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

I have become aware that files accompanied by an FTC report are not being removed as required. Under FCRA section 605b, it is mandated by law that these items be deleted. Therefore, I am sending this certified letter to establish a legal record. If you do not remove the inaccuracies listed below, which are due to erroneous credit data, I will proceed with legal action through my attorney. My goal is to avoid litigation, so please comply with the law. Per FCRA section 605, you must remove any items listed in XXXX XXXX XXXX XXXX XXXXXXXX. I previously included this report and am including it again. My attorney is prepared to hold you accountable for noncompliance. Remove the following inaccuracies from my credit profile, as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If you assert that these items are accurate and verifiable, provide documentation with my signature. In the absence of such evidence, I request the immediate deletion of this information from my credit file. You have 4 business days to remove these erroneous items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your prompt attention and a response within 4 business days.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXXXXXX  WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Money transfer, virtual currency, or money service

I received a call from phone number XXXX and they identified themselves as being with jp morgan chase saying that there were XXXX XXXX  transactions totaling around {$XXXX} coming out of an account with my phone number and my mom 's maiden name. There is no such account. I ended the call before they could capture any information from me.
Product: Debt collection

1 ) The U.S. Department of Education sold my financial information to a collection agency named National Recoveries , Inc . I just found out about this company. They are a third party debt collector. They fall under the FDCPA. I do not have a contract with them. 

2 ) The U.S. Department of Education/National Recoveries Inc has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies without my consent. 

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my master promissory note which is a negotiable instrument. 

16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit card or prepaid card

I had a credit card with TD Bank. I closed the account in XXXX, XXXX. I kept receiving statements and then a new card in XXXX, XXXX. Each time I called and was told the account was closed. In XXXX, XXXX I received a statement with a balance due. I was unable to call the bank due to their non-functioning callback system, so I went to my local branch. Again, I was told the account was closed. HOWEVER, they insisted that their original terms of service stated that they would keep accepting charges to the account EVEN when it was 'closed ', and there was nothing I could do to stop them. I asked how long they expected to continue accepting charges, and they said 'forever '.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate addresses listed on my Experian credit report. The addresses are contributing to confusion and potentially impacting the accuracy of my credit profile. I request that Experian promptly remove these incorrect addresses from my report. Additionally, I would like to ensure that my employment information is updated. My only current employer is XXXXXXXX XXXX and I request that this be the only employer reflected in my credit report. Please correct these issues as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I expect a prompt investigation and response.
Product: Debt collection

15 U.S.Code $ 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 resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. t has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed with Discover due to them being unable to verify my personal information on my account. I have not been reached regarding this matter and I feel that Discover canceled my card prematurely, without taking any further steps to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Compromised SSN My social security is being used by another person by the name of XXXX XXXX Compromised SSN SSN XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ct First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : ct XXXX
Product: Debt collection

I recently ran my credit report through XX/XX/XXXX. I saw that I had a debt in collections from an e.r. visit I had, years ago. I never received a bill in the mail and had i, I would have paid it or made payments, to pay off the bill. I called the debt collector to come to an agreement on a payment plan and they told me no. That at the very least I had to pay $ 100- {$200.00} a month. I explained to them that I was paying {$300.00} a month in resolving other debts. ( Those two are now removed from credit and the only negative debt I have showing is this one from the hospital ). Not to mention I was in a transitional shelter/shelter, and on welfare getting government assistance and thats where my income came from. It has been 6 years since this account went to collections. I tried to do the right thing and resolve the issue. I even asked if they wiped the interest off completely and gave me the total amount of the bill I would pay it in full. The woman said no. That was a few weeks ago. Since then, just about every other day, I get an alert telling me my collections balance went up by {$1.00}. Is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Equifax XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Dates XX/XX/XXXX : Submitted Federal Commission Trade Identity Theft report ( FTC Report ) and police report of account being identity theft. Equifax, XXXX and XXXX removed XXXX XXXX fraudulent accounts in XXXX. 

The XXXX fraudulent accounts has been sold or transferred to a new creditor named as Department of Education XXXX ( DOE XXXX ) both using prefixed account numbers in the amounts of {$13000.00} each and recently reappeared on my Equifax credit report only as of XXXX. 

I submitted a new FTC report dated XX/XX/XXXX and Police Report dated XX/XX/XXXX fully completed and entered as continued identity theft on my credit report that by law with these documents sent to Equifax in XX/XX/XXXX and again on XX/XX/XXXX with Equifax failure to comply or remove the accounts of identity theft according to the laws of FAIR CREDIT REPORTING ACT ( FRCA ) XXXX ( a ) ; XXXX ( XXXX ) ; XXXX ( a ) ; XXXX ( b ) ( c ) and FAIR DEBT COLLECTING PRACTICES ACT ( FDCPA ) : XXXX XXXX XXXX XXXX which constitutes an immediate removal of these accounts listed above being filed with the Federal Commission Trade Identity Theft report ( FTC Report ) and local police department report of being a victim of identity theft.
Product: Checking or savings account

Dear Wise Team, We have a few things to discuss with you. 
Firstly, our account was unexpectedly locked without any notification via email from XXXX XXXX. Furthermore, during that time, We were informed that a sum of XXXX with ID number XXXX was transferred to the account. Because it was disabled, we could not check and had no evidence to prove that the money had gone into my account. However, On the sender 's side, they have invoices and documents proving that the money had entered our account. ( I will enclose for your reference ) Therefore, we would like you to urgently send our bank statement from XX/XX/XXXX to now. We have waited too long and have suffered a huge loss because of this, so we would like to make an appointment directly at your office in XXXX. Please urgently provide information such as phone number and address so that we can completely resolve this issue. 
Were looking forward to hearing from you soon. 
Best wishes,
Product: Debt collection

I am writing to formally dispute the collection account reported by Columbia Debt Recovery regarding an alleged debt with the original creditor, XXXX XXXX XXXX. This account has been reported on my credit report without my authorization, and I am a victim of identity theft. I have no knowledge of this account, and it does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, I have the right to dispute and request the removal of any inaccurate information, including accounts resulting from identity theft. Section 605B allows me to block information related to identity theft from appearing on my credit report. Additionally, Section 611 mandates that credit reporting agencies must conduct a reasonable investigation and remove unverifiable information. 

Moreover, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from attempting to collect on debts that are not valid or belong to the consumer. By reporting and attempting to collect on this unauthorized account, Columbia Debt Recovery is violating my rights under the FDCPA, which entitles me to legal recourse. 

The continued reporting of this fraudulent account is not only damaging my XXXX XXXX but also causing significant personal and financial distress. I request that Columbia Debt Recovery immediately cease reporting this account and delete it from my consumer report. Failure to do so constitutes a willful disregard of my rights under federal law. 

Please investigate this matter thoroughly and provide confirmation that this account has been deleted from my credit report.
Product: Vehicle loan or lease

Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.
Product: Credit card or prepaid card

on XX/XX/2022, i received an email from Bank of america saying that they received my credit card application, i call them immediately to report it was fraud, not from my. they said they will solve the problem. in the morning XX/XX/XXXX, i received another email from bank of america saying that my credit card application was approved with XXXXXXXX XXXX limitted. I called them right away and they said they will cancel/close the account. then i contacted XXXX XXXX and XXXX to dispute the credit card inquiries.
Product: Credit card or prepaid card

account is closed but i can't get any information on how to transfer the remaining balance.
Product: Debt collection

XX/XX/XXXX XXXX unknown ( private number ) V.m left stating her name is XXXX XXXX an a case has been presented to her for my location and gives me a case number, then preseeds to say my legal right has been forfeited an she will contact previous employers/addresses. Numer to call back was XXXX ) XXXX. 

Called again XX/XX/2020 and left same message. 

XXXX XXXX letter coming in mail from undeliverable address only -XXXX , MI ( which is RPM LLC )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a eBanking checking account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I do not go use BOA branches and access the account online only. And in past 7 years, I didn't receive any maintenance fee charge for this account. 

