23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sent numerous advertisements " Enjoy up to {$500.00} on us '' with details about opening both a savings and a checking account to earn the {$500.00} with minimum balances and length of time the money must stay in the account. When I tried to apply for both these accounts at XXXX Chase Bank branches in XXXX XXXX, I was refused because the staff person said that I had used their incentives before and they would n't accept me as a customer. I did n't see any wording to that effect in the advertisement I have. Is Chase Bank allowed to deny such a transaction?
Product: Payday loan, title loan, or personal loan

In XXXX, I applied for a {$5000.00} from NetCredit ( XXXX, Illinois ) that was approved and directly deposited into my checking account. I started having payments debited for {$260.00} monthly starting on XX/XX/XXXX ( XXXX of each month ). Ive paid over {$3200.00} to NetCredit and still owe a balance of {$4900.00} as of XX/XX/XXXX. NetCredit is a Predator Lender and a XXXX XXXX XXXX in violations of Georgia PayDay Lending Laws. This wasnt disclosed. I need help to avoid being taken advantage of Financially.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isnt completed.
Product: Debt collection

On several dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed several accounts reporting on my credit that was related to identity theft, ( accounts not mines ) or inaccurate reporting such as incorrect amounts, inaccurate payment history, debt verification of several accounts that is in question.

I again file multiply disputes via Experian online dispute center and have not received and validation letter per request.
Product: Debt collection

My mother passed away XX/XX/2021. I contacted all of her creditors. Capital One was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to XXXX XXXX XXXX XXXX. If XXXX wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.
Product: Debt collection

I recently sent a complaint out to tge company who said that I am represented by a attorney which is not the case. 

ARS needs to respond with answers. 

To Whom It May Concern : I am sending this letter to you in response an item your company has placed on my credit report. Today XX/XX/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX sending me XXXX XXXXXXXX letter and regular letters in the mail about a debt my mom XXXX XXXX owes XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) for {$29000.00}, and more. I never gave my information to them and this is not my debt. I feel harassed at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax provided incorrect credit score to bank and i could not get loan or credit card very unhappy they gave wrong score to my bank.
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX. They claimed i owed Paypal XXXX {$430.00}. I called paypal to verify and they ensured me that my Paypal account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last XXXX of my social. This is fraudulent, please stop them from doing this to other people.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX in XXXX New York for the sum of XXXX at signing I have XXXX XXXX XXXX XXXXXXXX dollars and the loan to pay off was XXXX it was financed with Credit Acceptance XXXX  with a 5 yr loan 72month agreement in total as a consumer I have paid XXXX in cash to this financial lender what is left out of XXXX is XXXX in total for a payoff at the end of the financial term ending the financial lender became aggressive with double fees and and damaging the credit rating of the consumer after Covid 19 pandemic then maliciously prevented me as consumer from trading the property to get a better interest rate by secretly conspiring with law enforcement agencies to apprehend the property from me even though as a consumer I payed half of the principal amount of the loan even though credit acceptance didnt take or have consumer option of liquid amount to be disclosed towards the principal or interest the lender took upon themselves to take the greater amount towards the interest instead of principal this is a ambiguous financial violation of consumer rights this lender is only maliciously tying to tarnish a consumer right and deprive of liberty due financial agreement its fraud no lender can deprive or sabatage base upon interest or debt owned if consumer has paid more then 50 percent of the loan the lender has never updated consumer credit report with accurate information since 2019
Product: Credit reporting or other personal consumer reports

Information that isn't mine on my credit report that I have been trying to get removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX 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 Account XXXX XXXX XXXX, XXXX  Account XXXX XXXX XXXX, XXXX  Account XXXX XXXX XXXX and XXXX Account XXXX XXXX XXXX have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report, and I have no clue why they're there. I checked my credit report as usual, but this time there were unexpected discrepancies. I tried refreshing my browser to see if it was just a glitch, but it wasnt. The inaccuracies persisted even after refreshing. Because of this, I'm requesting a thorough review of the documents I sent so I can finally have peace of mind.
Product: Credit card

I am writing to formally express my dissatisfaction with Citi Bank 's handling of multiple disputes I initiated against XXXX for charges amounting to {$75.00} each. Despite providing all necessary documentation, including the letter I received from XXXX, which I also submitted to the XXXX XXXX XXXX and proof of refunds on my XXXX account, my Citi Bank account continues to reflect an outstanding balance. 

The specific details of my situation are as follows : First Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX Dispute Initiated : XX/XX/year> Dispute Closed in My Favor : XX/XX/year> According to XXXX letter, Citi Bank was responsible for crediting the funds back to my account once the dispute was resolved in my favor. However, my Citi Bank account still shows this amount as due. 
Second Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX Dispute Initiated : XX/XX/year> Dispute Closed in My Favor : XX/XX/year> XXXX confirms that the funds were pulled by Citi Bank for investigation, and the dispute was again resolved in my favor. Yet, my Citi Bank account does not reflect this refund either. 
Third Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX XXXX has successfully refunded this charge and stated that it may take 5-7 business days for the funds to appear. However, this refund is not reflected in my account, nor have the previous disputes been properly resolved. 
As it stands, I should have a XXXX balance on my account, and all disputes should be closed. The failure of Citi Bank to properly credit the refunds after multiple disputes were settled in my favor is causing undue stress and inconvenience. I request an immediate review and resolution of these issues, with all applicable funds credited to my account without further delay. 

Please confirm receipt of this complaint and provide a timeline for resolution. 

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

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Transunion, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. All consent to Transunion, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Transunion, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED I am not liable for these debts, I do not have a contract or agreement with these creditors, and they did not provide me with the original contract as I requested
Product: Checking or savings account

I had a chime bank account and I did a dispute because someone had took over {$6000.00} from my account. They closed my dispute within 2 days so I feel they didnt even investigate my claim. Then proceeding to the next day they closed my account. My name is XXXX XXXX. Chime account is who I was banking with.
Product: Checking or savings account

I was XXXX for a few days due to a XXXX When this happened my property was left on the scene due to the police not grabbing it, which resulted in someone getting my property. While I was XXXX someone withdrew and charged over {$9000.00} and on XX/XX/XXXX I called and reported this to Wells Fargo fraud support. They called me a few days later to ask questions which I answered with no issues. On XX/XX/XXXX I was found to be responsible for the charges and basically lost the money. I've been a customer of Wells Fargo for a few years now, and I've saved up my money to the best of my ability and to have my bank not help me better is very disappointing. I want to appeal their decision but to my knowledge there is no way to do so. Please help. I work hard for my money and this happening is making life a lot harder especially with the inflation going on in the economy.
Product: Mortgage

I have had major issue with Ocwen mortgage as y loan servicing, and now they are PHH, same bad practices. But recently I had to file bankruptcy to protect my home, I purchased my home in 2007 for $ XXXX, had a refi with Ocwen which actually was a modification after was completed, and they charged me {$20000.00} after applying the payments I continued to pay into a type of escrow, I called XXXX and was advised to refinance and leave Ocwen. I tried to leave with 3 different mortgage companys but they had to stop my refinancing due to Ocwen failure to send a valid payoff. Now I have had to file bankruptcy due to the loan servicing in XXXX my bankruptcy balance with PHH is {$56000.00}, loan balance is {$240000.00} and a negative escrow of over {$12000.00} ( not sure what for ) so I owe PHH {$50000.00} more than what I narrowed in 2007, my payment that was agreed in bankruptcy was my 2007 payment of {$1600.00} but they bill me every month twice that? Is the only way to get help with the Utah Attorney General? How do I protect myself and not loose my home when I have proven several times I can make my payment but they continue to XXXX me over? I need help! I am a single mom and cant afford to loose my equity and at the same time I dont deserve to loose my equity in over inflated fees?!?!!
Product: Debt collection

Ability recovery services is a third party debt collection company that is attempting to collect a debt that I never did business with them.

I have never conducted business with Ability Debt Recovery Services and have no contractual obligations or rights with them. 

Regarding XXXX XXXX XXXX, I exercised my right to cancel my enrollment on the first day, well within their stated five-day grace period for cancellation. Despite my repeated requests, my cancellation was not honored. Additionally, I was misled about the school 's accreditation and credit transferability. Upon discovering that my credits would not be recognized by other institutions, I realized that I had been provided with inaccurate or misleading information regarding the school 's legitimacy and requirements.

As a result, I dispute any outstanding balance associated with this debt and request a full refund of any payments previously made.

Furthermore, Historical FTC Charges : This misrepresentation aligns with prior charges the FTC settled with XXXX XXXX, where the institution was found guilty of misleading students about its accreditation, career training, and credit transferability. Despite these legal actions, XXXX XXXX continues to engage in deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE ACCOUNTS THAT ARE FRAUD 1. CHILD SUPPORT ENFORCEMENT  XX/XX/XXXX {$44000.00} 2. XXXX XXXX XXXX {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Insurance company totaled my car, the loan was paid in full. Experian showed a balance due of approx., {$24.00}, I disputed this on XX/XX/2020 they removed it and recorded this as a late payment ( It was not late and was not reported as late ) On XX/XX/2020 Experian reduced my score from XXXX to XXXX for " making a late payment ''. ( I HAVE NEVER MADE A LATE PAYMENT ) Experian says it's an " algorithm that can not be changed ''. THIS IS UNFAIR CREDIT REPORTING! Please HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to meXXXX XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Product: Credit card

I changed my post office box. My Mailing address. I never use this credit card and actually planned to cancel it. I am in a dispute with a merchant that auto-charged to this credit card because they didn't accept my real credit card type. 
I tried to give Cap One my new mailing address, after security clearing with them. They are demanding my phone number to security text me. I refused and they will not make any alternate form of secure verification. All methods require me to provide my phone. 
They literally said to send my driver license, but since I just changed my address it offers no proof! They said they will decide once they have this private information if I am telling the truth or not. I believe this is merely an attempt to get my private data and they are trying to blackmail me into giving them data they do not have. 

ALL, every single one, of my other credit providers including my mortgage simply changed my address once I security cleared. I used to work for XXXX XXXX XXXX and they changed people 's mailing addresses without any hassle all the time. My electric company, telephone company, water bill all allowed me to change over the phone after verifying.and security clearing. 
They WILL allow me to cancel the card over the phone. Isn't that interesting? 

Furthermore, I am also going to ask you to ask them to send me the credit balance on my account which is like {$2.00}, which they have previously refused to provide me. They will only send it if I cancel the card. They are mad that I will not cancel the card, pretty obviously, since I am not using it.