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

CHASE Bank ( Whom I have no accounts with ) is continually sending me debit cards for new checking accounts being opened in my name repeatedly with almost all of my information except a proper email address which is the fraudster 's. 

I filed a police report locally with the 3 new checking account 3 's initially. Chase Bank thanked me for my help and cooperation and said they would flag my name to keep it from happening again.

Now my wife tells me I have a 4th debit card just sent to the house in my name again.

And Chase is beginning to inquire about why I am not replenishing the negative accounts for money in the realm of $ XXXX in some accounts. 

I imagine someone is making over {$100000.00} a year easily if they are doing this too many others.
Product: Debt collection

I sent this letter to Collection Service O and 40 days later I never received a response. 
This account is not mine, this is a fraudulent charge on my account that needs to be removes. 
I disputed this with XXXX XXXX 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. 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. 

XX/XX/2022 Collection Service OF Athens XXXX XXXX XXXX XXXX GA XXXX To whom this may concern Your company said I allegedly owe you money I will PAY under one condition if you can provide. 
1. Validation of the debt-that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


Kind Regards XXXX XXXX
Product: Debt collection

I received a letter yesterday about a fabricated debt. Never had any dealings with the company that was indicated in the letter ( XXXX XXXX XXXX XXXX ). Called the number on the letter at XXXX XXXX/XXXX/22 and XXXX answered the phone. I told her that the debt of {$190.00} does not belong to me and gave her the reference number on the letter and my name. She then tried to obtain additional information from me, and I told her that I will not be providing any information outside of what is indicated in the letter. XXXX XXXX response to that was " Call us when you are ready to provide the information that we need '', she then hung up on me. 

I find it ironic that I have to spend any time dealing with this fabricated debt, but was compelled to XXXX the company that allegedly created the claim and the collector... and was surprised to discover that I am not the only victim. I think a government intervention is necessary here to stop this abuse. 

I do not trust the debt collector ( Linebarger Goggan Blair & Sampson, LLP ) and the company making the claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax To Whom It May Concern : This letter serves as a final warning regarding violations of federal law and Equifaxs arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Equifax continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of two paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX - Multiple unauthorized hard inquiries without my consent In addition to these violations, the recent Equifax data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Equifax arbitration agreement clauses and constitute negligent security practices under the FCRA. 



Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX is paid in full.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA .

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW 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 Thank you for your time and attention to this matter. 

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX account opened XX/XX/2018 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My Social was compromised about 14 years ago to this date I still monitor for suspicious activities, I recently started going for a Home and Noticed several things inaccurate reporting I asked the collectors and pertaining agencies to verify and validate this accounts with contracts signature and other methods, XXXX one of the mayor reporting agencies also failed to provide such methods, resurgent was given 30 days to provide such validation and failed to do so, 60 days later called and asked for my address in order to mail some pointless paperwork asking me for fraud reporting, in addition XXXX another creditor emailed me as accounted deleted but XXXX refuse to accept my email with horrible business model.
Product: Debt collection

I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Comenity Capital Bank, doing business under the name " Bread Savings '' or " Bread Financial '' is not posting the correct amount of interest to my Certificate of Deposit. I opened a XXXX CD on XX/XX/2022, with a deposit of {$100000.00}. As a certificate of deposit, the interest should compound, such that periodic interest payments are added to the principal and subsequent interest is calculated on the new, higher principal balance. Consequently, the interest amount posted to my account should be increasing by the month. But XXXX is not compounding my interest. Instead, the monthly interest actually drops some months. Specifically, the interest posted at the end of XXXX, XXXX, XXXX, XXXX and XX/XX/2022, respectively, was {$200.00}, {$210.00}, {$200.00}, {$210.00}, and {$200.00}. So the interest posted in XXXX interest was lower than XXXX, XXXX, and even XXXX! I am earning less on this deceptive, falsely-advertised deposit product than I would be in a properly-compounding liquid savings account with the same rate. 

I called XXXX to point out this banking error. The customer service representative could not discern the obvious lack of compounding, and said someone else would research it. XXXX has still not corrected the interest on my account. This XXXX CD  is a fraud.
Product: Checking or savings account

Dear Sirs, I have over the past week had significant problems accessing my money from Chase. 

