23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, XXXX XXXX XXXX, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor XXXX XXXX XXXX XXXX XXXX created a fake balance to try and force me to unlawfully pay. XXXX XXXX XXXX also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was XXXX. This account is over 10 years old! Not only that, XXXX XXXX XXXX misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
XXXX XXXX  XXXX  may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with XXXX XXXX XXXX and again, they are falsely claiming that I owe them XXXXXXXX}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and TransUnion is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.
Product: Checking or savings account

Ally Bank closed my account and still have me block on XXXX list as fraud. Ally Bank is stopping me from trying to set up new XXXX with my new bank.
Product: Checking or savings account

" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX  REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. 

For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. 

We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. 
If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder.

Also, you may simply check with the actual originator of the check, REDACTED, who is included here.

The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly.

Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX  account holder.
Product: Prepaid card

I have been Discriminated against and treated in an Unequal and Unfair manner by Community Choice/ ChecksMart by being charged to get copies of my account balance. XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX admitted that he charges No other customers for the Exact Same Service. I have attached Evidence of this Illegal charge by XXXX in this complaint. XXXX had charged me other times as well but I have misplaced the receipts. I request a Refund. XXXX ) Evidence on XXXX XXXX  can show that the listed XXXX XXXX OH XXXX store is the Closest to my home. 99 % of the time this store will be the Closest location for me to go to. However ... XXXX Refuses to give me the days and hours that he works which were requested by Me and his Corporate office, so I usually have to drive A Long Distance to the XXXX  XXXX OH location or the XXXX XXXX OH location. These 2 office locations has been professional so far by the supervisors when I ask, letting me know the days and hours that they work. I have a Special Account that requires a supervisor to handle. I also request a Credit/ Refund for the 99 % of the times that I, Not ... by choice have had to drive to the Farthest locations in order to conduct business as a Direct Result of XXXX  Not letting me know the hours and days that he will be working that week. 1 % of the times I may choose to use the other XXXX locations. XXXX is also Ignoring the Corporate office who has reached out to XXXX letting XXXX know that he should be letting me know this information of his days worked and work hours. I want to keep the Special Account as I have Business Matters tied to this account And... I like the Perks ... that I am suppose to be getting with this account. Please advise. Sincerely and Seriously, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally address the unresolved issue concerning my account registered under the email XXXX and phone number XXXX ( XXXX ) XXXX. This matter has already been escalated as a complaint with the relevant financial regulator. 

Recently, I opened an account with XXXX and attempted my first money transfer to my XXXX bank account. However, I was charged {$220.00}, and my account was abruptly closed without explanation or access to my funds. My bank has confirmed that the transaction is fully processed and no longer pending, yet I remain unable to access the funds. 

As I am currently on holiday, this situation has caused immense stress and disruption to my plans. XEs failure to provide clear communication or resolution has further compounded my frustration. 

I demand the following actions : 1. A full and immediate refund of my withheld funds.

2. A detailed explanation for the account closure and your failure to deliver the service I paid for.

Failure to resolve this matter promptly will result in further escalation through legal avenues, as this constitutes a breach of trust and potentially fraudulent behavior.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and never contacted me and ruined my credit and this is illegal i contacted my lawyer and he said to call the creditors and ask for contracts and signatues to at least know who did this to sue them and no response and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose here is the accounts : 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: Bank account or service

Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/22. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :
Product: Credit reporting or other personal consumer reports

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXXXXXX XXXX XXXX XXXX  on XX/XX/year> I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than 30 business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within 15 business days of the completion of the re-investigation.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet ncial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Nelnet whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I contacted them about this reporting in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  this matter was still unsolved. Attached is the letter sent.
Product: Mortgage

My mortgage loan had been serviced by XXXX and I have been making {$2000.00} payments for years. I got notification my loan was sold to Shellpoint mortgage servicing. As of XXXX I will be making payments to them. 
I sent payment of {$2000.00} for XXXX as I always do even though my mortgage is only {$1200.00} on XX/XX/2019 through online banking. and the money went through. I sent XXXX payment of {$2000.00} on XX/XX/XXXX exactly the same way as it is on auto pay. 

shellpoint lost my XXXX but they did get the XXXX payment. I have called 6 times and talked to many different people. I have emailed the proof my " bank statements '' and proof from from my bank that each payment cleared my account and went into their account. XXXX went to XXXX and XXXX and XXXX when to shellpoint. they say they didn't receive the payment that went out XX/XX/XXXX on auto pay. 

They received my email but only send me generic responses and no one has contacted me. they have had my {$2000.00} for 2 months now and they are trying to tell me that I'm going to be late. 

I have all proof and documentation and they say they record the conversations. 
so I would really appreciate if you can investigate this company that is trying to take advantage of me and help me try to get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XXXX XXXX-XXXX  late payments from XXXX  Want to have them removed please. It has been XXXXyrs, payment history is exceptional now. 

XXXXXXXX XXXX XXXXr-opened XXXX XXXXXXXX late payments, it has been XXXXyrs, would like removed.payment history is exceptional now. 

XXXX XXXX XXXX XXXXXXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX
Product: Checking or savings account

I was scammed out of XXXX dollars. I was desperate for a job. I signed an acceptance letter from a company called XXXX XXXX. They sent me a check to cash for $ XXXX I sent XXXX to get office supplies before realizing it was a scam. Now the bank wants me to pay the money of the fake check they didn't realize was fake. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute.According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.
Product: Debt collection

I have a collection account on my credit report who was supposed to be included in my bankruptcy. I want to make sure that this is account reflect discharged in bankruptcy with a XXXX balance and be reported to credit agency correctly. do n't want to received anymore calls from this collection agency.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint for myself after finding late payments on my credit record. I sent letters over a month ago but haven't gotten any response or adequate validation. I'm seeking your help to resolve this issue.
Product: Payday loan, title loan, personal loan, or advance loan

You can look at my UCC financing statement number- XXXX is public record. I did right of rescission, durable power of attorney, cancellation of previous power of attorney, affidavit reservation of rights, secured party creditor with fee/private easement schedule. Its been well past 20 days which I gave them that time frame in right of rescission. Silence stands as truth in judgement. Acquiescence. I ask they honor the consumer laws and follow and delete off my credit report as they are still reporting illegally on my credit report, and sharing my private information without my consent to other parties that called me about my vehicle trying to take it after I explained to the XXXX man he was highly upset that the company didnt disclose that I have a lien on it via Secretary of State XXXX XXXX statement. Ignorance of the law is no excuse and I will not take it lightly as Im getting hurt and cant carry out everyday life things because of the fraud their putting a heavy burden on me and my family and I need satisfied XXXX release for my title as I know I am the original creditor in any consumer credit transaction and not the debtor
Product: Credit reporting, credit repair services, or other personal consumer reports

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.
Product: Credit card

Concora Credit Account # XXXX Debt owed {$1300.00} I am writing to formally dispute an alleged debt reported by Concora and to address the unauthorized access to my personal information. Under the FCRA 15 USC 1681, my privacy rights have been violated.

1. I do not acknowledge or own the alleged debt listed under my name. I have never entered into any agreement or signed a contract with Concora. As per the FCRA, I am requesting validation of the debt and evidence of a signed contract or agreement proving I am responsible for this obligation.

2.I did not grant permission for Concora to access or use my personal information. Their actions may constitute a violation of my rights under the FCRA, which safeguards against unauthorized access to consumer information.

I request the following actions : Immediate investigation of this matter under the guidelines of the FCRA.

Removal of any inaccurate or unverifiable information related to this debt from my credit file. 

A detailed response, including proof of the debt and authorization for accessing my information.
Product: Checking or savings account

Complaint regarding Chase Bank 's Misleading Practices and Unfair Treatment I am writing to file a complaint against Chase Bank regarding their misleading practices and unfair treatment. I was provided with incorrect information by Chase bank when I opened a savings account on XX/XX/2023, which resulted in me missing out on a promised {$900.00} bonus. Here are the key points of my complaint : - False Advertising : Chase bank email advised me that I could open a savings account and receive a {$900.00} bonus.The condition was to deposit {$15000.00} within 30 days of opening the account and maintain it for 90 days. However, XXXX later informed me that the money had to be deposited XXXX days right after opening the account, they just refuse to recognize the 30 days time frame. On XX/XX/XXXX, my account surpassed XXXX, so I suppose to receive the bonus 90 days from XX/XX/XXXX, however, the customer service insist I will not and they start to count the time on XX/XX/XXXX. 

- Inadequate Customer Service : The customer service lead, XXXX, refused to provide any further remedy or resolution. 
Despite my explanation and concerns, XXXX continuously assured me that I would not meet the requirements for the bonus. He also refused to further escalate my case. 

- Unfair Interest Rate : Chase bank did not offer a fair interest rate on my savings account. 
I did not receive a competitive rate compared to other financial institutions. During the time of my saving deposit, I have only received a interest payment of XXXX USD. 

- Opportunity Cost : By keeping my money with XXXX for the required XXXX period, I incurred an opportunity cost. I could have invested the funds elsewhere, potentially generating a better return on investment. 

I find Chase Bank 's practices to be deceptive, resulting in financial loss and a lack of trust in their services. I believe that these practices violate consumer protection regulations and request that the XXXX XXXX XXXX XXXX investigate this matter thoroughly. 

I have attached any relevant documentation and evidence to support my complaint. I would appreciate your prompt attention and assistance in resolving this matter. Thank you for your time and consideration. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 reporting, credit repair services, or other personal consumer reports

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX