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

One day in XXXX  I opened up my bank of america app and it said i had no accounts. When i called customer service they told me that my account was still active and that i should go into a branch. When i went into the branch they told me that my account was being closed and i would have to wait for a check to come with the balance of my account and gave me a number to call. When i called the number they told me that they can close an account basically whenever they feel like it and dont have to tell you why ( I didnt do anything wrong ) and with a few XXXX  searches seems like this happens quite frequently..
Product: Checking or savings account

Chase Bank sent me a coupon in the mail for a {$200.00} bonus after opening a Chase Savings Account with {$15000.00} in new money deposited. 

On XX/XX/2019, I opened a new account at the Chase Bank, XXXX XXXX, Branch XXXX. I opened the account with {$15000.00} in order to qualify for the {$200.00} bonus after 90 days. I gave the coupon to the personal banker, XXXX XXXX, when opening the account. 

On XX/XX/2019, I inquired about the {$200.00} bonus. Chase Bank indicated they have no record of a bonus coupon and I will not be receiving any bonus. I contacted the branch manager XXXX XXXX who confirmed I will not be receiving the {$200.00} bonus. He said the bonus is for customers who plan on opening additional accounts and accused me of taking advantage of Chase. I advised him that I received the coupon in the mail, opened the account with {$15000.00} as required, and expect to receive the {$200.00} bonus. 

I advised him I would be filing a complaint. He said Chase doesn't want to do business with me.
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiry, and I did not authorize it. I request that XXXX provide me with documentation showing proof of my authorization for SANTANDER CONSUMER USA to make this hard inquiry on XXXX XXXX  2024 or remove this item from my credit report and adjust my credit score accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent letters certified mail to the credit bureaus to show me how collections are mine, I asked them to show me proof of signature and original contract showing that these debts were mine. I also asked them to send me the proof said company sent them. Still I have received nothing yet, the inaccurate debt is still showcasing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.
Product: Credit reporting

The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Product: Credit reporting or other personal consumer reports

* Account Name : XXXX XXXX  Account # : XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under XXXX XXXX  is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Payday loan, title loan, or personal loan

They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent me.
Product: Debt collection

Hospital XXXX  bill from XXXX XXXX in the amount of XXXX. Got a letter from Radius Global Solutions # XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. They claimed I owed the amount above but said if I paid {$750.00} by the end of the month, it wouldnt go against my credit score. So I told them I would call them back and did some investigating. I called the hospital and they said my insurance covered it. They are trying to collect on a bill that has been paid. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending over a demand to arbitrate letter through the mail certified for inaccurate reporting violating my rights and it is a violation of the FCRA, EOA, also racially profiling me causing me to suffer while infringing on my rights. This message is in regards to my consumer report and the suffering mentally, physically, and emotional distress along with damages to my name, character and that I have discriminatory profiled for my race as an XXXX XXXX, and minority groups like myself due to low income and the disadvantages we color of people go through with this agencie. I have attached the necessary forms and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of one XXXX so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Product: Credit card or prepaid card

Truist Bank ... has extremely Ridgid fees unjustly charged to me ... as a transfer of payment. From my checking account. To my credit card they are negligent in making balances appear understandable ... by using only colors. There's no plus sign for credit nor a minus sign representing a debit Referring to try n transfer money from my checking account to pay my credit card. And or an automatic creditline
Product: Mortgage

We purchased a townhouse in XX/XX/XXXX. I could not pay down-payment 20 % to avoid PMI but paid 15 %. After the purchase, we renovated Kitchen and bath and asked the mortgage company Chase to remove PMI by re-appraising the townhouse. They said we need to have 80 % or less of LTV or at least {$310000.00} for the appraisal. I submitted the request form, and later, one appraiser came home and evaluated it as {$320000.00} ; however, Chase did not cancel the PMI with a reason they did not give us, which was it requires LTV 75 %. All of sudden, they changed the requirement. Based on another mortgage professional, he told me Chase may violate the Homeonwer 's protection act. This is the reason I submit this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute two unauthorized accounts that have appeared on my credit report. I recently discovered that my identity was compromised in a data breach, and I did not open these accounts. I am a victim of identity theft and request that these fraudulent accounts be removed from my credit file immediately. 
The disputed accounts are as follows : 1. CarMax Auto Finance * Account Number : [ XXXX ] * Open Date : XX/XX/XXXX * Balance : {$22000.00} * Status : Open with past due balance of {$1000.00} XXXX. XXXX XXXX XXXX  ( XXXX  Collection ) * Account Number : [ Last four digits if available ] * Open Date : XX/XX/XXXX * Balance : {$1700.00} * Status : Collection Account with past due balance of {$1700.00} I did not authorize or open these accounts, and the were fraudulently created using my stolen personal information. I have enclosed copies of my credit report highlighting the disputed accounts, a police report/FTC Identity Theft Report ( if available ), and any supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be removed from my credit file as soon as possible. 
Please conduct an immediate investigation and provide a written response confirming the deletion or correction of these accounts. 
Additionally, I request that a fraud alert be placed on my credit file to prevent further fraudulent activity. 
Thank you for your prompt attention to this matter. Please contact me at the number below
Product: Debt collection

