23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A couple of months ago, I started receiving calls from a woman named    XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   regarding an auto loan debt from 2012. She told me that  she would come after me for a garnishment and was in general rude. Then o n  XX/XX/XXXX ,  I received a call from her regarding my question of payment arrangements. She told me " she said she would get me garnished '' and that I should " file bankruptcy and quit whining ''. I hung up with her and called back to speak with someone else. I was able to speak with an attorney who told me that she did n't really say that.   Every interaction with this woman has been intimidating and threatening. I explained I had n't heard anything about this debt in years, since I moved to my apartment  3 year s ago. She said she knows, but they sent me some notification about a judgeme nt 4 years ago. I explained I do n't have this paperwork, never received it. I was accused of just avoiding paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
Product: Checking or savings account

For the second time today, I have been denied access to my JP Morgan checking and savings accounts. I tried to sign in with my usual user name and password using the same internet access device I have used in the past. However, I was denied access to my accounts and will not be able to get into the accounts indefinitely. This is abusive and unacceptable. The problem seems to be that when I travel, I sign in from different IP addresses which triggers the lock out. This has happened repeatedly. The website I tried to sign into instructed me to call XXXX. However, a machine answered and asked me for my credit card number, despite the fact that I have no credit card with JP Morgan. After wasting several minutes of my time, and waiting for several machines to spew out irrelevant garbage, someone finally came on the line. However, this person also asked me for my nonexistent credit card number, then referred me to another person who did nothing to restore my access. The second person could not be understood clearly. The connection was poor and she had an accent. She asked me some XXXX questions about pet insurance ( which I used to have but do not presently ), then announced that she needed to change my password and would send me information to my home phone. Since I am hundreds of miles from my home phone, I explained to her that this was pointless and asked her to stop wasting my time. She then announced that she would not grant me access to my account for " security '' reasons. Let me clear here. The problem with this dysfunctional system is that there is no person at JP Morgan who is accountable for these problems and various other people who want non-existent credit and debit card numbers go through irrelevant routines when people are arbitrarily but routinely denied access to their money. 

This has been the situation on my accounts for years. JP Morgan is unaccountable for ensuring that online banking is reliably available instead of intermittently so. 

I have bills to pay and need to check which checks have cleared. But I can not do so with the abusive and deceptive practices of JP Morgan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance is in violation of 15 US Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party. Several attempts have been made to rectify the situation with the company ( see attachment ).
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| XXXX XXXX  XXXX I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is accurate. If you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit report. 

I have attached proper documents with this complaint. ID/SSN/Voter Registration for my proof of Identification.
Product: Vehicle loan or lease

On Friday, XX/XX/XXXX I totaled a vehicle that was leased from XXXX with Volkswagen Credit as the financier and lease servicer. 

At the time I was 3 months behind on payments, which I agree I owe. This should make the total amount that I owe roughly {$1000.00}. 

After totaling the car I submitted a claim with my insurance company the same day, the company agreed the car was totaled by the following Monday, XX/XX/XXXX, and began to work with XXXX to resolve the lease. 

XXXX failed to supply the correct paperwork to XXXX which prolonged the time that it took to complete the insurance claim, which allowed them to bill me for XXXX additional car payments following the date that the car was totaled, the date that XXXX agreed it was totaled and began to work with XXXX to make them whole. 

I have an issue with being responsible for an extra {$700.00} of car payments that were the result of a clerical issue by XXXX. This seems like it's a conflict of interest. By purposefully submitting inaccurate information to the insurance company they are able to prolong the liability of payments to receive more money.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Bank account or service

On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Subject : Request for Immediate Deletion of Accounts Due to Fraudulent Activity Resulting from Equifax XXXX XXXX Dear whom it may concern, I am writing to formally request the immediate deletion of XXXX accounts that were fraudulently opened in my name due to the Equifax XXXX breach, of which I was a confirmed victim. Despite XXXX admission of the breach, no corrective action has been taken to rectify the resulting damage to my credit. 

The accounts in question are as follows : XXXX XXXX Account Account Number : XXXX Account Ending : XXXX XXXX XXXX Account Account Number : XXXX Account Ending : XXXX These accounts were opened without my authorization using information that was illegally obtained through the Equifax XXXX breach. I have attached proof that I was a victim of this breach, along with evidence that Equifax has acknowledged my victim status. 

I demand that these accounts be removed from my credit reports immediately to prevent further damage to my creditworthiness. Failure to comply with this request will leave me no choice but to escalate this matter, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action if necessary. 

Please confirm in writing that these accounts have been deleted from my credit reports and that the necessary corrections have been made. 

Thank you for your prompt attention to this urgent matter. 

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

Experian 's website and phone system do not allow me to unfreeze my account. 

In the fall, I froze my accounts after someone falsely obtained a cell phone. Now, I am trying to get my bank to pre-approve a car loan, but I have to unfreeze my credit report. I went to the Experian website, clicked the unfreeze option, and logged in. Instead of offering to unfreeze my account, it forced me ( no other options at all ) to " Welcome back. Get your XXXX Experian Credit Report now. '' When I clicked the Get Your Free Credit Report button, it asked to send a PIN, which it did not send. When I clicked the " send again '', it would arrive, but when I entered it, the website would say " we weren't able to verify ''. After several days of trying ( I thought at first, maybe they are doing maintenance on the website and it will be fixed later ), I tried to call. 

I tried XXXX different phone numbers encountered in various places on the Experian website. They all went to the same automated system. The system would ask if I wanted to receive a onetime PIN, and if I said yes, it immediately said it was unable to verify ( no PIN was ever sent ). When I asked to speak to a person, it would say " I can only connect you with a representative in limited circumstances '' but never explained the circumstances nor offered to connect me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX Fair Lending and Equal Opportunity XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to express my deep concern regarding the systemic biases inherent in the XXXX scoring system used by major credit bureaus, including TransUnion, XXXX, and XXXX. This biased system perpetuates XXXX XXXX  and unjustly penalizes marginalized groups. 

Despite maintaining a XXXX XXXX in the XXXX and demonstrating responsible financial behavior, such as timely payments, low credit utilization rates, and no outstanding collections, I recently experienced a sudden and inexplicable drop of XXXX points in my XXXX XXXX. This arbitrary decrease undermines the integrity of the credit scoring process and unfairly limits economic opportunities for individuals like myself. 

It is unacceptable that private, for-profit companies prioritize financial gain over fair and equitable credit XXXX XXXX The current credit scoring model not only perpetuates XXXX biases but also punishes individuals for responsible financial management, such as paying off debt or closing accounts. 

This unjust system exacerbates economic inequalities and perpetuates cycles of debt within marginalized communities. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the XXXX XXXX XXXX ( XXXX ) and major credit bureaus to address these systemic issues and ensure fair access to credit for all individuals. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take decisive action to rectify these injustices and uphold principles of fairness and equality in financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have Spoke with Transunion for 8 months straight about fraudulent/unauthorized inquires on my report that were not authorized by me and they will not remove the inquires, i have spoken with over 20 different representatives and sent more then 9 letters and they will not remove the unauthorized inquires on my report. 

date XX/XX/XXXX1 usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX usps tracking number  XXXX XXXX XXXX XXXX XXXX XXXX the rest of the letters were sent by regular mail with a XXXX stamp
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCA Fair Credit Reporting Act XXXX XXXX  ( XX/XX/2023 ), XXXXXXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 states I have the right to

privacy. 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Immigrant to country ( Fiance to bride ) with green card but not drivers license or form of employment yet. This company was unable to verify anything without a drivers license, job, etc. 

A letter showing personal identification including government documents was sent directly to this company and yet the only written correspondence every received asked for Paystubs, drivers licence, or other documents which are not available. 

Also note : XXXX and XXXX are currently functional for my name, DOB, SSN, and address but Equifax refuses to correct their records.
Product: Credit reporting or other personal consumer reports

XXXX and Chex Systems have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In XXXX 's case, when I log into their XXXX product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

ChexSytems has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by me.
Product: Checking or savings account

I have been banking with Bank of America since XXXX, I have had the same account number for over a decade and all of a sudden on XX/XX/XXXX I try to log I my account and I cant. I call and all I am told is that my account is closed and no reason or warning is given other than a deposit agreement that says they can close my account at anytime, just because they ; does not mean they have to. And after banking with them for over 13 years, I want to to know why. I have deposits and credits and payments coming out of that account and it will all be canceled now and I cant change it because it is too late. If I am charged Any fees from my other accounts as a result of this, I will be suing Bank of America.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Bank account or service

My complain is with Synchrony Bank, who handles the JC Penny accounts. I have had an on going dispute with JCP and Synchrony Bank for a year or close to it about my account with JC Penny. I have been late in payments a couple of times and have not be able to catch up since I have always paid on my account. But not to the satisfaction of JC Penny or Synchrony, therefore in XXXX of 2016 I just paid what I owed and be through with the company and the bank. I send a check for {$200.00} to JCP knowing that it should cover what I owed and close my account. I kept receiving late statements from JCP and Synchrony when I looked at the statements the {$200.00} payment had not been added to my account they say when I called that it had been received or added to my account, I had to send them a copy of the payment. They added they said to my account but nothing changed I stilled owed them the same amount of money when my bill should had been in the negative balance and they owed me money. But they are still harassing me and damaging my credit report with this. Could you if possible help me with this matter I have the proof showing that I owe nothing. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I have been a customer at J.P. Morgan Chase for many years. 
I closed some money market accounts I had in trust for clients. I received a letter dated XXXX XXXX, 2016 indicating they have decided to close my personal money market account at the bank. 
They indicated after a recent review of my account they decided to end our relationship. The account has always had a positive balance and I deposited my social security and small pension into the account each month as well as other funds. 
I continue to have a business checking and my trust account for my office with them. I do n't understand how the relationship can be ended without any reason being given. It seems it was up to me to close the account and that they should not be able to close an account without a reason being given to the depositor. I called the number given to me in the letter and I was told that they could not offer a reason and that it was just too bad. Clearly the bank can not do do this without a valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM EQUIFAX, XXXX, AND XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint .This fraudulent, inaccurate, and false information consists of a few accounts : ACCOUNT NAME : XXXX original creditor! bought by debt collector XXXX ACCOUNT XXXX DATE OPENED : XX/XX/year> ACCOUNT NAME : XXXX  XXXX XXXX XXXX bought by XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX DATE XXXX HARD INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud