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

Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,
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 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.
Product: Debt collection

This is 3 accounts with AFFRIM INC. one is for the amount of {$330.00}, {$400.00}, {$1000.00} I have been disputing since XX/XX/2023. I have no knowledge of this account I have requested a debt validation and has yet to receive it. When I called I was told these accounts was sent to 3 difference collections agency that I have yet to receive any information or is listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : CREDIT BUREAUS You are reporting inaccurate and incomplete credit information. 
The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the XXXX law example : Fields v. XXXX XXXX Firm, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1666b ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX  Account # : XXXX Late Payment Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX Please correct the payment status for this account. 
to reported ON-TIME and/or CURRENT payment in all months and years above. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. 
Sincerely, XXXX XXXX
Product: Debt collection

I had renters insurance with XXXX XXXX. I moved from the apartment XXXX and cancelled my insurance. I requested it to be moved to my new address. I became aware that they never changed my address and continued to cover my old address. The building actually had an explosion shorty after I moved out and was evacuated. XXXX XXXXl is demanding that I still pay for insurance for on this apartment after vacating. I have sent them copies of my terminated lease and the phone number and email of apartment XXXX as well as copy of the lease of new apartment moved into XX/XX/. I understand that they may have been short of help during COVID and made a mistake but they are not being reasonable. I have great credit and have always paid them and other bills on time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX and XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX, and XXXX XXXX XXXX However, representatives from these banks have acknowledged the situation and agreed to update my credit file.
Product: Debt collection

I have excessively tried to dispute a collection with them. They claim I owe them money from filling out an application to live there. Why would I fill out an application to live there when I was already a current resident for 2 years and was still living there when the application was submitted. That makes no sense. They refuse to send me any letters of verification or communication. I want the debt ceased and the negative reporting removed from my credit report. How can I be charged for something I never asked for, wanted, or needed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Navy Federal Credit Union. My credit card went bad because I was financially unable to maintain the payments. Due to me being a XXXX veterans I was limited as to what I could do for employment. I was employed as a XXXX XXXX but had many limitations. Due to my XXXX I wasn't able to do the XXXX XXXX XXXX therefore I ended up losing my job. This caused my inability to continue making my scheduled payments. In the beginning NFCU tried working with me eventually closing the credit card. In 2017 NFCU charged off the account. I have no disputes with their protocol. After the charge off NFCU continued to call me daily and harass me about paying the credit card. I asked them to stop with the calls but they continued to call with harassment. I sought legal aid in which they sued NFCU winning a judgement against NFCU for violation of Penal Code 653m. Almost 2 1/2 years later NFCU changed my credit report status from charge off to FP ( failure to pay ). NFCU did this out of spite to negatively impact my credit score, harass me into paying, tarnish my character and to negatively effect my credit worthiness. They waited 2 1/2 years after the charge off was completed to assult my credit and character. I strongly believe all of this was done by NFCU as a form of retaliation against me. I have the proof to support my accusations and claim against NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's
Product: Credit card or prepaid card

In XX/XX/XXXX I received an email offering for upgrade to a Venture Capital One card which had no annual fee. Over the summer I did a balance transfer to a 0 % APR credit card in hopes of tackling my credit card debt on the above account, therefore leaving my account with a {$0.00} balance. Unbeknownst to me, my previous card did have a membership fee of {$39.00} annually, and I decided to upgrade my card at that time to avoid a fee on a card I would not be using at this time. 

On XX/XX/XXXX I received an email reporting a statement balance of {$39.00} due XXXX XXXX. It was at that time that I made a phone call to Capital One to see if the membership fee was a mistake considering I had just upgraded my card. I was told on the phone that the {$39.00} would be for the upcoming year and since I upgraded my card, I would not be liable to pay this fee and it would be waived. I was told to " allow 1-2 billing cycles for it to come off ''. I remember my phone conversation vividly and know that this is what I was told ; had I been told that I had to pay the {$39.00} I would have cut my losses and paid it right then and there! 

On XX/XX/XXXX I received an email stating I have a balance of {$70.00} which was a {$39.00} membership fee ( which was supposed to be reimbursed or removed or whatever ) + a late fee + interest and it has since been reported on my credit score. I once again called Capital One and this time I was advised that I was mistaken : " we don't have any promotions going on to reimburse a membership fee '' and to write this letter. My excellent credit score of XXXX has since taken a nasty 50+ point reduction because of a delinquent account with 1 late payment, a late payment that ISN'T EVEN REAL!!!!! So not only has Capital One charged me a membership fee on a card I don't have/use, I was charged interest and a late fee and it was reported off as delinquent. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding incorrect information on my credit report, which I first brought to the attention of Equifax on XXXX. To date, I have not received any response from Equifax regarding this matter. The following are the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$540.00}
Product: Credit reporting or other personal consumer reports

violation of consumer XXXX XXXX XXXX  correspondence I am not liable for this debt I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested
Product: Debt collection

