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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was 120 days late in both XXXX and XX/XX/XXXX and that is what I pointed out before ... and this is inaccurate. On XX/XX/XXXX, I pointed out with evidence that there are different dates for those months than what XXXX is showing for this account. According the Fair Credit Reporting Act, all credit bureaus must report the same information or it is deemed innacurate, which is predatory and illegal. Also, I was looking over my payoff agreement with XXXX XXXX, and it says after I pay this off it will show paid in full. It doesn't say anything about it reporting as a charge off. Due to the fact you still haven't fixed this after asking you 4 times, I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting or other personal consumer reports

I feel that I have really done my part trying to remove all these things over the years and they haven't by law removed it so I feel that y'all should be able to look into this and remove these things immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX  XXXX XXXX  then sold this account to XXXX XXXX XXXX XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME XXXX XXXX HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
Product: Credit card

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with Capital One nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Product: Credit reporting or other personal consumer reports

I am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 
These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Equifax should make sure to put my correct personal information on my credit report. This information : XXXX XXXX XXXX XXXX is incorrect and should be removed and updated. The employer listed as XXXX XXXX XXXX is incorrect ; the correct employer is XXXX XXXX XXXX XXXX. The inaccuracies reported on my credit report are a violation of the maximum possible accuracy under 15 USC 1681e ( b ), which includes making sure that only correct and authorized information is provided. Failure to remove this may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Student loan

I notified two company by the name of XXXX XXXX XXXX XXXX and XXXX XXXX, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX both by U.S. Postal Service regarding an alleged debt of XXXX dollars. I have reason to believe I do not owe this debt because I believe they have me confused with a different person, and because the alleged debt is so old it no longer owe it under state law. This debt does not show up on my credit report. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in [ my state ]. 
Non of these information was provided to me I also noted that Because I was writing the company within 30 days of being notified by the company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

They continued to move forward to collect the alleged debt from me and garnish wages without validation. 
This a violation of the Fair Debt Collection Practices Act.
Product: Checking or savings account

Chase closed my account and when I called for a reason I was told it was confidential and they can't give me a reason why, even though I am the account holder. My account always had money, I would get direct deposits weekly. I overdraft only once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me. 

XXXX without my authorization took it upon themselves to place a personal fraud statement on my report, and then XXXX sent a notification to both Experian and XXXX XXXX also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

Exerian in response to this request by XXXX  placed the following statement on my experian report. 

Personal Statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

I did not make this statement and do not appreciate experian placing it on my report and exposing my phone number.
Product: Credit card

I had a Chase Reserve credit card with {$620.00} annual fees ( It is now downgraded to Chase freedom - no annual fee credit card due to how badly their customer service handled my request for info on why so much interest charged for a small underpayment ) and recently faced two problems.

1. I had the above card for several years and never missed a payment, always paid in full. In XXXX 2023, I was traveling and setup an estimated payment of {$3500.00} a week before due date and didn't notice some tail end charges that added up to {$3700.00}, so it was {$260.00} shy. For this miss, Chase charged an interest of {$56.00} within 2 months ( i.e {$330.00} per year ). This seems like predatory, loan shark kind of behavior. 

2. On their website, they boldly advertise " Complimentary Airport Lounge Access '' ( please see : XX/XX/XXXXXXXX ) and we paid the fees for that advertised benefit. On XX/XX/XXXX, when I tried to use this benefit, I was denied access to the empty lounge - they stated " it was reserved for VIP passengers ''. I asked Chase to compensate me for this experience ( expecting maybe a {$50.00} credit - typical lounge paid access cost ) but instead their customer service chose to point me to the fine print which I am sure is buried in there somewhere. So at this point, I am requesting a refund of the full {$620.00} paid in annual fees for this card for the last year - I was advertised a benefit that they were unable to provide when it mattered- and that is false advertising imho.
Product: Checking or savings account

Hello two months ago I reported a fraud on my account with a transaction of XXXX  $ in Oklahoma I never been to Oklahoma so I called chase bank and they fixed it and now they reverse it back and now they are asking for proof I don't know how to show them proof if I never been to Oklahoma.
Product: Debt collection

Collection Agency : Portfolio Recovery Associates Original Creditors : 1. XXXX 2. XXXX XXXXXXXX 3.  XXXX XXXX ( aka XXXX Bank ) Portfolio Recovery Associates ( PRA ) has purchased ( 3 ) of my time-barred debt accounts, which are listed above. They are being reported to the major credit reporting bureaus as newly opened accounts, which is inaccurate and misleading at best. Additionally, they are being reported with inaccurate amounts and last payment information, for which I have emails to prove from the original creditors. 

Further to my concerns are that I've received threatening phone calls and robocalls. 

My concerns with each are as follows : 1. XXXX ( ending XXXX ) : This account is being reported as being opened in XX/XX/XXXX, and with a collection amount of {$840.00}. However, this account was closed on XX/XX/XXXX, and the last payment was on XX/XX/XXXX, and the balance at the time it was closed was {$480.00}. Where did the extra {$300.00} come from? The original creditor shows a closing balance of {$480.00}. I notice they no longer show the account on their website, but they are still reporting it to the credit reporting bureaus. 

2. XXXX XXXXXXXX XXXX  XXXX ( ending XXXX ) : This account is being reported as being opened recently as well, with a collection amount of {$1700.00} and the last payment in XX/XX/XXXX. However, this account was closed on XX/XX/XXXX and the last payment was on XX/XX/XXXX. Again, this was confirmed by my original creditor and I have emails that prove this as well. 

3. XXXX Bank ( ending XXXX ) : This account is being reported as a new original creditor account in the amount of {$1400.00}, but was was sold in XXXX and has been closed for almost ( 7 ) years. 

Lastly and what alarms me the most, there was a time-barred XXXX account ( XXXX ) in the amount of {$1100.00}, that they sued and garnished me for, which I paid in full before I understood and did any research on what time-barred actually meant. I am certain that they employ misleading and deceiving collection tactics, because they have shown me on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports and noticed some inquiries that I didnt authorize. I have sent in multiple dispute letters to the credit bureaus, to resolve this issue. But the issue still hasnt been resolved.which is a violation of the FCRA section 604 since there are inquiries that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Product: Bank account or service

There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries.
Product: Checking or savings account

Re : Closure of Account Request for Explanation and Reconsideration Reference Number : XXXX To Whom It May Concern, I am writing in response to the letter dated XX/XX/year>, which I received from your office, informing me of the impending closure of my account ( account number XXXX ) effective XX/XX/year>. I am deeply concerned and perplexed by this decision, which appears to have been made without prior notice or explanation. 

As a loyal customer of TD Bank, I find this action unjustified and detrimental to my financial wellbeing. The letter states that TD Bank can no longer support my banking relationship due to an internal review, but it fails to provide any specific reasons or evidence for this decision. This lack of transparency is unacceptable, and I demand a clear and detailed explanation for the closure of my account. 

I require the following information as a matter of urgency : 1. A comprehensive explanation of the reasons behind the decision to close my account. 
2. Any specific findings from the internal review that led to this decision. 
3. Details of any alleged breaches or issues related to my account. 

Until these details are provided, I formally request that the closure of my account be suspended. I also expect immediate clarification regarding this matter to avoid any unnecessary disruption to my financial affairs. 

Please treat this letter as a formal notice of dispute regarding the closure of my account. I expect a written response within 7 business days from the date of this letter. Failure to provide a satisfactory explanation will compel me to seek legal advice and explore further actions to resolve this matter. 

I hope that TD Bank will handle this situation with the urgency and seriousness it deserves. 

Yours faithfully,
Product: Vehicle loan or lease

After an accident my car was totaled. My insurance company offered {$12000.00} which I accepted. I still owed {$6000.00} .Hyundai finance would not release the title of the car unless they received the full settlement and told me that they would refund {$6600.00} to me after payment. They cashed the payment from the insurance company on XX/XX/2021 .after many phone calls ( they do not have a email address ) I am always told that a request for payment has been sent to the payment department. No payment has been made as of XX/XX/2021.
Product: Credit reporting

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX XXXX XXXX. 
XXXX accounts with Dept of Education XXXX with acct. number XXXX reporting inaccurately. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly. 
XXXX account with XXXX XXXX acct number XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account, XXXX # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I am a veteran so I cant get payday loans.  Look me up.  Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me.  Also where is my actual signature.  Electronic signature I  would never do that for a loan.2nd this person was awfully rude.  Unbelievably rude.   That is not my bank if you must know.  I go to a well known bank which I won't be giving any information because I still do not know whom this company is.Because I do not know whom you are.  The number you gave me was out of state.  Now you are being incredibly rude to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection acct with a credit collection services. They had a debt for XXXX insurance  I had. Its {$340.00}. I actually paid the debt with XXXX when I switched back to them. And it was reported paid in full. At this time I am now trying to get a home loan. Im a XXXX working with a company and to be able to get approved I need to have credit collection services remove this from my report. The company Im working with has had multiple clients get their items removed from their credit report when requested from credit collection services when asked. However they are refusing to remove mine. I dont feel that its fair to ne that they have removed others via a pay to delete proposal but when I ask them, they are refusing. This isnt a fair consumer proactive. I also have evidence in the form of a letter from them to another client they did remove it from so I know they do it even though they claim they wont. My name is XXXX XXXX and the company is Credit Collections Services XXXX.
Product: Debt collection

Originally contacted by XXXX on XX/XX/XXXX regarding $ XXXX owed due to auto accident I was involved in two years prior. Representative XXXX advised if I did n't pay immediately that I would lose my license. After calling back we came to a payment agreement because I was scared to lose my license. I was not made aware of my rights in disputing this debt and it has taken several calls to get any type of straightforward information from this company. 

At present time I am still not clear on what my rights are as this is a bogus medical claim from an accident that occurred two years ago. I was never contacted by the auto insurance company XXXX that they were pursuing subrogation, nor was I ever contacted by the other parties attorney 's XXXX XXXX XXXX It has taken 3 months of dealing with XXXX to put together enough information to dispute this bogus claim. 

On our original contact XXXX gave me the false impression I had to pay XXXX immediately to avoid losing my license. In follow up conversations that amount was lowered and I was put on a payment plan I never would have agreed to this payment plan without being given false information.
Product: Credit reporting or other personal consumer reports

I have been dealing with this since XXXX of this year, and very soon, I will not be able to secure housing because of this incident with XXXX. We came to an agreement in XXXX that my credit report would be corrected. It is corrected with XXXX, but still has a 120 day late payment listed with Equifax and XXXX. I have disputed this MULTIPLE times with both bureaus and still XXXXXXXX XXXX is communicating to the credit unions that the 120 day late payment should stay on my report, even though I have been assured in writing it will be removed. Please help and finally resolve this.