But when I checked my statement yesterday, I found I had been charged { {$12.00} } maintenance fee since XX/XX/XXXX, and had been charged 17 times, { {$200.00} } in total, resulting a negative {$13.00} balance in my account. So I called the customer service to figure out what happened on XX/XX/XXXX. Then both the agent and his manager told me, on XX/XX/XXXX, BOA converted the free eBanking checking account to Core Checking, and customers would be charged for { {$12.00} } maintenance fee unless they meet certain criteria which were not required for the previous product ( eBanking checking ). They can not refund me the charged fees and closed my accounts. 

I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular monthly statements, online only, the one in XX/XX/XXXX. Finally when I opened this month 's statement, it is on the last two pages ( page5-6 ) and comes after a blank page. The regular statement is 4 pages every month, and in color, but this 'Important message ' is in the last two pages, in black white only. 

This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits, and sell customers the service that apparently does not suit their needs, it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many monthly statements, especially given the fact that this information is attached after a blank page which is usually the ending page of all other monthly statements. The agent told me all the eBanking customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this eBanking account conversion.
Product: Checking or savings account

on XX/XX/XXXX my card was charged at XXXX XXXX  for {$84.00}, i immediately called XXXX XXXX  and they stated that it was a Gas hold and i would need to call Square Banking to have the hold removed. I called SQAURE for three days straight, they told me it was XXXX XXXX  that needed to release the hold, then they told me it was an actual PURCHASE. on XX/XX/XXXX i disputed the charge online. i provided documentation from XXXX XXXX  stating that the hold was released. SQUARE never called me back. I have been trying to contact them for three weeks and no one is answering. when i send an email they say they will call me back and never call. I emailed XXXX, XXXX, XXXX XXXX, and XXXX. all reps saying they will call me in regards to the dispute and have not responded. I need a response.
Product: Checking or savings account

On XX/XX/XXXX, while trying to make a purchase, both of my CCs were declined. I call Chase and I was told the bank had decided to close my accounts. They mentioned my credit cards accounts had been closed that same day. I called twice to the number listed on the back of the card and no one was able to tell me why or what was the reason for this. 

My two credit cards were closed on XX/XX/XXXX and my checking account is to be closed on XX/XX/XXXX. 

On XX/XX/XXXX I went to the bank I normally go to. There, I spoke to a private client banker ( Im more than happy to share his name but will keep it out at this time ). The banker looked at my accounts, checked my activity and could not see what the problem was. A problem or the reason why Chase would decide to make this move. He then proceeded to call someone at Chase ( over the phone ) and this same lady said she also could not see anything illegal, any abnormal, or that would go against Chase rules. 

The banker said he was not working on Wednesday ( the following day ) but said he would be talking to the branch manager as she might be able to see what the issue is. I went back on Thursday, he said she also could not find the reason for closing my accounts. He said he had emailed someone at a higher level and was waiting for his response. 

I received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) saying my close had been closed without providing any additional information. There was a phone number included in the letter. 

Today, XX/XX/XXXX I called that phone number and after speaking to a supervisor she said this was a final decision and did not give me any additional information. She said something between the lines of when I first opened my account, I signed guidelines I needed to follow. Ive been with Chase for the past 10 years and have NEVER had any issues with them. 

I dont owe any money, pay my cards on time, have money in my checking account, and have just one credit card with XXXX XXXX which I rarely use ( Ive probably used it three or four times ). 

I looked up reasons why a bank would close an account ( ex : purchasing bitcoins, open lots of CC, laundry money, not paying on time, and others ) NONE of which I fall under. Once this complaint moves forward, I am more than happy to show my bank statements and do whatever is necessary to show Im on good standing. I have GREAT credit as well. My husband and I just recently purchased a home using my credit as I have a great score. 

Chase has an equal credit opportunity act notice which states they do not discriminate against race, color, religion, nationality, etc. I am XXXX living in the states as a lawful permanent citizen. All of my papers are in order, I dont have as much as a parking ticket. I pay my taxes and I am currently employed as Ive been even last year when most people were laid off. 

It is my assumption Chase is closing my accounts because I am from XXXX. It is imposible the reason be anything related to my credit, activity, etc. because I know these are all legal and transparent and nothing close to being against Chases rules/guidelines.