23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/18 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Transunion Consumer Dispute Center. 
XXXX XXXXXXXX XXXX. 
XXXX, PA XXXX RE : XXXX XXXX # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX # XXXX which you claim is past due. The account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be  liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. Better Business Bureau
Product: Credit reporting or other personal consumer reports

Bridgecrest auto loan is still reporting as a closed account but many months that were past due. During the XXXX XXXX  pandemic, I entered into an agreement per the federal and MA govt that allowed for a payment readjustment during the emergency. Bridgecrest per law agreed to the adjustment. 

Once the pandemic period was over, Bridgecrest re updated all the old late payments. They violated the agreement that we had in place.

I have disputed this with the credit bureaus as well and I am requesting that they delete the record on file per US code 15 USC 1681 I US Fair Credit Reporting Act and US 1681 E and all other applicable codes. 

Please remove from my credit report per XXXX Payment Agreement that you didn't honor
Product: Checking or savings account

I have recently been informed that there is negative information reported by ( XXXX XXXX XXXXXXXX ) in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a ( SUSPECTED FRAUD ACTIVITY ) in ( XXXX ). I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized item must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.
Product: Student loan

My Navient student loan reported me 90 days late in XXXX 2016 when I was not. When I called on XXXX XXXX, 2016 to dispute the 90 day credit marker, I was told I could do a forbearance and that Navient would show the account as current and report it to all three credit report agencies. 
I continued to check my report and nothing changed so I called on XXXX XXXX, 2016 to ask the status and the person said they were working on the issue and the removal would not be completed until the XX/XX/XXXX.XX/XX/2016, I checked again and this time they were reporting me 90 days late for two months, XX/XX/XXXX and XXXX 2016. 
Attached is my formal letter with further details regarding dates, times, who I spoke with. I am sending this letter in hopes that you will contact Navient and have these 90 day credit markers removed from my credit report as they promised.
Product: Money transfer, virtual currency, or money service

Business account was opened and funded. Blocked for several days after trying to make a domestic wire for a supplier. Then unblocked, then blocked again. Account currently still blocked and no reasons given. Business about to fail since we can not pay bills.
Product: Credit reporting or other personal consumer reports

i requested that my XXXX account be frozen after having my bank account hacked in XXXX & also in XXXX i was told it was locked & frozen & it was not the case
Product: Mortgage

Because I can now afford to do so and with the belief insurance of any kind should only be used in a catastrophe, I believe selecting the highest deductible possible makes the best economic sense. I recently increased my deductible for my rental property to the maximum XXXX insurance offers to {$10000.00}. Soon thereafter Chase, the mortgage holder informed me, and I quote " your insurance deductible is higher than the maximum we are allowed to accept ''. Please see attached letter from Chase. I called to Chase to inquire about this and after several minutes and switching from many departments, Chase said the letter is only a " suggestion '' and I will continue to get these letters.

1. The wording is misleading in that I felt I was required to lower my deductible, which is untrue.

2. I do not want to keep getting these letters. 
This is a misleading and unfair business practice.
Product: Credit reporting or other personal consumer reports

I have been a Chase Bank customer for over 20 years and after I submitted a complaint due to illegal fees they closed my accounts. I have always paid my credit cards on time and been a great customer. They brazenly closed my accounts after I filed my complaint. They reported to the credit bureau that they closed my account and my XXXX score decreased due to their reporting. I am requesting what they reported to the credit bureau because I have always paid my credit card and loans on time and have stellar credit.
Product: Debt collection

I get phone calls multiple times a week from Summit Recievables. They do n't know my name and they say they want to get information on a debt. My husband and I pay with cash except for our mortgage so I know I have no debt. I called them and asked that they put my number on their do not call list as I do not owe any debt. He asked for my name and I said you can see my number so look up my account associated with this number and you tell me who you are speaking with. He gave me a bunch of random names suggesting one was my husband and that he spoke to someone at this number last week. I told him that was n't my husbands name and he had n't spoken to anyone at my number. I asked him to put me on the do not call list as I had no debts to pay. The next week I got another call a female left a message. They never give a name. She told me she read a report on my account that put me in a negative light and that she wanted to give me a chance to defend myself before making her final report and recommendation. I did not respond. Then twice this week I have received messages saying it 's been some time since my last installment and it 's crucial I call and give them my information. I have never paid any money for debt collection and I do not know the people he said and told him they were not associated with my number. They keep leaving me a message to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled informing those affected by this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
XXXX XXXX : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my XXXX XXXX unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the E-Oscar system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.
Product: Checking or savings account

I am filing this compliant with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and request your assistance in investigation the matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX  or send them money from XXXX XXXX . they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX  I am a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has reported to my XXXX Credit File/Report. I have filed an FTC, Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have filed a dispute online with XXXX providing the same information, which took over the required time frame for a fraudulent item to be removed. In addition, it took a long time for someone to get my complaint and process it, which I am filing this complaint. Also, XXXX is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account on my credit report, which needs to be removed effectively immediately. I am filing this complaint because XXXX is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail and online, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking XXXX to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : AMERICAN EXPRESS- Date Opened : XX/XX/XXXX, Balance : {$46.00}, and Account Number : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my XXXXXXXX and Transunion report to no avail. Even though XXXX  successfully removed the erroneous tradeline after 1 request, XXXX and Transunion have failed to do so. I have sent several requests to XXXX and Transunion requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ) XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I have been trying to open a checking account with Navy Federal Credit Union for at least 1 year now. The first time i was denied was around XX/XX/XXXX approximately. They were unable to give me a reason other than to file an appeal and i have been doing so multiple times since then. I have went through the Appeal process so many times. I have submitted documents they asked for was a copy of my ID, SSN card and proof of address. I was still denied with no reason. XX/XX/XXXX i spoke to a representative and they advised me that it looks like i was in the XXXX  XXXX  with XXXX XXXX XXXX and in order for me to enroll i would have to settle any debts with them to be removed from the XXXX XXXX. I ended up resolving the issue with XXXX XXXX XXXX. After doing that the representative told me that i would have to file another Appeal! I went ahead and filed the appeal and i kept receiving multiple emails from XXXX XXXX XXXX Department asking for the same documents I've already sent. I then decided to call today XX/XX/XXXX, to check the status on my appeal and i was advised that there was an account opened in my name in XXXX and that i can never open an account with Navy Federal Credit Union. I told the representative that i have never opened an account with them nor have i received any materials or cards to my address in my life. In XXXX i didn't even qualify to have an account. I am also a victims of identity thief. I asked the representative what documents were sent to open this account in XXXX and how it was opened and they just refused disconnected the call.
Product: Consumer Loan

On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX account name : XXXX Account name : XXXX XXXXXXXX account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX. 
Has violated my rights 15 USC 1681 section 604 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.