23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

At XXXX XXXX ET on Fri XX/XX/XXXX, XXXX, at the Chase ATM located at XXXX XXXX XXXX, XXXX, MA XXXX, the machine took my {$5.00} deposit, claimed it was unable to read the bill, said it was giving it back to me, but the cash drawer never opened, and then I got the error message " We're having some trouble. To be sure your deposit went through, please call XXXX. We'll print this number on your receipt. '' There was no receipt given. 

This is the second time this has happened. I have also encountered other people at the same ATM who have come out of the vestibule frustrated that they, too, have lost cash. 

I had written to the branch manager at my branch about this problem before and received no response. I asked the contact center to please repair this ATM, and they disconnected. 

This time, I waited over XXXX XXXX on hold to file an ATM claim with the contact center. I was transferred so many times after going through the XXXX system. 

Will Chase ATM ever get fixed? Will their branch and contact center staff ever respond?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my Equifax, XXXX, XXXX report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

ELAN XXXX XXXX, While reviewing my XXXX/XXXX/2019 Statement attached to this complaint, my new balance shows {$4200.00}. In the automated response it states that my balance is {$4200.00} and increase of {$30.00}. I called and spoke to a Supervisor, XXXX badge number XXXX. XXXX could not clarify why the difference in the two amounts. I reminded her that all fees must be disclosed to consumers by government mandate. I am requesting an explanation and why backdoor fees are being added without knowledge to consumers.
Product: Mortgage

After my loan closing, XXXX did not fund my escrow accounts the amount from the HUD. They eventually paid the amount that was due for hazard insurance and property taxes but that put the escrow account into a negative balance then the escrows were reanalyzed and this increased my monthly payment by around {$200.00}. My loan closed in XX/XX/2022.
Product: Debt collection

I was originally contacted from Midland credit management about a debt I owed for a XXXX  XXXX credit card. Then I was contacted from XXXX XXXX XXXX about the same debt account. I have tried to cancel payments with XXXX XXXX XXXX because the debt owed is a higher amount that is owed. I do not know why two debt companies are trying to collect the same debt with two different owed amounts. I need to cancel all payments with XXXX XXXX XXXXt and continue with Midland credit management, but they will not remove the collection account with XXXX XXXX
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is 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 and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc And also please add this to the complaint please close this new account ending in XXXX and report it as fraudulent and also please have them stop giving me new accounts with new account numbers when I am not asking for a new account because I am reporting these accounts to yall as fraudulent when I didnt open them and please waive the the {$13.00} I dont own to {$0.00} picture id attached below and fully close all the accounts as permanent without giving me a new account with a new account number when I didnt request a new account with a new account number and report them as fraudulent and waive the balance or past due balance to {$0.00} because I dont want a new account when I didnt sign up for one with yall its is fraudulent etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}.
Product: Credit card or prepaid card

I've been unable to make a payment on my Comenity Victoria 's Secret credit card. The system will not allow me to login, I've tried to call and the message says that they are working to fix the issues. Meanwhile, I am not able to pay my credit card bill and I do not want it to reflect on my credit report.
Product: Credit reporting

This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been harassing me, causing mental and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over 86 complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX I transferred my cell phone services from XXXX to XXXX XXXX. To do so there had to be existing debt owed on current service of which I had none. 

Subsequently I have received numerous collection notices appear on my credit report and of which all were resolved and withdrawn, The latest being as early as XXXX of which it was withdrawn. 

Now, on XX/XX/XXXX I received a new collection notice from a new agency called JEFFERSON CAPITAL, LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone number XXXX. Debt description : XXXX. ACCOUNT # : : XXXX ; JCS REFERENCE # : XXXX AND AMOUNT OF DEBT : XXXX. 

I disputed the debt through the company on or about XX/XX/XXXX and received a response back mail dated XX/XX/XXXX that I stated more information was need and I responded by phone and was told that I needed to obtained documents from XXXX. In addition to the correspondence of XX/XX/XXXX then received another correspondence dated XX/XX/XXXX that stated that I had 30 days to prove the debt was not mine. 

