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

After attempting to obtain a bank account for my business. I learned that XXXX has an open account from Bank of America. The account stated that I owe {$2500.00}. Then filed a Identity theft report with the FTC and a Identity theft affidavit with XXXX. After I sent in this information to both Bank of America and XXXX, I received a letter from XXXX. The letter says that the report is disputed by Consumers and Verified Accurate by the Financial Institution. The validation that was sent that the XXXX  have on their records is a document showing that I originally opened the account. It does not show that I did fraudulent activity of {$2500.00}.
Product: Credit card or prepaid card

I am writing to complain about the extremely inconvenient and possibly willfully deceptive nature of deferred interest promotional balance repayments on the Lowes/Synchrony Bank credit card. 

I made a 12-month deferred interest promotional purchase on XX/XX/XXXX and expected, like with other payment systems, that my monthly statement would reflect my regular purchases plus the minimum monthly repayment amount on the promotional balance. This is not the case. My XXXX statement balance includes regular purchases plus the entire promotional balance, and Im left to manually calculate, each month, for twelve months, my actual statement balance less the promotional balance, plus the promotional balance divided by the promotional period. 

This is absurdly inconvenient and Im adamant that tens of thousands of Lowes customers with deferred interest promotional balances are not taking the time to do this, and are thereby either unnecessarily repaying deferred interest promotional balances early, or incurring fines for errors in their monthly manual repayment calculations.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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

This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt  checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Product: Debt collection

HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket. 
Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The accounts listed below are the result of such crime and must be deleted immediately XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 
I have disputed this account because it was opened fraudulently. Experian is leaving this up to furnisher who is XXXX XXXX to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. XXXX XXXX has asked for a copy of my ID. This has been submitted to Experian to submit to them several Times
Product: Student loan

I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
Product: Mortgage

I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.
Product: Payday loan, title loan, or personal loan

Hello, when my accounts at XXXX were closed, there was an installment loan standby cash attached the checking account, I tried two times both in XXXX of 2022 and again in XXXX of 2022 of paying the balance owed, neither time did they process the payment right. Neither time did it even come thru to my current bank ( XXXX ) - all of a sudden i see this negative account being reported to my credit reports. Ludicrous! I called in TWICE ( 3 times now ) to make this {$86.00} payment or whatever it was. This is madness, I made it and they didnt either take the routing and account # right or whatever they did.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports. 

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX Bank, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX XXXX XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation of Unauthorized Withdrawals Dear Consumer Financial Protection Bureau ( CFPB ) I hope this message finds you well. I am writing to request your assistance regarding unauthorized withdrawals from my Chase Bank checking account into XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I discovered that, since XXXX, a monthly automatic withdrawal of {$29.00} has been made from my Chase Bank account to XXXX XXXX XXXX XXXX ( XXXX ). However, I have never held any insurance policy or account with XXXX. 
After contacting XXXX customer service team On XX/XX/XXXX, I was informed that there is no record of me as a customer. Their representative requested a complete history of these withdrawals to facilitate further investigation. I have the history which Chase gave me. I mailed the history to XXXX on XXXX. 
I have also reported this matter to Chase Bank and am awaiting their further action. I hope that I am fully reimbursed for the unauthorized transactions from XXXX or Chase Bank. In addition, I want XXXX or Chase Bank to stop the automatic withdrawals right now. 
I kindly request that any further automatic withdrawals of {$29.00} be stopped immediately to prevent additional unauthorized deductions. I have already requested Chase Bank to stop the automatic withdrawals, but they informed me that I would need to pay a certain fee for this service. Additionally, even if they attempt to stop the withdrawals, they can not guarantee 100 % success. Chase Bank advised me that I must request directly from XXXX XXXX XXXX XXXX to ensure the withdrawals are fully stopped. 
The most important thing is that there is a high possibility that the same thing as my experience can have been happening to many bank customers. So, I wish you ( CFPB ) would investigate this unauthorized withdrawals. 
Thank you for your time and assistance. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Chase Bank XXXX XXXX : XXXX FAX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, 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 & delete any items which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these items from files. 
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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute these Discover Student Loans for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.
Product: Credit reporting or other personal consumer reports

The accounts on all three bureaus must be accurate and correct, and not reporting misinformation or mispresentation of information, XXXX XXXX was not able to verify the information also I contacted the creditor and they did not provide any documentation supporting this account I do not have contract with XXXX XXXX so therefore this information must be Deleted immediately. 15 U.S. Code 1681s-2
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting actXX/XX/XXXX account # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting at XXXX Account listed below has violated my rights : 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  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: Credit reporting or other personal consumer reports

This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call from a debt collection company called " Summit Receivables '' located in Nevada. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees. 
and this information is negatively affecting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian credit report.
Product: Bank account or service

I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I received notice that my account was closed..XXXX XXXX XXXX at XXXX XXXX. was the last transaction that I made. It was to my spouse for {$100.00}. I tried for two weeks to find out why my account was closed. The only thing that they told me was that I did not follow the terms of service. I asked the person that I was talking to what does that mean. They resused to give me an answer. I called back a few days later and got the same response. Both people taking the call said that they were going to forward this information to a special team to make a decision on my account. I told that that i did not understand and wanted to know why my account was closed. I had it linked to two different banks for which I reseive my Social Security XXXX and My VA XXXX It was eary to move the money where I need to to pay my billls. : What did I do wrong? It does no make sense. But they would not tell me what I was doing wrong. If I did something wrong I would not do it again but nothing was given to me about what I did wrong. I am really put out for this. It is hard to watch your bank accounts because there are so many people out there trying to get into you account. I watch it every day and keep track of everything. The service that I am talking about is CASHAPP. I want to know what I did.