I keep receiving phone calls from portfolio recovery assoc. For a debt that was written off from XXXX  XXXX and XXXX  XXXX XXXX  XXXX XXXX. Both companies write off the losses every year by XXXX of the XXXX t year. I have no indenture with portfolio recovery. The original debt was with XXXX  XXXX and XXXX XXXX XXXX. Need these removed from my credit report and the calls to stop before I litigate.
Product: Credit card or prepaid card

I sent a billing dispute notice to CitiBank on XX/XX/2022. They received this notice via usps tracking and sent a stamped return receipt back on XXXX, XXXX, 2022. This notice stated that the entire balance at that time of {$9100.00} was in dispute. Citibank had 30 days to send a written notice saying they received this dispute. They failed to do so. Citibank also failed to send in any documentary evidence of indebtedness which is required by federal law to prove the account to be valid. As stated in 12 C.F.R. 1026.13 ( d ), the rules pending resolution of the billing dispute are as follows : 1 ) Collection action prohibited, 2 ) Adverse credit reporting prohibited, and 3 ) Acceleration of debt and restriction of account prohibited. Citibank has violated multiple of these listed, including reporting adverse events to the credit reporting agencies and accelerating the indebtedness of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

{$9.00} charge Card first progress secured card was canceled and the replacement card was not activated. Did a fraud claim they denied it I paid all charges and canceled the card I never activated new card a new charge came for {$9.00} it was not a charge I made so I was not aware nor did they give me notice I then was charged late fees and reported as late payment on my credit, I submitted good will letter to have the late charge removed because it was not my fault and I wa snot aware that a canceled or inactivated card could be used, so I gain paid all charges that was a result jn fraud and closed my account. They gave me a letter saying g they accepted my good will letter it would take up to 31 days to report, XXXX reported they company first progress did not fix the report. 
Months Nov- XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

I had a wrongful charge placed on my credit card on XX/XX/XXXX from XXXX XXXX. this charge was not supposed to be charged to my credit card. I opened a dispute for the charge and after several months of going back and forth with discover, the ultimatly ruled in favor of XXXX XXXX for the charges and forced me ( XXXX XXXX ) to pay the {$92.00} charge. discover stated, that they released the funds BACK to XXXX once the dispute was ( resolved ) on XX/XX/XXXX. i have spent countless hours on the phone with discover trying to get this resolved and get the merchant paid so I can move forward. but now the merchant is contacting me stating they have not received payment from discover. I am now having to go back and forth between the XXXX companies and am not getting help. when i call discover, they state " the case has been resolved and is now closed '' there is nothing further they can help me with. when i contact XXXX about the payment they state " they have not been paid by discover and that I still owe them {$92.00}. discover has charged my credit card back the {$92.00} and i have paid it. they are not helping nor are they willing to help when i call. this charge should never have been placed on my account, and XXXX submitted proof TO discover stating I only owed {$25.00} ... .not {$92.00} but discover still ruled that i was liable for the {$92.00} charge.
Product: Credit reporting or other personal consumer reports

I sent this requesting that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX # XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and I have filed several reports about new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.These debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft. I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of the following accounts on my Experian credit report : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX These accounts are being reported inaccurately and should be removed from my credit file. Both XXXX and XXXX have already deleted these items from my credit reports after verifying that the information was incorrect. Therefore, Experians continued reporting of these accounts constitutes non-compliance under the Fair Credit Reporting Act ( FCRA ). 

Violation of 15 U.S. Code 1681n : According to 15 U.S. Code 1681n, Experian is liable for willful noncompliance if it fails to ensure the accuracy of the information it reports. Willful noncompliance includes the negligent or reckless reporting of false information. Under this statute, I am entitled to seek compensation for damages, attorneys fees, and potential punitive damages if this issue is not resolved. 

Given that both XXXX and XXXX have deleted these accounts based on their inaccuracies, Experians failure to take similar action is not only inconsistent with industry standards but also a clear violation of the FCRA. Credit reporting agencies are required to report accurate and verifiable information, and Experian 's continued reporting of these erroneous accounts is damaging to my financial standing. 

Request for Immediate Action : In accordance with the FCRA, I am requesting that Experian promptly remove these accounts from my credit report. Additionally, I request that you provide written confirmation once the deletions have been completed and an updated credit report reflecting these changes. 

To assist you in your investigation, I have included copies of the deletion notices from XXXX and XXXX regarding these accounts, as well as a copy of my Experian report where these errors are still listed. 

Conclusion : If Experian does not resolve this dispute and delete the inaccurate items, I will consider pursuing legal action for willful noncompliance under 15 U.S. Code 1681n, which could include seeking actual damages, attorneys fees, and punitive damages as provided by law. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming that the errors have been corrected.