Concerns Wakefield LLC XXXX XXXX XXXX XXXX, TN XXXX They did not my respond to any of my letters ( 3 ) and do not respect my FDCPA rights! 

Below you will find a copy of my letter dated XX/XX/XXXX, ( send by XXXX ) which speaks for itself. Sincerely yours. 

References : XXXX & XXXX To Whom It May Concern, Despite my letters to dispute any debt with your agency, dated XX/XX/XXXX & XX/XX/XXXX, see attachments, you did not respect my rights according to the Fair Debt Collection Practices Act ( FDCPA ). I am unaware of the creditor XXXX XXXX XXXX. 

At this time, I demand to cease any credit bureau reporting. 
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under FDCPA. Please note that withholding the information you have received from the supposed creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the creditor in connection with this alleged debt. 
Furthermore, continued attempts to collect on this debt or report this debt to the credit bureaus, until providing said information above is also a violation of the FDCPA in which I will hold you and XXXX XXXX XXXX responsible. 

I will also file complaints about your company at the XXXX XXXX XXXX, the Attorney Generals Office and/or the Florida Office of Financial Regulations and/or the Consumer Finance Protection Bureau . 

Sincerely, All rights reserved. 

I took out my name here Attached : Copy letter XX/XX/XXXX Copy letter XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed this account, and the company reported it would fall off this XX/XX/XXXX. Now it's reporting again with an updated date of delinquency that the account was not in default status until XXXX  which is incorrect and will remain being reported on my credit until XXXX. This account is over XXXX XXXX XXXX, and they have re-aged the debt which is illegal under the FDCPA. I have attached proof that this is reporting in different ways. Nor did they ever send a validation of debt in which it was previously disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to XXXX, Equifax and XXXX XXXX as my credit reports wrongfully continue to be reported as OPEN for my XXXX XXXX account although I voluntarily CLOSED my account long ago and I have diligently sought to have my account marked CLOSED which required immediate mid cycle reporting to every CRA of my closed status. In fact, I have attached a XX/XX/XXXX listing of 2 entries on my credit report documenting that my account was CLOSED. One entry states XXXX XXXX account was closed On XX/XX/XXXX, your XXXX XXXX credit card was closed. A second entry similarly states : Account Information Changed. Remark code added to XXXX XXXX account. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to thus account : Account closed by consumer. Since it is admitted that my account was closed and in fact reported as Closed, the failure to block changes from Closed to Open, constitutes an obvious Facially False Data deficiency which is prohibited as warned recently by CFOB Director XXXX XXXX. Kindly permanently delete my account and send me additional statutory damages of {$1000.00} for repeated uncurled willful violations of the FCRA and Metro 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

My property was foreclosed and filed onXX/XX/XXXX by XXXX XXXX XXXX XXXX  c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. Ocwen sent me a tax form XXXX for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for XXXX and noticed Ocwen was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that Ocwen stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX betweenXX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX report states the same account and same amount, {$5400.00} with Ocwen as Closed and Charged off as bad debt, Profit and Loss write-off.
Product: Credit reporting or other personal consumer reports

As per the guidance from The Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me do to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX And would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX Balance {$1500.00} Account # XXXX XXXX Balance {$2500.00} Account # XXXX  XXXX XXXX Balance {$2800.00} Account # XXXX XXXX XXXX  Balance {$3100.00} Account # XXXX XXXX XXXX  Balance {$540.00} Account # XXXX XXXX XXXX  Balance {$13000.00} Account # XXXX XXXX XXXX  Balance {$11000.00} Account # XXXX XXXX. XXXX XXXX XXXX {$2000.00} Account # XXXX XXXX. XXXX  XXXX XXXX {$200000.00} Account # XXXX XXXX. XXXX XXXX {$1300.00} Account # XXXX XXXX XXXX  Balance {$15000.00} Account # XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A 
) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.