23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Dismissed Collection Account I am writing to formally request the removal of a collection account from my credit report. The account in question, XXXX, was recently dismissed in court ( XXXX XXXX. [ XXXX ] ) on [ XX/XX/XXXX ]. Since the case has been resolved and the collection has been closed, I kindly ask that this account be removed from my credit report as it no longer accurately reflects my credit history.

I have attached a copy of the courts dismissal for your reference. Please update my credit report to reflect this change and send me confirmation once the account has been removed.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been trying to get my money from chime in the amount of XXXX from my savings account. They have suspended my account and refuse to give me my money back. I have emailed support/review chime on numerous occasions and have not received any sort of response. Chime refuses to just close the account. I have verified all of my information. They are preventing me from paying my mortgage and bills. Chime is negligent in providing answers there member service reps just give you any answer you want to hear without actually taking care of the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.
Product: Credit reporting or other personal consumer reports

Subject : Request for Copy of 1099-C Debt Cancellation Letter and Written-Off Amount Details To : Equifax Private Reporting Agency ; The accounts listed are being reported inaccurately, and have not and can not be verified by the Creditors nor Equifax as follows : XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon recording the phone conversations while speaking to the above-listed Creditors on XX/XX/XXXX I have found and recorded evidence that Equifax is intentionally and wilfully reporting unverifiable, and inaccurate information concerning the above-listed consumer accounts on my consumer credit report. Both Creditors mentioned above have received my Legal Cease & Desist Notices and have sent a confirmation letter via U.S. Mail confirming their legal duties to Cease & Desist all Inaccurate verifications, credit reports, and contact regarding me and the above-listed accounts. Furthermore, XXXX XXXX has verified that the account has been written off and by doing so can no longer collect on the debts nor report to my credit profile ; also evident on my Equifax Consumer Report. Both creditors directed me to Equifax regarding the intentionally inaccurate reporting. 

I am formally requesting a copy of the 1099-C Debt Cancellation letter for my records, as well as the exact amount of the write-off of debt. Given that this debt was written off and canceled for an amount exceeding {$600.00}, it has been written off as a complete loss according to IRS regulations, which stipulate that a 1099-C must be issued in such cases, which has not been the case. 
In accordance with federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations, the reporting of this debt should reflect its canceled status, and any right to the further collection is forfeited. Congress and federal oversight agencies such as the CFPB, FTC, FDIC, and SEC have established that written-off debts, especially those reported to the IRS as canceled, are no longer eligible for collection or reporting on credit files. I expect your compliance with these laws and appreciate a prompt response. 

Further reporting by Equifax of the above-listed accounts shall result in litigation for defamation of character and Civil Liability for injuries that occurred per the FCRA and CFPB. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX. All Rights Reserved. Copyright Notice
Product: Checking or savings account

Good night! I am making this claim, because the Bank of America has doubled the charges on my account, for no apparent reason, I had a faith account now and one debit. I had to close the one now, because they charged me monthly, {$4.00} dollars for the savings account and the same amount for the debit account. 
In other words, they automatically deducted {$9.00} dollars from my accounts every month for having these two accounts with them, the same person being the owner of the account and not using the savings account, simply because they said it was for maintenance. 
I contacted them and tried to fix the problem and they only told me that they couldn't do anything, that they were company policies, because I had nothing left but to cancel the savings account and only keep the debit account, because it was a lot of money a month. They only agreed to cancel the account and gave me no other option.
Product: Credit card or prepaid card

I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers
Product: Checking or savings account

They switch my account from personal to business without me knowing and I gotten a 1099 that I didnt know of until this year that they took my taxes they closed my account and when reaching out to customer service they said theyll get back to me and never did to this day I do not know why my account was closed and switch without my knowledge
Product: Debt collection

On around and about XX/XX/2023 at XXXX I received an inconvenient phone call from a company by the name of Sunrise Credit Services who is headquartered in XXXX, Ny. The agent specifically said that this call is an attempt to collect a debt which immediates put this company in violation of FDCPA. I proceeded to tell him to contact me in writing. He lied and said that they sent 2 letters in the mail which I never received and I don't even know who this company is and why they are harassing me. The agent then states that if I don't pay then the next step is to reported to my consumer report which is false and misleading because I have no contract with them and wherever they purchased my information put the company in violation of Identity theft because my information was obtained for the purpose to cause me harm. I am a natural person who can speak for himself and will not tolerate anymore harassing calls from this company. In the attachments below I have proof of Sunrise Credits Services repeated phones, I sent a cease and desist letter, I filed an Identity theft report, and an invoice for their violations against me. Next will be an attorney general complaint with the same evidence proving their unfair debt collections practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies ( XXXX, XXXX  and Equifax XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EXPERIAN is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EXPERIAN is a third party corporation and I did not give EXPERIAN permission or authority to use or communicate my information with any third parties under USC 1692c ( a ).
Product: Debt collection

Resurgence Legal Group had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old XXXX  card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.
Product: Debt collection

I submitted a complaint to XXXX XXXX on XXXX ( Complaint ID XXXX ) and XXXX ( Complaint ID XXXX ) and both claims were closed after XXXX XXXX responded with an itemized document. This letter is in response to those claims. XXXX XXXX claims that I Owe {$2700.00}. I requested that XXXX XXXX provided me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is 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 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 noncompliance.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX and Equifax 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. 15 U.S.C 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 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.
Product: Credit card

To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent call with your representative, XXXX and the Supervisor XXXX, regarding a dispute. The details of the call are as follows : Representative Name : XXXX Call Reference Number : XXXX Call Time : XXXX XXXX XXXX Supervisor : XXXX ( Chase Disputes ) Date Received : XX/XX/XXXX During the call, I raised several concerns and questions that were not adequately addressed. Specifically : Reason Code Issues : I was unable to change the reason code for my dispute. 
I was unable to add a reason code. 
I received no clear explanation for these restrictions. 

Quality of Dispute Handling : The reason I am disputing is not being considered as a quality issue or a services not as describe issue. 
There appears to be a lack of consideration for human error made by Chase or by Customers in the dispute process.

Lack of Instructions : I was not given any instructions on what I needed to do to amend the dispute to achieve the desired outcome.

These issues are significant as they directly affect the resolution of my dispute and reflect poorly on the quality of service provided by your team. I would like to request a thorough review of my case and clear answers to the following questions : Why is it not possible to change the reason code? 
Why am I unable to add a reason code? 
Why was I not given instructions on what I needed to do to amend the dispute to achieve the desired outcome? 

Erroneous information provided by XXXX. XXXX told me on the phone that the only way to get this fixed was to request a call back by a XXXX. This turned out to be incorrect information. 
Why was I not told that I had the option to file paperwork by XX/XX/2024 in order to amend the dispute? 
Why was I given erroneous information by XXXX Give me the opportunity to re-open the dispute in question with XXXX XXXX XXXX due to the human error by JP Morgan Chase supervisor named XXXX. She informed me that the only way that I could reopen my dispute was to speak to a Manager. I did not recieve a call back from a manager until XX/XX/2024, and the manager informed me that the deadline had passed in order to submit new documentation. Based on the erroneous information provided by XXXX, I have lost my opportunity to dispute these charges with Chase and I demand that I am given that opportunity back. I demand that I am given the opportunity to dispute my charges with the merchant and to have the case heard on it's merits. If XXXX would have informed me that I could submit documentation by XX/XX/2024 to correct any deficiencies with my re-dispute and if she properly identified what those deficiencies were, then I would be able to be in a good place with my dispute. Instead, JP Morgan Chase refuses to take any additional action with my disputes claiming that the deadlines have passed. This is outrageous and must be addressed. 

I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this issue.
Product: Vehicle loan or lease

1- IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH CAPITAL ONE. 


2-I NEVER TOOK OUT A CAR WITH CAPITAL ONE IN THE YEAR XXXX, IT IS ALREADY 17 YEARS OLD DUE TO FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Following inquiries are fraudulent and authorized inquiries I WANT THEM BLOCKED AND REMOVED FROM MY PROFILE XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Wakefield and Associates XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a medical debt you claim I owe. Please be advised that I do not recall entering into any agreement or contract with your company regarding this debt. As such, I request that you provide me with detailed documentation verifying that I owe this debt, including the following : A copy of the original contract or agreement that I signed ( if applicable ).

An itemized statement showing the charges that make up the total debt.

Verification of your authority to collect on this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities until this information has been provided. If you are unable to provide this verification, I expect the debt to be removed from my account and any reporting agencies.

Please send all correspondence regarding this matter in writing to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 3 attempts in writing to delete and remove all names, addresses, and personal information that was incorrect and not provided by myself, not authorized by myself The attempts went unresolved and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be honest i dont know who or have the number nor email but i got a call from a loan service and accidently me being confident that day gave this guy my id number my bank account number etc my social my email to my bank account my routing number my password and i dont wan na get blamed for something i didnt do so for that reason i wanted to make this complaint just to ensure my safety because im bot going to go down for someone elses wrong of doing but anyways yes sorry for the inconvenience and just wanted to see whats going on with my credit score it says my credit scorebis locked and wan na get more information about that by any chance may you be able to help and wanted to see if you may help me get a backround check on myself to see if anybody is doing fraud on me. And future reference it says i put 2 different adresses but if so my keyboard on my phone probably auto corrected it and with out knowing submited the application i dont know who know but yes need guidance please and thank you for your time have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The settlement has been paid in full but I am getting the run around with getting my credit report updated with the correct information. The amount being reported is incorrect. The settlement amount of {$2600.00} has been resolved as of XX/XX/2022. Payments made for XX/XX/XXXX and XX/XX/XXXX were not reported. I have tried to get assistance with this but XXXX XXXX directs me to FMS Financial and they direct me to XXXX XXXX of XXXX XXXX. The funds have been collected but the creditors are not making the necessary updates that are a negative impact and housing status.
Product: Debt collection

On three separate occasionsXXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX contacted me via text message at XXXX XXXX These communications occurred outside the permissible hours outlined by the Fair Debt Collection Practices Act ( FDCPA ), which generally prohibits contact before XXXXXXXX XXXX or after XXXX XXXX 

I believe this behavior constitutes a violation of the FDCPA, as the timing of these messages demonstrates disregard for legal requirements. I am seeking the CFPB 's assistance in addressing this matter and holding the company accountable for their actions.
Product: Mortgage

XXXX XXXX of XXXX XXXX sent my loan to BSI illegally with no notification ( XXXX ). When doing so they reported illegally a late in XX/XX/21. In XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have illegaly held my funds paid. I received email XX/XX/XXXX from XXXX XXXX at Directors she stated I was late. I sent all bank statements in. They then turned and said they do not represent my loan. Then why did you contact me? They forwarded me an email from XXXX XXXX at BSI, he states they sent mail but it was returned. I asked for proof ( never provided ) they also increased my account without proof or notification. With that they report to credit bureaus late illegally. XXXX hours I have spent calling, emailing trying to get this fixed. I have been verbally assaulted by XXXX XXXX, disparaged, slandered, defamed and he shared my personal information with outsiders ( illegal ). XXXX at BSI told me my account was always current no issues ( I have recorded ) her supervisor XXXX XXXX told me on XX/XX/XXXX that it was being fixed with credit bureaus. I asked again for the letter and again no response. I then receive email from XXXX XXXX at Directors stating the opposite. However how could she say that if they do not rep my loan? Then I have a text from XXXX XXXX owner of Directors that they do. They have violated so many laws to entrap and extort fees so you can not refinance. The vexatious behavior with malicious intent
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. Celtic Bank ( Continental Finance Company ) XXXX Celtic Bank Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all XXXX credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all XXXX credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.
Product: Money transfer, virtual currency, or money service

As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for XXXX years. It is currently active and within the last months have charged purchases through XXXX and others which are charged to my credit card. Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. After I entered my email address ( which it uses as the account ID ) and before I entered my password, it sent a confirmation code to me email account which I received and successfully entered. I entered my password. THEN, it now demands that I give them my cell phone " Mobile '' number and will not log me in without it. This web page does NOT provide an option to skip it. I am stuck. They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. They have NO need for it. This is a violation of privacy. And what if one does not have a cell phone number? Permanently locked out. FURTHER, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' Note that is " IF '' which means it is OPTIONAL. So they are violating their own terms.