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

On XX/XX/XXXX, Chase Bank closed all of my personal credit cards and also informed me they will be shutting all of my personal bank accounts on XX/XX/XXXX. I have been a Chase customer for over 25 years and have never been delinquent on any loan and have always maintained all of my accounts in good standing. This decision caught me completely off guard and to make matters worse, when i called Chase and asked them why they are doing this to me, they refused to give me a reason other than " its a bank decision ''. This is no way to treat a customer and it has created a tremendous burden on me and my family. My credit score has also been affected because of my credit cards being shut down.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate or incomplete, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The collection account listed below is being reported inaccurately and I request that it be investigated and corrected : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$2900.00} I have reviewed my credit report and I do not recognize the debt listed in the above account. I dispute the following : 1. The validity of the debt : I do not believe I owe this debt or that the amount reported is accurate.

2. The ownership of the debt : I have not received any written validation of the debt from the collection agency, as required under the FCRA.

Under the FCRA, you are required to investigate my dispute and verify the accuracy of the information in question. As part of this investigation, I request that you : 1. Provide me with validation of the debt : I request that you contact the collection agency and obtain validation, including documentation proving I owe the debt, the amount, and the creditor involved. If the collection agency can not provide proper documentation, the account should be removed from my credit report. 
2. Conduct an investigation into the accuracy of the information in accordance with Section 1681i of the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report.

If you are unable to verify the accuracy of this collection account within the legally required 30-day investigation period, please delete the account from my credit report and send me a confirmation of this action.

Additionally, I request that you provide me with a copy of the results of your investigation once completed, as required by the FCRA.

Please be advised that continued reporting of this inaccurate information may be in violation of the FCRA, and I will not hesitate to take appropriate action if this dispute is not resolved promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report
Product: Debt collection

Summons was filed with the Court for a Judgment on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. I never received it. And a Renewal of the Judgement was filed on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. And once again I never received it. And on XX/XX/XXXX A Writ of Execution was issued. So on XX/XX/XXXX a Wage Garnishment was enforced. So I never knew Professional Collections Consultants was trying to collect on this debt or that I was being sued by them to collect on this debt.i didn't even know I owed XXXX XXXX XXXX XXXX. After talking to my Employer 's accountant & they informed me of who the company that filed the Wage Garnishment was. I researched The XXXX XXXX Court records & found the Civil Complaint that I had no clue of of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.
Product: Credit card or prepaid card

I opened a Kohl 's Charge card in XXXX. Like most Americans, I sit down every two weeks and pay the bills. It's pretty simple, I open the statement, and send the payment. This Kohl 's account was no different. That is until XX/XX/XXXX. Kohl 's failed to send me a statement this month, and as such, I didn't make a payment. I never received any notice or correspondence that a payment was due, or that I was late..this is my wife 's card, so I just assumed there was no balance that month. 

Kohl 's waited 60 days to give me a " courtesy call '' and tell me that my payment was now 60 days late. I was floored. I paid immediately, but the company has refused to correct my credit history. This is a practice that less scrupulous card issuers use to justify raising the interest rates of cardholders that pay on time. It's a crooked business practice, and consumers should be aware not to open a Kohl 's Charge account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX BMW Financial Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from BMW Financial on this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late payments on my report. Both of these are incorrect. I have paid all of my bills on time. The notable late payment is from XXXXBarclays on my XXXX  XXXX XXXX I paid this but the payment did not go through because of the transition by XXXX from XXXX XXXX BarclaysXXXX. I resolved this with the companies, but it still shows on my credit report. 

Please REMOVE THE LATE PAYMENTS on my report as soon as possible. I am applying to new apartments in new York and desperately need my credit score to be above 700. 

Thank you so much for your help. Please don't hesitate to call if you have any trouble resolving these errors. 

Thank you! 

XXXX XXXX XXXX
Product: Debt collection

I am writing this letter to you regarding account number XXXX and XXXX from XXXX XXXX. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Debt collection

Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called XXXX XXXX and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXX to prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is identity theft report with fraudulent account and fraudulent inquiries that are fraudulent and are being reported illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Credit bureas and self lender claimed they did an investigation but that can't be possible when I never have THEM WRITTEN IMSTRUCTIONS to do so All companies involved are in violation of the law!!! 
XXXX XXXX XXXX XXXX PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete

these items as soon as possible! 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 ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Checking or savings account

On XXXX XXXX I was locked out of my online account for Treasury management. After numerous unanswered calls and emails my account was restored with no explanation. On XX/XX/2023 I received a XXXX  with a letter stating my account would be closed on XX/XX/2023. Again after numerous unanswered emails and phone calls to everyone up to the president of the bank I could not get a reason for the closure. I am aware that the bank can close accounts for no reason and have agreed to that in writing, but my agreement clearly states that there would be XXXX  days notice of termination. The immediate cutoff to Treasury Management and ACH transfers has crippled my business and making other arrangements clearly takes more than a week. After dealing with Simmons Bank for over XXXX  years I find this treatment unacceptable. The complete lack of response from the organization and the Bank president XXXX XXXX in handling this needs to be reviewed.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX illegally furnishing collection inquiries on debt without written permission. Lack of confirmation regarding the legitimacy of the debt.
Product: Credit reporting or other personal consumer reports

Transunion has not lifted my credit freeze for over a month it was scheduled to drop XXXX around XXXX but it was never lifter, I called multiple times and reached out to customer service through chat, each time I gave my information and was told my freeze was removed but its not removed i have emails from places Ive applied to stating that my credit is still frozenthis is negatively effecting my earning opportunities, please tell them to fix the issues and remove my freeze now and notify me about it as well or im taking legal action, Ive had enough of this. ive filed multiple complaints already that have not been yet resolved, I have enough basis for a court case.
Product: Payday loan

I took a loan out XXXX/XXXX/2015 with XXXX payday loans for XXXX. Had medical issues and just had a baby to where I was n't able to pay. I recieved a call and voice-mail today disclosing personal and unnecessary info. Called them and the woman, XXXX XXXX was very XXXX and threatening that XXXX needs to be paid today. Advised i do n't have it and can i make payments to pay it off because I 'll take ownership for what I owe. But they do n't want to help and want it paid in full. I 'm a XXXX so I hsve very little income. The finance charge that I later found out was extremely high and was not told that when i signed. I borrowed XXXX, so i was to pay back XXXX at the the end. I asked for the loan agreement but they just wanted to email and sign that I got it ... no i want it mailed and they said they ca n't which makes me suspicious
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the XXXX possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 card

In regards to a fraud charge on a Bank of America Credit Card that they won't resolve : The facts of the case : onXX/XX/23 I was charged {$500.00} exactly from some random company called XXXX .... I have NO IDEA what this charge is. I did my research and the company is based out of XXXX. Reached out several times via email and phone call, nothing back once. I immediately filed a fraud charge, which took nearly XXXX months for them to deny. The FIRST denial letter states that " the items purchased was not returned correctly ... '' I asked for all the paperwork in regards to this and NOTHING was sent. I filed another claim, DENIED again. This time it stated " the merchant provided documentation confirming you received the merchandise ... '' Asked for this documentation as well, also NOTHING sent. Tried for a third time. This go-around I felt good about seeing how the lady I spoke to informed me that the IP address used to purchase the merchandise came from XXXX ( never been to XXXX ) , and was told this should be enough evidence to warrant an legitimate fraud ( was actually told that ) but obviously that meant nothing because I was yet again DENIED. During all these denials I also have been getting charged late fees. It has affected my credit adversely and also my son 's whom we put on the account after the fact so he could have access to the situation and help me. I am nearly XXXX years old and this is absurd. My son has been researching small claims court into suing Bank of America, but decided to go this route first in hopes of some type of resolution. Been on the phone more times than I want to count, been to the branch, everyone throws me in another direction and at this point I'm willing to do whatever it takes.
Product: Debt collection

XX/XX/2022 Midland Funding communicated negative {$4400.00} billing information to credit bureaus XXXX, XXXX, and XXXX without consent directly or indirectly they are a 3rd party collection agency who by identity theft ( Privacy Act 174 15 USC 1692C ) received my personal information from XXXX XXXX XXXX Bank ( original debt collector )
Product: Credit reporting

I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, and Transunion to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Money transfer, virtual currency, or money service

Robinhood chose to close my brokerage account on XX/XX/scrub>XXXX XXXX XXXX 
I was being told they would return the remaining balance of {$5400.00} to either my debit card or my checking account. 
I contacted them today with this matter today. They asked me to provide the bank statement associated with the brokerage account. I submitted. 
Then they sent me an email " As you were previously made aware, we will no longer be able to support you as a customer here at Robinhood. ... ..Please note that this decision remains final and no additional information will be provided. ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 UNAUTHORIZED INQUIRY : XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.