23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA
Product: Bank account or service

Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.
Product: Debt collection

I received a call that stated they had an important message for me. The number didn't show up, it only stated " spam risk '' because I have a filter on my phone. I pressed # 1 and it took me to a live individual that questioned me about a collection from GE Money Bank. 

They noted the following : -The account was opened in XXXX ; and a {$150.00} payment was made in XXXX that kept it current -The correctly stated my current address, last four of social and date of birth -They advised it was about to be sent to litigation I advised I did not know what this was and that I just bought a house last year so if I had any collections, this would have shown up. I noted that the one red flag I did have, was resolved prior to me purchasing my house in XXXX of XXXX. 

I questioned what was it for and she said she wasn't sure, it was either a line of credit or a car loan. 

I said I don't know what this is and if it was an account of mine I am sure it was paid because I have worked to clear my credit. 

She said well you sound sincere and since I can't explain it, I am going to remove it. I am concerned because she had all of my personal information correct except my full social and I am not sure if they can still commit identity theft.
Product: Debt collection

The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX -Transunion XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

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

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX TX
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of any false accounts from my credit report, I believe. Could you check the documents for me? There are inaccuracies in the listed accounts, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Subject : Equifax Complaint Regarding Violation of 15 U.S. Code 1681a Dear Equifax LLC, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours.

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that Equifax has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively.

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies.

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.
Product: Debt collection

XXXX XXXX , XXXX Represented by Hameroff law Group XXXX as. 
Went to our bank XXXX XXXX and was allowed to take XXXX out of our savings account. 
We were never told about this. 
We only have our SSI coming in. 
The bank never told us about this either. 
It said they could never do this but they did. 
What can we do now? 
We have no other income.
Product: Checking or savings account

On XX/XX/XXXX18 I opened a Citibank savings account to take advantage of a bonus offer of {$500.00} if you deposit {$50000.00} and keep it in for 60 days. I believe the bonus was to be paid after 90 days. And for arcane reasons I was forced to open a checking account at the same time, but was never told I had to keep some money in it. I was told the {$50000.00} needed to be in the savings account, so that is where it went. I had no intention of using the checking account ( and ordered no checks ), so I left no money in there ( this is what Citibank later used as their reason for denying my {$500.00} bonus ). I had to wait until Citibank did their trial small ACH deposits into my outside bank in order to link the accounts and then make the {$50000.00} deposit, which occurred on XX/XX/XXXX18. The money stayed in until XX/XX/XXXX18 ( more than 60 days ), at which point I confirmed by phone that I was free and clear to take the money. At the 90 day point I called to ask why I had not received the bonus. They said that because I had kept no money in the CHECKING account for 90 days, they had automatically closed it, and by closing it without warning they were then justified in denying the bonus. At every step I would call in and ask if I was doing everything I needed to fulfill my obligations under this bonus offer. I never made a move without calling to be sure it was okay. I was never told I had to keep a tiny amount in the checking account just to keep it active. I even asked when I moved the money into the savings account from the checking if it was okay. Surely if they had just said " keep one dollar in there to keep it active ' I would have. I think Citibank intentionally does this just so they can deny promised bonuses. I believe this because of the attached document that shows endless numbers of other people who have had similar experiences at Citibank ( this is the XXXX 15-page blog post pdf file ). I filed several complaints with Citibank. They would open a case, then a few weeks later send me a letter denying my claim ( letters attached ). I have also attached my statements for the period in question.
Product: Credit card

Had my credit card from First Hawaiian Bank ( FHB ) XXXX years now. Never was delinquent on my accounts. Kept my owing balances low. Got a letter dated XX/XX/XXXX, letter is advising me First Hawaiian Bank-FHB is closing my accounts with no explanation within the letter. I called on XX/XX/XXXX asking Why? Spoke to XXXX XXXX Card Manager who said, First Hawaiian Bank is closing my cards due to : " Too many Disputes ''. XXXX XXXX went on to say that it is FHB right to close my accounts per Credit Card Agreement. In the letter it wants me to mail back my cards to : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX within XXXX week after receipt of this letter dated XX/XX/XXXX. I did Nothing wrong. I do not have too many disputes. In XX/XX/XXXX XXXX charged my account for XXXX then when I called to dispute I was told by FHB representative that XXXX also charged my account on XX/XX/XXXX too. So I told representative that I NEVER order Prime and my orders from XXXX is always charged with shipping in them. I told representative that to put a dispute for Both XX/XX/XXXX and XX/XX/XXXX on that same call. But that representative did not do that so when I got my XXXX statement I had to call again to make sure they dispute that XXXX.
Product: Mortgage

I had attempted to submit payments to this company several times through online bill payer, totalling XXXX different instances. I 'd even called to check the amounts being requested prior to making payments. Each time I 'd asked why my payments were returned an the reps were unable to advise me of why. I 'd requested to speak with a supervisor an the supervisor began to insult me stating that I had n't infact spoken with anyone and maybe I spoke with the automated system and believed I was speaking with an actual rep. I advised him of the many times I had spoken with reps an he told me he had no record of conversations nor payments. The supervisor then stated that my final payment would of been returned as the demand had now expired. I then called back to speak with my relationship manager to try an understand wgat exactly was going on however I was only transferred to a voicemail. I left a message and still no call was returned. I then called back a few days later and was transferred directly to the account manager. The account manager was rude, over talked me an when requested his supervisor, blind transferred me over to his voicemail. I left a message for the account managers supervisor who I have yet to receive a call back from. All I 've wanted to do is pay my account and bring it current so that I may keep my families home. This company has been awful, an just down right rude. The employees ar n't very knowledgeable. Not to mention there are no notes to the many detailed conversations nor payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Product: Debt collection

I first received a collection letter in XX/XX/XXXX in the amount of {$2600.00} from Resurgent Capital Services. Origination date with original creditor was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. I responded to this notice on XX/XX/XXXX, explaining that I as XXXX with the West Virginia XXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX, and, therefore, disputed the validity of the debt as I could not have incurred it. I requested that the company immediately cease and desist all contact and communication with me. In late XXXX of this year, I again received a second collection notice from the same company for the same creditor, same time frame in the same amount. I sent out a second cease and desist letter dated XX/XX/XXXX, again disputing the validity of the debt due to my XXXX. On XX/XX/XXXX, I received a third collection notice from this company ; same creditor, same time frame, same amount.
Product: Debt collection

as of XX/XX/2021 and today i am being charged XXXX for a public storage unit that was passed off to a debt collector. at the store they clearly stated there would be no contract binding me to further chargers or other responsibility other than that of having none of my things by said date that was paid for.
Product: Debt collection

To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were th goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court XXXX ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XXXX vehicle and when i returned the vehicle i did a walk around the vehicle with a company representative to show no damage to the vehicle. Later on i got a final bill that said i had XXXX bill do which showed XXXX in damage. I called to dispute it but they never sent me proof of anything. I eventually paid it anyway just because it was easier to do then to continue to fight it. i recently got a home loan and saw that the dealership listed my account as a paid charge off. This account was never charged off. I made my payments every month and even the final bill was paid in a timely manner. It is being misreported as a negative account when it was never a negative account. No payments missed and not a charge off. Please help me to get this removed from the credit bureaus as a negative. I have perfect credit and this bothers me especially since it never happened.
Product: Checking or savings account

My account got blocked with Citi Bank. I have called the customer service number many times yet I get no help. They say I need to go to the nearest branch. There are no branches in XXXX XXXXXXXX. I don't know what else to do to get my account unblocked. Citi bank is very unhelpful.
Product: Credit reporting or other personal consumer reports

I have contacted trans union multiple Times by telephone to request my free credit Report which they confirmed they will mail to Me my postal mail but this has never been received. 

Further they have removed my ability to Manage my security Freeze. 

My last CFPB complaint did not notify me of any response by email and was closed based on a deadline I was unaware of- but it was not resolved. 

I dont see how a company that has significant influence on ones ability to conduct financial transactions can simply not respond and not act when requested to do so. I see where they have been fined by CFPB - XXXX  should prevent them from doing business as they are incapable of Responding and performing the tasks that Federal law requires them to do. 

I am unable to detect fraud on my Transunion Credit Report because although they tell me repeatedly on the phone they will mail it they never do.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I filed a complaint with the CFPB concerning an account furnished by XXXXXXXX XXXX  This company was notified per CFPB Complaint ID XXXX that the accounts associated with them is being reported incompletely. The accounts are missing payment history information and in the place of those missing payment records, there are notations of ( ND ) " No Data ''. Per the Fair Credit Reporting Act accounts that are incomplete or can not be verified must be modified or removed from my consumer reports per 15 USC 1681i ( 5 ) ( a ) ( i ). I have already provided per the initial complaint my consumer disclosure report that is showing blatant missing payment history info. This company had been put on notice and they are now in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I don't care who owns this account, it is still being reported directly from XXXXXXXX XXXX  because they are still required to report the account as charged off. If they are still required to report the account as charged off, they are still fully responsible for the accuracy in the way it is being reported. FCRA still applies to you while it is still on my report. This account is hereby disputed for verifying an incomplete account. delete the accounts that you are reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that XXXX, XXXX, and Equifax do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. XXXX, XXXX, Equifax, and XXXX XXXX received a demand for validation from me. As of XXXX, XX/XX/XXXX they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXX. Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.
Product: Prepaid card

I purchased a {$60.00} American Express card just two days ago at my Local XXXX. I made the mistake in getting this one as opposed to the usual XXXX, but I figured, why not. This shouldn't be much of an issue. I tried then using it on XXXX XXXX XXXX, XXXX, etc, and all of my transactions have been declined. I am beyond frustrated because it seems theres other issues in regard to this as well online. 

This is XXXX  XXXX  stolen from my hard earned money, and not to mention, I'm being charged for every transaction even if it bounces back? There's a XXXX fee on my balance as well. 

please help me.
Product: Vehicle loan or lease

I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.