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

Dear CFPB Representative, I have been a Bank of America customer since XXXX. On XX/XX/XXXX, I tried to purchase {$4200.00} worth of merchandise on my credit card that had a {$5100.00} limit. Bank of America immediately stopped the transaction and asked me to call for verification, which I did. They sent me a letter a week later stating that they decided to close my account because of " recent transaction activity on this account '' and " sufficient balances on your revolving credit lines. '' I have no balances on any of my credit lines. They stated they got my score ( XXXX ) and credit report from XXXX. I have no other debts. When I called them to ask why they would chose to close an account during these unprecedented times when we are reliable on credit cards, I received no explanation other than they have the right to close my account at any time. Although the step they have taken might not be illegal, it's unethical at best, at even borders on discrimination. The representatives that I spoke with with first to verify my transaction, had a condescending tone and patronized me several times.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The debt in question is as follows : 1. Account Name : XXXX XXXX XXXX Dated Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently there is a credit card showing on my report for XXXX XXXX XXXX. This bank has reported to my credit reports that I have a {$350.00} charge off as well as MULTIPLE late payments throughout XXXX and XXXX. This account is not mine. 

When trying to resolve, I am told by customer service that I can not speak to anyone and get details on the account because my information ( aside from social and birthdate ) does not match the information on the account. I can't verify this information because it is not my information. This information includes mother 's maiden name and my address. 

Because I am unable to verify any information, I am unable to establish where this account came from or get any relief. 

I have even attempted to possibly pay the account, just to assist in fixing the information on my credit report. I am told that I can't pay over the phone but must send a payment via mail. This payment will need to include an account number that I do not have because they will not give it to me. Once they are able to find the correct account number to apply the payment ( after weeks of processing between mail and them finding the correct account ), they will then hold the payment for 2 weeks to make sure it " goes through ''. I am not given any option that allows for a timely resolution to the issue. 

They have given me NO options for resolving the actual damage to my credit report. They have offered the mailing of a fraud affidavit, which will include the request of account information that I DON'T have. This affidavit cant be sent any way but mail, and can only be returned by mail. This process alone can take weeks. From there, they can take weeks to " investigate ''. 

This is not allowing me a timely resolution. This account is fraud and needs to be suppressed accordingly until properly investigated. This account can not report on my credit bureaus if I can't even obtain account information due to fraudulent information given to set it up.
Product: Checking or savings account

TD bank closed my account after 4 hours and have yet to return the funds i used to fund the account.
Product: Vehicle loan or lease

I BORROWED {$34000.00} FROM GM FINANCIAL ON XXXX GM HAS SENT ME A LETTER STATING MY LOAN TERM IS 61 MONTHS. HOWEVER, MY LOAN TERM IS 60 MONTHS PER CONTRACT EXECUTED. GM HAS NOT RESPONSED TO MY COMPLAINT ON THIS MATTER AND IS ATTEMPTING TO OVERSHARGE ME BY 1 MONTHLY PAYMENT. I WOULD LIKE THIS RESOLVED ASAP BY GM AND EXPLANATION FOR THIS ERROR. I ALSO CONTACTED TH DELAER WHO DID NOT RESPOND TO MY ISSUE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
1XXXX XXXX XXXX XXXX reporting as charge-off 2.XXXX  XXXX XXXXCharged off as bad debt|Canceled by credit grantor 3.XXXX XXXX XXXX XXXX 4.THE XXXX XXXX XXXX XXXX XXXX XXXXPayment after charge off/collection|Paid profit and loss INQUIRIES 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
Product: Debt collection

I have attempted several times disputed this debt with this company who has charged all 3 of my credit reports with false information. They have shown no proof of the charges made an have made no attempts to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps disputing my XXXX account for no reason at all. 
They are intentionally disputing this account without my permission. 
I want Equifax to STOP disputing my XXXX card account and notify XXXX of the error they are making. This is the third time Equifax has disputed my account for NO REASON AT ALL.
Product: Credit card

I attempted to close my Citi card on XXXX. At that time there was a late fee and an annual fee charged to my account. I spoke to no less than 5 representatives, and in each instance I had to explain my issue and verify myself. I finally got to someone who was able to assist. She told me at that point she could close out my card and refund the late fee, but that the annual fee would need to go to be reviewed. I never received any type of communication regarding the annual fee until I started to get collection calls on my account again. 

I called Citi card back again the last few days of XXXX, spoke to no less than five representatives again, verified and explained the issue to each of these individuals and was told that they denied the refund of the fee. I again asked to speak to someone who had authority to refund the fee. I was transferred again, at this point the women told me she would refund the annual fee and the interest and it would be reflected on XX/XX/30 as a XXXX balance. 

I again began receiving collection calls this week. So today, I answered when they called, was transferred twice, verified twice and explained the situation. I was told that my only options were to pay the fee since they can only refund the annual fee within 37 days of it being charged and it was 49 days when I originally called on XXXX. I asked to speak with a manager and was transferred to a gentleman in Arizona who told me that he could only refund the interest charge, but I would need to pay the annual fee. I asked to speak to a manager and I was told that no one was going to be able to refund the fee for me. 

I comepletly understand rules, however we are talking about 12 days, there hasnt been any charges on the account in over 6 months and I did not use any benefits of the card in those 49 days. 

I am hoping that this complaint can try to get my request in front of someone who can assist.
Product: Credit card or prepaid card

I opened a Chase Business XXXX  credit card on XX/XX/21 and I have been having constant issues with making purchases. Each time I try to use the card, it is flagged as fraud and I have to go through a lengthy process of calling into the fraud department in order to unblock the card. It is flagged no matter the amount. It was even flagged while I tried to make a {$10.00} food purchase. This is a business credit card so it is hard to grasp why simple purchases are being blocked because the expected volume of purchases is obviously higher than on personal cards. 

Furthermore, I am not given any notice by Chase when the Business XXXX  card is blocked. In fact, I am only made aware of this when my transaction gets declined, which is understandably embarrassing. I have paid the balance in full each month since opening the account so there is more than enough available credit to cover my purchases, and yet they are still declined. 

Each time I call Chase, I am told they will 'fix the issue ' and yet it is still occuring.
Product: Credit reporting or other personal consumer reports

What happened? 
Edit this section FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital end of XX/XX/XXXX thru mid XX/XX/XXXX And XXXX XXXXXXXX XXXX XXXX with is XXXX XXXX XXXX. I also use a service they offer Called stand by cash and I have since they started it. It lets you borrow money and pay it back over 3 months. I have had 3 Checking accounts and 2 savings accounts with XXXX during the whole time I have used the standby cash feature. I only qualify based off of 1 of the 3 of my Checking accounts.

When I was in the hospital with XXXX  I couldn't do much or was I coherent very much .But Still out of all of my 19 credit cards, car loan, 3 personal loans, stand by cash loan, cell phone bills, insurance bills ect. The standby cash loan is the only thing I recieved a late payment from.

As I said I only qualify with 1 of my 5 accounts with XXXX. If I closed that account and kept the other 4 I would no longer be able to use it but I can deposit it in any of my accounts and also repay it from any of the accounts. The account that I qualify with always has a few XXXX dollars in it plus the linked savings account had around {$30000.00} in it at the time. But they tried to pull the monthly payment from one of my other accounts that did not have enough in it and this is how the late payment came about. But if it would have pulled from the account it's paired with it would have been paid. Even so on 3 other occasions XXXX has took money from 1 account for another if it was negative or something. I wrote a letter by Email to XXXX CEO on XX/XX/XXXX, seeing about getting the late payment updated to paid as agreed or removed. I got a reply on XX/XX/XXXX from a customer advocacy response person saying they would look into it and I never heard back. In my letter I had I had stated that under codes 15 USC 1666 & 15 USC 1637 that a statement is due 21 days before the payment is due and they have only ever sent out a 5 day reminder. If a 21 day would have been sent out then things could have worked out differently. I don't remember much of XXXX or XXXX but It could have maybe reminded me before I got sick and became incoherent enough even before I was admitted into the hospital. 
On another part They have changed rules & maximum amounts around multiple times since they started this service and every time they have lowered the max amount my credit score would take a hit because the amount i owed then would end up at the top or above what they changed the new limit to then making the utilization on that account be at a 100 % or over the limit. 
But my efforts trying to get there help to straighten it out didn't work. I have the documentation of what I sent to them and I also the letter they sent back saying they would look into it and get back to me. Like I said that was XX/XX/XXXX and we are now end of XX/XX/XXXX and it's still on my TransUnion, XXXX XXXX XXXX credit reports drastically hurting my score I would just like to finally have it fixed to paid as agreed never late or removed completely from my credit reports Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX  report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX my car was stolen in front of the house after XXXX KIA FINANCE SENT ME A LETTER IN THE MAIL REGARDING THE ANTI THEFT FOR KIAS AND WHEN I TOLD THEM ABOUT IT THEY MENTIONED IT WAS NOT FOR MY CAR AND MY CAR IS NOT A PUSH TO START TODAY I WOKE THE VEHICLE WAS STOLEN.
Product: Credit reporting or other personal consumer reports

I sent a detailed letter regarding, what I believe, to be incorrect reporting 's on my credit report. I have yet to receive any update or correspondence from them, and I believe that this is a stall tactic from them. 
I know that they receive compensation for reporting information and If they have to delete items, it will affect their income, thus I believe that they are not reporting correctly.
Product: Money transfer, virtual currency, or money service

-- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. 
Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. 
Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. 

The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. 

Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. 

And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. 

PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. 

Your prompt response to this request will be SINCERELY appreciated. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this comment regarding the XXXX data breach, as I have personally experienced significant negative impacts on my credit report since the incident. Following the breach, I have noticed multiple unauthorized entries on my credit report, including : Hard inquiries that I did not authorize Collections accounts for debts I do not recognize Charge-offs that were never associated with my accounts Incorrect addresses added to my credit file Unauthorized credit cards opened in my name These fraudulent activities have severely impacted my credit score and financial security. I believe my personal information was compromised in the breach and subsequently used for identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. 
PLEASE DELETE ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX