23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around XX/XX/year> I noticed a letter in the mail from Portfolio Recovery Associates , LLC claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with Portfolio Recovery, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.
Product: Checking or savings account

Good Day, There has been opened fraudelent checking accounts under my name which resulted on my XXXX XXXX report to become XXXX 1 ) XXXX- Checking account 2 ) XXXX XXXX- Checking account 3 ) XXXX XXXX XXXX- Checking Account 4 ) XXXX XXXX - Checking Account 5 ) XXXX XXXX- Checking Account
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices.

As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit.

I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXXXXXX COLLECTION SERVICE/NEVADA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS FOR XXXX, XXXX  XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308
Product: Debt collection

this company is reporting a negative debt on my credit report i have prev sent in a req to provide the contact i signed and all they have provided is a statement with charges i do not have a contract with them
Product: Checking or savings account

On XX/XX/year>, an unauthorized XXXX debit of {$7500.00} was withdrawn from my Chase checking account by XXXX XXXX. I never authorized this transaction and did not give permission for my account to be charged. 

After noticing the unauthorized debit, I attempted to contact XXXX XXXX, but he has blocked my phone number, making it impossible to reach him. I immediately reported the issue to Chase, requesting a reversal of the transaction and a block on any future XXXX debits from this individual or any related entities. 

I am filing this complaint because : I did not authorize this ACH transaction. 
The merchant is avoiding contact, preventing me from resolving the issue. 
I want Chase to process a refund and ensure this person can not debit my account again. 
I request a full investigation into this matter and assistance in recovering my funds.
Product: Bank account or service

I accidently transferred funds from my bank account to a closed account with my old bank. Instead of sending the money back to my new bank, they found a different account that had my name on it and transferred the funds to it without telling me. When the funds were not returned, I tried to pull the money back and received fees from both banks. I then went to the bank, closed the account and pulled my money out. I left this bank because of their practices ( blocking my online access, charging me late fees and rolling it into my balance then applying interest on the late fees ) and I want to know if there is something I can do about it.
Product: Credit reporting or other personal consumer reports

please remove this negative account from my profile XXXX XXXX account number XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt for SunUp Financial. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate account on my credit report. To this day over 90 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. Equifax has violated my rights. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Credit reporting

I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared.
Product: Credit card or prepaid card

Chase Ink credit card for my small business that was opened in XX/XX/XXXX. Account fell behind on a monthly payment and Chase unilaterally suspended account and increased interest. As the authorized person on the business credit card account I reached an oral settlement agreement with Chase on XX/XX/XXXX, outlined in part in a letter sent from Chase to my office confirming outline of settlement agreement to my office. I made timely payments per the settlement agreement ; however, Chase did not update the account status and pay history as agreed to " settled '' for account status and current for pay histories for months of XX/XX/XXXX through XX/XX/XXXX. I only entered into the settlement agreement based on the understanding that Chase would perform these corrections for the credit reporting on the account so it would not negatively affect my business or personal credit opportunities going forward.

I attempted to correct these issues with Chase twice in XXXX and XX/XX/XXXX with no success. In anticipation of applying for home mortgage pre-qualification in XX/XX/XXXX, I again reached out to Chase requesting that it correct these incorrect derogatory credit reporting issues. Chase responded by updating the payment status to 90 days late, in breach of our settlement agreement and adversely lowering my credit score, and by updating the pay history to reflect Negative for the month of XX/XX/XXXX, as opposed to closed and current on payments as the account was per the settlement agreement and my performance of the same. 

I again reached out to Chase in XX/XX/XXXX by phone after an indication an application for a substantial business line of credit was preliminary denied specifically based on the incorrect credit reporting for this account that has still not been corrected by Chase. I I disputed the incorrect information through an online dispute process with XXXX, by phone, and have sent a certified letter and supporting documentation concerning why the reporting is incorrect and in violation of our prior settlement agreement. I have also requested account notes from Chase and have been informed I will not be given the account notes without enforceable legal process seeking such account notes.

Chase has confirmed we entered into a settlement agreement on XX/XX/XXXX, and I performed all my obligations per the agreement ; however, it persists that it can not report the account as paid as agreed from XX/XX/XXXX through XX/XX/XXXX and that even though its letter confirming the settlement agreement stated the account was closed in XXXX they continue to persist they can not report my account as paid as agreed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have attempted every method to amicably resolve this erroneous credit reporting short of litigation and this is my last effort to resolve this matter without litigating Chase 's failure to perform its obligations per our settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I reported identity theft fraud of the XXXX XXXX ACCT to the following credit bureaus : XXXX Transunion XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Unauthorized Accounts on Credit Report Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Experian regarding the presence of unauthorized accounts on my credit report. Upon reviewing my report, I discovered multiple accounts that I did not open and never authorized to be reported. Despite my attempts to dispute these inaccuracies directly with Experian, these accounts have not been removed, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).
Product: Credit card

FCRA 605B appears to require the elimination of any inaccurate accounts from my credit report. Can you please examine the documents? Some accounts are reported inaccurately, with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/2017 XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX. XX/XX/2017 XXXX/XXXX. XX/XX/2017 I never authorized these companies to obtain a copy of my credit report.
Product: Checking or savings account

I contacted Ally Bank customer service department several times in XXXX to update my contact information ; however, two separate debits of equal value totaling {$800.00} appeared on my account. I called to inquire further and was told that Ally sent a fraud alert via my phone. At which point, I informed the representative that I had not received said message, which prompted me to verify the number on file. In verifying the contact information, I found the number had still not been updated. 

I disputed the transaction, but was told at the conclusion of the review period that I would not be reimbursed the loss. I am writing to escalate this request. As the transaction was fraudulent causing an overwhelmingly devastating financial hardship
Product: Debt collection

Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

got in touch with them and made arrangements to pay off old account. never discussed XXXX XXXX XXXX because i dont owe it and made it clear i wasnt going to pay it. someone used my name for the account. since im paying on these other accounts they are lying and saying im 1 month delinquent with XXXX XXXX XXXX. this never happened!! trying to do whats right my credit score was XXXX now it has dropped 72 points because they added this old account that i have disputed a million times.
Product: Mortgage

I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. 
This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. 
Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. 
How are they allowed to keep doing this. Are they just trying to take my home? 
I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. 
Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong
Product: Debt collection

My credit report is showing that I owe {$780.00} from XX/XX/XXXX. I never had service with XXXX XXXX at all during that time nor the previous year. Also, they will not validate the debt. It was just thrown on my credit report with no prior notice. I tried to dispute the charge with no success. I contacted XXXX in early XX/XX/XXXX when I got an alert from XXXX that a collection has been added to my account and they instructed me to contact Credit Management LP because they do not have any information but the debt collection agency would not provide any details. Now it keeps reporting every week on my credit report like it is a new debt. My score has dropped from XXXX to a XXXX because of this
Product: Credit card or prepaid card

This card company constantly send emails and letters around the XXXX and XXXX offering to say you're pre-approved knowing these are the time people pay their bills to deny deny them. I constantly receive these which actually have hard inquiries and some do not and they and not solicited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
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: Credit reporting or other personal consumer reports

Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me XXXX for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a XXXX XXXX XXXX pursuing XXXX XXXX, I have sustained XXXX XXXX because I have been denied XXXX due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of XXXX XXXX in my XXXX XXXX. Roundpoint has violated both civil and criminal statutes in the State of California.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account opened with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

The fact I have to write this is XXXX 

Let me explain to you how the LAW works, you can not keep my money for services or items I bought which were not received or rendered. I ordered XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} You guys forgot my fries, I asked for my money back and you send me a credit instead. I did not ask for nor do I accept a credit, and not because of your XXXX XXXX  where you think this acceptable I am going to the CFPB and OCC to report you to my financial institution and I hope to god they put you on the " XXXX '' so people can just get instant wins on disputes. 

For freaking a XXXX XXXX XXXX  I have to go on the XXXX to complain and then report you to multiple financial institutions? 

Let 's go over this again, what your doing by not refunding me is violation the FTC Act and you are also collecting tax on this which is also illegal. I don't care what your policy is every single time my order gets messed up I will be refunded for missing or incorrect items and if you can not handle that from a single person so much so you have to try to break the law then know I am also not someone who accepts this from your company and I will be forwarding this to the FTC and State AG in your headquarters jurisdiction. Out of all the states to XXXX XXXX  and find out in I suggest you don't pick California if you want to operate your business like this.
Product: Credit reporting or other personal consumer reports

inquire keeps showing up on XXXX and dispute keeps getting denied.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries Equifax- XXXX XXXX XXXX XX/XX/2023, XX/XX/2023, XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023 The Fair Credit Reporting Act states that hard inquiries must be deleted if not verified.