23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Card Issued : XX/XX/XXXX Credit Card # : XXXX Seller : XXXXXXXX XXXX XXXX  Creditor to whom debt is owed : Portfolio Recovery Associates , LLC XXXX : {$1700.00} I was first contacted by Portfolio Recovery Associates , LLC in XXXX and they indicated they would take me to court or garnish my credit as i owed them money. I went ahead and made a {$300.00} payment and never heard back from them, they stated the amount at that time was a little over $ XXXX. 

On XX/XX/XXXX they sent me a letter stating I still owed them monies in the amount of {$1700.00} for a XXXX XXXX XXXX credit card ( XXXX ) issued in XX/XX/XXXX. I contacted their offices and reminded them they statue of limitations for the state of California is 4 years, and they had contacted me 8 years later in XXXX demanding payment with an ability to garnish my credit or sue me. 

My debts were also XXXX by the court in XXXX, CA in XXXX via XXXX XXXX XXXX 

I would like them to stop harassing me with calls and correspondence as this was already resolved via XXXX and also the state limitations for California. 

Thank you
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 Account Number : XXXX
Product: Checking or savings account

Chase closed my account without warning or advance notice back in XXXX XXXX XXXX. The account had {$2000.00} withdrawn and I have not seen it since. They mailed out a check in XXXX without informing me which address they were mailing to, this check was subsequently lost and not received. I went into the bank, we filed a lost check request with an update request. Three weeks later, I find out that despite me filing the form and signing it inside the Chase branch itself, Chase has 'not processed ' this form and basically 'forgotten ' to send out my lost check. So we are now bank to square one and we file ANOTHER lost check request with my address ( it is XXXX now ). Fast forward another 14 business days, no check received at my address, no explanation from Chase why. In beginning of XXXX I had to file my THIRD lost check request and notarized it, still have not seen any money from Chase. It has been almost FIVE MONTHS that Chase has not been able to do something as simple as mail me the {$2000.00} they owe me. In this time, I have received mail from other banks. For example, with XXXX by XXXX XXXX, I updated my address, less than a week later they're able to get mail me at my current address ( I have received multiple letters from them ). The fact that Chase can't do the same when they literally owe me thousands of dollars is patently ridiculous, never mind the fact that the reason this account was closed without my consent in the first place was due to continuous misinformation my customer support representatives. I have been inside the branch probably 20+ times about this over the last 5 months, and still no resolution. WORST experience with a bank, ever.
Product: Prepaid card

Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Checking or savings account

XX/XX/2023 - Payment made for XXXX XXXX account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. 
XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call XXXX XXXX and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to XXXX XXXX. 
XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my XXXX XXXX card is not working and my Bank of America debit card is not working, despite my Bank of America saying they cleared the {$1800.00}. 
XX/XX/2023 - I contact Bank of America and XXXX XXXX to resolve. Bank of America opens a fraud investigation, and told me it will take 40 days to research. XXXX XXXX told me they can not do a stop payment, and will reattempt to draw the funds 3 times. 
XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted XXXX XXXX again for a stop payment request, and they say they need an electronic letter from Bank of America. I contacted Bank of America for a an electronic letter they can send to XXXX XXXX, or a way to stop the auto draft, but they will not stop the auto draft. 
Consumer banking, my money would have been safer underneath my mattress.
Product: Vehicle loan or lease

I live in FLORIDA there should not be any cars in New Jersey in my name without my. Consent According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete XXXX
Product: Bank account or service

Message to TD Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : TD CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately.
Product: Debt collection

XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$410.00} In addition, I request the removal of the following unauthorized inquiries : 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 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
Product: Checking or savings account

I had written a check for {$500.00} to XXXX XXXX for an advance for purchase of a puppy on XX/XX/2023. This was in addition to {$250.00} that I had paid to him through XXXX XXXX as an advance. 
I decided to not buy the puppy from him and informed him about this on phone on XX/XX/2023. 
I also requested him to tear up the check and he agreed. 
As a precaution I also asked Wells Fargo to stop payment on the check- the bank charged me {$10.00} for this service and stopped payment on the check for 6 months. 
At end of 6 months I checked on the banks website and saw that personal checks are valid for 6 months only so I did not feel the need to ask for another stop payment and pay {$10.00} again. 
XXXX XXXX cashed the check at a branch of Wells Fargo on XXXX XXXX. 
Wells Fargo should have not honored the check since it was more than 6 months old. 
Also they should have asked me since I had stopped payment on the check before giving {$500.00} to XXXX XXXX. 
I complained about this to Wells Fargo on XX/XX/2023 and on XX/XX/2023 they sent me a letter saying that they wanted me to resolve the issue directly with XXXX XXXX. 
I have been a victim of unfair and careless and irresponsible behavior by Wells Fargo and they should refund {$500.00} to me- they should not have honored a check more than 6 months old and on which I had already stopped payment once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

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

This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with Experian XXXX First complaint ID with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account number XXXX with XXXX XXXX was charged off in XX/XX/scrub>XXXX 

This account should no longer appear on my credit report. However, the company XXXX XXXX continues to report historic information to my credit report. 

I have attached the original document which shows this account was charged off in XXXX. The same account number is now reporting as Swiss colony/montgomery on my credit report. 

This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. 

The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. 

Dispute numerous disputes Transunion has fail to investigate and continuously allowed this company tarnish my credit report. 