They locked my online account and cancelled a wire transfer with no notice, and no attempt to contact me. I have called their callcentre repeatedly and spent between 2-3 hours on hold - been transferred to the wrong person and subsequently disconnected. This has happened 2 or three times. I have also gone to a chase branch XXXX XXXX XXXX XXXX, XXXX, Texas XXXX and spoke to a private banker there. They had taken copies of ID - I waited in branch while he stayed on hold on the phone for around 2 hours .... he said leave it with him and he would speak to them and have the account unlocked. He emailed me confirming he had done so and it is still not unlocked. Ive wasted aproximately 2.5 full days of my time between visiting the branch and being on hold and the matter is still not resolved. I do appreciate that coronavirus makes matters very difficult but there absolutely must be better customer communication - its the fact ive been transferred to multiple representatives who are not being able to help and/or am getting disconnected that is making me extremely angry with the situation.
Product: Credit card

I was incapacitated from XX/XX/XXXX, XXXX XXXX, XXXX and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX PA. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with 2 FTC reports, a Police report, and proof that I was incapacitated yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( Totality Health $ XXXX Acct # XXXX ). They need to rectify this and remove ALL of the credit card balance from my charged off account.
Product: Mortgage

I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX/XXXX Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX   Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX/XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX/XXXX  Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Product: Debt collection

I was not notified or verified in accordance with debt via XXXX XXXX. I have no signed anything allowing debt being sold or moved. Halsted Financial services say I owe {$810.00}. I do not know where this number came from. The earliest email I have found says XXXX 2022 from a completely different creditor XXXX XXXX XXXX stating the exact same balance. In accordance with the fair credit reporting act ; XXXX XXXX XXXX and XXXX XXXXXXXX XXXX has violated my rights. 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. I want the debt to be cleared from my name and not affect my credit score. This has weighed down my credit for far too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Mortgage

I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied. 

XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem. 

XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received. 

XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone. 

XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse. 

I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be. 

There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues. 

We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.
Product: Debt collection

I receive a letter from A.R.C Accounts Recovery ( U.S.A. ) Corporation LLC dated XX/XX/2018 claiming that I owe the XXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX XXXX ). I have been in the US for 15 years and have never done business with the XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had the DOI provide a student loan payment early XXXX for XXXX dollars. This amount was seen on my LES and I paid taxes on. I had spoken to a representative in XXXX for correct info on where to send payment. Late XXXX, I received into from DOI that there payment was returned. I contacted Nelnet, got someone who did not really know process of getting payment from a government agency of all places that they couldn't process. She got with another department and the info on how my check was sent by DOI was right. The only solution they gave was to send it again. She also asked if I could get the check from the Government and deposit it and pay it online, she knows this is not an option. My agency will try but my money is just floating around. Now I'm paying interest on loan amounts that should have been paid. I could not get an answer from Nelnet.
Product: Checking or savings account

I am troubled and upset by recent actions taken by Bank of America 's subsidiary Merrill Lynch. The first was a XX/XX/2021 email notice from Merrill Lynch under the subject, Action Needed : Please call us as soon as possible to confirm or update your Merrill Lynch Account Information. Warry that the telephone number could lead to risk of fraud, I logged in to my Merrill Lynch account. 

I was astounded an upset that I was forced to update my account before actually being able to enter the account. Proceeding through the long laundry list of information that I was forced to supply in order to get past the update roadblock I grew more and more upset by the information being asked for. None of the information required was essential or beneficial to my interaction with Merrill Lynch. All of the information required is beneficial only to Merrill Lynch employees who might choose to use it to attempt to do more business with me or make more profit off of my account. 

Ive now wasted an hour of my time providing information that is in no way beneficial to me and can be used by Merrill Lynch and Bank of America in a way that is detrimental to me. This forced action by Merrill Lynch and Bank of America reminds me of the actions taken by XXXX XXXX XXXX  over a period of years that were not in their customers best interest. 

I no longer trust Merrill Lynch or Bank of America as I have in the past. This forced siphoning of information from me seems unethical and perhaps even illegal. 

I believe the Consumer Financial Protection Bureau should investigate this inappropriate and forced fishing expedition for information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : 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: Student loan

I was told by my university I had to take out XXXX XXXX loans in order to attend classes there- and I received these loans between XXXX and XXXX. Upon graduating, on the phone, Navient advised that I sign up for forbearance. At no time was income-based or income driven ever discussed as an option. Navient did not at any point explain that was an option for me. For over XXXX years, Navient has advised me to stay in forbearance, that no other options were available. Had Navient given me correct information, I would have been making payments on my loans for XXXX years already, and I wouldve been over halfway done to the 20 year income-based forgiveness program. Navient has stolen that opportunity away from me. Now, I only began making payments in XXXX. When my loans were taken out in XXXX to XXXX! 

Apparently Im not included in the Navient lawsuit, because I never defaulted. But, how can I default on a loan when Navient has made sure that I stayed in forbearance? For over 8 years!