23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC sold a debt and is attempting to collect money from a debt that is not owed by me and was placed in my name fraudulently. The company that contacted me about this debt is named XXXX XXXX. This attempt to collect was after I requested that LVNV delete the fraudulent account from my credit report. In my initial complaint I also provided documentation to prove that I was a victim of identity fraud. I believe LVNV Funding LLC placed the debt with XXXX XXXX intentionally and maliciously since they can not collect any debts due to fraud. They have violated my rights by selling a debt or having another company attempt to collect a debt on their behalf that has been included in a FTC report.
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my XXXX file. It was completely gone. 

I then proceeded to contact XXXX and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : Capital One / XXXX XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Derogatory Mark : XXXX XXXX XXXX XXXX XXXX I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold XXXX accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : XXXX University XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX XXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXX University account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt collectors are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA. 

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXX XXXX  charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation o

f FCBA, which requires creditors to provide accurate information to credit bureaus. I demand that these errors be corrected imm
ediately in accordance with federal law. I also demand that any negative impact on my XXXX XXXX be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a car loan with XXXX. The car was repossessed and subsequently re-sold to another individual. XXXX applied NONE of the funds from the resale to my balance and is now attempting to collect the full balance from me and apparently a balance on the same vehicle from someone else. 

I have been told that this company does this to virtually everyone..often selling the same car 5 or 6 times and then collecting full balances on each of them so that, in effect, they can collect {$40000.00} in balances on ONE $ XXXX vehicle. This is not only unethical, it is ILLEGAL and the CFPB needs to turn this into a national class action lawsuit. 

They have also now placed this debt with NCB Management which means they are also breaking federal law XXXX Account XXXX NCB Account ( same )
Product: Bank account or service

Check was cashed on my account. I did not write the check. Check was stolen and used fraudulently. Bank states I did not report check stole but bank was told checks were lost since moved into new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account Name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

On XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.
Product: Bank account or service

I have been a Chase checking customer for about 15 years. I currently have both a personal and a business account with Chase. Last year, I was induced by XXXX XXXX in the XXXX XXXX, California branch to open a Chase Private Client ( CPC ) account. It was a very " hard '' sell. XXXX XXXX told me explicitly that XXXX % of the fees associated with my business account would be waived if I became a CPC client. I signed up for the CPC accounts ( ONLY because of the promised waiver of fees ) and soon noticed that I was incurring monthly service fees as well as fees for incoming wires. I inquired on multiple occasions from both CPC bankers in my local branch in XXXX XXXX as well as bankers in other branches as to the reason for the ongoing fees. The bankers said the fees were due to the fact that my business account was not " linked '' with my personal CPC accounts. These bankers then informed me ( on multiple occasions ) that they had in fact " re-linked '' the accounts and the problem had been rectified. As a courtesy, the bankers also credited back many of the incoming wire fees stating that they were doing so because the fees were assessed in error. Nonetheless, I continue to incur fees for both monthly account maintenance as well as incoming wires. Recently, I asked XXXX XXXX to reverse several incoming wire fees and he refused. He was extremely rude and stated the wires were my problem. I would like Chase to honor the word of XXXX XXXX and waive all fees associated with my business account. I also ask that Chase discipline XXXX XXXX for making false claims to a customer in order to make a sale. 

Also, I was urged to put my savings into XXXX different JPMorgan-managed investment funds. XX/XX/2014, I was faced with a considerable tax bill for income in the accounts although I had not realized any gains or income. My private banker was completely unable to provide a satisfactory reason why I was facing a large tax bill when I had received no cash nor realized any gains. I feel like I was pressured into investment accounts that only benefit JPMorgan through fees. 

I would appreciate a response to this email. I have been a loyal Chase customer for many years and would like to remain with the bank. Please address my concerns so I can continue to bank with Chase. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for a debt with JPMCB Card ( JPMorgan Chase Bank , N.A . ) reported incorrectly to my credit report. I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ). 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ) matching these records. They did not provide me with the original contract as I requested. 
JPMCB Card ( JPMorgan Chase Bank , N.A . ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. JPMCB Card ( JPMorgan Chase Bank , N.A . ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. JPMCB Card ( JPMorgan Chase Bank , N.A . ) have caused a negative impact on my credit report due to the inaccurate information they have reported. 


Further, I am also not liable for a debt with XXXX  XXXX XXXX, XXXX. reported incorrectly to my credit report. I do not have a contract with XXXX  XXXX XXXX, XXXX. 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with XXXX  XXXX XXXX, XXXX. matching these records. They did not provide me with the original contract as I requested. 
XXXX  XXXX XXXX, XXXX. claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. XXXX  XXXX XXXX, XXXX. is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX  XXXX XXXX, XXXX. have caused a negative impact on my credit report due to the inaccurate information they have reported.
Product: Debt collection

Midland Credit Management is falsifying information, stating that I owe debt to them, that I do not owe. They illegally reported to the credit bureaus that I owe debt to them. This is fraud, as I do not owe them any debt. 

