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

On XX/XX/2021 I received a letter in the mail ( dated XX/XX/XXXX ) from Chase : Weve decided to close you accounts. 

No explanation was given and I have until XX/XX/XXXX to withdraw all my funds. 

Ive been banking with Chase for over 4 years. I have a personal account, a business account and a savings account, as well as two credit cards ( one personal and one business ). 

Ive never had a payment or check bounced or returned. Ive always paid ahead of time. I maintain a positive balance at all time, never going into over draft. I have hundreds of thousands of dollars in my savings account. 

I have two mortgages which are always paid paid on time, never ever late. 

Never had a complaint or issue with the bank. 

My main business is buying and holding real estate in the U.S., and Ive stated that in all questionnaires. 

The only thing I can think of is that I currently live abroad in XXXX, but I have many friends and family who live in XXXX and have been banking with Chase for years. 

Ive spoken with my bank manager and he has no idea why this could have happened. 

Im extremely surprised and disappointed.
Product: Debt collection

Equifax is reporting accounts on my credit that are more that 6 years old based on state law. The accounts that they are reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, this company has been trying to charge me for a service that i already paid and disconnected, they chargerged me twice in one month for {$120.00} and {$70.00} all in the month of XXXX when the XXXX XXXX  hit the XXXX, mind you i had no service since the XXXX of XXXX all the way to the end of XXXX since the power was down in most parts and they were not equipped with backups to keep the service running, i encourage this company to take a look at the account and stop sending mails to charge for a service i did not received properly, they then sent a debt collector to threaten me that if i not pay said amount my credit will be damaged which can not be true because i was never in a contact with them
Product: Debt collection

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.
Product: Debt collection

Day XX/XX/XXXX my amount was own {$1500.00}. I was agree that I was purchase this amount. Sending a payment for XXXX on XXXX was charged and feed charged XXXXSo if you were subtract XXXX XXXX. Then using my credit another charged for my pet XXXX XXXX & XXXX + interest XXXX, I then sending payment per XXXX XXXX so this was part of expensive on the month XX/XX/XXXX and XX/XX/XXXX in the meanwhile, I was calling the company to sending the statement for those moth until XXXX. The company send me the amount own but it was not explain the detail or each merchandise. then it was show another transaction that i was making on those month such us XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX sending payment per XXXX XXXX XXXX after that i bought XXXX Sending XXXX XXXX my card lost and the company send another card on XXXX. I was purchase XXXX XXXX XXXX XXXXXXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sending payment XX/XX/XXXX XXXX = XXXX then I was sending another payment of XXXX XX/XX/XXXX there were XXXX account XXXX end XXXX and another XXXX i will send the statement when i receipt front the company + statement that i had with me to compare both statement. 
I am not refuse to make my payment. Seeing total amount different to the money that expending.
Product: Payday loan, title loan, personal loan, or advance loan

I received a notification of an inquiry on my credit report. I called to dispute. They said the process was declined, but I'd like it removed from my report.
Product: Debt collection

I was contacted by Glass Mountain Capital about owing a debt on XX/XX/2019. The representative told me about a debt that I was unaware of and needed more documentation. Therefore, I asked for written verification of the debt to be mailed to me as soon as possible. The manager on duty, emailed me some documents, which I was not able to see, so I replied twice for them to be re-sent, with no reply from the representative or collection agency. XX/XX/2019 was the last time I heard from the collection agency ; no phone call or written verification of debt. Under federal law, a collection agency has 5 days to send the verification to the consumer ; however, it wasn't until XX/XX/2019, that the company under its subsidiary name " XXXX '', mailed verification and it was not until XX/XX/2019 that I received written document. Clearly, the time frame is more than five business days and negligence on the part of the company to verify the debt in a lawful and timely manner for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Neither Transunion or XXXX  gives you access to your credit report online through the website XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an XXXX complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts. 

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : XXXX. FTC Identity Theft Report XXXX. XXXX Complaint Report Additionally, the XXXX  XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report XXXX. XXXX Complaint Report XXXX. Copy of my government-issued ID XXXX. Proof of address ( e.g., utility bill ) XXXX XXXX : I can be reached at XXXX or XXXX XXXX
Product: Debt collection

Hello, Thank you for all that you do. 

This contact is in regards to my communications with " Southern Management Systems Incorporated ''. Upon contacting the company I was treated very discriminatingly after explaining I am an XXXX with the XXXX XXXX and verbatim the lady said " well good for you '' /etc. This occurred on XXXX. XXXX, 2021 at XXXXEST. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Tuesday, XXXX XXXX
Product: Checking or savings account

After years and years of the paradigm of a monthly transfer of funds from my corporate bank to my personal account with Citibank, to facilitate my ability to pay my personal bills ( Rent, utilities, personal expenses, etc ) and depending on having the funds immediately available to make those payments ; this month ( XX/XX/XXXX ),  without notice or warning, Citibank suddenly put a hold on my funds leaving me in the position of being unable to pay my rent. 

Calls to Citibank resulted in a complete unwillingness to correct this, although they indicated my account had no issues. They indicated they were doing this broadly, as if these criminals XXXX  more people lets them off the hook for their unconscionable actions. 

Im now left unable to physically make a rent payment. 

