23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1, I have not been used Union Bank credit cards for a few years, and both were stored in my personal and safe place at home. 

2, I got an email from Union Bank for payment, I had to log in to Union bank credit card account, I found that a purchase with {$34.00} was made on XX/XX/XXXX, but I never know about that. 

3, I tried to call Union bank credit card Fraud management Services, and leave many messages for them, but no one responded to me, even though they promise to call back within 24 business hours in the voice messages. 

4, To void the late payment charge and keep my good credit score, I have to make the payment by the due date. 

5, I got a letter from XXXX, Fraud Management Services, the date on the letter is XX/XX/XXXX, it mentions that they already post a credit of {$34.00} to my account and my claim was resolved. 

6, I was very surprised by that, it was my payment, not your credit. I tried to call Fraud Management Service and left messages many times about that, NO ONE RESPOND TO ME. 

7, I had to write a letter to explain that it was my payment and provide the XXXX XXXX  money transfer record to prove it was my payment. I sent out the letter with a bank transfer proof to Union Bank Fraud Management Service on XX/XX/XXXX XXXX, I got a letter from Fraud Management Service which dated XX/XX/XXXX on the letter, it mentions that Thank you for contacting us about the Union Bank credit card account referenced above, we are reaching out to let you know that a review of this account is underway, and if additional information is needed, we will contact you. 

9, I got another letter from XXXX, Fraud Management Service, which dated XX/XX/XXXX it still considers that was union bank credit and posted to my account, so they consider my claim resolved.
Product: Debt collection

I am a XXXX woman who owns a small retail business locates in downtown XXXX, Oregon. I borrowed about $ XXXX in business loans from a funding company XXXX. I was barely on time with my loan payments before the Covid-19 pandemic that hit the entire country. My business was forced to close as per directives from the XXXX of XXXX and our XXXX of Oregon. 

Due to the Covid-19 pandemic and store closure, I fell behind in my loan payments, and XXXX XXXX XXXX sent my loan account to a collection agency names National Check Resolution Inc. for collection. This company got in touch with me on XX/XX/XXXX, and we worked out a payment plan, which both parties were agreeable to this payment plan. They sent me a form to fill out with the monthly amount to be paid on each date, per month, and the final payment amount on which year. However, after 2-3 months, NCR changed their tune and said they wanted to collect the entire amount. I explained to their agent XXXX, who assisted me with the payment plan agreement, my business situation hasn't changed since XX/XX/XXXX. I was still struggling with my retail business and didn't have that kind of money to pay the entire balance. I also brought up the agreement paperwork that I filled out and signed with National Check Resolution , Inc., which said I only have to pay a small amount every month, it also stated I have until XXXX to pay the last balance. XXXX, the agent said, she recorded me over the phone to show that I agree to a 3 months evaluation to see if I continue to make the payment to NCR, which I did agree to a 3 months evaluation. However, I never agreed to pay the entire amount in full after 3 months as I don't have a $ XXXX lump sum to pay due to lack of retail business in my town. Today, on Tuesday, XX/XX/XXXX at XXXX XXXX, the agent named XXXX from NCR called me and left the following voicemail message on my cell phone : " Yes, this message is intended for __, and this is XXXX with NCR touching bases with you concerning the outstanding XXXX XXXX XXXX, I do need to get the name and number of the attorney that's representing you on your outstanding balance if you can contact the office back at XXXX. 

My heart sank as I listened to this voicemail message. First, I do not have an attorney ; I find this voicemail message extremely threatening and intimidating. I see NCR as a big collection company that's threatening a woman minority business owner who's struggling to keep her small business afloat while dealing with our country 's pandemic. I feel so helpless, and I don't know what to do? 

At this point, I want their abusive phone calls to stop, and I want NCR to uphold their payment plan agreement with me which I've signed with them on XX/XX/XXXX. I have documents of the payment agreement that I signed with NCR, and I can produce the proof.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have never opened a credit card with wells fargo bank for {$500.00}.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to ask that some soft inquiries be removed that were not authorized by me. I tried to explain to XXXX employee number XXXX that there are 16 soft inquiries on my credit report and most of them are not mine. XXXX XXXX informed me there are 0 inquiries on my report. Again and again I informed XXXX XXXX that I see 16 inquiries on my computer. Finally I told XXXX XXXX XXXX I want to speak to a supervisor. After some time XXXX Employee number XXXX got on the line. I explained to XXXX XXXX what was going on. XXXX XXXX was able to locate the 16 soft inquiries. XXXX XXXX informed me that the inquiries are promotional inquiries. I tried to explain to XXXX XXXX as I tried to Explain to XXXX XXXX that most of the inquiries are not my inquiries and I want them ( meaning the ones that are not my inquiries ) removed. XXXX XXXX informed me that there is no way to remove the inquiries. I asked to speak to some one who could. XXXX XXXX informed me that there is no one who can remove the inquiries. I asked XXXX XXXX if I go to apply for credit to an auto dealer or bank or get a mortgage if the soft inquires will have any effect. XXXX informed me no. I informed XXXX XXXX that when companies see the inquiries even soft inquiries the creditor will say ; " I see you have alot of inquiries. ( I know through experience this on many occasions
Product: Checking or savings account

I went in to the XXXX XXXX, TX branch with a XXXX appt, the clerk didn't come back from lunch until XXXX!!!!! after an hour of her on hold with legal, she told me she needed a certain letter certified. she was quite rude though-out the appt, or at least not professional. I took my papers, asked specifically what they needed, she told me, but refused to write it down, and refused to talk to someone on the phone who wanted to CLARIFY what forms she wanted. I was very angry at this point at her complete unprofesional manner, took my paperwork and told her I would not be opening an account with them. 

the next day I get an email saying my checking account was open. 

she opened a checking account with out my approval or signature. 

I have spoken to wells fargo executive branch and they have closed the account, but it needs to be noted that Wells Fargo is STILL opening checking and savings accounts with out customer approval or knowledge and defrauding their customers just as they were found out to be doing in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened. 

The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error! 

This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, please put my credit card back on my equifaxs credit file i didnt tell equifax ti delete it at all, i did not file no complaint ti have it taking off, so add my card back on my report this credit card was deleted off my credit report with equifax see please add this card back
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Kohls for certain information which they did not provide to me the full " original contract '' I asked for and only sent me statements and a letter telling me that Capital One is the original creditor. I now have sent letter number 3 because they also failed to mark the item " Under Dispute '' within the 30 days are per the FCRA. They have marked late payment and Charge off on every recent months the account was closed and paid further damaging my credit and keeping me from opiating credit. My next step since they received the 3rd dispute letter XX/XX/XXXX is to go to court and seek damaging compensation for defamation ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Disputes with Experian on XX/XX/2022 and XX/XX/2022, and today XXXX. That an account in collections had fraudently been added the my credit report. 

The account has a balance for {$2700.00}. The account is a collections account from XXXX XXXX XXXX. I have never been a customer of XXXX 

Each time Experian has validated this information as correct. I am the victim of fraud. As this account was opened in Georgia, a state I have never been to. I have never spoken to a representative of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. Bal {$1100.00} XXXX XXXX. Bal {$850.00} Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client Chase, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX/XX/XX/XXXX that her client Chase is trying to XXXX  me with the side affects to my health and financial life. 

She told me that " they are not trying to XXXX  you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. Chase is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The Chase attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''
Product: Debt collection

There is a unpaid debt in the amount of {$330.00}, posted to my XXXX Credit report from Credit Collections Service -- I do not owe. The debt collector purchased this fraudulent debt from XXXX XXXX. I emailed XXXX XXXX in XXXX 2023 and called the credit collections agency to proved any proof that I owe this amount or even what this was for and they were unable to do so. I then disputed the claim XXXX times with XXXX and each time it was denied.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNTS 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Checking or savings account

I opened an account with Current a few months ago and was using it as a secondary bank account. Last week I logged into my account via the Current app and noticed that a message was in my account stating that my account was under review without any further explanation. For the past week I havent been able to use my account at all and despite making numerous attempts to find out the reason for the account review, I was given no explanation. Earlier today I received an email from Current customer support informing me that my account has been permanently suspended and that the decision to do so is final and can not be appealed. In addition to losing access to the account, I also have had a dispute related to XXXX unauthorized transactions that were made using my account that has been pending for the last XXXX weeks with no update. I strongly believe that my account being permanently suspended is a direct result of my dispute and is essentially penalizing me for having been the victim of debit card fraud. The email that I got explaining that my account has been closed did mention that any pending disputes are still being investigated and if the outcome is in my favor then I will receive a check for the dispute total in the mail to my address on file however I have XXXX confidence at this point that Current will provide me with a fair dispute investigation that will lead to the recovery of the funds that were taken from my account without my knowledge or permission.