I have written to Midland Credit Management several times, via certified mail, stating this debt is not mine and to cease all collection activity against me. Specifically referencing that they DO NOT have a SIGNED CONSUMER CONTRACT with me. 

And by not having a signed consumer contract with me, I have asked Midland Credit Management to remove and delete this account from my credit reports multiple times, which they have failed to do. 

Midland Credit Management is in violation of the fair credit reporting act and their actions are harming me by impacting my ability to obtain credit. 

I am demanding that this account be immediately removed from my credit report.
Product: Debt collection

Subject : Urgent Dispute Fraudulent Account Removal To Whom It May Concern, I have attempted to dispute this fraudulent debt on multiple occasions, yet nothing has been resolved. This credit card account was opened fraudulently without my authorization, and despite my repeated efforts to have it removed from my credit report, it remains. Your failure to address this matter has left me no choice but to escalate my complaint. If this debt is not immediately removed from my credit report, I will be filing multiple formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to protect my rights. I demand written confirmation that this fraudulent account has been deleted from all credit bureaus. This matter requires urgent attention, and I expect full resolution without further delay.
Product: Debt collection

A Fake XXXX XXXX XXXX account was opened using my name and social. I attempted to resolve this problem with XXXX XXXX XXXX directly but they refused to remove the claim even though it was fraudulent.
Product: Credit card

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Capital One, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

BELOW IS THE LETTER I MAILED TO SYNCHRONY BANK ON XX/XX/2023 Dear Synchrony Bank Customer Service, I trust this letter reaches you in good health. I am writing to express my deep disappointment and concern regarding the recent closure of my account ( Account Number : [ Your Account Number ] ) due to a single insufficient fund payment. I am particularly troubled by the lack of courtesy in the absence of any prior notification, especially given the significant life event I am currently undergoing - a XXXX. 

I understand and appreciate the importance of financial responsibilities, and I have always strived to meet them. However, I find it distressing that my account was closed without any attempt to communicate the issue with me beforehand. A simple courtesy call would have allowed me to address the matter promptly and avoid the subsequent consequences. 

The impact of this decision goes beyond mere inconvenience. As a woman of XXXX navigating the complexities of a XXXX, the closure of my account without notice raises concerns of discriminatory practices. It is disheartening to think that such actions might disproportionately affect individuals like me who are already facing unique challenges. 

Moreover, the consequences of this account closure extend beyond the immediate inconvenience. The negative impact on my credit score is a matter of great concern, affecting my financial standing and future opportunities. Additionally, the reduction of my XXXX XXXX & XXXX 's account has increased my overall account usage, compounding the financial strain caused by the closure. 

While I acknowledge the terms and conditions that outline your company 's rights in account management, I believe that, in the spirit of fair and ethical business practices, there should be room for discretion and empathy, especially in cases like mine. 

I urgently request a comprehensive review of my account closure, taking into consideration the extenuating circumstances surrounding this isolated incident. I appeal for the reinstatement of my account and request assistance in rectifying the negative impact on my credit score. Moreover, I seek clarity on any steps I can take to resolve this matter promptly. 

I value the relationship I have had with Synchrony Bank, and I sincerely hope that we can find a resolution that addresses my concerns and allows for an equitable outcome. 

Thank you for your immediate attention to this matter. 

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

XX/XX/XXXX - I visited the Lexis Nexis website to freeze my credit file. The website stated I would need to submit proof of current US address but I have not resided in the USA since XXXX. 

XX/XX/XXXX - I called Lexis Nexis to freeze my credit file. They refused. I explained that in XX/XX/XXXX, I relocated to XXXX, XXXX, XXXX to get married to a wonderful XXXX  man. This is my first time visiting the USA since before the pandemic. While I am here, I am freezing all credit files so that I will close any channels for being a possible victim of identity theft or identity fraud since I live abroad. There was an attempt at identity fraud in XXXX. 

While the representative was on the phone, I emailed a copy of my bank statement attached to my business invoicing system, showing the bank of XXXX XXXX XXXX, Member  FDIC which lists my address of my family where my mail goes and where I reside during my current visit to the USA. They refused to accept this document. 

Lexis Nexis insists that I show proof further proof of a current address in the USA, when I do not have one. I do not live in XXXX. I live in XXXX. I have a XXXX passports but nothing else that validates my identity from XXXX. My state driver 's license expired while I have lived in XXXX as well. I have nothing to authenticate my identity as a XXXX resident, when I do not live in the country.
Product: Debt collection

Dear Eastern Account System I am writing in response to your recent communication regarding a debt you claim I owe, specifically account number [ Account Number ]. I am requesting that you validate this debt within 30 days of this letter. 
Please provide me with the following documentation to validate this debt : A copy of the original contract or agreement : I signed with the original creditor, including the terms and conditions of the agreement. 
Proof that the debt was assigned or sold to your agency, including the date of assignment or sale and the name of the original creditor. 
An itemized statement showing the amount owed, including all charges, payments, and credits. 
The name and address of the original creditor. 
I understand that you are a debt collector and that I have the right to dispute this debt. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you cease all collection activities until you have provided the requested documentation and validated the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>