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

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00} XXXX XXXX XXXX ( Original creditor : XXXX CA ) XXXX XXXX : {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EXPERIAN XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

Money was sent from my chase account and I never sent it when I reported they said theres nothing that could be done
Product: Credit card or prepaid card

I received a letter from Bank of America dated XX/XX/22 that stated that there was an application submitted with my information and they needed me to call to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank sent me an aggressive reply on this portal trying to verify their inaccurate reporting on my credit file Chase is attempting to validate charge offs with paid receipts from two PAID car loans through their company. On this date XX/XX/2018 Chase Bank is unwilling or unable to provide contracts bearing my signature obligating me to pay the amount theyre claiming.Attached is an FTC opinion letter in reference to what CHASE BANK is attempting to do. Chase is breaking the law and reporting inaccurate information. Help me obtain letters from Chase I requested contractually obligating me to pay the amount charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a investigation with XXXX, XXXX, and XXXX about my account with XXXX XXXX account ending in XXXX. As well as Mariners Finance, LLC. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Debt collection

Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the XXXX, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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

On XX/XX/XXXX my account was hacked and I got in touch with the bank to let them know what was going on for several weeks to tell them I was scammed by a loan company and I told them I would not hop my information out and I told them the last time I used my card I having a over draft because of the loan company the stole my money that was in there and the even put a fake check in my account and transferred money so Im left trying to get all my money that was in and the check that was deposited in my account from my job
Product: Debt collection

After reviewing my credit reports I noticed an alleged debt on my reports. I have contacted this company along with the credit bureaus to get the issue resolved and both parties have failed to cooperate with me. I have asked the companies to provide me with proof that this alleged debt belongs to me and they have failed to do so and just keep updating the account on my reports. I have made 3 attempts on resolving this issue with the company and bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022
Product: Checking or savings account

I had deposited a check to my Bank of America account it went through then I see that my account went XXXX and then I got an email regarding the check that it would either not work or I would refunded the XXXX into my account once it was looked at and verified I wake up this morning to check my account and I got a notification on my banking app that my account was locked I called and I was told that Bank of America took it upon themselves to completely deleted my account because of fraud I told them I didnt care anymore about the XXXX Im guessing that the check wasnt good which me and boss understand but after that i just told the representative from the bank that I wanted to have my account back because I have my family send me money and where I live I dont have a Bank of America close by Id have to drive XXXX XXXX to Bank of America keep in mind I dont drive and I dont have a car I dont even have family here in Ohio I just want to keep my account and have my debt card working they wouldnt even provide me with the reason as to why I wasnt notified by email nor have I had the help Im looking for
Product: Debt collection

New Era Asset management has been harassing me. They have been calling non-stop and harassing me and my " associates '' trying to find me. on XXXX I called them and asked why they were calling. They told me that it was because of some kind of money I owed to some other company. I requested them to send to my address the exact details of the money I supposedly owed and the original contract that I supposedly signed. Once I received that in the mail, I told them that I would then work with them if it was valid and resolve it. The debt that they mentioned is not listed on my credit report, and I am suspicious that this is money that I actually owe. I requested that they stop harassing me at work and that they stop calling my known " associates. '' Today on XX/XX/10 they called another known associate looking for me. I am again now requesting that they quit calling and harassing me. If they want to communicate with me they need to send the original documents of the " debt '' and who I owe. They are continually harassing me. They need to stop. I have already requested that they not communicate with me during XXXX and to send me what exactly I owe and the original documents in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Product: Debt collection

I was served a summons on XX/XX/year> by a XXXX XXXX at Rausch Strum law firm in Minnesota for a XXXX credit card debt. There is no case number but states it is a legal document filed at the South Dakota XXXX court. I called the XXXX clerk of courts and there is no case filed so I can't even file an answer to it. It also states that I will have a judgment against me if I don't respond. 
I allege that this violates the FDCPA in regards to I have no way to legally file an answer and it is threatening me with a judgment when there isn't even a legal case nor do they have the right to assume there would be a judgment since they are not guaranteed one if they do file a case. 

