23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to XXXX XXXX. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within XXXX days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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 Code 1681a - Definition ; rules of construction- Exclusions -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit or loan plan as late for purpose
Product: Credit card

I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXX XXXX XXXX and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Experian refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a color copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Checking or savings account

My identity was stolen and, as a part of that, a 3rd party tried to do a mobile deposit for a check that I had already deposited and had been rightfully credited to my PNC personal checking. 

She first tried to mobile deposit the check to PNC and it failed. She then tried to cash the check via XXXX XXXX. Evidently, the plan was to deposit the check into one of my accounts, and then XXXX the full amount of the deposit to her account. XXXX credited the account, HOWEVER, they immediately reversed the deposit and debited my account at XXXX for the exact same amount of the attempted deposit. No harm no foul. 

Unfortunately, HOWEVER, PNC BANK did a debit memo on my account and my account now has a negative balance. 

I have attended to contact PNC number numerous times and they have no answer. 

This is a simple matter. If the check was NOT DRAWN ON PNC AND THEREFORE NOT PAID BY PNC, WHAT PNC DOING BY DOING A DEBIT MEMO AGAINST MY ACCOUNT??!! 

I have actual PROOF that the check NEVER cleared the banking system a SECOD TIME, yet PNC still hasnt reversed the debit memo. Its ridiculous and bad behavior by a bank against a consumer that the CFPB was DESIGNED TO PREVENT. 

Thanks. 

XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/XXXX, I woke up to a text message from Chime bank telling me that my phone number had been changed on my account and that if I hadn't authorized it to call them. That message arrived to my phone at XXXX in the morning when I was sound asleep. After I noticed that text I quickly called Chime to see what had happened while at the same time I attempted to log into my account. I was locked out of my account and had to jump through hoop after hoop to switch things back and log back in. After finally getting back in I noticed that money had been transferred between my accounts and then transferred out to different people. I filed a complaint with Chime that they said could take 45 days to complete, they denied it the next day. When I noticed that the claim had been denied I called them back and tried to figure out why because the denial said that they had emailed me the reason, an email I never received. I asked for the email to be resent and they said it would take 10 business days. They said that they would reopen it and send me a link to add pics of the text message I had received, I never got that link from the first call and it never looked like they reopened the matter. After about 2 weeks I called again because I had not received the promised email. We jumped through the same hoops only this time I did get the link to send the videos. I still have not received any email from them and the claim still does not seem to have reopened and remains denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all requested information to help clear my file.
Product: Checking or savings account

Its been almost XXXX days since I am unable to use my account I CALLED AFTER XXXX HOURS OF WAITING AN AGENT CAME AND ASKED ME IF I DIDNT KNOW THAT MY ACCOUNT WAS FROZEN. I said no I used the account the night before. He then asked me if I didnt get a notification or a letter I said no nothing. I didnt see cause for concern. Theres no fraudulent activity going on. I wouldve noticed. But he said they froze my accounts because of fraud. When in XXXX XXXX  XXXX XXXX is the biggest fraud. This is the XXXX time in less than XXXX years I called again the next day they lied to me and again was not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on Experian and XXXX are the same while transunion is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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/year>
Product: Student loan

XXXX changed to Navient and I had automatic payments and was not notified that the payments were not going to be transferred. Because of the the loan went unpaid and this caused negative marks on my credit, I have called Navient to correct these negative marks to bring my credit score back up and they will not comply even though I corrected the issue as soon as it was discovered and have been making my automatic payments through my bank. Such practices can ruin the credit of a former student making finding housing and purchases impossible.
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. 

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 UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I received this email on XX/XX/XXXX from Convergent Outsourcing : Regarding Your XXXX XXXX Account Ending in XXXX Dear XXXX XXXX, The account referenced below has been placed by XXXX XXXX with our office for collections. 
Our client has advised us that they are willing to satisfy your account in full for 70 % of your total balance. The reduced balance amount of {$1100.00} must be received in our office by an agreed upon date. If you are interested in taking advantage of this opportunity, respond within 60 days of your receipt of this notice. We are not obligated to renew this offer. 
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 
Please send any correspondence to Convergent Outsourcing , Inc. at XXXX XXXX  XXXX XXXX, WA XXXX Your Account Summary : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$1100.00} Account Balance : {$1300.00} Collection Costs : {$240.00} Total Amount Owed : {$1600.00} On XX/XX/XXXX, I paid {$930.00} in settlement to XXXX XXXX for the same debt mentioned in the email I received from Convergent. This is the receipt below : From : XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Payment Receipt Thank you for your payment! 
Your payment has been received and charged by XXXX XXXX XXXX Below is your payment receipt. 

Date : XX/XX/XXXX Account Holder : XXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ZIP : XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX # : XXXX Invoice : XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= X_______________________________________ ========================================= XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT. 

Please sign the above receipt and send back a scanned/photo copy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX  for free ESigning services. 
If you have any questions about this transaction please call ( XXXX XXXX XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose. 
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is confidential and privileged. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer.
Product: Checking or savings account

On XX/XX/2023, Axos Bank fraudulently with no prior authorization from me withdrew money from my other bank account that is connected to Axos account. Axos withdrew twice both consisting of {$100.00} which brought the account they took from into a negative balance. 

When reaching out to them they said {$100.00} did get transfered but the other {$100.00} withdrawal was reversed. However I never received that {$100.00} in my account they fraudulently withdrew from. Ive spoken to Axos several times and they keep telling me someone will call me back but no one ever does. 

Axos Bank fraudulently withdrew and stole {$100.00} from another of my connected accounts and leaves me with no recourse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

On XX/XX/year> I went to Conns located on XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
I purchase a washer for {$600.00}, with sales man XXXX XXXX. XXXX tried to get me into a credit card for {$3000.00}. I told him " I do not want to be put into a line of credit, I do not want a credit card. I want to do this purchase by the term. '' He told me that was fine, and stated " XXXX XXXX approved you for the Credit Card but we can sign you up for a loan with Conns instead ''. I asked him twice to clarify I was signing up for a loan not a credit card. He said yes. 

Today I am trying to make my first payment and find out I have a credit card with XXXX XXXX  for {$3000.00}. I don't even have a card, card number or even know my interest rate. Conns did not send me or give me any information in regards to my purchase or how to make a payment. I went to the store and informed the manager XXXX XXXX about my situation and told them they needed to fix this because I did not ask for a credit card. She stated " there is not anything we can do to fix this, plus we are going out of business ''. I was very upset with this response. They did not care and took advantage of what information I gave them. When I called another store and asked to speak with a store manager I was told from the agent over the phone. " I can let my manager know but we are all out of a job soon anyways so there is not much we can do for you, call XXXX and ask if they can help you ''. 

I need this to be fixed, I did not approve a credit card under my name for {$3000.00}. I was told I was going to be doing a 12 month loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports with XXXX, Equifax and XXXX and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX I deposited a check for {$1600.00}, that was issued to me by a web company I had done some work for. The next day, XX/XX/XXXX, I tried to transfer funds into my son 's High School checking account, but was unable to do so. I then called Chase bank 's customer service number ( XXXX ) to ask why this was the case and was informed that a restriction had been placed on my account and was transferred over their Fraud Department. I then proceeded in speaking with a rep who told me they had to wait for the check to clear or get verified before my account could be accessed, but no further information was provided. I wasn't worried at that point because I knew it was standard operating procedure. The next day, Friday, XX/XX/XXXX, I logged in to check for my payroll direct deposit which usually comes through every 2 weeks, and did not see any credits into my account. As soon as I could, I called Chase customer service again to find out if there were any pending credits, and once again was transferred to the Fraud department, and this time received more information about how even my direct deposit was blocked from going through - AND whatever available funds I had in my account prior to the check deposit on XX/XX/XXXX was being held from me without any access to it whatsoever leaving me stranded over the weekend without any money whatsoever. I understand the whole process of putting a hold on funds against a check with questionable validity but to restrict an entire account with verified and available funds that had been sitting there AND to block a direct deposit from going through is just wrong. You are punishing your customer for something you deem fraudulent without any form of recourse. I would at least expect access to my money with the exception of the funds being held. I was told I needed to wait for an additional 2 business days and if there was no resolution to the case, the account would be closed within 10 days. Why are you punishing your customer for something I had no hand in, nor knowledge of? I deposited a check for work I performed because the bank the check is drawn from is not local to me, and because I only bank with Chase, I have no other way of negotiating the check except to deposit it into my account. How do I even correct this? Someone please explain how what you just did is legal. I just would like access to my own verified funds and my direct deposit to go through. I have bills outstanding that have to be paid. They should have looked at the history of my account and seen that it has always been and consistently used for legitimate purposes. If you must, place a hold on the funds for the amount of the deposited check but to put my account on full lockdown is beyond me. I didn't get any notifications or alerts that Chase was going to restrict this account, and I am appalled they would leave their customer stuck like this.