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

On XX/XX/XXXX i went to Chase Bank,XXXX XXXX XXXX, XXXX , CA.XXXX ( XXXX ) XXXX, to open a checking account. After the employee " XXXX XXXX '' processed my personal info told me that she couldn't open the account, because there was a notice of a previous checking account ( which i closed with XXXX  balance ), but she never told me what was reason. After several calls and wasting 2 hours of my time she opened the checking account. After i received the welcoming letter and the Debit card i received a call from " XXXX XXXX '' to go back to the Bank with my personal mail in order to prove that my address is correct. On XX/XX/XXXX i went back with mail to prove my address.After she called two departments of Chase, she told me that Chase blocked/deleted my checking account without explanation even though i insisted to tell me the reason. Throughout my time with " XXXX XXXX '' her Supervisor was monitoring everything which was Unprofessional. The phone # she gave me is ( XXXX ) XXXX ( Operating Loss Prevention ) which i called on XX/XX/XXXX and spoked to employee XXXX ( female ) who was Rude and Racist for pretending that she don't understand me because of my accent ; i called this # ( XXXX ) XXXX on XX/XX/XXXX which is a phone center in XXXX, they were unprofessional and couldn't explain the note of my previous account. I feel that i am a victim from a Fraudulent and Racist/Discriminatory Company, because i asked to open a checking account.  Plus they willn't return my initial deposit i made to open the account. Chase Bank was Bailed out with taxpayer money ( like many other Companies ) on XX/XX/XXXX for Defrauding consumers and other Companies around the World, but after XX/XX/XXXX continue the same tactics. American Government should be proud for doing that, but never bailed out any consumer from those Fraudulent Financial Companies/XXXX for being Defrauded for so many years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I never expressed a written or verbal consensus granting Equifax permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Debt collection

What happened?

Spring Oak Capital LLC has failed to send me a Privacy Notice which is a violation of 12 CFR 1016.4 Fair Credit Reporting Act and Privacy Act of 1974. I have not given written consent to niether corporation to furnish any information to my consumer report. Thats a violation initial privacy notice to consumers required 12 CFR 1016.7, Form of opt out notice to consumers, 15 USC 6802 Obligation with respect to disclosure of personal information. In closing I have not received a 1099 C for this discharge of debt from the original creditor which is also a violation. And my consumer report score and further causing pain off suffering with in accurate reporting.
Product: Money transfer, virtual currency, or money service

I lost money from doing Zelle well over {$800.00} in from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the following dispute to XXXX ( through the XXXX web site ) on XX/XX/XXXX. ( I was given a very limited space to give additional comments. ) See below : Why are you disputing this account? 

Account is not accurate Reason ( s ) for dispute : 1. The dates on this account are incorrect 2. This account is too old to be on my credit report Additional Comments : " This balance different than statements received from XXXX  Both different than original hospital balance. The statements I have received FASELY show payments I have never paid. Original service XX/XX/XXXX '' I received XXXXXXXX XXXX  response on XX/XX/XXXX ( Attached ) The original total that I was " responsible '' for was {$1800.00} ( I have attached a copy of XXXX  from XXXX ). The amount that Choice Recovery ( CR ) was attempting to collect was {$1600.00} ( I have attached copies of statements from CR ). And the amounts CR reports to the credit bureau are {$360.00}, {$520.00}, {$420.00} and {$350.00} leaving a total of 8 negative marks... This is not necessarily the problem, however. 

As you can see on the XXXX from XXXX, the date of service is on or about XX/XX/XXXX. On the credit bureau report ( account details ) the open dates for the above amounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached copies of these pages also ). 

Additionally, as you can see on the attached statements from CR each statement declares " We have received a payment of ... '' at the top. I have never made a payment on any of these accounts because I left my employment shortly after this hospitalization ... Interestingly, many of the payments that CR claim that I made is in the amount of {$73.00}, the amount of my payments for current accounts at XXXX XXXX ( I have attached a current statement from XXXX ). If CR has access to my current account at XXXX, I feel this is also in violation of my HIPA rights. You will also see on the statement from XXXX that the earliest date of service is XX/XX/XXXX, meaning that I had payment arrangements with XXXX at that time. ( All of the " open dates '' for CR is after that date. ) Again, I did not make any payments on the XXXX account because I was unable to " catch up '' and " keep up '' at the same time... 

Also, Please note that, while CR claims that I " made a payment, '' the balance on the statement never changes. 

Finally, I believe that XXXXXXXX XXXX investigation amounted to allowing CR to " self investigate. '' We are now in a position that requires us to look for housing and I am concerned that, with a credit score below XXXX we will be denied housing. 

Thank you for your time! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting

a leasing agreement was opened under my social security and name with XXXX in XXXX. XXXX payment was made and the account was considered abandoned. They continue to report that this account is " open '' on my credit report when the account should have been sent to collections and closed after all these years. I want the account sent to collections and closed. No payment has been made since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent items reporting on my XXXX  person credit report, due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

In XX/XX/2019 I began having difficulty making my mortgage payment. I tried to pay half and then catch up XXXX, and was unable to do so based on PHH ( a subsidiary of Ocwen ) not accepting partial payment and not responding to my question. I then applied for a modification. I sent all the required documents to them. They claimed not to have received them. I sent proof to them that they were sent. Then they claimed that the tax returns werent signed. I verified they had been. I then reached out to a short sale company, but was told by my relationship manager that I had to first request modification. She stated she saw that the tax returns were signed and  didnt know what the problem was this was in XXXX. The Real estate agent I was working with was unable to get anywhere with the mortgage company regarding what they wanted and how to go about getting the property sold. In XXXX I lost my job. I advised PHH this. They did not care. I made calls to them daily and each time theyd say a different thing or state that I didnt send them this document or that or that it was outdated and any excuse they could find. I needed to move because I lost my job. I hired a different agent who I thought could better assist me. I was finally denied the loan modification so I could proceed with liquidation. When I finally obtained a buyer I was told that I had been approved for the short sale and also that I could get a cash incentive or a consideration payment of up to {$4500.00}. This was in my letter. I was then told the buyer would have to pay for it. The buyer has been waiting since XXXX to get the home. Buyer threatened to back out because they didnt want to pay my relocation fees. We are still fighting with the bank. I feel nothing will get resolved and the home will be foreclosed on. I have no guidance in this  manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX Balance : {$1300.00}
Product: Debt collection

STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.
Product: Debt collection

In 2012 the truck that I was financing through Prestige Financial was reposed voluntarily, they sold the truck at auction and never made it known to me the value that they received for it ( I have asked ), fast-forward XXXX, shortly after I started working at my current job they garnished my paycheck for over a year, then abruptly stopped. Today, I received another wage garnishment letter from them that they plan on doing the same thing again. The customer service agents are quite rude and impatient and I can not get anyone to talk to regarding this. I do not live in the state where I have to appear in court and can not contest it because I would have to show up. Are they legally allowed to do this?
Product: Debt collection

I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.
Product: Debt collection

I recently reviewed my XXXX credit report which indicated two collection accounts from XXXX XXXX XXXX XXXX XXXX in the amounts of {$850.00} and {$540.00}. The alleged original creditor is Uplift. According to my records, I did not receive written notice of the debts from XXXX XXXX XXXX XXXX XXXX, and my right to dispute under the Fair Debt Collection Practices Act. As a result of their most recent actions, I have suffered great harm to my credit score as a result of these alleged debts being reported as collection items. Please note that I have filed a previous complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) about the same issue regarding written verification of the debt and the right to dispute.
Product: Debt collection

This account is not mine they can not prof as mine .... so they do not show any date, information and validation for this account just that it posses a amount of {$980.00} ACCT XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$2200.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Highest Balance {$2500.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ) TransUnion has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Product: Credit reporting

In XXXX of this year XXXX Bank lowered my credit card available balance Based on information they had received from TransUnion. They gave me a very low credit score and I was never even made aware of the fact the XXXX XXXX who 's card is issued by the said mentioned bank had run a credit check on me. I never gave them authorization to do a credit report on me I have been with them for so long this had never happened. When I explained that the majority the information was incorrect the time. At that time I figured that the issue would correct itself with proper monitoring and for a while it did. Until again XXXX Bank ran a SECOND credit report for me on my XXXX XXXX XXXX in XXXX. The first XXXX was done in XXXX the second in XXXX. It was n't until I contacted XXXX and XXXX from the Consumer Affairs division told me what had happened. Low and behold TransUnion sent them the same information they had sent previously to this bank. Same generic letter issued and same reasons. Nowhere in that report does it have the installment loans I pay for each with through payroll deduction. XXXX is in denial as to what has happened until I contacted XXXX again today and informed her of this problem. 

She was supposedly contacting XXXX Bank and informing them of the situation. At no time did I give them authorization to run BACK TO BACK CREDIT REPORTS!!!! This is clearly a big issue why if you had run XXXX previously and you were informed of discrepancies would you run another XXXX a month later from the same bank..This lowers my credit as well as XXXX scores. Which according to several of my credit cards which are monitored by TransUnion ALL HAVE DIFFERENT SCORES. 

There is also a XXXX point discrepancy according to the current report issued and on XXXX XXXX by TransUnion to my creditors. I believe that both XXXX Bank and TransUnion should be held accountable and liable for these erroneous mistakes. Playing with someones credit is beyond comprehension. I am asking for a resolution to this matter if at all possible. If this can happen to me how many others out there are going through the same thing.
Product: Debt collection

On XX/XX/ a company me called in regards to a cell phone payment. 
They said the card I have on file declined. I told them I am out of work and I will be in touch with them as soon as I can make a payment. They continued to ask me when will that be. I told them I dont know and they continued to ask personal questions like how am I paying my other bills and surviving I felt like this was very unprofessional and abusive.
Product: Mortgage

I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reinserted on my credit profile after my reinvestigation 1 year ago this account was successfully removed now XXXX and equifax illegally violated FCRA by reinserting this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account was never properly investigated after i sent mulitple investigation disputes. I received letter back from XXXX  and equifax stating this account was properly investigated! XXXX and Equifax violated FCRA by failing to properly conduct reinvestigations of disputed information. They also failed to delete inaccurate, incomplete or unverified information.
Product: Debt collection

JEFFCAPSYS XXXX Re : Cease and Desist Notification Dear Jefferson Capital This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law. 

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TXXXX XXXX XXXX WHO LATER PAID THEM.