-The use of false representation or deceptive means to collect or attempt to collect ant debt or obtain information concerning a consumer. 
-The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
-The false representation or implication that documents are legal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX ACCT # XXXX The above account names has violated my rights 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate
Product: Student loan

XX/XX/XXXX {$19000.00} XX/XX/XXXX {$25000.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$20000.00} XX/XX/XXXX {$8900.00} I Couldn't afford the monthly payments to repay back my loans, delinquency happened because of job layoff, I've contacted them in finding better and cheaper payment plan options and yet still was payments i could not afford. student loan account were charged off or closed with no ways of making payments. I've made numerous attempts of contact in finding a resolution in making repayments that I was able to afford and they were not willing to work with me
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, my card was declined at a business I go to regularly for a purchase less than {$20.00}. I knew my credit available for the card was several thousand dollars and when I returned home, it was confirmed. I had over {$15000.00} available credit. I called the credit card company, Bank of America, to inquire about it. I was told a data breach " at a business I may shop at '' had occurred and they had sent out a replacement card to me on XX/XX/XXXX and should have received it by XX/XX/XXXX. That is a separate issue with BOA as they should have my current address. Anyway, when I inquired as to what business had the data breach, I was informed that because of privacy laws, they could not tell me. Is this true? Can a data breach occur at a business without letting consumers know that a data breach had occurred? There were no bad charges on my card and I used that credit card for purchases 11 times AFTER XX/XX/XXXX. As a consumer, this doesn't seem right that we are not allowed to know the name of a business we use has had a data breach.
Product: Credit card

My account with Synchrony Financial was closed in XXXX. I have continued to be charged late fees charged on going. The auto payment continues to fall off, Due date moved without notice. Unable to reach anyone because the account is closed. I have continued to pay on this closed account for the last three years. The balance is almost paid but each time I check the account, either the auto pay falls off due to the account being closed or the due date is moved. I am unable to contact anyone that can help me. I am only able to go back to YTD XXXX of XXXX. Since then, I have paid a total of {$630.00} dollars in payments and been charged {$360.00} in fees. The account balance on XX/XX/XXXX was {$890.00}. Without the fees, my account as of XX/XX/XXXX would be {$250.00} not the {$660.00} reflected. 
I appreciate your help in this matter. 

XXXX INTEREST CHARGE ON PURCHASES Posted {$18.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$21.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$20.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$23.00} XXXX LATE FEE Posted {$38.00} Interest INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$21.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$22.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00}
Product: Mortgage

There are 5 complaints in reference to Bank of America and the servicing of our Loan. Bank of America seems to have found a way to go around the system without answering Complaints. First they acknowledge the complaint is there. Then they tell CFPB we are going to send you a letter on how we will handle this situation. That never take place, but they do give you a telephone number to tell the customer to call this number XXXX ext. XXXX. Then they Close the complaint. Once it's Close you can't re-open it. 
So your situation never get resolve and Bank of America continue with there Bank Fraud!!! There excuse is we don't want to publish our resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/year>. After reading my contract and doing some research, i have learned that I was not required to put down a down payment due to me being able to purchase the vehicle on credit. 
( 15 U.S. Code 1605- Determination of finance charge ) .I put down a deposit of XXXX XXXX Dollars. However, looking at my contract, it states that I made an deposit of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which brings the total due for the car XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase amount in the window is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 1605, The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved.
Product: Debt collection

Denefits llc is reporting false payment activities to keep false debt active to my credit bureaus. This predatory company and its harassing phone calls are reporting false payments on XXXX, XXXX, XXXX, and XXXX of XXXX as current. Also, reporting as of XXXX of XXXX, a current payment status with no decrease in overall balance to this situation. They have refused to to provide any proof of payment activities, how they supposed received payment or any chain of title. This company is operating on a fraud basis outside of the law.
Product: Vehicle loan or lease

