23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase claims that they sent me a letter on XX/XX/XXXX saying that they would close my account, but I never received that letter. It claims that in that letter, it stated that I needed to call them to keep my account open due to a period of inactivity. Additionally, I am signed up for paperless notices so I receive all my information, including statements, via email. I received a promotional email on XX/XX/XXXX regarding that card saying that I qualify for a temporary, promotional APR from XX/XX/XXXX until XX/XX/XXXX. I enrolled that same day and received a confirmation of that enrollment, and began using my card again. I used my card until it expired at the end of XX/XX/XXXX, when I anticipated receiving a new card. When I saw nothing in the mail, I looked at my account on XX/XX/XXXX and saw that my account had been closed. This account has been open 6 years and 4 months and it is helping me build credit. My credit score will go way down and I am just starting to get on my feet and make money after being in school for long. If I had received the letter, or the information in an email, I would have acted fast, as I did for the promotional rate. It is unjust for Chase to have sent me a paper letter knowing I signed up for email notifications, and so even if required by law to submit a mail letter, Chase should have also notified me via email as I had anticipated. I thought everything was fine with my account when I activated the promotional APR, I had a false sense of security that everything would be at least fine until XX/XX/XXXX. This deceptive, unjust tactic is false and misleading, and I am extremely disappointed. I tried calling customer service on two separate occasions and everyone says that there is nothing that can be done. Please help.
Product: Debt collection

I have tried reaching out to this company regarding debt that they say I allegedly owe to Credit Collection Service several times via postal mail and have yet to receive a response. I would like this removed from all major credit bureaus immediately.
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have an unauthorized and fraudulent credit inquiry listed on my Experian credit report. The following credit inquiry is unauthorized and fraudulent : XXXX, XXXX/XXXX/17. The credit inquiry do n't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I have a credit card though TD bank called renovate. I was going on vacation and sent my bills out on XXXX XXXX. I received my next statement and they had charged me a {$28.00} late fee. The rest of my bills had all posted on XXXX XXXX. My statement says allow 7 days for payment. Not 7 business days, 7 days. They charged me a late fee on the XXXX. My account stated it was due on the XXXX. It cleared on the XXXX of XXXX. I called about the late charge date and the explanation that if the due date was a weekend, they would drop the charges. How does it take them 14 days to process my payment when my other bills processed in 5 days. This company is running a scam to fatten their pockets. I have now closed my account because of their shady business dealings and now they are probably going to send a bill for the full amount. We wonder why the middle class is struggling. All I wanted was for them to drop the fee and not use my " one time '' fee removal. How many other people have they scammed.
Product: Debt collection

Jefferson Capital System at XXXX XXXX XXXX XXXX XXXX, Mn XXXX has been sending me collection notices in the amount {$2700.00}. The collection has been reported as a pasted due balance. i do not know this company.I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I have been receiving harassing phone calls from this agency. this agency trying to collect a debt I do not own. this agency contacted me by calling my phone and family member several times a day over the past weeks and sent me a letter dated XXXX XXXX. I am requesting this agency stop harassing me and my family.
Product: Vehicle loan or lease

I purchased this Nissan XXXX XXXX  from XXXX  XXXX Nissan, according to the XXXX no payments are supposed to be due until XXXX the dealership confirmed this via text ; and on the XXXX. 

XXXX : XXXX Nissan hasnt sent any billing notices ; I have no way of paying this note without a billing notice, the dealership confirmed my online account was attached to someone else 's email ; and had no way of changing it. 

I would like the billing notices to be sent via mail ; with payment options ; and XXXX to abide by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Since I took the loan up to date Total interest paid=XXXX $ and only XXXX $ toward principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I disputed 4 marks on my credit including a XXXX old bankruptcy that should not still be showing. I never received any news on the investigation- nothing except the standard email saying the dispute was received. It was never investigated. 
I disputed the marks again on XX/XX/XXXX and as of yet have not heard anything. 

