23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter dated XX/XX/XXXX from Chase, informing me that they were closing all of my accounts, which includes one checking account and six credit cards. I have been a Chase customer for over a decade and the reason provided was " XXXX and other regulations ''. I am confident this is a mistake and I have never participated in illegal activity. 

Aside from this being an incredibly unconstitutional action ( de-banking a lawful, U.S. citizen from the largest bank in the world ), Chase is refusing to refund my annual membership fees tied to my credit cards. These were all paid in XXXX XXXX and I would have never paid them if I knew my accounts would be closed. I obviously am not benefiting from the rewards offered by the card ( eg, airline lounge access ). 

I paid {$760.00} in ANNUAL fees. I primarily signed up for the highest fee card ( {$520.00} ) for airline lounge access, and most of my travel is starting in XXXX. I only used this benefit ~XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX I in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my XXXX  credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX report : 1. Shows no payment history, but XXXX do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?
Product: Credit reporting or other personal consumer reports

Equifax shows information on my credit report that doesn't belong to me this unbelievable I've had my identity stolen from my car when I was XXXX years old. This concern is pertaining to XXXX XXXX XXXX the report shows that I owe {$3600.00} not sure what the exact amount was that I saw I'd have to go back and look but I've written a letter for them Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is a significant source of concern for me. I am deeply worried about its impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to stress the severe financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, 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 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 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 or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account on my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have entries associated with fraud removed from my credit file. 
The fraudulent account in question is as follows : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Opened Date : XX/XX/year> o Balance : {$3800.00}
Product: Debt collection

I've learned that Phoenix Financial Services is a debt collecting agency after I saw this debt collection show up on my credit report. I contacted Phoenix to get information about the creditor as I'm unaware of who they are. They did tell me the bill from this creditor is from XXXX. It's now XXXX. I have never received a bill from the named creditor nor have I received a phone call regarding any debt. I have had the same phone number for 20 years and while I have moved, my mail had been forwarded to current address. Why have I not heard from the creditor or this collection agency regarding this bill over the last 2 years? I last spoke to Phoenix collection agency on XX/XX/XXXX once again requesting an itemized bill and information on this creditor and still have received nothing. I confirmed my mailing address, phone number and email. It's been over 60 days and still have received nothing. I can only assume this is fraudulent as this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change.

15 U.S.C 1681 section 602 A States I have a 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 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Student loan

I received a notice from NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING dated XXXX XXXX, 2017 about a loan consolidation loan program. 
I believe that NAVIENT is a debt collector trying to misrepresent that they are licensed and have the right to offer such consolidation program without notification that I have the right to dispute such an alleged debt in it 's entirety. I have no knowledge and consent to contract to such debt collector without disclosure of the nature of their business and authorities to offer such loan program.
Product: Credit reporting, credit repair services, 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 XXXX  XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  XXXX, Account # 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 items of information, other than records of convictions of crime 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: Checking or savings account

Beginning on XX/XX/XXXX we signed up for XXXX. Every month since then we were double billed for XXXX. The period from XX/XX/XXXX thru XX/XX/XXXX we were billed for {$17.00} and XXXX. From XX/XX/XXXX thru we were billed {$9.00} and {$19.00}. In XXXX we noticed the double billing and contacted XXXX, they apologized and said they could only credit us for 5 single charges. XXXX said to contact our bank to get the credits. Some time in XXXX we sent a letter to B of A requesting the credits. We didnt hear back from them so I resent the letter through certified mail on XX/XX/XXXX. To date we have heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to experian, XXXX and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check wrote to my company XXXX XXXX for {$25000.00}. Truist restricted my account before even trying to contact maker. Today is the XXXX my funds are clearing on the XXXX of XXXX but Truist is telling me I may not get my funds and theyre closing my account even though my check is going to clear.
Product: Money transfer, virtual currency, or money service

I have the Direct Express card thru SSA and have learned that their dispute resolution investigation means the merchant will always win and even if you get any resolution, the permanent decision in your favor can still be debited at any time after case closed. The don't even list what they're debit for or warn you..us low income XXXX individuals are at their mercy We can't add funds or keep more than {$2000.00} on this card, pending doesn't mean " hold '' on a debit card so hotel reservations or gas stations lock up urn $ $ for up to 90 days now!!! They get their money instantly XXXX but any return takes 7-10 days with receipt. or online purchase made after ID theft ( homeless and W/o shelter..it 's a b**** to try and carry everything on ur back, especially when ur XXXX and victim of authority that entrap you and partner with rules they make up as they go along depending on how you look that day and don't even care about identification or reporting ID misusage by people you think are ur friends No protection, worse for protected person, easier for abuse of anything and anyone w/o shelters that say their full but COVID gives them an excuse. Then no $ $ and no phone or Internet sometimes plus nowhere to charge on. Library is closed and no transportation. Finding a place to XXXX without buying something is impossible. Waiting on deposits at hotels has been a problem lately because by the time they're refunded someone has caused damage and being like this gives them an easy target and they can't remember, think you can't or don't know how to dispute it. Kinda like guilty before innocent, poor will always be there and if you try to be proactive, they will find something wrong to stop you from telling on them, the merchant. Found out a merchant can overdraft ur account ( mine is - {$190.00} ) do they get charged for that cause I can't even OD {$10.00} like they advertise I had to dispute the ATM fees once ( first one isn't really free - ever ) and no way I mail or afford to fax dispute forms. They say they never ask for your PIN or personal info but try calling the toll free # to verify. Also they ask you questions after like dates and amounts when they should have it right in front of them. Lost your card and recording says " we are experiencing a high volume of calls, please call back at a better time '. Is there ever? I don't have good enough credit to open a local checking account ..any suggestions?
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting several late payments on several accounts, these late payments are adversely affecting my credit and I have requested that XXXX, Experian, & XXXX provide me with evidence that these late payments are indeed correct. 

The account in question are 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 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 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be XXXX  % accurate, XXXX  % verifiable, and reported in a timely fashion. I am well aware you have XXXX  days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XX/XX/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 and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.
Product: Mortgage

My wife and I applied for a loan modification with US Bank and submitted a package to the bank as requested. However, it appears we were " dual tracked '' and a foreclosure proceeding began despite our filing for loss mitigation. A foreclosure was initiated on XX/XX/XXXX2015 despite our submission of loss mitigation paperwork and a subsequent letter for additional information with an XXXX/XXXX/2015 due date. 2 days prior to the said due date for additional information ( which was submitted on XXXX/XXXX/2015 ). A foreclosure complaint was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : .XXXX Inquiry Date XX/XX/XXXX XXXX   Inquiry Date XX/XX/XXXX 2017
Product: Credit card or prepaid card

Bank of America blocked my checking and credit card accounts claiming that my residency documents were invalid. 

In the letter asking for my residency verification, XXXX of the accepted documents was an XXXX As I am currently in XXXX status, I provided Bank of America XXXX XXXX XXXX and XXXX. Despite providing the document proving my current residency status in the USA, Bank of America refused and claimed my XXXX was invalid because I am on XXXX status. A couple of phone calls later, they asked me to close both my account with them. I went ahead and closed my checking account, but while closing my credit card account, they refused to let me redeem the cashback amount of {$75.00} that I earned. 

Bank of America claims that my account is locked, so they can't let me redeem my cashback, but they can happily accept my payments to close the account. 

I find it unacceptable that a financial institution in the USA can force me to close my account without any valid reasons and, on top of that, not allow to redeem my own money.
Product: Money transfer, virtual currency, or money service

Please do not hesitate to help me as I XXXX citizen there's no doubt for that, my heart belongs and loves United State of America, please be there and be kind to help me in times of difficult situation of mine to keep going to live. This really affects me a great impact/big deal about closing my account for no reason. I came here to CFPB to help my problem and advocate my favourable concern, I'm not a bad guy or bad person and also I'm not a hacker or else doing something illegal to closed/shut my account off. I am hoping PAYPAL a good company address my problem and justify it fairly. Reinstate my account is my privilege and blessing to continue use my paypal account and to use my pending/hold balance. Due to this problem Im facing, it cause me XXXX XXXX.
Product: Checking or savings account

First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.
Product: Debt collection

This was medical debt from an XXXX XXXX hospital that had my wrong address and wrong phone number on file from 20 years ago and sent the collection efforts to the wrong place through a billing mistake. I resolved the debt with the original hospital which has recalled the debt from the collection agency. As the debt has been recalled it does not belong to this company and is not/was never late. They are attempting to negatively report on assets that they are not authorized to collect.