23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection agency Security Credit Services Last reported XX/XX/2022 Account status last reported as Opened XX/XX/2022 This collection agency is reporting this account incorrectly. This account is being reported as open. A collection by default is late, therefore there should be no balance, past due or otherwise on this account. This company can not produce the trilateral contract that I have with them. The debt has already been brought. I have filed a dispute due to this collection agency reporting on this account incorrectly. Commerce law 15 usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I'm unsure about the reason, but I can confirm that this inquiry wasn't authorized by me and was carried out by the creditor without my consent! Immediate removal is indispensable.
Product: Checking or savings account

I have been trying to close my late fathers account with Citizens Bank for weeks and their branch personnel have no idea what to do and their support personnel that they call either don't pick up the phone, don't help, or take days to respond. I have made 5 trips the bank. Three times they either come up with a new form I they didn't know about before or they can not proceed because they do not have access to competent personnel. I have every legal document needs - death certificate, probated sill, tax forms. Citizens is not training their people nor are they providing adequate support experts to conduct daily business. Citizens Bank 's incompetence is resulting in withholding of funds that I have every legal right to. They are also causing late payment and returned payment fees because they can not process this account. I have also had to call their technical support three times to gain online access only to find out the started a new platform and it simply " wasn't working ''.
Product: Checking or savings account

Re : XXXX, account ending XXXX I opened an online checking account with Citibank. 
Citbank froze my account to all access after I tried to purchase a money order at XXXX in XXXX, XXXX for $ XXXX XXXX weeks ago. I do not recall the precise date, as I am unable to do anything with my account. I did present my state id, and phone at XXXX which matches my account. 
I talked to XXXX agents after the account was locked, and they refused to unlock it. 
I provided my secret word, and gave my debit card information which was in my possession. They claimed my phone would not accept short code texts with a secret code. My phone network, phone, and programming were checked by senior tier XXXX technicians, and it was determined it was working fine I was told they would send a letter with a secret code. 
After nearly XXXX weeks, a XXXX from Citibank called me on XX/XX/XXXX,, and informed me that no letter was sent, but she would do it. 
I received the letter, and after giving the code to XXXX agents in the past week, they refuse to call me back, or unlock my account, after hours on the phone. 
The XXXX agents were quite rude, and acted in cadence, as I were a criminal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint regarding the unlawful reporting of a repossession on my credit report. This inaccurate and misleading information is causing significant harm to my financial standing, and I am requesting immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Details of the Dispute : Creditor/Reporting Entity : XXXX XXXX Account Number : XXXX Date of Alleged Repossession : XX/XX/year> Credit Reporting Agencies Affected : Experian, XXXX, XXXX, or all three Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( XXXX in XXXX of XXXX XXXX ) : I formally disputed the erroneous repossession with the credit reporting agencies, yet the furnisher has failed to conduct a proper investigation or remove the inaccurate information within the required timeframe. 
15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : The furnisher of this inaccurate repossession has reported false or misleading information to the credit bureaus, violating their duty to report only complete and accurate data. 

The furnisher has failed to correct or delete the inaccurate information after being notified of the dispute, violating the FCRA. 

Harm Caused : As a result of this unlawful reporting, I have suffered financial harm, including but not limited to : Denial of credit and financial opportunities Increased interest rates due to a lower XXXX XXXX Emotional distress from dealing with incorrect reporting and disputes
Product: Debt collection

I do not have an account nor contract with Mercantile. I was emailed today XX/XX/year> and was threatened regarding an account for an outstanding debt that I do not owe. I do not have a contract with this company and believe my data has been sold illegally and without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on DXX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXXXXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXXXXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 












XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited {$4000.00} cash to my Chase checking account at the ATM which is located at XXXX XXXX XXXX XXXX, XXXX CO XXXX about XXXX on XX/XX/2022. However, there was a malfunction with the ATM, the deposit process did not go through. It required me to call the customer service phone number on the ATMs screen in order to get the credit to my bank account without printing any receipt. I called customer service right after that, and they give me the claim reference number XXXX about the missing deposit. I have been calling Chase customer service back and forth, and they said the deposit will be shown in my bank account maximum is 10 days. I still have not seen any money from the deposit in my checking account. I called Chase customer service again and talked to the claim department manager. She informed me that they closed the claim because the investigation team could not locate the fund in the system. There was a problem which is why the ATM could not print out the receipt for me. I requested to reopen the claim and check on the footage at the ATM at the location and the timeline that has been mentioned above to prove that I was at the ATM depositing cash. They denied my request and told me to get law enforcement involved if I want to check the footage. I went to the XXXX police department in Colorado to ask for help, but they responded back to me that they are not authorized to do it because that was the ATM malfunction, not a crime. The bank was supposed to do it when investing my claim. {$4000.00} cash is not a XXXX, there was no way it can disappear like that. I hope CFPB can help me to get the money back and guide me what is the next step that I need to work on. I am looking forward to your response. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from WELLS FARGO DEALER SVC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO DEALER SVC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX, and XXXXXXXX   reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Charge-Off Deletion XXXX  Account # XXXX I am writing to formally request the removal of a charge-off notation from my credit report for the above-referenced account. When I initially reached out to XXXX regarding resolution of this debt, I was informed that the account had been sold and was directed to XXXX XXXX XXXX XXXX In accordance with this information, I contacted the collection agency and have since paid the outstanding balance on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit furnishers are required to report only accurate and complete information to credit reporting agencies. Since this account has been transferred to a third party and is no longer under your ownership, it is my understanding that XXXX no longer has a valid reason to continue reporting the charge-off. Maintaining an inaccurate or misleading charge-off on my credit file is in violation of FCRA guidelines. 

Given that the debt obligation has been fully satisfied with the collection agency, I kindly request that XXXX update my credit report by removing the charge-off. This adjustment would ensure compliance with federal law and accurately reflect the resolved status of the account. 

If this charge-off is not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for non-compliance with federal regulations.

I appreciate your prompt attention to this matter and request confirmation of your decision in writing. If further information is needed, please contact me at the information provided above. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Prepaid card

Throughout the course of the last 4 years I have received prepaid Visa Debit Cards as a bonus for purchases I have made. Because I live in XXXX and was unable to use these cards they expired. The total amounts are approximately {$300.00}. I tried contacting the issuer of the cards and was advised that they are unable to extend the expiry and that I was basically out of luck. I am respectfully requesting your assistance. 

Feel free to contact me so I can provide you with the necessary information. 

XXXX XXXX
Product: Debt collection

A collection showed up on my credit report. Prior to this I received no notice of a debt owed, explanation of what it is for your the dispute process. The amount was just added to a previous bill already with the same collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal detail that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Consumer Loan

RiseCredit forced a loan upon me, deposited the funds to my XXXX account, then reversed course the second they found out they were at fault. In so doing damaging my credit and credibility with my bank. I was a temporary resident of XXXX and become a full time resident at the time. Legally they were not allowed to complete this loan because XXXX does not permit those type entities to write business there. Im the victim here. The loan amount was for {$800.00}. Risecredit accelerated the withdrawal of these funds from my account and continued to take action against me. My bank has an open dispute regarding this matter already. I did all I could to preserve my credit and it still happened. The enterprise RiseCredit should have its charter to business in XXXX or any other state Rejected and removed. The pray on the elderly, XXXX, and less fortunate. The last XXXX of which I am. I am facing bankruptcy, Eviction all at the same time. I hope you can address this concern ASAP. The subpeopna of any documents from Them will have to be done by your legal department. My resources are very finite. I am risking being homeless as we speak. Family and friends some of have turned their back on my entirely and chose to look the other way. I have engaged in continuing my study for XXXX in the State of XXXX and will do everything in my power to both uphold and adhere to the law. My father put it best, do n't let these crooks get the better of you. And XXXX XXXX has many of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.
Product: Debt collection

I have been disputing this matter with XXXX XXXX, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with XXXX  XXXX on this matter with no third parties for I have tried much time to settle with XXXX  XXXX before it was sold to a third party.
Product: Debt collection

IQ Data International is reporting an account on behalf of XXXX in XXXX Georgia that was discharged in my bankruptcy ( File # XXXX ) that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. I never received any correspondence from this company and noticed it listed on my XXXX credit report when I pulled my file on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The CAPITAL ONE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. I was never late.
Product: Credit card

XXXX purchase XXXX XXXX. 
Seller listed ships from California - Seller address is XXXX XXXX XXXX No communication from seller USPS tracking number updated XX/XX/XXXX. 
-tracking number shows shipped XX/XX/XXXX, delivered XX/XX/XXXX. Shipped from local city??? XXXX- this guy lives in XXXX and listed California as ships from. 
Did not receive package. 
Contacted seller No response from seller Opened dispute with XXXX. 
XXXX quickly closed the dispute b.c tracking number provided - 1st automatic due to tracking number uploaded by seller Opened an appeal through XXXX- quickly closed with ligthning response from seller *uploading the tracking number only. 
XXXX- closed the appeal in sellers favor due to " tracking number '' Checked USPS office - provided tracking number and asked where this went. Provided XXXX XXXX XXXX XXXX XXXX TN XXXX. THIS IS NOT MY ADDRESS! 
Started dispute with Paypal XXXX Mastercard *lightning response by seller providing only the tracking number. I already provided the wrong address information. 
*Paypal denies the dispute because of the tracking number. 

This is unacceptable. This is a predatory seller and I have not been protected as the buyer by XXXX or Paypal.
Product: Credit card or prepaid card

XXXX  credit card, Comenity bank. I called to close the account on XXXX/XXXX/22. I paid off the less than {$10.00} balance at the same time, meaning the account should have been completely closed. That was over a month ago, and the card still shows active on the company 's website. It still shows a credit limit and an available credit amount. It also shows a XXXX credit because they overcharged me when I paid off the card. I've since called back twice to again demand they close the account. Each time, they refuse to let me speak with a supervisor and assure me the account is closed. They ignore my questions about why the website shows the card is still open. I'm still getting " your statement is ready '' emails. Out of curiosity, I clicked on the " request a credit limit increase '' on the site, to see if *that* would show the card closed, but it actually says I currently have an active request for a credit increase. I closed the card because this bank is sneaky about when and how it posts things like finance charges, manipulating things so they can add late fees ( they post the finance charge to the account *after* you pay the balance off, so you have a {$1.00} balance you didn't know about then they hit you with a late fee the next month on that {$1.00} balance you didn't know you had. ) I can't keep checking this card every month just in case they sneak a charge onto it that will cause me fees and hurt my credit. I need them to actually close this account -- they can not legally force a person to keep a credit card with a zero balance open.
Product: Student loan

I have spoken to several times with Navient over the nature of these loans. After a previous complaint, I was told that after further investigation, I did in fact meet the requirements for a discharge application. I was emailed an application and sent my application in within XXXX business day of receiving it. I also supplied an Executive Summary issued from the Department of Education that outlined the misconduct practices which my school engaged in. I also provided proof of my loans being discharged from the federal government due to the misconduct of my school. I received a denial of my discharge from Navient due to not " meeting the requirements for discharge based on misconduct by my school ''. I was given no further information about what the criteria was that they were looking for or what specific criteria I did not meet. I do not understand how I have Department of Education findings, based on evidence provided by attorney generals, does not substantiate that my school engaged in misconduct. In addition, Navient was previously XXXX XXXX which engaged in unsavory practices with XXXX XXXX XXXX, which is who originally owned my loans before transferring them to Navient. I can not get further detail as to why my discharge was not approved. Based on president of the school, the Department of Educations Findings, and previous class action lawsuits against Navient, my discharge should have been approved. I would like to settle this without the need for legal proceedings. I have also contacted my state Attorney General about this process which has a severe lack of transparency and honesty.
Product: Credit card

I filed a complaint with the Bureau about BOA credit card services ( Case # XXXX ). I am writing to express my deep dissatisfaction and frustration regarding the handling of my recent claim by a BOA representative named XXXX. 

XXXX from BOA reached out to me regarding my claim, assuring me not to worry about the interests incurred during the investigation. However, to my dismay, I have been charged at least {$130.00} by BOA, and I am concerned about additional charges that may have accrued during this month. Despite my multiple attempts to contact BOA through emails and calls, I have not received any response. 

The involvement of the Bureau has, unfortunately, had a negative impact on my case. The interests incurred have not been addressed as promised by XXXX, and it seems that BOA is prioritizing support for the vendor that went bankrupt over a loyal customer of over 30 years. 

I urge you to thoroughly investigate this claim and take immediate action to reverse the interest charges. It is disheartening to see such a lack of responsiveness from BOA, especially when dealing with a matter that directly affects a long-standing customer. I request your prompt attention to this issue so that I can proceed with closing all my BOA accounts. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Payday loan, title loan, or personal loan

I have tried several times by email to contact customer service, my mother is XXXX she is the customer-I was looking at her contract and it states that they charged her over {$5000.00} in finance charges for a loan she barrowed {$2500.00}. After I read her the loan terms she freaked out because they collected over {$2900.00} since XX/XX/19 and only {$300.00} went towards her principal. I believe this is wrong and can there be something done? Again my mother is over XXXX years old and XXXX.