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

On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly ( 90 ) to ( 120 ) days late on the XXXX partial account number ****XXXX-XXXX. ( Please page 9 of the attached credit report. ) My XXXX  XXXX payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Product: Checking or savings account

I am writing to formally lodge a complaint against Bank of America regarding their refusal to provide me with historical statements of my checking account dating back to the initiation of the account or at least to XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Bank of America via telephone to request statement history for my checking account. I explained that I required these statements for legal and court purposes. However, I was informed by the banks representative that Bank of America could not provide statements dating back that far. They stated that they could only provide account statements going back a maximum of seven years. The Bank of America representative told me that Bank of America does not keep documents past 7 years and that documents older than 7 years are destroyed. I was told by the Bank of America representative that they are not required to keep account documents past 7 years. 
This response is unacceptable and has caused me significant inconvenience, as the requested documents are necessary for legal proceedings. I believe that as the account holder, I have the right to access all historical account information associated with my account, regardless of the duration of time that has passed. 
I would like to point out that financial institutions have a duty to retain account information for a reasonable period of time, particularly when the account holder explicitly requests the records for legal purposes. The refusal by Bank of America to provide these statements has not only impeded my ability to comply with legal requirements but also raised concerns about their adherence to consumer rights and record retention obligations. 
I respectfully request that the CFPB investigate this matter and ensure that Bank of America fulfills their obligation to provide me with the requested historical account statements. I would also appreciate guidance from the CFPB on any recourse available to me in this situation. 
Thank you for your attention to this matter. I look forward to your response and any updates regarding the resolution of my complaint. Please feel free to contact me using the information provided above if you require any additional details or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both XXXX  and Experian attempts failed through XXXX. I also attempted to obtain them directly from XXXX  and Experian via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom It XXXX Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX There should only be XXXX address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : CEO connection XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 
On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my Equifax consumer report from a company named XXXX XXXXXXXX XXXX  with account # XXXX XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report XXXX which notified the other two major credit bureaus ( email proof attached ) also I filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft.

Enclosed are copies of relevant documents to support my complaint, including a copy of the Equifax credit report of XX/XX/year> showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX with account # XXXX XXXX with a balance of USD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to Experian  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop XXXX points. 
XXXX I sent another dispute through experian and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and Experian not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

Today XX/XX/2023, I received a random text message saying welcome to Chase Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with XXXX XXXX. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

Elan closed my account after missing one payment... they say it's because they can't identify me... but why would they approve me in the first place.. so I called and they wanted me to mail my ID and ss card... I'd sooner cut up the card... but want others to know what a headache they can be
Product: Credit card

I applied for the AMERICAN EXPRESS XXXX XXXX CARD on XX/XX/XXXX and was declined due to : " Information received from XXXX XXXX reporting agency " and " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' All of my accounts reflected on the credit report are in good standing and have never been in the claimed status. After a review of my XXXX data, and there are no accounts that reflect what this is status. I called the number listed in the decline letter, just to get an IVR that will not transfer me to a live person that can tell me what data the decline is referring to. I have included a screenshot of the decline letter and a copy of my XXXX Credit Report for review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$12000.00} 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: Debt collection

i have no idea what this claim is all about, or even if this a legitimate collection agency. i suspect it was either mailed to the wrong person with the same common name, or it is a fraudulent claim. i'm a little leery of calling the number, as i don't want any fraudulent company to capture my phone number. please advise. 

details : amsher collection sevices, inc XXXX XXXX XXXX, XXXX XXXX XXXX, al XXXX XXXX nc permit # : XXXX date of notice : XX/XX/20 received notice via usps today XX/XX/20 orginal creditor : XXXX XXXX XXXX ( never heard of them ). 
current creditor : same as above creditor 's acct # : XXXX amsher acct # : XXXX total due : {$38.00} savings : {$9.00} signed : XXXX XXXX, director of operations
Product: Student loan

I had an agreement that automatic payments were to be withdrawn the XXXX of every month. The payment was withdrawn after the XXXX resulting in the more interest being paid. 

Also, the company cancelled our agreement without proper notification and explanation of cancellation 2 years after payments had been made. They have since placed my account in default and have significantly impacted my credit standing due to an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay Equifax for a credit service. I can not ever log in. It keeps directing me to call their support center every time I try to log in. I get some agent in a foreign country who can not understand me or speaks in a way I can not understand them. They fiddle around with emails and other nonsense. They say they are going to get me to a higher level support. I get a survey. Then they disconnect the call. 

Does the federal government actually regulate anything? Really, the way this company is allowed to do business could be unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was affected by the large hack of Equifax. I do not know what impact this will have on my long term financial well being but in the short term it will absolutely affect my ability to obtain credit as I will be be placing a freeze on my credit.
Product: Credit reporting

I have never had a XXXX account and it is showing up on my credit report. The credit card was opened because I was XXXX so I could not have opened a credit card.
Product: Debt collection

Via USPS, on or about XX/XX/XXXX, I received a statement from Genesis Credit informing me that I made a purchase from XXXX -- Corp. Office Purchase, on or about, XX/XX/XXXX. what year? it was left off the statement. 
The amount is quoted as being {$1600.00}. since I have never made any purchase ( s ) from XXXX and I have never done business with Genesis I called to there XXXX offices to try and settle this on XX/XX/XXXX @ XXXX XXXX  PST. I Spoke with an agent whom Identified herself as XXXX. I gave her the account number listed on the statement mailed to me. I explained that I was trying to resolve this issue by speaking with Genesis, so I wouldn't need to reach out to the CFPB. The agent said she'd be sending me an I D Theft form. I told her I would not be giving Genesis any further information about myself because I have no idea who they are! ( I want the form to pass on to the CFPB )
Product: Debt collection

On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.