23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the credit reporting for my account, number XXXX XXXX XXXX. It has come to my attention that your company has failed to verify the accuracy of this account, which is a violation of my rights under federal law. According to the Fair Credit Reporting Act ( FCRA ), it is illegal for a creditor to report inaccurate information if it has not been properly verified. Collection name PORTFOLIO RECOVERY has not ensured the accuracy of the account in question, I request that the account be removed from my credit report immediately. I kindly request that you : Remove the Account : Ensure that the inaccurate account is removed from all credit reporting agencies to correct my credit history. Provide Written Confirmation : Send me written confirmation once the account has been removed and my credit report has been updated. Please address this matter promptly. I expect a resolution within 15 business days from the date of this letter.
Product: Credit card

I was in by a store called XXXX XXXX XXXX looking on a XXXX and paid a deposit of XXXX for them to fit it for me. 
I did call the next day to cancel but the store refused to cancel even though it is XXXX XXXX and tried to convince me to choose something else instead. 
After being ignored by the store I decided to dispute the charge, But Chase bank denied my dispute based on store initially responded I picked up the merchandise and then they change the story that they start tailoring so can not return. 
I tried to ask Chase bank again to investigate that and send them a later saying I have a phone conversation recording with store owner admitting they are still in position on the merchandise, but chase denied opening it back. 
now. 3 months after I still do not have the merchandise and did not receive my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an 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. 

XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX Theses are all reported improperly
Product: Checking or savings account

On XX/XX/2021, we received a phone call from a XXXXXXXX XXXX XXXXXXXX employee. At the time I was at quarantined at home with XXXX children on " XXXX '' school. After a pressured conversation and threats to cut the power to our home in which he brought a number of proofs to validate himself, we paid him in 2 transactions totaling an amount of {$2200.00} for an account that we believed was in arrears. Immediately, after hanging up the call, we realized that the call was fraudulent. Running over to TD Bank in a panic, we tried to stop the transactions. Both of them said " pending '' and we were told that there was a chance to stop the payment. We began a series of desperate phone calls to bank managers, supervisors and higher ups in the hopes of somehow recouping the money. The calls were either not answered, or were not returned. We essentially, were " blown off ''. For us, the amount of this transaction is significant and the absolute disregard and lack of attention from the bank was appalling to us. We have been banking with TD Bank for 10 years and have 9 accounts with them. When we finally reached a vice chairman, after an initial very rude exchange in which he implied that we were a bother, we were told that there was nothing they could do for us as the payment went through immediately. This is very strange to us as the bank records show the 2 payments posting on 2 different days, yet they were made minutes apart. As such, we believe that had we received the appropriate attention, we could have stopped them from going through. It has been a large case of neglect, negligence and general disrespect towards us the customer. We are still seeking recompense for this maleficence and are strongly considering closing our accounts and going elsewhere. In the meanwhile, maybe if this complaint is seriously recognized we might get the deserved attention and compensation.
Product: Credit card or prepaid card

We were misled by the CHASE credit card 's 0 % APR cash offer that we did utilize twice in XX/XX/XXXX and in XX/XX/XXXX we paid it all back early, because of the scam about charging auto-matic purchase interest even when paying off all of our charges off every month, as usual. 

All 4 statements- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached, showing the history. 

Also attached is the XX/XX/XXXX letter to Chase regarding the mistake that they had made on our XX/XX/XXXX that appeared to cause a pitfall " every month '' as they again charged us purchase interest, ( on XX/XX/XXXX for {$37.00} and XX/XX/XXXX for {$22.00} ) even with ALL PURCHASES being paid off on or before the due date, as we always do. We'd like our {$60.00} for these amounts, returned immediately to our Chase card that ends in - XXXX. 

We never would have accepted their offer for only a 3 % transaction fee if Chase had disclosed that all of our re-occurring charges and other purchases, on this visa that ends in - XXXX. 

{$170.00} is the amount that we were charged on our XX/XX/XXXX statement for the {$5900.00} cash advance, we are not going to demand that CHASE return that, but they should. As anyone can see, we surely did not get to enjoy their offer for 0 % APR on the cash advance part of the statement for the year that they offered! We had to pay it off early to avoid that monthly " scam '' they run on the purchases! You'd have to pay off every purchase, while it's only a " pending authorization '' and before it posts to the statement to avoid being charged " purchase interest ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX Balance : {$1500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {$1000.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : {$700.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$510.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXX Balance : {$370.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$100.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$100.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX Balance : {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX  XXXX Balance : {$0.00} - his account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Product: Debt collection

Im not sure whats going on. Upon checking my consumer report it appears that NelNet debt collector is reporting I owe them an alleged debt. I dont know who this company is or how they acquired my private personal information because I have never done business with them.
Product: Checking or savings account

{$200.00} Atm issue, the ATM failed before dispensing {$200.00} cash. My account elected that the {$200.00} depended on my account. However, the atm never issued the cash. Also, I was charged a {$35.00} fee for an overdraft. The {$230.00} was not refunded to me. On XX/XX/12 Wells Fargo placed that a {$200.00} credit was applied to my statement, however, I never received the refund for the {$200.00} and applied fees.
Product: Credit reporting

On XXXX I filed a complaint against Experian in regards to XXXX incorrect reportings on my credit file. The original case # is XXXX with the CFPB. I was disputing the fact Experian is reporting a State Tax lien against me and also Experian was still reporting XXXX student loans from XXXX XXXX that were paid and closed and XXXX stated that they would stop reporting the debts on my credit file. I disputed with all bureaus after XXXX XXXX made me aware. Since then XXXX XXXX have deleted the reporting of these loans. I contacted CFPB in my original complaint on XXXX. the response from Experian was that they would remove the students loans from my report. it is now XXXX and these loans are still reporting on my credit file! Experian told me they would remove them but yet they are still reporting them! i 'm attaching the response from experian that states they will delete the student loans! No other bureau is still reporting this but them!
Product: Debt collection

I believe I, and Ditech Financing LLC may be victims of Escrow Fraud. Please see attachments ' for a detailed explanation of the event. You must start with the letter to XXXX ( Ditech Holdings ). This a time sensitive matter due to start in XX/XX/2019. The letter and attachments are self explanatory. If I were to write the communication into this box, it would be redundant. 

Thank you for your attention XXXX XXXX " I'm being robbed in slow motion '' ...
Product: Credit reporting or other personal consumer reports

Charge-off for {$11000.00}. I requested this be removed from any and all credit reporting agencies. Because of code 15 USC 1681EB. The XXXX  considers forgiven debt. The debt is canceled. 
By law the credit agencies has to report maximum accuracy. This isn't accurate.
Product: Checking or savings account

US HSBC XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I deposited US {$80000.00} to apply for a nine-month 5.25 % time deposit. I waited for several weeks with no response. I called several times and some responses were that the application could not be found, and some responses were that it was being processed, but the responses were all different. 
XXXX. I also submitted a credit card application in XXXX, but there was no news. I asked for the same reply multiple times, either the application information could not be found or it was still under review. Multiple replies with different answers. 
XXXX. There was no result notification in XXXX. I asked customer service again and submitted the application again. There was no news for half a month. On XX/XX/XXXX, the account showed " Sorry, there was a problem loading your accounts. Pull down to refresh.Error code XXXX '' " It's been like this all week. 
XXXX. Asked the bank customer service and the reply was that the account was locked. What's the reason? The customer service reply was unclear and asked me to wait. Two weeks later, it is still locked. I called customer service again and contacted the bank 's security department. The security department told me that they didn't know the specific situation and told them to wait. It would be unlocked after a few days. After a few days, it would still be locked. 
XXXX. Finally, when asked about the specific reason, the banks answer was unclear. When will the account be unlocked? The banks customer service response was unclear and there was no specific time limit for them to continue waiting. 
XXXX. For such a baseless service, leaving my {$80000.00} in the bank has no value. Any banking transaction is chaotic. And they locked my personal account without any reason or reason. 
XXXX. Regarding the same problem, I searched on the Internet and found that there are many similar problems, especially for international users in the XXXX XXXX region who have locked their cards and closed their accounts on a large scale without any reason. I dont know which US law stipulates that users in XXXX XXXX are treated so differently. Is this XXXX discrimination? 

XXXX. Due to language and geographical issues, many people encounter such discrimination and unfair treatment and have no channels to speak out or a platform to complain. My complaint reflects the hope that the relevant departments in the United States will take it seriously, review and handle it properly, and provide a reasonable solution. 

XXXX. Moreover, the above-mentioned unreasonable discrimination is unfair. Are their bank 's practices reasonable and standardized? Does it comply with industry regulations? Is it legal and compliant and does not violate relevant laws? 

XXXX. Regarding the above description, I can cooperate to provide more information to help your supervision, and the banks customer service should also have recordings that can be investigated. Please also investigate what I said about the large-scale unreasonable discriminatory treatment in the XXXX XXXX XXXX XXXX. I hope that HSBC XXXX XXXX XXXXXXXX will not discriminate against our users in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- XXXX
Product: Vehicle loan or lease

For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX  XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car. 

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX. 

The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car. 

It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.
Product: Student loan

Since about XXXX I have been tasked with the payment of private and federal student loans, I graduated college in XXXX. However, with my private student loans with Navient ( at the time XXXX XXXX ) I have been given little to no help with information or direction towards lowering my student loans, every time I have spoken to someone it's always the same run around with it ending in myself being basically forced to enter a repayment program to one I could not afford otherwise as they ( Navient ) stated they would ruin my credit. I have provided them all my information in regard to employment and salary to help them understand the situation I currently am in and still nothing has been done to help and instead the numerous programs ive entered with automatic payments coming out each month nothing has lowered my principle balance and now I owe more than I started. I owe approximately XXXX in private student loans with Navient and I feel stuck in a rut with them and no way out.
Product: Credit reporting

XX/XX/XXXX I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to XXXX over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. XXXX say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with XXXX and they sent me a letter telling me this was my account when indeed it was not. Also XXXX have my credit profile with double accounts XXXX listed a bill for for XXXX dollars 3 times - XXXX XXXX has listed a bill for 2 times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed 2 times. Syndicated collection I disputed with them a few years back and they fail to investigate and respond to consumers to within the XXXX timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX 3 times and XXXX 3 times and XXXX 2 times and I reach out to them and these debts they are not showing me in the information they mail me. Also XXXX has XXXX accounts listed in open collections. XXXX XXXX - Net Pay advance is listed as open when indeed XXXX XXXX sent me a letter back in XX/XX/XXXX or XX/XX/XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to XXXX twice I just sent the letter again on XX/XX/XXXX I sent the letter to Transunion and they did close the account. XXXX has XXXX open collections on my credit profile and my credit score of XXXX. Transunion has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to Transunion and XXXX to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. Transunion is totaling to show XXXX and XXXX shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And XXXX I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX