23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX  report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX   changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I  would like XXXX XXXX  to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.
Product: Checking or savings account

On XX/XX/XXXX I tried signing in to my bank of America account and it said I can't access online banking and it said to call a number and I did they told me my business checking account is being closed and I asked why they said when I signed my contract it said that bank of America doesn't need to give me details of the closure of my account and the funny thing is I opened the account a couple days before the incident and haven't received my actual card yet I asked if they can reverse the closure and they said no and it final.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Convergent Outsourcing notified me of a debt that had from XXXX in the amount of {$1200.00}. I called them on XX/XX/2020 to try to settle the debt with them. I told them I had {$700.00} to pay and they said the settlement amount they could take was {$810.00} which I agreed to. I paid {$700.00} electronically that moment then scheduled a payment for the {$11000.00} for XX/XX/XXXX. I have email confirmations of both payments and records of the payments out of my checking. On XX/XX/XXXX they reported to the credit bureaus that I owed them {$550.00} still and reflected this in their system. I called them on XXXX to confirm payments went through and debt was settled. I got confirmation over the phone and requested an email showing that. Never received it. On XX/XX/XXXX they again reported to the credit bureaus that I owed {$440.00} and again I called them on XX/XX/XXXX. Again got confirmation this was being fixed and documentation sent out. I have yet to receive anything from them. I called once again on XX/XX/XXXX and said they couldn't find my account then told me they handled XXXX XXXX XXXX customers not XXXX. I have been trying to buy a house and this caused me to lose my offer on a property. I don't know how to get this fixed at this point.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}
Product: Checking or savings account

Chime will not approve any of my disputes even though I have provided them with more than enough documentation to prove I didn't authorize or make the transactions on any of my previous disputes
Product: Credit card or prepaid card

I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.
Product: Checking or savings account

XXXX at Chase not willing to give me any reference number or anyway to identify him if I would call back has stated that both checking and savings that I opened less then a week earlier are closed, and sending check out as discussed for both checking and savings account, and would absolutely not give me any reason at all for the closure of the account. Furthermore I have a chase credit card as well which I was locked out of and had to work on getting access back into my credit card account, so it is very strange that they were to close checking and savings account I decided to open with them, and without any rhyme or reason at all. So I would like them to reinstate my checking and savings account
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report in XX/XX/2022 and XX/XX/2022 and I filed several disputes due to the inaccuracy information that is being reported on my credit report. I requested the credit consumer agencies ( XXXX, TransUnion, and XXXX ) to investigate and delete the following account : Account Name : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, the information on the consumer report must be 100 % accurate, and Under 15 U S 1681i, 15 U S Code 1681e ( b ), 15 US Code 1692e ( 5 ) False or misleading representations- legal status of any debt ; The false representation or implication that any individual is an attorney or that any communication is from an attorney ; The threat to take any action that can not legally be taken or that is not intended to be taken. As you see in the reports, there's several comments about the account being assigned to an attorney. 

XXXX has, on several occasions, reported me as collections for several months, when I have made payments. As you can see on the attachments, XXXX XXXX XXXX has fraudulent ways and they are trying to cause distress and make it hard for me to obtain credi0, which is why my credit score dropped. Please see this matter and address it immediately. After disputing this account with the three big credit reporting agencies, they have yet to provide me with the documentations of their investigation. I have also included a copy of the letter I sent to the big three credit reporting agencies.
Product: Debt collection

I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.
Product: Credit reporting or other personal consumer reports

i requested 1099c for charge-offs account they are reporting a balance as well
Product: Checking or savings account

I have had a CHIME account for about a year now, I got it due to its many benefits. Unfortunately, that does not outweigh the bad. One of the benefits were for international travel and having no fees. My card worked great up until the day before my last day of the trip. It had gotten blocked. Normally you would receive a text to verify if it was you. I am opted in and its confirmed by chime for texts. All my information is updated and correct as well as my phone, apps. I had immediately called & went through every troubleshooting offered to me. They had said my card was active, but I was not able to pull out any funds or use my card in any way. I am however able to receive money, but that does me no justice. I was then told I had no further options for troubleshooting and they would have to escalate it further with an email. This all started XX/XX/year>. I had never received an email back, everytime you call you pretty much start over. With anything, they say they document, but then Im having to go through the same steps I know isnt going to work. On XX/XX/year>, I called back and was informed they never actually submitted to the next chain and had to do it again & to not use my card for XXXX hours cause there card is active, but there is a block. I put a freeze on my card through the app, but I can not go through all my automatic purchases and bills to stop from coming through. I finally get an email asking me if everything is updated once again and if my app is working and I dont get confirmations on suspicions on my account through the app, so it feels like they are sending me in circles. The texts arent going through to my number even thought I send START to the text and it says Im opted in, but I dont receive anything for my account any further. It seems like they have no actual help and my account is blocked unless I get these texts but they just dont go through. Its quite frustrating. It is now XX/XX/year> going onto the next day I still have no access to my funds. Unfortunately I made the biggest mistake by using this company at all & making it my primary. 
Im going to get late fees and behind on my rent and all my bills now thanks to this company.
Product: Checking or savings account

