23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.
Product: Debt collection

Portfolio Recovery calls my cell phone every single day using a different calling number each day. I have approximately 30 different phone numbers they have called me from. I have a list of all the numbers that I can give you. I have repeatedly told the representative three different times to stop calling me. They ignored my request and continue calling me every single day, this is harassment to me. Further, I will take legal action if they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See XXXX5 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection
Product: Debt collection

Apparently I have a collection debt for an utility I know nothing about. I owe XXXX to XXXX and I dont even live in XXXX. I live in XXXX and actually live in a XXXX at the moment so I obviously do not need to have any utility on my name at the time XXXX does not have that information on my credit report but XXXX and XXXX do show me this problem in my collection debts
Product: Credit reporting or other personal consumer reports

I kept receiving emaila from XXXX XXXX XXXX that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XXXX XXXX paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.
Product: Mortgage

fay servicing said they paid my property taxes ( they did n't ) and set up an escrow account and deferred monies into the account for the taxes. which I did not approve. the then stopped applying my payments to the house until the account was brought current but they took the monies from my payments and stored them in separately causing my account to be behind. I paid the taxes long before this occured and after checking with the county clerk they informed me that I was the only person to make a payment and there was no record of fay servicing trying to pay anything I spoke with XXXX who said he needed proof that I paid the taxes but never gave me his email address, I had to get that from an associate. I emailed him the proof but he will not return my calls or emails
Product: Debt collection

I told them that I dont know anything about the debt. I asked them to provide the paperwork work that I signed or they should should me proof that I owed the debt but the refused to show me and I told them not to put it on my credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX  XXXX XXXX Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$1100.00}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me.

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.
Product: Debt collection

Account was paid off in full, account is still being reported on my credit as a charge off
Product: Checking or savings account

On XX/XX/XXXX I was charged by XXXX XXXX for a service. I submitted a transaction dispute because I no longer need the service. I no longer own a XXXX. The service was cancelled after calling XXXX. The bank tried to charge me fees. I had the over draft re credited to my account. I was charged a service fee. I called to have it re credited. I was told as a one time courtesy we will refund it. The transaction dispute was supposed to take 5-10 days. In opening the dispute. I submitted all evidence they asked for. You cant open a dispute without doing so. PNC changed the dispute to a XXXX dispute without my knowledge.In XXXX XXXX tried to bill my card again. I call XXXX had the cancel and remove my card again. I then went into bank to close my account again. I was told by XXXX at the XXXX tx branch. That I needed to submit more evidence. After showing that no debt card was linked to my XXXX account. It still has not been closed. This has been going on since XXXX of this year. I refuse to pay anymore fees to this bank. I was closing it due to. Different amounts of my money would randomly come up missing. After contacting them about it. I was never given a rational answer. This bank needs to be investigated!
Product: Checking or savings account

On XX/XX/XXXX I was supposed to receive my direct deposit from my employer. As of XXXX XXXX it is still not in there. Capital one blames an act vendor but will not rectify the problem. They are intentionally withholding my money with no accountability or actions taken against them. They do have access to see the deposit, as well as a h withdrawals to other companies for bills but refuse to advance the money to my account and solely waiting on a vendor to correct. That is not of my concern. Capital once deducted my earnings from my employer, the employer satisfied the act transaction, and now capital one is withholding my money due to an apparent vendor issue causing severe emotional distress on my end aside from the miriade of other issues, late fees for bills, charge back fees because payments were made to said bills and never received the money, etc. this is affecting way more than XXXX customers and no one is doing anything about it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all of the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not remove these fraudulent accounts.

This is hurting me and my family massively.

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

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

A late payment is reporting to XXXX and Experian. This information is inaccurate and show be removed
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized i was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this Bankruptcy on XXXX. Also, I included information from the XXXX XXXX XXXX XXXX. Per the new Public Record Credit Reporting Standards Law that went into effect on XXXX XXXX, XXXX, states that public records including Bankruptcies will not be reporting on credit reports any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the full balance of my XXXX  Mastercard issued through US Bank after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact US Bank but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}
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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, 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 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.
Product: Debt collection

I have asked elevate recoveries llc to stop contacting me while Im at work several times and they refuse. They call on different numbers each time and claim they never received any request to stop
Product: Checking or savings account

On XX/XX/2023 I attempted to deposit {$500.00} in my checking account via ATM which then took my money spit out my card and proceeded to say that it was not accepting cash deposits without giving me a receipt or posting the transaction. I called and made a claim and now they are saying I have to wait 10 days for the funds! I needed that money to pay my bills and now my phone is going to get shut off along with my electricity!!! I demand to have my funds available in my account now!
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/year>, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section XXXX of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within XXXX days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.
Product: Debt collection

I am in receipt of a follow up dunning notice dated XX/XX/2021, that was mailed to me after XXXX XXXX documented and signed for my certified letter to their company on XX/XX/2021, which was to CEASE and DESIST and provide me with validation of debt under the FDCPA. l had sent this letter within the allotted 30 days of their original notice to collect a debt. 
I placed a call to you XXXX XXXX on XX/XX/2021 which was on a recorded line in which a manager XXXX XXXX stated in fact that the dispute letter was on file, but XXXX XXXX had sent another dunning notice. I had requested proof of debt including contract signature, signed purchases and other. As of this letter, I am not in receipt of any such demands. 
XXXX  XXXX did not send any validation of the proposed debt and did not cease and desist all collection activity regarding my request but rather sent another dunning notice which is clearly a violation of the FDCPA. Furthermore, the representative that took my call neglected to read me the mini-Miranda and verify my identity although we were discussing the proposed account which is another violation of the FDCPA. Not until I spoke to XXXX XXXX was my identity verified. 
XXXX XXXX violated the law when they sent me another bill and clearly disregarded my request to provide to me validation that I owed the debt,