23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from a " debt collector '' about a loan in the amount of XXXX When I attempted to gather more information from the agent he because aggressive and started threatening me with jail time and named off 4-5 different charges they were going to file if I didn't pay. I tried to explain I had no knowledge of the loan in question and needed more information. XXXX ( agents name ) then yelled into the phone for me to sign a deposition and they'll see me in court.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 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.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I signed up for a vacation package ( XXXX ), a few months later I realized I never received what I paid for so I decided to dispute the charges and try to get my hard earned money back. I reached out to XXXX but they kept trying to give me the run around and not refund me so I reached out to my bank ( Digital federal credit union ) to dispute the charges and attempt to get my money back. They were somewhat helpful at first but I login to my account today and see that the charges were reversed and my account is overdrawn without any explanation. So here I am now making a complaint because I feel like I am being robbed and scammed by XXXX and Digital federal credit union is in cahoots working with them. I am very disappointed
Product: Credit card or prepaid card

I am writing to ask for your help in investigating why Chase Bank recently closed my credit cards and then subsequently ceased all business with me. I have been a Chase Customer since XX/XX/XXXX. I have paid my credit card bills on time and have never left a balance on any of my Chase Credit Cards since opening up my first credit card with Chase inXX/XX/XXXX. I have all of the bank statements to prove it as well. 

On Friday XX/XX/XXXX my Chase Personal Credit Cards were all working in the morning and in the evening they no longer worked. I called up Chase and all they would tell me was that they had ended their credit card Relationship with me, as per their terms and conditions, which simply state they can close your account for whatever reason they want if they so choose. I asked for a real explanation as I have been a loyal customer since XX/XX/XXXX and have never even missed a payment. Unfortunately, Chase only provided me with the same line we can close your accounts whenever we want as per the cardholder agreement. There was no warning, no explanation, and no one willing to give me a real answer. I followed up with an email to the customer service team onXX/XX/XXXX and received a similar message. 

I subsequently spoke with a Chase Executive Member ( whose name I can provide ) who called the Chase Closure Team who also was unable to give me with any more information, as she stated that the Closure Team would not give her an answer either on XX/XX/XXXX. I find this to be extremely puzzling. How is it that the Chase Executive Office can not even get a straight answer from another department within Chase. 

I then got a letter from Chase on XX/XX/XXXX stating that my credit cards were being shut down. Again, when I called, I received the same response. Chase reserves the right to close your account for whatever reason they want as per the cardholder agreement. 

On XX/XX/XXXX I called the number on the back of the Chase Sapphire Reserve Card that I had. The woman responded by telling me that the account was closed, she couldn't see why and that there was no way to get it reinstated. I asked her to transfer me to a supervisor. The supervisor told me to write a letter with my complaint and to send it to their corporate office but that I was never going to receive an honest response. 

I feel that I deserve a real explanation. Is Chase really saying that unless they can make money on me, my business is not welcome? Am I really being punished for being on top of my finances? I would appreciate a real explanation and any help in this matter. Ideally, I would like my accounts reopened as I have done nothing wrong. This has also ruined my credit which is truly unfair. Again, another reason why I feel that my accounts should be reinstated. 

Please Help!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit card or prepaid card

Hello, I was referred for the American Express XXXX XXXX XXXX XXXX and was subsequently approved with an offer of XXXX membership rewards points after spending {$5000.00} in 3 months. I met that spending threshold and reached out and was told first that I was ineligible because I previously held this Card, I advised the agent that I had never had the card and that I never had any business card with American Express. Then they told me I was not eligible due to rewards misuse. They told me that when I apply it will tell me if Im not eligible, I did not receive the alert showing me I was not eligible and therefore submitted the application which resulted in both a new account and inquiry on my credit report. I then shifted my business Spend to this card, which American Express benefited from the processing fees/charges. After the Spend was met they advise I am not eligible for the bonus. I find this to be deceptive marketing and they should have to notify consumers prior to spending their money for the offers they are marketing for. I fully expect the promotion to be honored, as I would not have opened this account with American Express if I were ineligible.
Product: Debt collection

I already have disputed this account multiple times for the last 3 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their malicious and fraudulent reporting on my credit report, causing significant and unwarranted damage to my credit score.

The details of my complaint are as follows : In XX/XX/2020, Chase Bank closed one of my credit cards due to nonpayment of an amount related to price gouging during the pandemic. 

Subsequent to the closure, Chase Bank reported my account as charged off in XXXX 

Surprisingly, after the closure and charge-off, Chase Bank began offering me discounts to settle the outstanding balance.

The charged-off account has had a detrimental impact on my credit score. 

Chase Bank continues to report the nonpayment to credit bureaus, even though my account was closed and charged off three years ago.

The persistent reporting of nonpayment has resulted in the consideration of the debt as current, significantly impacting my credit score and hindering my ability to apply for a mortgage.

Despite the negative reporting, Chase Bank continues to offer me discounts to pay off the alleged outstanding balance.

I assert that Chase Bank 's reporting is not only inaccurate but also malicious and fraudulent, as it misrepresents the current status of the debt. 

It appears that Chase Bank 's continued reporting is an attempt to coerce me into paying an amount that I do not owe. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful reporting by Chase Bank. I believe this ongoing situation not only violates fair credit reporting practices but also constitutes an unfair and deceptive practice on the part of Chase Bank. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including account statements and communication records with Chase Bank.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue.

Sincerely,
Product: Credit reporting or other personal consumer reports

The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect. 

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the Statute of Limitations. 



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

I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 EXPERIAN and XXXX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting Equifax to fix inaccurate information on my credit report since 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 XX/XX/XXXX. XXXX response, Each time you response with " Verified ''. You continue to fail to investigate time and time again. You are reporting accounts that are not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies and unauthorized actions on my credit report, which are violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. These include : Unverified and Inaccurate Reporting : Credit information was reported about me without proper verification, violating FCRA 616, which prohibits willful noncompliance.

Failure to Inform of Rights : My right to opt out of sharing personal information was not disclosed, violating FCRA 603 ( d ) ( 2 ) ( A ).

Furnishing Deceptive Information : Creditors reported late payments and accounts inaccurately, violating FCRA 623 ( a ) ( 1 ). These errors caused harm to my credit profile and financial reputation.

Unauthorized Hard Inquiries : Several hard inquiries were performed without my written consent, violating FCRA 1681b ( a ) ( 2 ), which limits the permissible purposes for accessing a consumer 's credit report.

Improper Debt Validation and Collection Practices : Debt collectors reported debts without proper validation as required under FDCPA 1692g. This includes failing to provide necessary documentation, such as original contracts or applications bearing my signature.

Harassment and Third-Party Disclosures : Debt collectors improperly disclosed my alleged debt information to third-party credit reporting agencies, violating FDCPAs rules against unauthorized disclosure of location information.

Failure to Accurately Report Finance Charges : Finance charges were incorrectly calculated, violating the responsibilities of the credit reporting agency. 

These violations have caused me stress, financial harm, and unnecessary interactions with creditors. I have taken steps to dispute these inaccuracies and demand immediate correction and validation of the reported items. If these issues are not resolved promptly, I will pursue legal remedies as provided under the FCRA and FDCPA.
Product: Payday loan, title loan, or personal loan

VW credit, audi financial intentionally destroyed my credit. The payment may be late but due to unexpected, unforeseen emergency and have been unable to pay current but make sure account doesn't go over 30 day. Payment is paid every month by the same date as reps has mentioned that if paid by 3rd, payment will not report derogatory. Therefore, I make all efforts that payments are paid monthly and by the 3rd. These conversations with the Audi, VW reps were recorded.

VW credit, Auti financial does not attend to serve me accurately as a customer and should correct this inaccurate reporting immediately. VW credit, Audi reported me derogatorily to all credit reporting agencies and I paid by 3rd as I did prior months, however reported this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

An ATM teller assist machine was unable to complete my transaction and was unable to return the {$2000.00} cash payment to a credit card I was making. I have gotten incorrect information from employee after employee from the phone number provided on the ticket that was printed from the machine. Customer service does n't know what they are doing and ca n't help me, they transfer me over and over and over. It seems the actual people in the branch are more helpful. It has only been two days but I have lost some much time over this issue trying to get a status update, which didnt happened today was over 1.5 hours. 1.5 hours in the branch trying to start a claim. No one seems to know who I can talk to about the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. 
The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. 

I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.
Product: Debt collection

In my previous request i requested that LVNV Funding to provide a copy of any and all signed agreements from me and the creditor bearing my personal signature which establishes my liability for this alleged debt. Therefor I am disputing the accuracy of the information provided in your verification response, as i believe it lacks the necessary documentation and details to validate the debt. As such again, i am requesting that you provide me with a comprehensive and legally required method of verification which entails each item I requested in my previous request. If you are unable to provide me with that information I request that you cease any other collection attempts and any reporting to the 3 major credit bureaus and remove this negative account from my reports. Please refer to Consumer Right code 611. Procedure in case of disputed accuracy [ 15. U.S.C.1681i ]. It reads ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I was served a summons on XX/XX/25 by a XXXX XXXX at XXXX XXXX XXXX XXXX  in Minnesota for a Target credit card debt. There is no case number but states it is a legal document filed at the South Dakota XXXX court. I called the XXXX clerk of courts and there is no case filed so I can't even file an answer to it. It also states that I will have a judgment against me if I don't respond. 
I allege that this violates the FDCPA in regards to I have no way to legally file an answer and it is threatening me with a judgment when there isn't even a legal case nor do they have the right to assume there would be a judgment since they are not guaranteed one if they do file a case.

-The use of false representation or deceptive means to collect or attempt to collect ant debt or obtain information concerning a consumer.

-The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

-The false representation or implication that documents are legal process.
Product: Debt collection

I have nothing to do with Midland Credit Management, they bought an old outdated account over 7 years old from XXXX and they have been sending letters after letters to my employer which caused me embarrassed and about to lose my job. Per Fair Credit Report Acts, this account was over 7 years old and need to be removed from my credit profile, I have sent them many requests and they have never response but instead keep sending collection to my employer instead of my home address