23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that JPMorgan Chase Bank is attempting to collect a debt from I the consumer makes JPMorgan Chase Bank guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Product: Credit reporting or other personal consumer reports

Fraudulent items that I never benefited from remains on my credit report, even though both XXXX and XXXX have already removed it. Despite this, the false and misleading information continues to be reported, which is not only insulting but also damaging to my character. It is extremely XXXX to see my rights as a consumer disregarded in this way. I have already reported this issue to the Federal Trade Commission as per Equifax 's instructions, yet the item still has not been removed. I am requesting immediate action to address this matter and ensure the accuracy of my credit report.
Product: Vehicle loan or lease

The vehicle that was purchased by a thief through Santander bank that shows on my collection owed {$5700.00} was not purchased by me. I was a victim of identity theft. I need it removed from all my credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 

The following items on my credit report are incorrect and should be removed immediately Experience/Equifax/TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

Account name : Opportunity Financial # 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 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: Student loan

I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so  bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Credit card or prepaid card

I WANTED TO OPEN CREDIT CARD IN XX/XX/XXXX, BUT, BECAUSE I DIDN'T HAVE A SOCIAL SECURITY NUMBER YET, THE BANK OF AMERICA COULD ONLY OPEN A SECURED CREDIT CARD FOR ME IN THEIR XXXX XXXX XXXX XXXX NEW JERSEY BRANCH IN XX/XX/XXXX, I DEPOSITED {$1000.00}, THEREAFTER MADE ADDITIONAL TRANSFERS TO THE SECURED CREDIT CARD ACCOUNT. 

I DECIDED TO CLOSE THE ACCOUNT AND CALLED THE BANK TO DO SO, I WAS TOLD THEY'D DEDUCT THE CURRENT BALANCE OF {$75.00} AND SEND ME THE REST OF MY SECURITY DEPOSIT. 

ACCOUNT WAS CLOSED ON XX/XX/XXXX. 

BECAUSE I HAD LEFT THE NEW JERSEY ADDRESS ON FILE, I REQUESTED A CHANGE OF ADDRESS AND WAS REASSURED THAT WAS DONE AND THAT I WOULD RECEIVE MY CHECK IN THE MAIL WITHIN 21 BUSINESS DAYS. 

AT THE EXPIRATION OF THE GIVEN DAY, I CALLED THE CUSTOMER CARE AND I HAVE CALLED THE CUSTOMER CARE SERVICE AS MUCH AS 10 TIMES AFTER THEN, I EVEN CONTACTED THEM VIA TWITTER TO NO AVAIL. 

THE BALANCE STARTED ACCRUING INTERESTS WHICH THEY MADE ME PAY TODAY XXXX XX/XX/XXXX. 
NOTE THAT THE INTERESTS ACCRUED IS NOT MY FAULT SINCE I ALREADY REQUESTED ACCOUNT CLOSURE, BUT, FOR THE SAKE OF GETTING MY MONEY I DECIDED TO PAY ANYWAY. 

TODAY, XXXX OF XX/XX/XXXX, HAVING WAITED MORE THAN 3 MONTHS TO RECEIVE MY SECURITY DEPOSIT, I WENT INTO THE PHYSICAL BANKING XXXX XXXX BANK OF AMERICA, AFTER SEVERAL CALLS BACK AND FORTH, WITH AN EMPLOYEE EVEN SAYING THEY NEVER HEARD OF ANYTHING CALLED A SECURED CREDIT CARD, I WAS TOLD THE BANK DOESN'T HAVE MY MONEY. THAT I WAS THE ONE WHO OWED THE BANK. 

I WAS TOLD IT WAS NEVER A SECURED CREDIT CARD BUT A REGULAR ONE AND THAT I NEVER MADE A SECURITY DEPOSIT, WHICH ULTIMATELY MEANS BANK OF AMERICA IS TRYING TO DEFRAUD ME OF MY {$1000.00} AND TO KEEP MY MONEY. 