I am requesting {$7500.00} for the stress and financial damages inquired due to Transunion 's negligence and failure to update my credit report properly and in a timely manner. 

I also demand Transunion to remove this account from any credit report immediately!
Product: Checking or savings account

Hello, I had a Chase Secure Checking account and discovered fraud on my account this week. I immediately notified my bank on Wednesday morning, XX/XX/XXXX, and they recommended to me that we close the account and I go into the branch and open a new account. I did as instructed and spoke with a relationship manager who then opened my new account and ordered a debit card. We moved the funds over to the new account and that was that. I have yet to receive confirmation of my new debit card being shipped yesterday or today so I call the bank today, XX/XX/XXXX, and they tell me that due to a review of my account they are closing it with no further communication or explanation. It makes no sense and they refuse to help or to give me the chance to push for a second chance with them. The lack of detailed communication is further infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documentation from the lender was sent over to get signed and authorized for an extension to pay the monthly bill due to COVID-19 relief. 

The document was signed on XX/XX/2020, and returned to the lender. 

Per the document the following months were going to be extended : XX/XX/2020 XX/XX/2020 A few months later the lender reported to the credit bereaus that there was a missed payment for the month of XX/XX/2020 affecting my credit to drop several points. 

I sent the lender a letter to dispute the reported information, but did not hear back, so I submitted a Transition dispute, but nothing got resolved unfortunately. 

At this point the payment has been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my Trans Union, XXXX, and XXXX credit report are unauthorized and not my hard inquiries : XXXX XXXX, XX/XX/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 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

Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a concerning issue involving the deletion of student loan dispute letters, which directly impacts borrowers ' rights and access to fair financial practices. The situation appears to be connected to violations involving XXXX XXXX and XXXX ( XXXX ), potentially impacting consumer protections and financial transparency. 

It has come to my attention that numerous student loan dispute letters submitted by borrowers are being deleted, ignored, or improperly handled. This raises significant concerns about compliance with consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other regulations designed to protect student loan borrowers. 

Additionally, if there are any financial or technological influencesincluding those linked to XXXX XXXX and XXXXthat are interfering with due process in handling disputes, this would be a severe violation of federal regulations. It is imperative that these claims are thoroughly investigated to determine if there are any improper business practices, digital manipulation, or undue financial influence affecting borrowers rights. 

I respectfully request that the CFPB urgently investigate : The deletion and mishandling of student loan dispute letters submitted by borrowers. 

Any potential interference linked to XXXX XXXX, XXXX XXXX XXXX XXXX, or other financial entities in this process. 

Whether student loan servicers are failing to comply with federal protections by disregarding dispute requests. 

The role of financial manipulation in affecting borrowers ' legal rights and recourse options. 

As a concerned borrower and citizen, I urge the CFPB to take immediate action to ensure transparency, compliance, and fairness in the handling of student loan disputes. Please provide guidance on how borrowers can safeguard their rights against these violations and any corrective measures being taken. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint and advise on the next steps.
Product: Credit reporting

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX account and XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Negative ItemXXXX XXXX Account Number XXXX 30 days Late payment on XXXX XXXX ( XXXX XXXX respond letter attached XXXX XXXX and they ask me more information 's. they not respond me within 30days period please remove this Item my Credit report ) Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX CREDIT/FRONTIER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX at XXXX, our payroll processing entity sent the following email to me with respect to my split payroll check ACH deposit ; Co : XXXX Dear Client, We just received notice from our bank that funds in the amount of {$25.00} were returned to us. These funds will be returned to your company bank account. Please be sure to check the direct deposit setup prior to sending over your next payroll. 
Employee ID # Return Description Bank Account ( Last XXXX ) Routing # Amount Deposit Date XXXX Account Closed XXXX XXXX {$25.00} XX/XX/XXXX Sincerely , Finance Department. 
Phone # : XXXX Fax # : XXXX Upon review, I discovered it was my Wells Fargo Checking account in which I deposit, XXXX XXXX {$25.00} into my checking account with Wells Fargo. 

At XXXX AM on XXXX I contact Wells Fargo customer service at XXXX and spoke to CSRXXXX " XXXX XXXX who stated a new law went into effect on XXXX that all dormant accounts with NO activity for XXXX years would be closed based on Escheatment Law, ( sp? ). I stated that a XXXX-XXXX  deposit of {$25.00} has occured for the last XXXX years into this account and various withdraws have been complete twice for the year XXXX, how is this account considered inactive? The CSR did not know, I asked to escalate my call to a supervisor. The csr did at XXXX XXXX on XXXX. 

I spoke to XXXX next, who represented to be the supervisor. She asked if I would like to file a complaint. I state, please, as I am missing close to $ XXXX in my checking account which seems to have vanished. She was puzzled why that happened and stated that she was not able to take that complaint. She then transferred me to another CSR, " XXXX '', this time. This call was transferred at XXXX on XXXX. 

XXXX stated that this should never have occured and that the funds were still with Wells Fargo and were not turned over to the state of Arizona unclaimed property division and that it would take until Friday, XXXX to have the account re-opened and my funds available. It is XXXX AM on XXXX and my account and funds are still not available and the account is not open. 

Should a national bank, federal chartered bank, notify a customer of the intent to close a consumer account that has been open since XXXX, when the bank was XXXX XXXX? How is a bi-weekly direct deposit of {$25.00} not activity to keep the account current?