23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Checking or savings account

Chase bank closed my account on XXXX then credited a wire into XXXX account on XXXX They froze all funds including funds not related to the wire 4 months went to branch back office money movement no luck Funds are held no answers from chase
Product: Debt collection

About XX/XX/2021 I received by mail the Letter from Receivable Collection on Services, LLC ( Collector ) dated XX/XX/2021 with information that I have a debt {$410.00}. 
In order to verify the validity of the debt I sent the dispute letter against this action and demanded the additional evidence ( by fax number appeared on the Collector 's letter ). 
The Collector must verify the debt in case they have a dispute and inform me. However the Collector ignored the rules and violated my rights reporting Credit Bureaus ( at least XXXX  I'm sure ) the disputed collection. This report harmed my credit score and credit history. 
The Collector failed to comply with the FDCPA law and abuse his power trying to collect the debt against the rules. 
All letters attached.
Product: Debt collection

I'm incredibly disappointed by how this appears on my credit report. I've never missed a payment, and I work tirelessly day and night. It's deeply unfair to me as you're tarnishing my reputation as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my creditreport in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you statedin writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX .... Late Date XX/XX/22
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as XXXX XXXX determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

My husband recently opened a checking account with Capital One as it was our intention to transfer our funds and direct deposits there. 

We called on XX/XX/XXXX and we're transferred three times to three different departments. We started with banking, was transferred to credit, and then the internet team, and then finally I was transferred to a supervisor. That supervisor said the only thing preventing me from being added to the account was my last name being incorrect on an old account. She said once it was updated, there would be no issue.

I updated my last name with Capital One and continue to try adding myself to the account with further errors. I called again today, XXXX. I was transferred twice again. This time I was informed that I am not eligible for an account and would receive a letter. 

Due to the first SUPERVISORS assurance that I would be added to this account, we diverted funds there that now can not be changed back until after our deposit date, but I am not eligible to be on the account, for reasons unknown. It seemed like discrimination to me. 

I asked the supervisor I spoke with today what i was supposed to do about that and he told me it was a good question. He didn't know the answer. Also there is not another supervisor he could ask. 

Nobody will help me for some reason and I get the run around every time I call. I feel I am being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit report.
Product: Credit card

We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$3500.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFBP findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX sent out disputes for verification of debt. They were unable to verify information I requested 4x including The Amount of the Alleged Debt : Please provide a full accounting of the amount you claim I owe, including the original principal amount, any interest accrued, fees, and any other charges added to the debt. Original Creditor Information : Please provide the name and address of the original creditor, as well as any account numbers or reference numbers that they may have assigned to the debt. Evidence of the Debt : Provide a copy of the original signed contract, agreement, or any documentation showing that I am legally obligated to repay the debt. This should include a full breakdown of terms such as interest rates, fees, payment schedule, and the date the debt was incurred. Account History : A detailed history of the debt, showing all payments made to date, any credits applied, and how the balance has increased ( if applicable ). Please also indicate whether any part of the debt has been written off or discharged. Proof of Assignment or Ownership of the Debt : If you are not the original creditor, please provide the documentation that shows you are authorized to collect on this debt. This may include a copy of the assignment agreement, purchase agreement, or a detailed explanation of the transfer of ownership from the original creditor to your company. Information Regarding Any Legal Action : If there has been any legal action taken in relation to this debt ( e.g., a judgment or lawsuit ), please provide copies of the court documents, including any judgments entered in this matter. Validation of Interest and Fees : If the debt includes interest, late fees, or other charges, please explain how these amounts were calculated and provide a breakdown of each charge, including the dates they were added to the balance.
Product: Mortgage

I have an FHA Loan, the investor is XXXX XXXX and its serviced by the Mortgage Servicer Specialized Loan Servicing LLC ( owned by XXXX ). I was economically impacted by COVID-19 and I requested Forbearance before XX/XX/XXXX. Then extended it twice. 

My Forbearance is about to end in XX/XX/XXXX and I have communicated with the Mortage Servicer about 12 times in writing, and by call, to go over my options at the end of Forbearance. The total Forbearance amount is around {$30000.00}. Which I'm unable to afford. 

I specifically asked for deferral of the owned amount to the end of the Loan or putting them in a subordinate lien payable when I refinance, and I spoke with several people about this at SLS, they all replied that the Loan Owner / Investor ( which is XXXX XXXX ) does not offer that option. And the only option I have right now is to pay it all in a Lump Sum or apply for a Loan modification which is inevitably hurt my credit. 

