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

On XX/XX/XXXX my chase bank account got over taken by a stranger who made claims that were not me and also deposited altered checks to my account. As soon as this happened I called chase bank and let them know and those claims were cancelled immediately. It took a few business days for those claims to be resolved and they also put a restriction on my account.The chase representative I spoke to said they recommended I change my username and passwords and once those claims resolved to go to chase bank and open up a new account. I then proceeded to change my user name and passwords and make an appointment with chase bank on XX/XX/XXXX. I went to the bank and spoke to a teller and she was able to get my account replaced with a new account number and also a new debit card which they said I would receive it 7-10 business days. On XX/XX/XXXX I tried logging into my account on chase mobile app and I was unable to login with a message saying call us to unlock it. I called chase customer service to unlock my account as they stated in the message and they said they closed my account and I can no longer make an account with them. I had {$1100.00} in my account. When I asked why they closed my account they did not give any explanation. When I asked about my funds they said they will send a paper check to my address in 10 business I would receive it. Then they said 20 days because they need to close the account first in order to send out the check. I am XXXX and the only money I receive is from my social security. That is the money they have now and I can not wait that long to have my funds returned to me. They told me one thing and did another and I wouldve had no clue that they closed my account if I wouldnt have called them myself because they did not notify me within time for me to go remove my funds and have them on hand. Attached is a receipt of my new account that I took time to go open because that it was they recommended. I do not move around easily I am wheel chair bound and it is difficult for me to transfer and do these things. It is not fair I took the time for them to give me a cold shoulder this way. Please help me.
Product: Credit card

I have repeatedly had issues logging into the Synchrony website in order to verify my due dates, change bank accounts and payment sources, and just to view account information. When I try to login, it says I have a wrong password, despite having just changed it. When I try to reset the password, it fails to recognize information that would not have changed such as last 4 of social and birthdate. On the occasions that I have been able to progress through the password reset progress, it asks me to verify my phone number, and it never gives the phone number I have listed in my account. A read through on XXXX indicated that everyone else seems to experience the same issue, and even are given the same phone number. Calling customer service is a punishing experience, because it has never taken less than half an hour to problem-solve things. I have retried the password reset process, which has locked me out, which routes me back to calling customer service. 

I realize that I sound like a total whiner, but the concerns that I have is that if their website is programmed so poorly, how secure is the information? Am I viewing someone else 's information when I try to do the password reset process? Does someone else have access to mine? I consider myself fairly technologically competent ; I wonder about other account holders that are vulnerable. This type of situation could easily cause financial harm to the vulnerable. 

I don't know if the CFPB can do anything or even if this is an appropriate venue. I apologize if I have lodged a complaint in the wrong place.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX XXXX XXXX Account Number : XXXX Impact XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

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

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

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

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Product: Debt collection

Complaint ID : XXXX and XXXX Per these 2 complaint IDs, XXXX XXXX XXXX the Vice President of Compliance for Automated Collection Services , Inc. ( ACSI ) responded to my complaints and he was not accurate in his assessment of my debt, so his company is reporting the wrong debt. He stated in his response that " On XX/XX/XXXX, XXXX XXXX adjusted XXXX XXXX to {$190.00}, and also provided a payment record for a payment of {$63.00}, making XXXX XXXX current balance due {$130.00}. ". This is incorrect upon calling XXXX XXXX on XXXX XX/XX/XXXX they advised my balance was {$63.00} because of returned items being REMOVED, this is why I have been disputing the claim from the onset. I made said {$63.00} payment on the same day NOT the XXXX. If XXXX XXXX would look at the statement he sent me in his response he would see that 2 items Unreturned Emta for {$60.00} and Unreturned XXXX Router for {$76.00} totaling {$130.00}. If he subtracts the {$130.00} from the bill amount of XXXX he will see the remaining balance is {$63.00} which I provided to him as an attached document of the correspondence between XXXX and myself. XXXX XXXX then stated, " Please find attached a copy of XXXX XXXX final account statement and transaction history attached to this response for her records. '' Yes the final bill is from XXXX, not XXXX, also for his records I'm male not a female as he referred to me a " Her ''. Upon his response I contacted XXXX XXXX they stated I now owe {$2.00} for requesting an updated bill dated XX/XX/XXXX. I paid the {$2.00} today XXXX XX/XX/XXXX and proceeded to XXXX ( XXXX XXXX ) in my city and received a copy of the bill showing a XXXX balance which I have attached. If XXXX XXXX would look at this document he will see the {$63.00} as PREVIOUS BALANCE and {$63.00} as RECEIVED PAYMENT which made the remaining balance {$0.00}.
Product: Vehicle loan or lease

In XX/XX/year>, I mailed GM Financial a negotiable instrument in the amount of the loan for the vehicle. The instrument was sent with a contract that stipulated a time for a response. 1st, and stipulated terms for the acceptance or declining of the negotiable instrument. GM were to update my account in the consumer report to paid in full and all debts discharged should they accept the negotiable instrument. If GM did not accept the negotiable instrument then they were to return the negotiable instrument to the Holder In Due Course, or in this case me.

GM Financial, 1st violated my right to privacy by reporting and or selling my personal identifying information to Credit Reporting Agencies and third parties without my consent. That is Identity theft. 

2. GM accepted my negotiable instrument and agreed to the terms written in the XX/XX/year> contract. GM never returned the negotiable instrument and they did not respond in the contract timely.

3.GM responded after the contract time had expired and with me that they received and accepted my negotiable instrument and the terms in the contract. Stating in the letter ( RE Documents Received Account # XXXX XXXX XXXX. However GM then would go onto the use of threatening, conspicuous, babel, that even mentioned rhetoric on from Federal Law Enforcement Agency. further engaging in fraud.

4. Furthermore I received a lette from a third party debt collector who where attempting to collect the same debt that GM was attempting to collect in there response letter. This debt collection effort was further evidence of fraud by GM as it was now apparent they had sold my PII and orginal contract to a third party without my consent and were at the same time acting as a debt collector attempting to colr that was attempting to collect the same debt as third party debt collector they fraudulent sold my PII too. Third Party Debt Collector is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I filed a dispute with the company due to me trying to pay this bill when I lived at the complex but I did not Receive the money I was suppose to get from the rent relief program in Mississippi as I was suppose to ..I sent multiple messages to the rent relief reps with no help at all for the situation so I had to leave the complex I can not find a home due to this being on my credit now and its not fair that I have to pay all of this at once in order for it to come off of my credit so due to this Im XXXX I received no letters about being in collection I just recently found out when I tried to apply for a complex and was denied due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX  XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXXXXXX XXXX DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE:XXXX XXXX  DATE:XXXX customer service department did not help remove the negative inquiries that are reporting on my credit report.
Product: Credit card or prepaid card

The representative and I was discussing options on paying off an old credit card debt. The only reason this account became behind is because my son past away. when I was discussing my options of settlement or pay in full the representative said if I paid in full the account would fall off and be deleted off my credit report XXXX, XXXX, and XXXX XXXX. the account is still on my credit report affecting it negatively. I paid the account in full on XXXX XXXX thru XXXX I spoke to XXXX XXXX from Bank of America. He said he put in a request to have the account deleted off XXXX, XXXX, and XXXX. he gave me a dispute number of XXXX his number is XXXX Extention XXXX I had conversation on XXXX with XXXX XXXX who admitted to not listening to all audio from this case. how can you conduct a proper investigation without listening to all audio? Bank of America is cover there tracks and are nothing but liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Unverifiable no data information XXXX  XXXX  XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Im in a XXXX XXXX bankruptcy due to a couple missed payments on mortgage. I went to a company out of California and they screwed me out of {$5000.00}. And that put me further behind and Im in bankruptcy owning XXXX for 7 years. It was a court order to refinance in order to keep my home Ive been current since then.Wells Fargo denied approval for refinance for a loan modification I went to 7 other banks and Wells Fargo would not provide the pay history and Im still in the bankruptcy payment my First mortgage and Second Mortgage and the Trustees. My Mortgage is XXXX and my Second Mortgage is {$200.00} and the Bankruptcy Trustees is {$900.00} Please help
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent.

2. Remove all unauthorized inquiries from my credit report immediately.

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General.

Pursuing legal action for damages resulting from these unauthorized inquiries.

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity.

Attached to this email, you will find : A copy of my government-issued ID.

Proof of address. 
A copy of my credit report with the disputed inquiries highlighted. 

Thank you for your prompt attention to this matter. 

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

This XXXX account XXXX open on XX/XX/year> in the amount of {$19000.00} was deleted from my Experian account over 30 days and was reinserted back into my account after i sent them a letter from the creditor police report and a ftc report. This is clearly a violation of the fair credit act dealing with this fraud account
Product: Debt collection

Navy Federal was sent a Cease and Desist which included a notice of violations as it relates to the credit application that I filled out AND direction from me telling them to ONLY communicate by mail. I have attached relative documents here for reference. 

They then respond and say that they are going to CEASE ALL communication as it relates to all of the accounts I have with them. If you read my letter, I never told them to cease all communications. I made it plain and clear what they were to do. They instead, are willfully noncompliant to their responsibilities under Federal Law. Their response is also attached. 

By them not responding to the demands included in the letter, they are continuing to violate my rights as a federally protected consumer. They have also included an alert on my account that reads " Your account information is being provided for information purposes only. Providing you this information is not an attempt to collect a debt ''. They are attempting to collect on a debt because within their " loans and credit '' section it says " total debt '' and then it says that these amount are due. 

This is a clear indication that they are not only violating my federal rights, they are also contradicting themselves.
Product: Credit card

I was told that I owe a balance of XXXX XXXX From Capital One bank For a late payment and was charged 2 late fees when I paid the XXXXXXXX XXXX before the expected due date. The payment for this XXXXXXXX XXXX charge was paid on XX/XX/XXXX and the due date was XX/XX/XXXX. So Im basically being charged interest for a late fee on a payment that was never late. And because of this they recently lowered my credit score. I would like to have resolution this problem. thank you
Product: Credit card

Apparently, there were charges made on the Discover card in the amount of {$900.00} and above to XXXX we have disputed these charges with the Discover card and now these same charges have been placed back onto the Discover account. Apparently, the card owner was not contacted about these charges being placed back on the Discover card. There is so much fraud going on with XXXX and people getting people information and using it and your company making the customer pay.
Product: Credit reporting or other personal consumer reports

2nd NOTICE : The first CFPB report number XXXX XXXX  I stated that Security Finance is reporting different information to the big 3 credit bureaus and I requested a factual investigation. Instead of a factual investigation and removal of the non-factual and accurate up to date information Security Finance sent me " validation '' of this debt. FCRA requires companies to report accurate, up to date and factual information.