I went to the XXXX Corporate store and was unable to obtain any records to validate my dispute, The store manager then contacted the XXXX management and I we were unable to obtained any records of existing debt.
Product: Debt collection

LVNV FUNDING IS REPORTING " XXXX ACCOUNTS '' TO MY CONSUMER REPORT. THESE ACCOUNTS ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA AND FDCPA. DELETE THESE ACCOUNTS WITHIN 7 DAYS OF THIS CFPB COMPLAINT. IF THESE ACCOUNTS ARE STILL REPORTING ON MY CONSUMER REPORT AFTER DAY, I WILL FILE AN FTC REPORT ALONG WITH SEEKING LEGAL REMEDY FOR COMPENSATION FOR EVERY MONTH THESE ACCOUNTS HAVE BEEN REPORTING TO MY CONSUMER REPORT. I WILL BE SEEKING COMPENSATION UP TO {$1000.00} PER VIOLATION FOR EACH OF THESE ACCOUNTS. ( PLEASE READ CAREFULLY THE LETTER IN THE RESOLUTION AREA )
Product: Money transfer, virtual currency, or money service

XXXX XXXX has been in business for over 30 years and we have been a PayPal customer using their payment platform as an option to our customers for many years. We are a small company with XXXX employees. 

In XXXX, PayPal started withholding our funds without notice. Again, there was no notice that they would hold our funds which I am not sure they can legally do. They are holding 62 % of our revenue which is obviously crippling to a small business. With the amount that PayPal makes off of their astronomical fees that they take out of each transaction, this is absolutely appalling. 

PayPal also has a history showing our spikes in sales to prove that these are common and funds have never been held before. I have reached out to PayPal over 8 times in the past 3 weeks. They refuse to transfer me to the department that reviews holds, they continue to deny my review of the account for releasing the hold, and the employees that I have spoken with have continued to tell me that there is nothing that I can do. 

PayPal is holding our monies hostage and are not giving us, the customer, a way to have it released in a timely fashion. It is absolutely horrendous that a large corporation can hold a small company hostage and no one can assist. The unscrupulous practices of PayPal need to be reviewed and they need to be held accountable, not just for us, but for all of their customers who trusted them to act as a company with integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Product: Debt collection

I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP
Product: Debt collection

I requested a valid debt validation letter several times. i was written by mail and notified if they couldnt receive info in a timely manner the account will be closed and returned to original creditor
Product: Student loan

Nelnet reported a XXXX late payment on my student loans without ever reporting any XXXX or XXXX late marks. When I called, the representative stated that they never have or will give XXXX  adjustments and that nobody at the company can do it. No explanation was provided as to why their credit reporting begins only at XXXX  days. 

This practice is inconsistent with standard credit reporting practices and has severely damaged my otherwise strong credit. Moreover, without prior XXXX or XXXX notices, consumers are left unaware of impending issues, making it impossible to correct problems before they escalate. I believe this approach is both unfair and punitive.
Product: Credit reporting or other personal consumer reports

Todays date is XX/XX/year> Accounts in question with amounts 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

Here is a summary of my interactions with the company XXXX over the past month. 
XXXXXXXX XXXX  XXXX : XX/XX/XXXX, email sent to XXXX : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with XXXXXXXX while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these XXXX visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved XXXX visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with XXXX : I called XXXX  XXXX on the above date with a request to close the accounts and tag them as fraudulent. XXXX XXXX Claims Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, XXXX XXXX is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC over the past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank XXXX that you haven't use for XXXX months or more. Please let us know right away if this wasn't you. ''
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear I C SYSTEM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX XXXX Missouri 's identity theft fraud laws. 

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information. The XXXX XXXX identity theft and fraud regulations provide additional layers of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX