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

A fraudulent checking and savings account was opened in my name for Capital One Bank. I have had to lock all my credit accounts down and have been placed under extreme pressure, stress and inconvenience due to this situation. The bank was unable to or refused to provide me with an account # to assist with resolution. They claimed that they could only see the last 4 digits. Thankfully there has been no " current '' monetary loss. But I believe that this may have been an internal breach in an effort to beef up sales totals. I wanted to draw attention to the possibility so if in fact my breach was the result of greedy and unethical bankers it has been documented.
Product: Credit reporting or other personal consumer reports

I would appreciate it if you could remove these inquiries. I am not knowledgeable about them, and they were carried out by the company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both Equifax and XXXX a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they 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. 

We are requesting that they abide by the Federal Laws in this matter.
Product: Debt collection

On XX/XX/XXXX, I filled for bankruptcy in the state of North Carolina. I made my payments faithfully to the trustee. On XX/XX/XXXX, the bankruptcy was dismissed. At that time I notified Chrysler Capital that I would be making regular payments on the account until the monies that I paid into the court were returned to me, then I would pay the full balance to catch the account up to date. I made a payment on XX/XX/XXXX and XX/XX/XXXX, I also made an extra {$100.00} XX/XX/XXXX. I plan to make another payment on XX/XX/XXXX, when I receive my next Social Security XXXX payment. I was advised that it could take up to 60 days for the funds from the bankruptcy court to be returned. My car was repossessed with no notice that they were going to do that. I advised Chrysler Capital 3 times of the situation.
Product: Debt collection

I recently pulled my credit reports in preparation for going through the process of a XXXX XXXX background clearance with a military special operations unit. On XXXX, XXXX, and XXXX I found a collections account dated XX/XX/2018 for a debt I do not own, and have no knowledge of. It is a rather small amount, but since it is not mine, I am unwilling to pay it out of principal. 

I disputed the report with XXXX, XXXX, and XXXX directly. The collections company responded to the disputes back to the Bureaus that it was my debt. I also sent collections company a certified letter directly to their mailing address, signature required, requesting they validate the debt within the time require by law ; the collection agency did not respond to me, or validate the debt. They have recently reported to the credit bureaus, " Account information disputed by consumer, meets FCRA requirements. '' My name is a common one and there are several individuals in this state, and indeed in my very town, that have had problems and are in many court records for debts. The collections company claims I owe a utility bill. However, I was overseas, and did not have any utilities in the state for several years. Further, when I was in the state our utilities were in my spouse 's name, then in a tenants name the entire period we were overseas, then again in my spouse 's name upon our return -- never mine. I have no contracts with the company the collections company claims I owe, and never used my name to open any. I even sent a letter to the utility company in-question asking for them to validate the debt ; they have not responded either. The fact that neither company has attempted to contact me personally, when they should have the very address I live at and supposedly had an account for, is irony at its best. The fact they won't return my requests, is contemptuous and a flagrant disregard for the law. 

Please note I can provide copies of my passport that clearly shows I have been out of the country for many years, and only recently returned to the United States on a part time basis. 

I have no problem paying for a debt I owe ; I do not owe this debt. I am very much opposed to tactics like this, and how companies can get away with it. Further, this has a direct impact on my XXXX XXXX. In many cases, the expeditious thing would be to pay it. Morally, I can not do that. Thus, for that reason, I will pursue this aggressively. 

The agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX
Product: Student loan

Dear Sir/Madam, I am writing to lodge a formal complaint against the law firm Fein Such Kahn & Shephard PC , specifically concerning the conduct of XXXX XXXX XXXX XXXX XXXX in relation to their handling of debt collection practices against me. This complaint is rooted in what I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Without any prior written communication that detailed the nature of the alleged debt, Fein Such Kahn & Shephard PC, under XXXX XXXX direction, initiated a lawsuit against me. It is important to note that I never received a demand letter that outlined the debt or provided an opportunity for me to respond or arrange for payment. This omission deprived me of my rights to dispute or verify the debt before any legal action was taken. 

As a result, a lawsuit was pursued, culminating in a judgment issued against me for {$6000.00}, without providing any opportunity to settle or contest the claim outside of the courtroom. The lack of preliminary communication clearly contradicts the FDCPAs mandate that debt collectors must provide a written notice of the debt within five days of initially contacting the consumer, outlining the amount of the debt and the creditors name, and informing the consumer of their right to dispute the debt. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. I seek the reversal or, at minimum, the suspension of the judgment against me, in addition to any other appropriate remedies. Such actions by debt collectors should not go unchecked as they significantly impact consumers rights and well-being. 

Enclosed are copies of the relevant documents pertaining to the case. I am willing to provide additional information if required and am hopeful for a resolution that corrects the disregard of consumer rights demonstrated in this case. 

Thank you for your attention to this urgent matter. I await your prompt response and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and XXXX XXXX shall also be responsible for charges and fees
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$15000.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6600.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$7000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$18000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00}
Product: Debt collection

I have written letters to National Credit System to dispute a claim that is falsely listed on my credit reports. I am disputing this claim due to : 1. This is not my debt. 2. I do not owe any amount to this collection agency, I do not have an agreement with XXXX, nor do I recognize the alleged original account. 3. The name and address of the original account does not match mine. 4. This false account has already been deleted from my XXXX credit report, but still remains on XXXX and XXXX reports
Product: Debt collection

A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have requested proof of the alleged payments being late. Unfortunately, Experian has been unable to provide or lacking proof of the account ( s ) payments being late, update payment history to paid as agreed never late ( PAANL ). Accounts listed on letter attached.
Product: Bank account or service

I been eating at XXXX for awhile, so today XXXX XXXX, 2016, I went to XXXX to eat and my bill was {$87.00}. The credit company charge me $ XXXX.I went back to XXXX and they show my what they charge.So I called the company and the supervisor XXXX XXXX told me that they take out gratuity or tax at the end of the day. Supervisor said all restaurants do that, so I let speak to the manager at XXXX and she told her that XXXX does not do that, that is against the law. This have never happened before.Somebody trying to get extra money in their pocket, XXXX only charge me what act.
Product: Checking or savings account

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$2000.00}. I believe I appreciate Charles Schwab Bank 's collection agency for accepting money from me over this time. However, the original funds have not been recovered from my client 's checks yet. Now, I am concerned about damage to my FICO score to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.
Product: Money transfer, virtual currency, or money service

I received a Netspend XXXX card that I did not order. I called multiple times to report the card as unsolicited and make sure any account is flagged. Automated system -- no way to get to a human that I found. All roads lead to me activating my card or giving up my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was a victim of identity theft, an account was opened with XXXX XXXX XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( XXXX ) is noncompliance.
Product: Checking or savings account

Wells Fargo charged a " Cash transaction fee '' of {$4.00} for a tenant of mine paying rent with cash. 
This is the 2nd time this has happened. I recently filed a complaint for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus did not complete a full investigation. Did not removed errors off credit reports.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my Experian and XXXX report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both XXXX and Experian yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my report.
Product: Debt collection

Jefferson Capital System reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Jefferson Capital System to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Jefferson Capital System to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX  XXXX  In addition Jefferson Capital System or it's subsidiaries are not to contact me in any form about this account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My wallet was lost at a convenient store someone ended up turning it in. So I stopped by and grabbed it on my way home went to sleep woke up to my account being drained. When i seen thin i checked my wallet and my debt card along with my pin was stolen. I immediately called Chime started a dispute. Since then i keep getting the run around by them laughed at ans mocked daily. I have sent them everything they have asked for and then some. They will denie it but reopen it again and again
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information listed on my credit report that does not belong to me. I have disputed this information with the company and creditors with no results. I am receiving alerts and information, phone calls threatening my taxes & paychecks etc. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also the following address are incorrect and I have submitted the correct information XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX al XXXX, XXXX XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX la XXXX The following inquires are listed as well XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

Renasant bank closed my account without cause or contractual authority. I am in receipt of your erroneous letter claiming you are utilizing contractual authority to close my account. We did not sign or agree to the text you quoted in the letter. Your misconduct to bluntly send me a template of a letter to close a CFPB complaint is unethical and unprofessional. 

All calls to myself or my family will be recorded without notice pursuant to GA wiretap laws ( One party consent state ). 

I formally reject your previous letter as reasoning for closing this complaint and condemn you for accusing me of having such a fake agreement with your bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm I was getting charged for certain things that are not authorize without my knowledge. 

I'm getting charged for credit cards that are closed.
Product: Debt collection

Someone came to my home and served me with a " summons '' about a debt. When served a summons, the documents are supposed to be handed to the right party from my understanding, but these documents were handed to my roommate ( 3rd party ). Also, according to the FDCPA, sending documents that imitate actual court documents is in direct violation of debt collecting tactics. I 've checked my local courts for this case and nothing has shown up with my name and this may cause me to take legal action if necessary. 

I 'm not sure where this debt has come from, I thought it may have been something from college, but for the next year, my payments have been deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction and growing frustration with Equifax 's continued disregard for accuracy and completeness in reporting information on my consumer reports. Specifically, I have discovered multiple inaccuracies and incomplete information pertaining to my XXXX account, particularly concerning the reporting of payment history, the duration of delinquency, and the associated dates of delinquency. 

This ongoing and unrelenting misinformation directly contravenes established federal statutes, including but not limited to 15 USC 1681e ( b ), FCRA Section 807-8, and FCRA 623-B. Moreover, it amounts to a blatant act of defamation, casting an unwarranted shadow on my creditworthiness and financial standing. 

I hereby demand the XXXX account be promptly DELETED from my consumer report. Failure to act upon this demand in a swift and satisfactory manner will lead to legal action. 

Please be informed that my resolve in this matter is resolute. I am prepared to pursue all available legal avenues to secure my rights and demand the justice that I am entitled to. The repercussions of Equifax 's noncompliance will be grave and costly, with each violation inviting a legal claim of no less than {$1000.00}. 

In light of the above, I ask that the CFPB step in to bring immediate attention to this pressing matter. The ball is now firmly in Equifax 's court to demonstrate its commitment to adhering to the law and providing accurate information to its consumers. Time is of the essence, and your timely response is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.