Not to mention the difficulty making the disputes due to their sketchy website.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Checking or savings account

I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.
Product: Credit reporting or other personal consumer reports

What Im seeking is a fair resolution, which involves the removal and blocking of these inaccurate accounts from my credit report immediately. I sincerely hope this issue is resolved soon so I can be free of the XXXX it has caused me.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a credit repair companies which is not true. Please see attached file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I owe about XXXX before interest on a loan for audio equipment I got a 3 years ago. They have been calling my relatives saying they will show up. I called my sister and she gave me a number to call so I did. They started to tell me I did credit fraud and a few other things and would of have to pay over a thousand for the fine and interest by the end of the day or I would be sued and serve jail time and a few other things. Pluss I would have to pay the legal fees. I have been at the same address for years and have gotten no letter. I called flex shopper where I got the stuff and they gave me the number of the collector there was no answer I left a message and have yet to get a phone call. The other number continues to call family that I don't even talk to and I know they have my number but they won't call or send anything to me. Just threats. I told them to send the bill and I would make payments they aren't hearing it.
Product: Payday loan, title loan, or personal loan

Re a fraudulent Personal Line Loan Account XXXX with Golden1 Credit Union : A Golden1 Loan Statement was received XX/XX/2023 for a Personal Line Loan of {$20000.00} with {$7000.00} advance against the line on XX/XX/2023. .A letter dated XX/XX/2023 was received on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Golden1 advising I would shortly receive a Debit/ATM card for new associated account XXXX XXXX XX/XX/2023 my husband XXXX XXXX called the company and spoke to XXXX, XXXX ID XXXX to advise of this account having nothing to do with me, having never had any relationship or accounts with Golden1 Credit Union. On XX/XX/2023 I wrote to Golden1, attention XXXX XXXX advising that I had no knowledge of what this, it is a case of mistaken identity and please review documentation and correct company records. On XX/XX/2023 another statement of Loan was received from Golden1 Credit Union, showing most of the credit line being drawn, leaving a balance owing of {$19000.00} after advances. On XX/XX/2023, my husband wrote to XXXX XXXX, Chief Lending Office, copy to XXXX XXXX, XXXX & XXXX of Golden1 reiterating that Ido not now or ever have had have any account of any kind with Golden1 Credit Union, nor any need for a Debit/ATM card. 

We notified the Police of this as a case of Identity Theft and, at their recommendation, also file a report with the FBI at fbi.gov. Notice was given to our Credit card company, and to the Credit Reporting Agencies. As well, XXXX was contacted and case no. XXXX established with the company, with Restoration Specialist XXXX XXXX. She and I had a joint phone conversation with a rep at Golden1 Credit Union, which was cut short after being put on hold for several minutes. A security freeze has been placed on my credit, as recommended by XXXX XXXX.
Product: Debt collection

This company calls minimum 3 times a day from different numbers because I block them each time. This is not my charge and needs to be removed from report immediately. This company calls before XXXX they call after XXXX. They call on weekends very relentless. My credit report doesnt reflect late payments.
Product: Debt collection

Commonwealth have violated my HIPPA rights!!!!

Commonwealth sent information about my medical records without sending me a copy of a HIPPA release form. Commonwealth have violated the HIPPA laws and they have one or two options : 1. Pay me a fine of {$50000.00} for violating my rights or 2. Remove this from my credit file ***If this is not removed from my credit report within the next 30 days my lawyer will be in touch for the lawsuit of HIPPA Violation and we will be suing for {$50000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I was scammed out of money through Zelle, as well as a victim of sending money to the wrong person and never seeing that money again. It was so quick and easy to send but I was told it was impossible to ever get back. Im out thousands of dollars due to this. I still have had no success in getting a XXXX recovered.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX  true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.
Product: Credit reporting or other personal consumer reports

There are 3 credit cards in my credit report that looks like were open years ago and is affecting my credit. I have a police report when i found out my identity was stollen. These credit cards are : Bank : XXXX XXXX  : XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( They told me that there was another company that handles this account in my name. This is the information ) : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XXXX ( XXXX ) XXXX ( It seem that this one was opened and never used but, for some reason is in my credit like it was never payed ).
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX On XX/XX/2022 self financial inc headquartered at XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Locked my credit card.My credit card was paid and up to date and I have never missed any payments.Self financial sent me a email demanding that I send proof and verifymy wifes debit card I used to pay my self credit card account. 