We have continues billing issues with Chrysler Capital since we opened the loan with them. But now the vehicle has been involved in an accident and considered a total loss. The insurance company XXXX XXXX XXXX has been paid off the loan amount at or around XX/XX/2020 and our online account with Chrysler Capital has been closed too. 
Due to the slow processing speed of Chrysler Capital on the insurance pay-off check which delayed the closure of the account, another automatic monthly payment of {$550.00} XXXX has been made to Chrysler Capital on top of the total payoff check from XXXX XXXX, meaning that Chrysler Capital owns us {$550.00} USD. 
We have requested Chrysler Capital multiple times to reimburse the {$550.00} USD but they have not responded to that request and they have shown a very non-cooperative attitude in this matter. 
Surprisingly, we also just received, without any previous notification, a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter dated XX/XX/2020. This letter states that Chrysler Capital accuses us of being in default of our contract and due to pay {$1100.00} before XX/XX/2020. Not paying will result in repossession of the vehicle and acceleration of the outstanding dept plus all accrued interest and other charges lawfully owing. The language is, as always with Chrysler Capital, very aggressive. 
Nevertheless, the vehicle is already paid off and owned by the insurance company XXXX, who posses the title send to them by Chrysler Capital, and it is Chrysler Capital that owns us an {$550.00} XXXX overpay which they refuse to credit. 
Several attempts to establish a normal and civilized communication to resolve this issue with Chrysler Capital have failed due to the incredibly incompetent and rude service representatives. They refuse to educate themselves in our case and simply threaten with sanctions. They also refuse to give us proper contact information to send statements to them so they can review the payments and conclude that Chrysler Capital is in default. Even the online statement indicates an overpayment although it shows an {$500.00} XXXX overpay which does not reflect the correct amount of {$550.00} XXXX that we paid. 
Requests to speak to a supervisor or XXXX have been answered by simply disconnecting the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a copy of my police report, driver license, identity theft affidavit to equifax ( certified mail XXXX XXXX XXXX XXXX XXXX ). Although they verified receipt of the mail via phone and returned receipt, the fraudulent accounts remain on my credit. The accounts are as follows : XXXX XXXX XXXX - XXXX Amount {$370.00} XXXX XXXX XXXX Account - XXXX Amount : {$71.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the way my previous attempts to remove fraudulent items from my credit report have been handled. I believe it is my right to have an accurate and error-free credit report, and I have made diligent efforts to address and rectify the fraudulent information that is negatively impacting my creditworthiness. 

I first discovered fraudulent items on my credit report when I obtained a copy from your agency. These items include [ list specific fraudulent items, such as unauthorized accounts, identity theft, etc. ], which I have never authorized or had any association with. It is crucial to note that these fraudulent entries have severely affected my credit score and have led to adverse financial consequences.

In accordance with the Fair Credit Reporting Act ( FCRA ), I promptly initiated a dispute with your agency, providing all the necessary documentation and evidence to prove that these items were indeed fraudulent. I expected a timely and thorough investigation into these disputes, with the ultimate goal of removing them from my credit report to restore its accuracy. 

However, despite my diligent efforts and the provision of supporting documentation, I have received no resolution or response from your agency within the XXXX investigation period mandated by the FCRA. This lack of response not only violates my rights as a consumer but also exacerbates the financial harm I am experiencing due to these fraudulent entries. 

Due to the lack of action on your part, I have had to escalate my disputes by sending multiple letters and documents related to the fraudulent items. Regrettably, my additional attempts have also been met with silence and inaction. This is unacceptable and undermines the integrity of the credit reporting system. 

I insist that you take immediate action to investigate and remove the fraudulent items from my credit report, as required by the FCRA. I also request that you provide me with a written response detailing the results of your investigation and the corrective measures taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to safeguard my rights as a consumer. 

I have enclosed copies of all relevant documentation, including police reports, identity theft affidavits, and any other evidence supporting my claims. I expect a thorough and swift resolution to this matter to restore the accuracy of my credit report. Kindly assist me to remove the following items : 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