The Mortgage Servicer is not approving a repayment plan, either. So I'm left without options. They should be able to offer more options than just Lump Sum re-payment. 

I hope you can help, thank you.
Product: Debt collection

I have received many calls from this number with the caller asking me to confirm my identity. When I ask for their business name and mailing address they refuse to provide it. I have told the callers that if they do not provide me with their business address that I must assume they are performing illegal activity and give them one more opportunity to give their mailing address. All attempts on my part to get their mailing address are refused with the caller going straight back to asking me for my name.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I noticed two charges on my credit card from XXXX that had been made that day. Discovered it was a jackhammer and truck top carrier. As a single-lady, about to move to an apartment and with a torn rotator cuff ( I was undergoing XXXX XXXX at the time ) - the jackhammer just would not be my thing. And the truck top carrier did not go with my XXXX. 
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I immediately called the credit card company to report fraudulent charges and they closed the credit card and sent me a new one. I then realized I should contact XXXX which I did on XXXX XXXX and they changed my password and removed these two purchases from my account. ( It was an incredibly busy week and it wasn't until the weekend I could tackle this. ) I thought all was good, but then I was shocked to get a letter from the credit card company on XXXX XXXX saying I was responsible for the charges because " You received benefit from this transaction. '' Not only had I never received these items, and XXXX had noticed a sign-in from a new device on the day this purchase was made, neither item or purchase now existed on my XXXX account- they had been removed. So the merchant recognized these purchases as unauthorized and took steps to protect me when requested - but not Chase ( Amazon card ). The reference # from my first call to XXXX was SR # XXXX - according to XXXX, all of these calls are recorded and the credit card company can ask for the information about what was said, etc. 
I disputed their findings not just once, but twice more -THREE times. I spent an inordinate amount of time on the phone with XXXX asking them for more information about these two purchases to give to Chase- but they said they could only give the information to my credit card company when they were investigating - not me. The problem is my credit card company is not doing due diligence with an actual investigation and is continuing to charge me for a purchase that is not disputed by the merchant, but has been removed by the merchant. I can't even find out what these two items are, or who the seller was - because unlike all my other purchases, these are no longer on my account and searching for the numbers doesn't bring up anything. 
I called XXXX again on XXXX XX/XX/2022, and they were not able to find these purchases on my account, so they are unable to help me in any way. This customer service person ( this conversation is SR # XXXX ) told me it looks like someone used a guest account to make these unauthorized purchases. I was also told that XXXX can not do anything beyond what they have already done, and that I need file an unauthorized purchase with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

My name is XXXX XXXX. I used to have a Chase bank account which was closed by Chase with without providing any reason. To be honest I was in a bad marriage where I found that my wife was hiding a drug addiction and I believe she was writing bad checks in my name. Chase never took money from my account actually they sent me a check when they closed the account for the amount I had in the bank at the time. Its been several years I am no longer with my wife ... I have worked extremely hard to clear up all the damage she did and raised my credit score from a low XXXX to being in or near the XXXX now. I tried to open an account again with Chase as it is just convenient as their locations are everywhere. Everything went through and I actually received the debit card a week later. They then again closed the account. I went to the bank and contacted their customer service and they told me that I am permanently banned. I explained the whole situation and said if there is anything that can be done to fix my name with their bank. They told me I do not owe any money but there was nothing that can be done I am just banned for life. No reason as to what was done using my name that I did not even do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX XXXX did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX  XXXX  I did not authorize XXXX XXXX immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which is misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts listed below will be update as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX Balance Owed : {$1700.00} ; XXXX XXXXXXXX BalanceOwed : {$3400.00}.
Product: Debt collection

On XX/XX/2020 l made contact with Oportun to make a affordable payments arrangements on my loan. 
I explained Oportun rep over the phone that l have a XXXX XXXX XXXX and requesting a payment of {$70.00} @ month affordable payments until loan is paid in full. 
The interest rate on loan is over 24 %. 
I am respectfully XXXX Lifetime, and Retired and a US XXXX XXXX XXXX. 

Oportun stated that l was going to be place on collection and reporting derogatory remarks on my XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX credit reports. 

Oportun wants to put me in collection of {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.
Product: Credit card or prepaid card

We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.