I have sent everything the asked for from, copies of my wifes bank statments, to pictures of my wifes debit card, to a picture of my wifes social security card, a copy of our texas marriage certificate and even pictures of me and my wife holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully was allowed to you my wifes debit card. 

Texas is a communiy property state and under state law her account is mine and vise versa, and I have fully athority from my wife to use her account and she has the same authority with my.Self has intentionlly went out there way tp cause me and my family financial harm by cutting off my line of credit for no reason even after all information was provided to self .Im accusing SELF FINANCAL INC OF PREDITORY LENDING. 
under texas qualifications for preditory lending-Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. 

SELF ENGAGED IN PREDITORY LENDING BY-IMPOSING UNFOAR AND ABUSIVE LOAN TERMS.In the email sent to me XXXX second self demanded that I further provide the same documents even though the documents i provided on XXXX seperate accassion were legitamite, authintic, was from the list of acceptable documents self provided to me to send and they proved without a shodow of a dought that there was no errors.The deception came when self knowing knew these documents were legitamite and accure and still used abusive tactics anyways with there man goal of closing my account.
Product: Checking or savings account

I am writing to file a complaint regarding multiple overdraft fees applied to my account. These fees were applied despite having sufficient funds available at the time the transaction were authorized. However, due to the delayed posting of charges and credits i was unfairly charged overdraft fees. 
This issues appears to be consistent with recent findings by the CFPB, which identified similar practices with Navy Federal Credit Union, where transactions settled with insufficient balances despite having adequate funds. I believe these practice 's are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack.My credit information was exposed.
Product: Credit card or prepaid card

When i opened my Macy 's XXXX in XXXX of 2022 for special interests rate. 
When i got my first bill which was early XXXX and was due on the XXXX of every month I tried to register my card online. On doing so I couldn't register my CC where i called MACY 's XXXX and got no help, they said to order another card. I made them aware that my payment is due where I shouldn't have to order a new card for this issue that there was a problem with their website. I got no where with them letting them know i couldn't make a payment. This went on for another 2 months with the same issue also they failed to document their system that i called about this issue. So in XXXX I called and spoke to a manager to get the late and interest fees taken off where they wouldn't do it because i haven't make a payment. I explained to the manager my issue and told i called several times explaining my issue but to no avail he wouldn't help me. I was able to finally add my CC to their website and was able to make a payment. On top of that being called several time a month by their CS harassing me about a payment where i told person my situation and they were no help. I keep getting harassing phone calls and i was making payment but just enough to where i was only going to paying what i owe which was {$200.00}. I then call their CS again at the begging of this month to get help which i didn't get explaining to them i was only going to pay what I owe and that i wasn't going to pay any interest or late fees. So as of today Macy 's is still harassing me with hitting my credit score where i was over 750 and with this XXXX i'm getting from them my score has dropped well over 100 points for them no helping me. They keep damaging my credit score constantly which i call harassment. To this date I have paid my {$200.00} bill from XXXX but their still wanting me to pay interest and late fees where I WILL NOT pay those due to their no CS plus be harassed. 
PLEASE HELP, stop them from hitting my credit and remove them from my credit report.
Product: Credit card

Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Transaction was never authorized by me, I did not do anything wrong and need this to be charged back. I already initiated legal process with my attorney regarding dispute with XXXX. However, my dispute doesnt appear to be properly handled by Wells Fargo XXXX Multiple issues with this situation from perspective of card and this is plummeted my credit score already.

Issues : 1. Card limit is XXXX, why transaction over the limit was allowed to begin with. 
2. Provisional credit while dispute being worked must be applied to account already the next day, were 2 weeks later.