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

I had chase bank account from this year XXXX till middle of XXXX they closed my account without inform after they close my account they sent me letter ( after few weeks ) They gon na close my account soon because Im unable to provide some details to about my account but from that time frame I didnt receive any email or mail from them regarding close my account until they closed it at that time I had over XXXX $ on my account from beginning XXXX till today ( XX/XX/2020 ) Ita has been under investigation I called to them at yesterday asking about their process till yesterday they didnt investigate or do nothing till I called them still they hold my money with there hand I called them around XXXX XXXX ask they need help from me but they didnt asked anything They wasting my time and holding my money without do nothing Then I went chase bank store and asked why I cant get my money or what do you need any documents or details from me still they dont know how to handle that issue because I called 4-5 time via a chase customer service different person said different thing no one knows what to do Then I was argued and I asked why you hold it before they said I have issue with my unemployment benefits and I figured its not I issue at all then at yesterday they said my account has 3rd party members then I asked who thats is then they said name of that person I told to them I know him he is one of my friends son This is very small issue because he was try to deposit some money on my account because I was helping his dad That was issued but chase bnk lawyers said its unemployment issue then I called to unemployment department they said they dont have any issues with your account or you getting benefits from our department I told this thing to them they did not get any action to it I want go lawsuit against them because why they waited long time without do nothing and they proved nonsense issues they didnt investigate correctly I got harmed because that period I had link this chase bank account I had to pay overdraft to most credit card bill And while they closed accounts they closed it without futher notice And they cant solve this matter until I figure it out I need to go higher lawsuits against them because this is frustrating and 100 % their failure
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to follow up my previously sent letter to the current evaluation of credit bureaus. I appreciated the credit bureau 's removal of fraudulent items from my file, but there are still remaining items that need to be deleted. I address the issue of identity theft and dispute certain items in my credit file that are a direct result of this crime. The purpose of my dispute is to request the removal of any information associated with these fraudulent activities, as they do not pertain to any transactions I have authorized or participated in involving the acquisition of goods, services, or money. I am unaware of the specific details regarding these disputed items. Furthermore, I have discovered that other credit bureaus have already removed the mentioned information, which raises doubts about its accuracy. Additionally, the reported payment history on some of these items is unclear and perplexing to me. According to the FCRA 605B ( c ) ( 1 ) ( C ), I am within my rights to request the decline or rescission of such information. Below are the remaining items that need to be DELETED : XXXX : XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} 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 XXXXXXXX XXXX XXXX XX/XX/ EQUIFAX : XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX : {$1000.00} XXXX XXXX XXXX Balance XXXX {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$3300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in XXXX for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was withdrawing funds ( {$440.00} ) from my checking account at a walk-up Bank of America ATM in the evening on XX/XX/23, and received an error message that said, the transaction was approved but for security purposes your card has been restricted, call the number on the back of your card. No money came out of the atm. 

I called Bank Of America customer service, and they told me the XXXX came out of the account anyway, and they said they were filing a claim that night. They said they would expedite the claim so the funds would be returned the next business day. 

Monday morning, I call and they say there was no claim filed, and I filed a claim again. They said they would expedite it again. 

Later I call in today, they say my claim was denied immediate review, and that they can hold the {$440.00} that I never received that was in my account for up to 45 days.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

XXXX. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. Validate the late payments. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate the late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get my free credit report from Equifax online through annualcreditreport.com and the website keeps saying the report undeliverable online. 

Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online
Product: Debt collection

I moved out of the XXXX XXXX XXXX by XX/XX/year> when my lease ended I paid my rent on time each month which I have proof of via email yet they are charging, {$1300.00} on my credit as a collection through a creditor by the name of SOURCE RECEIVABLES M which told me I'm being charged for non payment of last months rent
Product: Mortgage

Altisouce told me I would receive money for relocation. I moved out of the property and they never contacted me. They turned off the utilities
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Product: Credit reporting or other personal consumer reports

Type : Incorrect Information on Credit Report Details of the Complaint : I am filing this complaint because Experian has refused to remove outdated and irrelevant addresses from my credit report, despite multiple requests. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following outdated addresses that no longer belong to me remain on my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are no longer accurate or relevant, and their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy in credit reports. Outdated and irrelevant addresses violate this standard.

Section 611 : As a consumer, I have the right to dispute inaccurate or irrelevant information on my credit report. Experian is required to investigate my dispute and delete unverifiable or outdated information within 30 days of receiving my request.

Section 605 ( a ) : Obsolete information, including irrelevant addresses, must not remain on my credit report if it serves no legitimate purpose.

Additionally, I am a victim of a data breach, which increases my risk of identity theft and fraudulent activity. Leaving outdated addresses on my credit report exacerbates this risk and fails to provide the necessary protections to ensure accurate and up-to-date reporting. 

I have made several prior attempts to contact Experian, requesting that these outdated addresses be removed. Each time, my requests have been ignored or denied, despite the fact that the information is irrelevant to my credit profile. This refusal to correct errors on my credit report has caused unnecessary frustration and could potentially lead to financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX  XXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to XXXX XXXX XXXX, XXXX, XXXX, and Experian. XXXX removed both trade lines and XXXX and Experian just removed one. My complaint is directed towards XXXX XXXX XXXX due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting Experian and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
Product: Credit reporting

My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving these matter. 
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 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 card

I had a XXXX dollar minimum payment due and they said it got returned by the bank which I dont know why it was XXXX dollars and I had more than XXXX dollars in my account and they went ahead and charged me XXXX dollars for it I called them and asked if they could waive it and they said they couldnt waive the fee
Product: Debt collection

Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over 90 points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.
Product: Credit reporting or other personal consumer reports

I see a Mobile phone on my report I do not recognize XXXX XXXX {$1800.00} I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time believing that an investigation was done regarding an account that's reporting on my credit report. A company by the name of Jefferson Capital is reporting a collection account to the bureaus. I disputed this months ago because I've never had an account with this company. The original creditor is XXXX XXXX and I have already discussed payment plans. The amount on this account is not the same balance that I have with the original creditor. A remark is on my credit report acknowledging that I disputed this account, but I have yet to receive validation. Please provide the original contract where it includes Jefferson Capital as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Product: Credit reporting 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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

I was incarcerated at this point of time, also I could not find a way to discontinued the service, and they continued to run the service while I did not even live at the location. I also was unaware that the service was still on while the bill was not paid for, and they let it run to over {$1000.00} dollars with it unpaid! How is this possible when they should discontinue the service after one bill is not paid for or tried to contact someone after one bill is not paid for.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
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
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXXXXXX Account Number : 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 reporting, credit repair services, or other personal consumer reports

According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This XXXX  XXXX account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file
Product: Credit card or prepaid card

Bank of america closed my credit card account and withheld my credit card rewards totalling {$4600.00} and also refused to refund my credit balance on same card for $ XXXX to the recent violations found by federal regulators i believe bank of america violated my rights under the consumer financial protection laws. 

I would like bank of america to issue my well earned credit card rewards as well as refunding the credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.