Citibank is a criminal enterprise. They need to be treated as such by oversight groups within the United States government. In XXXX these predatory monsters attacked me financially through their credit card division causing financial injury. At that time, as is the case here, I did nothing to warrant their actions ( as they repeatedly admitted ) At the time the Consumer Financial Protection Bureau did not exist and the corrupt OCC was zero help. I was left without recourse.
Product: Credit reporting or other personal consumer reports

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Product: Debt collection

Your company WESTLAKE FINANCIAL SERVICES never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following accounts on my credit report. I haven't received any disclosure statements or any debt validation letters. Experian has sent a generic letter stating been verified. Experian has continued to violated consumer laws by not using the proper procedures 15 USC 1681D. XXXX - Amount : {$1200.00} XXXX - Amount : {$1500.00} XXXX - Amount : {$1300.00} XXXX - Amount : {$1700.00} XXXX - Amount : {$690.00} XXXX XXXX - Amounts : {$5300.00}, {$19000.00}, {$8900.00}, {$36000.00}, {$10000.00} Self - Amount : {$520.00} XXXX - Amount : {$29000.00} XXXX XXXX. XXXX XXXX - Late payment XXXX XXXX XXXX XXXX XXXX XXXX - Amount : {$2500.00} XXXX XXXX XXXX - Amount : {$320.00} XXXX XXXX XXXX XXXX XXXX - Bankruptcy
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX XXXX someone applied for a XXXX XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Product: Debt collection

Recently found there is a levy on my saving account and my money was deducted from a attorneys office from a opened law suit obtained by debt collector.I had and have no idea what this is all about. I was not informed anything. I have no outstanding collections going by my experian and XXXX XXXX and XXXX accounts on line. I do know that I had collections a while back that were closed out over XXXX  years ago. I am on XXXX below the states poverty level as far as income goes. When I call my bank I get very limited information other than the attorneys office. I tried to contact the office there is no phone number to call to speak with a rep. They tournedos office web site only want payments and will only communicate through texts on tier web site. When I attempt to communicate through text on their web site a warning comes up and shows anything i say/type in will be used against me in any way in court. I do not feel this site or Levy on my bank account is legit. Other than the information I have provided is all I know of other than the attorneys name and location.
Product: Credit reporting, credit repair services, or other personal consumer reports

After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent my first dispute letter, dated XX/XX/2019 to Experian and they received the letter via certified mail on XX/XX/2019 @ XXXX XXXX. I received their response on Monday, XX/XX/2019. Their letter was send via First Class Mail. According to USPS, First Class Mail takes 1-3 days to be delivered. Thus, Experian 's response to me was over the 30 day violation and Not in compliance of this rule. I have all of my mail tracked by USPS daily delivery digest ... so I know all incoming mail/packages coming to my address. ( I have attached this print out as proof/support of my complaint ). Since I received their response on XX/XX/2019 ... according to the timeline given by USPS for first class mail ... .they mailed their response to me on or after XX/XX/2019. I attempted to reach out to them again with a 2nd dispute letter, asking them to delete my accounts because of their non compliance to the 30 day rule violation. This letter was dated XX/XX/2019 and was received by Experian via certified mail on XX/XX/2019 @ XXXX XXXX Their second response to me was received within the 15 day rule ; however, no accounts were deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed there are hard inquiriries that don't have permissible purpose to be there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I have attached the inquiries that don't have no purpose to be on my credit report.
Product: Checking or savings account

Originally filed a complaint in XX/XX/XXXX regarding same issue. 

Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}. 

To date I have incurred {$120.00} in late fees ( XXXX XXXX  and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder. 

53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments. 

My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized. 

Recently, 2 of my bill payments via paper check took 10 days to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor reported a energy bill of XXXX, I moved from the location after separating from my ex spouse and had my service disconnected and changed to another address. Somehow the creditor was unable to collect from my spouse who walked away from the house and never disconnected the service and they then attached his bill to my bill. I have explained this to them several times. How is a utility company able to let a bill constantly increase without disconnecting the service to become this high.
Product: Debt collection

The account was closed in XXXX for {$510.00} and they just opened this collection against me in XXXX of XX/XX/XXXXand are demandingi pay {$1400.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, These inaccurate accounts are hurting my ability to obtain credit. 


XXXX XXXX XXXX company {$520.00}
Product: Student loan

Studentaid.gov login issue is discriminatory. 

The Studentaid.gov login process creates an unfair burden on borrowers with a Puerto Rican area code. The Studentaid.gov website requires that you verify your cell phone number prior to accessing any account information. This process includes Studentaid.gov sending your cell phone a text message with a unique code to enter into the website. 

Due to the fact that my cell phone number has a Puerto Rico Area Code ( XX/XX/XXXX), Studentaid.gov is unable to text me this code needed to login. This makes logging into the system very difficult because cell phone verification is required to proceed to account status - I had to delete my cell phone number in order to proceed. 

Despite the workaround of having to delete my cell phone number ( I was ultimately able to login ), my  ability to full utilize the website is hindered by not having a cell phone number as an available account recovery method. 
Given that the majority of people who live in Puerto Rico and/or have Puerto Rican area codes are Spanish speaking or belong to a minority group, this practice/policy is discriminatory, and creates a hurdle for people living in Puerto Rico to access their account information that people living in one of the US states do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, equifax and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you