I HAVE PAID ALL BALANCES DUE AND BANK OF AMERICA OWES ME {$1000.00} WHICH SHOULD ALSO START ACCRUING INTERESTS UNTIL THE DAY THEY PAY ME BACK THE FULL SUM. 

I HAD A CHECKING ACCOUNT WITH BANK OF AMERICA WHICH I ALSO CLOSED, IT WAS FROM THIS ACCOUNT I MADE ALL PAYMENTS DUE ON THE SECURED CREDIT CARD ACCOUNT. 

TO FUND THE BANK OF AMERICA ACCOUNT, I TRANSFERRED MONEY FROM MY XXXX   ACCOUNT VIA XXXX. SINCE THE BANK CLOSED MY CHECKING ACCOUNT, I NO LONGER HAVE ACCESS TO STATEMENTS. HOWEVER, I HAVE ATTACHED STATEMENTS FROM MY XXXX ACCOUNT. 

BANK OF AMERICA SHOULD STOP DENYING ME OF MY HARD EARNED FUNDS AND DO THE NEEDFUL IMMEDIATELY.
Product: Checking or savings account

I opened an online checking and savings account with Huntington National Bank in XX/XX/2019. I made deposits, ordered checks, transferred money to relatives, submitted changes to my social security deposit, and took steps to close my account at my current bank.

2 weeks ago, I tried to make a mobile deposit, and a message said I did not have any accounts set up for that. I had done this in the past so I called to find out what was wrong. 
I was connected to someone that told me my account was slated to be closed. I asked why, and was told that several years ago I had an account with them that had been closed for overdrafts. I told her I knew of that account, and that at the time that happened I had suffered major loss from fraud ( someone was using my ss number, and had gotten hold of all of my banking information ), and that I had had health problems, XXXX, etc, and when I contacted Huntington later and asked who to make payments to  so it could be resolved I was told I could not do that. 
The fact that they allowed me to open my account the last time and I had used that account meant to me that the former issue had been resolved.

I had ONE check left to come through. But instead of paying that  check with my funds they returned that check and now I have additional fees to pay because of that. 
I believe Huntington should be responsible for those fees, as they have not returned the money that was in my accounts that they closed with no notice to me.
Product: Mortgage

I had a fire at my residence in XXXX, 2019 while insured with XXXX. In XXXX a check was issued in the amount of {$22000.00} and made payable to Nationstar. I was unaware that this Company had just obtained a rental property that I have. When the check went to Mr. Cooper they deposited into the wrong account even though I sent a letter with the check with my correct account number and property address. The Company ( XXXX ) has never gotten paid and is now threatening to take me to Court in XXXX. I have made many attempts to contact Mr. Cooper and I keep getting the run around where the check is. I have sent them the front and back of the check as requested to their Research Department and have not heard back from them, when I called to them yesterday I was told they can not stop and reissue the check because it was sent to another Mortgage Company still the wrong property and do not have that information. Only thing they can tell me the Company is called XXXX. When I called that Company I was not given any assistance.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with a {$400.00} bonus promotion. The promotion was to be credited 45 days after fulfilling all requirements ; I fulfilled all requirements as of XX/XX/XXXX but have not received anything. I have contacted Wells Fargo executive offices on several occasions to resolve but have not received any resolution.
Product: Credit reporting or other personal consumer reports

A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.
Product: Checking or savings account

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX writing in regards to 2 bank statement requests to Chase Bank for 2 elderly clients who may be victims of financial abuse. The Document Identification # 's are : XXXX and XXXX An XXXX XXXX was faxed on XXXX/XXXX/XXXX to Chase Bank. On XXXX/XXXX/XXXX, XXXX received a response stating that I would need to contact Customer Service ( I have included both responses in the attachments ). On XXXX/XXXX/XXXX, I called Customer Service who stated that I would need to contact the client 's XXXX XXXX, XXXX XXXX, and discuss with him on how to obtain statements. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX who stated that I would need to provide a Release of Information signed by the client or have a court order. One client has been deemed to not have capacity as he has been diagnosed with XXXX XXXX XXXX and it would be unethical for me to have him sign any documents. 

Chase is not being compliant with XXXX request and I would like to receive the statements to complete XXXX investigation of financial abuse of an elder.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, severely impacting my credit score and overall financial stability. 

The presence of these erroneous accounts has resulted in significant hardships, affecting my ability to secure financial opportunities and maintain a normal quality of life. I respectfully request a thorough review and correction of the disputed accounts, as maintaining the accuracy of my credit report is crucial for my financial well-being. 

I urge you to prioritize this matter and take immediate action to investigate and rectify these discrepancies. Your prompt attention to this issue is essential to restore the integrity of my credit file. 

Thank you for your cooperation and assistance. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.
Product: Debt collection

15 USC 1692c ( c ) law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Debt was paid to delete, yet still remains on credit reports.
Product: Credit reporting or other personal consumer reports

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year XXXX  limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement. 
TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with Equifax, XXXX, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. 

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

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX I WAS TOLD THAT I OWE A BALANCE THAT I HAVE NO KNOWLEDGE ABOUT WHICH I ASKED THEM TO NOT CONTACT ME AND THAT I AM A VICTIM OF IDENTITY THEFT TWICE SINCE XXXX AND XXXX YEAR I HAVE MADE SEVERAL REPORTS TO THE CREDIT BUREAUS ABOUT THE INCIDENT ..THE DEBT COMPANY STILL INSIST ON ME PAYING WHICH I HAVE NO KNOWLEDGE OF.AT THIS POINT I FEEL LIKE I AM BEING HARRASSED WHICH IS CAUSING EXTREME STRESS AND TRAUMA IN MY DAILY LIFE.
Product: Debt collection

I am writing to formally lodge a complaint against Santander Consumer USA. They have been engaging in practices that I believe violate my consumer rights under federal law. Specifically, Santander Consumer USA has reported without providing me with the required validation information, as mandated under 12 CFR 1006.34 ( B ) ( 5 ). I have not been given any opportunity to dispute this account as required by 12 CFR 100.634 ( C ) ( 4 ) ( I ).

These actions by Santander Consumer USA constitute a violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. Their failure to adhere to these legal requirements has caused me significant distress and has adversely affected my credit standing.
Product: Money transfer, virtual currency, or money service

I wire transferred XXXX. To XXXX and then transferred into usdt, then deposited into XXXX platform. The XXXX refuses to allow any withdrawals until i send them XXXX. XXXX will not return my money for their mistake sending my money to a scam website. XXXX knows what websites are scams yet they continue to allow transfers to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 55 days they have not updated my credit report. They keep sending me verified item but arent really telling me how these investigations were being conducted. I have placed phone calls ; they have ignored all my requests to delete these inaccurate items off my credit. At this point I feel as I am being taken advantage of and would like for specifically XXXX XXXX XXXX to delete these inaccurate accounts off my credit report at once. I demand for these unfairly reported accounts and inquiries to be deleted or I will file for litigation due to the XXXX you have brought upon my family. My information was also impacted by the Equifax data breach and might have gotten into the wrong hands. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interests every year. Therefore, this is not just a regular dispute as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  and to my knowledge I do not recall any of these accounts. I need this problem resolved as soon as possible. I will not wait another 55 days to receive no favorable or inconclusive response, for clearly you are ignoring my request to re-investigate and most importantly delete these unfairly reporting accounts off my credit report. I will file for litigation due to the XXXX you have caused me unless we agree to delete. Please keep in mind in section 611 ( a ) it is plainly stated that a failure to investigate properly within 30 days gives a reason to immediately remove those items from my credit report. It has been 55 days, so they should be deleted at once.