report, in the amounts of {$1300.00} and {$510.00}. They are not valid. It's a shame that companies like this exist and that I have to take time away from my health, to deal with this sham of a company.
Product: Vehicle loan or lease

I recently reviewed my credit report and noticed several fraudulent accounts. These inaccuracies are negatively impacting my credit. Please investigate and remove this incorrect information as soon as possible. Thank you in advance for your assistance.
Product: Money transfer, virtual currency, or money service

No customer support. They are supposed to provide a number, and live agents. They never offered any sort of assistance.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the XXXX report, it became apparent that 3 credit bureaus are not obstructing records. I'm sending XXXX XXXX to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX.
Product: Credit reporting, credit repair services, 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 update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I hereby file a formal complaint against Chase who is servicing my lease on behalf of XXXX XXXX no the account ending in XXXX. The lease end process resulted in increased charges and threats by Chase due to incorrect lease return information on Chase 's part. 

The vehicle was lease returned in XXXX ahead of its maturity date of XXXX 2020. At that time I leased a new vehicle from another manufacturer, this dealer made the remaining payments on my behalf. 

I received a " Notice of Intent to Sell Leased Vehicle '' on XX/XX/XXXX20 stating that there is a " Gross Early Termination Amount of {$40000.00} '' as a balance due to early lease termination. This is incorrect as I did not terminate the lease early as all contractual payments were made. I confirmed my assertion with Chase via a phone call on XXXX where the agent confirmed that all 36 contractual payments were received as of XX/XX/XXXX. In addition Chase sent me a letter dated XX/XX/XXXX20 stating that " The remaining balance owed on your lease is {$0.00} ''. 

On XX/XX/XXXX20 I received a letter from Chase stating that " The remaining balance owed on your lease is {$860.00} and it is due now ... You can refer to your lease agreement on how your Early Termination Liability was calculated ''. Again, this was not an early lease termination, but rather an early vehicle return where all 36 months payments were made. 

In order to avoid negative credit reporting and collection efforts I paid the {$860.00} over the phone on XX/XX/XXXX as the agent did not seem to have any information regarding the prior communication received from Chase and said they would have to investigate the issue. In addition the agent read the Mini Miranda stating that this was an attempt to collect a debt. 

I hereby formally dispute the lease end amount as the vehicle was not an early lease termination as Chase provided information that all contractual payments under the lease were made. I believe Chase 's lease end process does not have appropriate controls in place with XXXX to ensure appropriate vehicle grounding information to support lease end of lease processes and avoid threatening letters to its customers. At best this is unfair treatment and from a customer perspective I felt deceived by Chase and am now paying additional money at lease end as Chase calculated a " Early Termination Liability of {$2500.00} '' resulting in a " Total Amount due of {$860.00} '' whereas the lease end vehicle condition report states a " Total Amount due of {$530.00} ''. As such I believe Chase overcharged me at lease end by {$330.00} due to its lacking internal controls at lease end. 

I am issuing this complaint with the ask for Chase to refund of the overcharged amount. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since 2021 I have been disputing this debt, and XXXX has been silent. I have never received any information regarding the debt and then they sued me for it. In negotiations with their attorney I paid the debt in full in exchange for it to be removed from my credit report. They dropped the lawsuit and only removed it from my XXXX credit report but left it on my experain and XXXX credit report. I simply want it removed from all my credit reports and the agreement I made with their attorney to be upheld. I disputed this multiple times to no avail.
Product: Debt collection

We found that we had a lien on our names and contacted the company who filed the lien. This company told us the debt was sold to XXXX XXXX XXXX, XXXX. Upon further investigation, we find that this company filed for dissolution. The company is no longer answering calls and we need to know what has happened to the debt so that any judgements or liens can be cleared.
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX BMW ran my credit report through them and financial institutions without my authorization. I specifically asked them not to do this and they fraudulently did this without my authorization. I have proof showing that I didnt authorize my credit to be ran. The representative I spoke didnt apologize or try to rectify her response was I should have told a manager. When I specifically in writing and over through communication do run my credit report through banks and her response was yeah sure. This BMW XXXX in NJ and BMW financial is running by unlawful practices. And I request all inquires be removed by them and/or refusal will have to pay a minimum of {$1000.00} of any lost that a pull from unauthorized credit pull caused me.