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

I filed a prior CFPB complaint on XX/XX/2022 regarding a situation with Chase Bank ( the XXXX XXXX XXXX, XXXX CA Location ) where I dealt with significant financial and emotional hardship due to discrimination. 

In that complaint, I stated that my funds were not released to me in a timely manner and my finances were negatively affected as a result of Chase Bank 's actions. Due to the discriminatory and cruel actions of their XXXX, XXXX XXXX, I had requested that they close my account ( ending in XXXX ) after they had cashed out my funds. 

At the end of that interaction, XXXX XXXX asked me if I wanted her to destroy the debit card linked to that account and I asked XXXX to verify if the account was closed. She stated that it was so I told her I would dispose of the debit card myself, which I did. I assumed what she told me was true and I checked online that day to verify that it was indeed closed. 

I made my full withdrawal on XX/XX/XXXX to close the account. On XX/XX/XXXX, I received a notice from XXXX XXXX telling me that they had charged the chase checking account ending in XXXX for {$89.00} which confused me. I transferred over {$89.00} from a different bank account and contacted XXXX XXXX to resolve the matter and then transferred my funds back the next day. I did not know why the account was still open but I assumed it was a system error of some sort and left it at that. As my wife is fighting XXXX XXXX, researching this was not a priority and I did not follow up with Chase bank. 

I have now received a notice informing me that this account is still open, overdraft and set to go to collections. I logged in to pay my credit card and saw the following activity : - On XXXX XXXX, I was charged for a new monthly service fee of {$12.00}. 
- On XXXX XXXX an automatic payment processed for {$39.00} to a XXXX XXXX credit card I had not switched to my new bank. My assumption was that since the bank was closed that no transactions would be possible. 
- On XXXX XXXX I was charged a {$34.00} insufficient funds fee for the prior transaction. 
- On XXXX XXXX I was charged another $ XXXX  monthly service fee bringing my balance up to - {$97.00}. 

None of these charges should have been processed. I am tired of Chase bank playing games with my finances and their negligence and predatory actions are causing me distress. This account should have been completely closed months ago and Chase Bank needs to be investigated for unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute U S DEPT OF EDXXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX FrontLine Asset Strategies , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the validity of a debt that your client, FrontLine Asset Strategies , LLC, has claimed that I owe. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The reference number for this matter is XXXX. I am requesting that you provide me with all relevant documentation and evidence to support this debt. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) provide consumers with certain rights and protections when it comes to debt collection and credit reporting. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to receive a response from the credit reporting agency within 30 days. The FCRA also requires that the credit reporting agency investigate any disputed information and correct or delete any inaccurate information. 

Under the FDCPA, debt collectors are required to provide consumers with certain information about the debt, including the amount owed and the name of the creditor. Debt collectors are also prohibited from using false or misleading statements in an attempt to collect a debt, and they must stop contacting a consumer if the consumer requests that they do so. 

I am disputing the validity of this debt and I request that you provide me with all relevant information to support your claim. In addition, I request that you take the necessary steps to remove any negative information that may have been reported to credit reporting agencies regarding this alleged debt. Please provide me with written confirmation of the removal of any such information from my credit report. 

It was explained that there would be no sort of credit involved by the XXXX XXXX representative and here I am being charged. This is a deceptive practice and this alleged debt is invalid. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests.
Product: Credit card or prepaid card

Its my American Express Gold Card Ive had since 1994. I reported thousands of dollars in fraudulent charges in as much I never used the card for certain specific reoccurring transactions that kept appearing on my statements and I have never authorized anyone to use my card. The result was simply issue me a new card and they only went back a few billing statements when the fraudulent charges went back a lot farther. My bill became unmanageable to pay as was requested and Ive now signed an agreement with a debt settlement company to mitigate the outstanding debt with American Express. They would not accept my updated address to send information to and were very rude to me as a customer of over 20 years : my address for their records should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. They only accepted my updated phone number but nothing else and also just cancelled my account and a second account that was in good standing! What kind of racket are they running? Ill never utilize their services ever again and will tell anyone and everyone what theyve done to an old client.
Product: Credit card or prepaid card

I called Chase asking about applying for the XXXX XXXX relief because my area is the number one hot spot in the country. I have XXXX I explained that to the rep and was told dont qualify for relief.I told her I am on unemployment because of my condition. I asked to give a valid reason why I couldnt get XXXX XXXX  relief couldnt give me valid reason.believe I signed for insurance on credit card if I get sick or laid off.
Product: Checking or savings account

On XX/XX/25, my rent payment for {$2200.00} was pulled and sent by check via auto bill pay to my landlords bank, XXXXXXXX XXXX XXXX  XXXX. My bank is Bank of America for XXXX  years now. This rent check was somehow intercepted and signed/ cashed by a thief. BoA has past rent from auto bill pay, where the records show the correct transactions, and they could see the signature was different this time- I have obtained a copy. Meanwhile, Im in some kind of business limbo to sort this out, with the onus put on me, not having paid rent - I dont have extra funds as this plays out. Ive been on the phone multiple times, in the physical bank XXXX, and in communication with their online app messages. The process is ridiculous, and unfair to the consumer. They use faxes with XXXX business day expectations, or snail mail up to XXXX weeks. My new card is taking that long. I still dont have the rent paid, though Ive proved the funds were pulled. This is jeopardizing my housing, and violates trust in the banks ability to manage auto bill pay transactions, where fraud is possible at risk to the consumer. I should have better protections and a more serviceable outcome than this nightmare. Its been nothing but a runaround, even when Ive connected them to my landlord for verification, and have jumped through every single hoop multiple times. All of this was not caused by me, but I have to take time away from work to manage - still, without my rent paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with a XXXX. diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance XXXX XXXX {$1400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unsure of how to file this because the information in these credit reports seem wildly inaccurate depending on where I try to get credit, which then causes a hit on my credit and makes it even harder to get a loan. 
I went to get a home loan to get out of the situation I'm in and I get lowballed on what my credit is that will either cause me not to get credit, or cost me a ton of money because it shows my credit much worse than it is, which seems like a scam way to make more money from people. 
Each snapshot shows what each company shows and how a couple are wildly different, including XXXX, which is what many go by in their report.
Product: Debt collection

On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand that these accounts be permanently deleted from my credit file
Product: Debt collection

I created a medical bill late XX/XX/XXXX at XXXX. I paid them directly on XX/XX/XXXX. I began receiving harassing phone calls and letters from Trinity Hope Associates in XX/XX/XXXX to which I responded that it was already paid to the physician, but they refused to believe me. The Physician sent them records to prove this. Then things were silent, but now in XX/XX/XXXX I started receiving calls and letters again. I called them back and yet again they were quite rude and demanding payment. It took me a while to connect the details of this ( as they said it was from 3 years ago ). But I told them I am sure it was paid. They refused to give me the proper name and contact information of the physician group. Representative XXXX said " look it up online yourself ''. She also said I was reported to the credit agencies and I should " look that up yourself ''. She also threatened to send me to another collection group and report me again. The letter states I would hear from an attorney. Without the proper information this took quite some time, as my personal documents from XX/XX/XXXX have been destroyed. Nonetheless I did get to the right medical practice and they again assured me that this bill had been paid directly to them in XX/XX/XXXX. They assured me that they already told the collection agency that the first go-around of this, but they would send them the information again. They also said they would inform the credit agency to undo my negative credit reporting. I called back to the collection agency to let them know and they insinuated I was lying, demanded again for payment, and she was quite rude again. I informed them I was going to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Debt collection

Collecting debt of {$930.00} for XXXX XXXX. I never have used services from XXXX XXXX. I have been using XXXX XXXX XXXX  and still currently use XXXX XXXX XXXX for myself and all my family members. It was identity theft/fraudulent transaction. I dont even have XXXX as service provider near the location I live. I disputed many of times and it has dropped off but keeps coming back with a different debt collector.
Product: Debt collection

On XX/XX/XXXX, I purchased a service that included custom aligners, regular check-ins with an orthodontist and a lifetime guarantee on any issues that might arise with the purchased aligners. While XXXX XXXX XXXX  no longer exists, the payments for this non-existent service has now passed to HFD. 

I heard about the company 's bankruptcy months after the bankruptcy by chance as there was no official email, phone/text or mail communication from the company. 

I contacted my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and explained the situation. They suggested I dispute the last two transactions and change my credit card to avoid further charges and assisted me with both of these. 

I reached out to HFD on XX/XX/XXXX to dispute the account on the basis that the company 's bankruptcy has resulted in the abrupt cessation of all ongoing treatments to their patients and I was told by XXXX, the HFD representative that took my call, that nothing could be done and that I was expected to continue paying. I explained that this unforeseen circumstance has left me in a position where I am still being charged for a service that is no longer being provided and so I asked to have a refund or to have my account placed on hold as was the case for many others like myself who were still in the middle of their treatment plan, until the customer support plan was approved as was communicated by official sources and but my requests were denied. I was then forwarded a contract that was different to the original contract. I have provided both as evidence below. 

I believe it is unfair to continue these charges given the circumstances, as the original agreement was based on the understanding that I would receive a complete XXXX XXXX treatment. The bankruptcy of XXXX XXXX XXXX has disrupted this agreement, leaving me without the promised service and yet still obligated to make payments. 

While a refund would be my preferred resolution, I understand that may not be immediately possible, therefore I would like to have my case reviewed and to have the company cease any further charges related to the teeth aligner treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are fraudulent on credit account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Money transfer, virtual currency, or money service

At the beginning of XX/XX/2021 I bought {$1800.00} of Bitcoin at Coin Base Pro when Bitcoin was {$31000.00} per bit coin. A week later I went to transfer the Bitcoin to XXXX, because they have lower commissions. When I requested a transfer of my bitcoin to XXXX Coin Base refused to do it and froze me out of my account. For the last 3 months I've sent in my driver 's license and a selfie as requested about every week now for 3 months and they do nothing, but do admit each time that they've received my drivers ' license. I keep emailing them to ask why they insist on stealing my money, but they keep responding week after week that they're looking into to it, and it's been over 3 months now. I've been finding out that Coin Base a public company has done this to many people to steal their money. A lawyer recommended that I get all of these people and start a class action law suit. Please don't allow Coin Base to steal my money.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX judgement has been paid off and i want it to be removed from my credit report
Product: Checking or savings account

Staff at The Non FOR Profit I live at ; XXXX XXXX XXXX XXXX. CLAIMED THAT THEY STOLE MY SSI MONEY AND REDIRECTED MY SSI FUNDS TO A DIFFERENT CARD. THEY PUT IT IN DIRECT DEPOSIT IN ANOTHER ACCOUNT. I DO NOT KNOW WHAT ACCOUNT. SO IF IT IS TRUE, MY SSI PAYMENT WILL NOT BE IN MY DIRECT EXPRESS ACCOUNT CARD ENDING IN XXXX. THE STAFF AT XXXX XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, NY XXXX, NUMBER IS XXXX XXXX. THEY ARE JUST CRIMINALS, THAT IS ALL. PLEASE CHECK WITH THE SOCIAL SECURITY ADMINISTRATION AND GET BACK TO ME AT XXXX AND LET ME KNOW IF THEY HAVE REDIRECTED MY SSI?
Product: Debt collection

I received a XXXX XXXX XXXX  for the XXXX XXXX XXXX XXXX XXXX XXXX. Plaintiff/Petitioner XXXX XXXX XXXX XXXX Attorney XXXX is XXXX XXXX XXXX XXXX The company or account they are trying to collect on that they purchased is a charged off account that is listed on the credit report as well as my bankruptcy. I called the number listed on the summons XXXX requesting a copy of any discovery and the original contract. I also requested the XXXX since the credit bureau is reporting that XXXX XXXX  has been charged off. This would be considered income for them and reported the the INTERNAL REVENUE SERVICE. My concern is that this collection and summons is fraud. The persons I spoke to refuse to send me anything but continued to transfer me to multiply customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXXXXXX Cc Federal Trade Commission. Cc State Regulatory Agency.