The US bank employee refused to add my wife to my checking account, she stated I had to make an appointment at a different branch due to them being busy. An employee was on the phone and she wasnt busy. She took a check I wanted to deposit and refused to assist me further. I asked her could she call another bank to see if they had any availability to see me and she stated she could not do that. That isnt true another employee did it at another branch after I left that US bank. She was rude and kind of mean and I thanked her anyway. She was a XXXX XXXX  and seemed very irritated with myself and my wife. I am XXXX and my wife is XXXX. 

The bank is located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and it was approximately XXXX in the afternoon. She advised me to go to another branch to receive service to add my wife to my account. Again no one was in the bank and she refused to service us. We had to go to two more banks before we received service. When we went to the second US the same day - XXXX XXXX ( Client Relationship Consultant ) at US bank located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX called the US Bank located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked if they could assist us. Her branch was really busy, however she took the time to assist us in finding a branch that could help us. So we drove to the third branch in XXXX to get assistance and they did an excellent job!
Product: Mortgage

XX/XX/19 letter from reverse mortgage company that they need wind/hurricane coverage for our property. They already have a copy of the homeowner 's insurance as part of the loan process, which covers this. 

XX/XX/19 letter from reverse mortgage company they will charge us {$5600.00} for wind and hurricane coverage. 

XX/XX/19 XXXX 's XXXX sends another copy of our homeowner insurance with confirmation that it covers wind and hurricane damage. 

Finance of America has not sent confirmation that they received the insurance information and that it is acceptable, so we do not know if we are going to be charged {$5600.00}. My concern is this is a scam to charge a horrendous amount for coverage that already exists. They are taking advantage of old people who might not be fully able to wade through all of the details, and bing, {$5600.00} gets charged!! The entire homeowner insurance only costs us {$3600.00} and that covers much more than wind and hurricane damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted Transunion to dispute this inaccurate account XX/XX/2021. I received a response from Transunion stating that the account was verified by the US bankruptcy court of Colorado, which was inaccurate. I contacted the US bankruptcy court of Colorado, and I was told by the court clerk that the court does not provide any consumer information to 3rd party reporting agencies. Transunion willfully and knowingly gave me false information, and did not follow the guidelines congress set pursuant to 15 USC 1681e ( b ) Compliance Procedures.
Product: Checking or savings account

I am writing to formally contest the recent closure of my Bank of America account and the withholding of my remaining balance. I have been a long-time customer and have always maintained a responsible banking relationship with your institution. However, my recent experience has been both unjust and distressing. 

XXXX day, I discovered that my online banking access was locked, preventing me from logging in. I immediately contacted customer service to resolve the issue, but my request was denied as my activity was deemed suspicious. I was instructed to visit a branch in person later that day for identity verification. 

Upon further investigation, I realized that my online banking had been compromised by a fraudster who filed multiple fraudulent claims to receive additional credit funds, which they likely intended to transfer out. While I understand and appreciate the banks security measures, I took the initiative to clarify the situation with the bank, explaining that these fraud cases were not legitimate, and I requested that the funds be returned accordingly. 

However, when I visited the branch as instructed, my account was unexpectedly closed without prior notice or the opportunity to provide further clarification. To my dismay, not only was my account closed, but my remaining balancemy legitimately owned fundswas not returned to me. 

This decision was made without proper due process, disregarding the fact that I was the victim of fraudulent activity rather than the perpetrator. As a loyal customer of Bank of America, I find it deeply disappointing that my good standing has been overlooked in favor of an abrupt and unjust closure. 

I formally request that : XXXX. My remaining balance be returned to me immediately. 
XXXX. A thorough review of my case be conducted to recognize that I was the victim of fraud, not the perpetrator. 
XXXX. The possibility of reinstating my banking relationship with Bank of America be considered, as this situation was not caused by any wrongdoing on my part. 

I expect a prompt and fair resolution to this matter. Please provide me with a detailed explanation for the closure and withholding of my funds, as well as the steps I can take to resolve this issue. If necessary, I am prepared to escalate this complaint to relevant consumer protection authorities. 

I appreciate your immediate attention to this matter and look forward to your response. 

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

Hello CFPB, This is my second attempt to resolve a direct violation of the FCRA. 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 and 1682 : XXXX XXXX XXXX  Account # 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 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 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. 15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported. Thankyou for your attention to this matter!