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

I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX on behalf of the original creditor, XXXX, on my credit reports with XXXX, XXXX, and TransUnion. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue 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 
XX/XX/XXXX : The balance was reported as {$360.00} past due. 
Dispute Letters Sent : Date : On XX/XX/XXXX, I sent a dispute letter to XXXX requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to XXXX, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to TransUnion with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( XXXX, XXXX, and TransUnion ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with XXXX, XXXX, and TransUnion. 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.
Product: Debt collection

Received a alerts from my credit report that I have a collection that was placed on there from XXXX XXXX XXXX for XXXX I filled bankruptcy last year and included XXXX I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It May Concern : This letter is regarding account # XXXX also accounts # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Checking or savings account

I am writing to express my deep dissatisfaction with a recent incident that occurred with my account. On XX/XX/2024, I discovered a transaction on my saving account statement dated the same day, indicating a withdrawal of - {$18000.00}. I did not receive any notification, alert, or confirmation about the issuance of this check, and I certainly did not provide any consent for such an action.
Product: Credit card or prepaid card

On XX/XX/20 at XXXX CT I received a text message from an unknown number stating it was a Fraud Alert for a suspicious charge on my Chase Sapphire Preferred Card. Since this alert came from a different number than the rest of my Chase Credit Card Alerts, I attempted to call customer service using the number on the back of my card to verify the legitimacy of this alert. However, every time I attempted to call, it would auto-route me to your fraud department, which was closed, and would not allow me the opportunity to connect to an actual person to confirm. I ended up replying to the text message stating that this wasn't me and I received an auto-response stating that my card was closed and I'd receive a new one. No additional information was provided and I still couldn't get through to anyone at Chase to tell me the timing of receiving a new card or what I should do for any pending transactions. I appreciate the proactive approach of detecting suspicious activity and understand that the fraud department temporarily reduced their hours because of COVID, however, it is extremely unfair, deceptive, and abusive to shut a card off and  provide no additional information or alternative, especially since no where on the website is it stated that they're operating on reduced hours and no additional information can be found anywhere. What if I was traveling abroad and the card would be shut off? I'd be stranded with no one to talk to and no way for paying for my travel accommodations. But apparently Chase doesn't care about that. If you're going to shut down the Fraud Department at XXXX ET, you need to provide an alternative solution for individuals who rely on their card. I had to call back numerous times and type in random numbers to bypass the automated system and get connected to a representative, who couldn't answer any of my questions since my account was blocked due to the suspected fraud activity. THIS IS UNACCEPTABLE. The poor response and horrible execution on this process has potentially lost Chase a customer, as I'm going to explore different credit cards, especially ones that care about their customers and don't conduct business in potentially illegal manners that violate consumer protection laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXXXXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
Product: Student loan

When I got my loan I read that my rate would be 3.99 because I would get a .25 % auto pay discount. I signed up but my statement never said 3.99 % always 4.24 %. So I cancelled auto pay. The I was clicking on the website and found the attached screenshot that said I should get the discount so I signed up again for several months and still every statement says 4.24 %. I want my agreed upon 3.99
Product: Debt collection

They are trying to collect on debt thats suppose to been deleted from my credit files in XXXX. Its still showing on my credit files which is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX Account/ XXXX XXXX  number : XXXX Thank you for your understanding and prompt action.
Product: Checking or savings account

I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, XXXX and TransUnion credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the 3 main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

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

Fraud credit card opened in my name with XXXX. Account was opened XX/XX/XXXXXXXX  and was closed XX/XX/XXXXXXXX  with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX  where paid and then never paid again. I have called Experian and they advised i call the XXXX overstock phone number and i filled a fraud dispute with them and they told me 60-90 days for a investigation.
Product: Credit reporting or other personal consumer reports

I wish to update my account information on all XXXX credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all XXXX reports with my only name. Now i am notifying online with my current information that includes new phone line and email address
Product: Credit card

We had a cash reward credit card with Bank of America as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with BoA is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly.
Product: Checking or savings account

My checking and savings account has been placed on fraud prevention. Since the beginning of the XX/XX/2023. My sister was out of the country she wanted to send me money I give her my account number Bank of America immediately send me alert if I authorized, I answer yes. Immediately they cancel my Debit card and closed my account. I have to called Bank of America so they can help me to open a new account. Ever since of the ordeal I have to call Bank of America if I want to check my balance, or my payroll check to be transfer to my new account. now always someone is charging my account. I don't recognize Bank of America has placed my account credit only status. I have to call a bank of America to transfer from saving to checking always be transferred to call to another. My question to Bank of America why they allowed transaction charge into my checking account without phone number or state where the charge is comments from???? 
Please help me with this issue
Product: Credit card or prepaid card

I have had autopay schedule for the years I have been with bank of america. I checked my account and noticed I was charged a late fee for no payment. I called to inform them that I had autopay scheduled and that it was in error, and they told me that it was my responsibility no matter and that the fee was valid even if the autopay did not work. I find this reprehensible and demand that they reimburse me the fee, and take off any negative comment from my credit score. XXXX, from Texas assisted me. The statement was paid off 2 days after the due date.
Product: Checking or savings account

XX/XX/year> I opened a checking account at fifth and third bank. The account was opened and I am expecting to receive direct deposit from the IRS into the new account. After one day of the account being opened I was not able to login to my account. I called the branch in XXXX Kentucky and the bank teller stated that the account had a hold from XXXX XXXX  and bank protection. I need the hold to be removed so I can access my funds. I want to access my funds, withdraw all funds from the account myself when I receive my banking card, I will close the account after. I did not authorize the bank to make decisions on my account without my consent.
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 XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX The accounts mentioned above 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 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, 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: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for XXXX the date of the inquiry states XX/XX/XXXX and the institution 's information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX  XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX  XXXX and the phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I asked Experian to provide documentation for the accounts they validated through certified mail tracking number is XXXX on XX/XX/XXXX Subject : Request for Documentation of Account Validation Dear Experian Consumer Relations, I am writing in reference to my recent inquiry regarding the validation of my accounts. I have been informed that my accounts have been validated on XX/XX/XXXX from you through mail ; however, I have not received any supporting documentation to confirm this validation. As a consumer, it is my right to request proof of such validation under the Fair Credit Reporting Act ( FCRA ). 

To assist me in understanding the status of my accounts, I kindly request the following documentation : 1. Any correspondence between Experian and the original creditors related to the validation of my accounts.

2. Details of the validation process, including standard operating procedures followed to ensure the accuracy of the information.

3. Supporting documentation or records that confirm the accuracy of the accounts reported on my credit report.

4. Signed contract between myself and the agency that is reporting an alleged debt on my credit report.

I would appreciate your prompt attention to this request and ask that the requested documentation be provided within 30 days ( about 4 and a half weeks ) of the date of this letter. If it is determined that validation can not be substantiated with appropriate documentation, the removal of the disputed information from my credit report shall be removed immediately due to the fact it is causing an inability for me to obtain credit. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( COMPANY ) ( ACCT # ) ( XX/XX/XXXX RESULTS ) ( Docs provided ) XXXXXXXX XXXX XXXX ( XXXX ) Updated NO XXXX XXXX  ( XXXX ) Remains NO XXXX XXXX XXXX ( XXXX ) Updated NO XXXX XXXX ( XXXX ) Verified and Updated NO XXXX XXXX XXXX ( XXXX ) Remains NO XXXX XXXX XXXX XXXX  XXXX ) Updated NO XXXX XXXX XXXX XXXX XXXX ) Verified and Updated NO XXXX ( XXXX ) Verified and Updated NO XXXX  ( XXXX ) Verified and Updated NO XXXX XXXX XXXX XXXX  ( XXXX ) Updated NO XXXX XXXXXXXX XXXX XXXX  ( XXXX ) Remains NO