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

It is almost another month passed by, this is still not resolved. 
We did receive a letter stating a {$7000.00} check is included but the check was not included. It is the letter only. We called the Fraud department again to ask them reissue the check, but they had no clue what was going- they stated that they would do some research and get back to us but 5 days passed by, and no one has got back to us. 

Our account that lost {$15000.00} is still in trouble and we could be charged interest because the account shows we own that amount. We opened another account and put a deposit on- it is our daily used primary account but the deposit takes 15 days to get money into the account which makes us no cards to use to have daily purchases. 

Our over withdrawal protection account is still locked with the account that has faud on so we can not have any withdrawal protection on our new account opened. 

Is citi bank this bad that could not solve the problem for 2 months?
Product: Debt collection

On XX/XX/XXXXXXXXXXXX XXXX XXXXXXXX  I sent a certified letter to National Credit Syst requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a lease from XX/XX/XXXX with my signature. 
2. **Evidence that they are legally authorized to collect this debt in Pennsylvania** XXXX such as proof of their licensure in the state. 

Despite this formal request, National Credit Syst has not provided any of the required documentation. I have not received any proof that I owe this debt in the amount of {$11000.00}, nor have they demonstrated their legal authority to collect in Pennsylvania. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

Hello, This is second complaint to the same issue as Wells Fargo closed time my complaint and now closed down my account without returning the funds to the original sender. Wells Fargo claimed that all 8 transactions my mother XXXX XXXX sent me from XXXX XXXX XXXX XXXX  ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all 8 transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only 7 of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I financed a vehicle with XXXX. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by XXXX and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from XXXX which now owns XXXX. I cashed the check then submitted a copy of the letter to XXXX and Experian. Experian dismissed my dispute because the letterhead says XXXX and not XXXX. They said I dont have a XXXX account on my report ( because its XXXX. ) XXXX closed my dispute without correcting my credit report. They said they are basing it off what information XXXX tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. XXXX ( XXXX ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe XXXX needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.
Product: Debt collection

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : XXXX. XXXX. The original signed agreement or contract that legally binds me to this debt. 
A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
XXXX. Copies of all account statements from the original creditor proving the balance you claim I owe. 
XXXX. A full accounting of all payments made, including dates, amounts, and how those payments were applied. 
XXXX. XXXX. XXXX. XXXX. The name and contact information of the original creditor. 
Proof that the debt is still within the statute of limitations. 
Proof that you are licensed to collect debt in my state. 
A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold. 
XXXX. The date of the original debt and when it became delinquent. 
XXXX. Proof that this debt has not been discharged in bankruptcy. 
XXXX. The original creditor 's explanation of why this debt is owed. 
XXXX. A copy of the last bill sent by the original creditor showing the exact amount. 
XXXX. Documentation verifying that I am the correct person responsible for this debt. 
XXXX. Proof that you or your company is legally authorized to collect this debt in my state. 
XXXX. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 
If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. 
I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX JPMCB Card Services made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at XXXX XXXX XXXX. The account was closed and charged off {$640.00}. XXXX has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. XXXX XXXX Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you XXXX! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!
Product: Checking or savings account

Chime Bank closed my account for no valid reason. I have my money with them and they have yet to reply to any of my emails. Whats worst? They cant be contacted by phone unless you have a bank account with them. I need help as my finances are now in an uproar.
Product: Credit reporting or other personal consumer reports

I sent experian a dispute of the acoustic t information for XXXX student loans which has been fully satisfied as of XX/XX/2023 and I sent them the letter directly from XXXX and they refused to update the balance from XXXX to XXXX. This greatly affects my debt to income ratio and although XXXX XXXX has already updated, exemption refuses to correct their reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report a collection " XXXX XXXX XXXX '' on my credit report which is 100 %, not my debt. 

I have sent them numerous letters in recent months and still, they have failed to even provide me once with any findings and documentation supporting the outcome of the investigation. 

under the FCRA they are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified that the debt is valid '' and that these items are being reported correctly Who verified these accounts? they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information relating to " XXXX XXXX XXXX '' Collection. 

IN FACT, I HAVE PROVIDED TO THE CREDIT REPORTING AGENCY ALL DOCUMENTATION WITH PROOF THAT IT IN FACT IS NOT MY DEBT. 
I have provided documents to show that I am a Florida resident since 2020. My drivers license, utility bills, as well as MY FLORIDA HOME LEASE AGREEMENT SHOWING THE EFFECTIVE DATE. 
Why would I be liable to pay somebody else 's Utility bills for their property while I am not even living in the same state? because I had rented the property previously long before?

Right now as of the past week, the Collection was not showing on my report because I filed another request and it got removed this month. however, it was already also removed before and then was reported again.

most recently I mailed the 3 major credit bureaus another letter demanding the validation documents of this collection that they said they verified.

Transunion responded to me that they verified that I have received goods or services and therefore they will keep it and it's valid.

But again, without providing me with any documentation or proof of what's backing that this is my valid debt. 

What goods have I received? I clearly sent them proof of my house rental contract of Florida, I have a Florida license, I sent them a XXXX  bill of my Utility bills paying in Florida for my house. 

So what exact goods or services have I received in a house that I had nothing to do with in NY? 

This is bizarre and it's highly damaging me. 

My credit report can proof that I never ever miss payments and have a 100 % on time payment history. 

Why would I be responsible to pay someone else 's house Utility bills in a State I had nothing to do with at the time. 

And still 8 months on my report, valid valid valid but not one single document has been provided to me that shows any agreement or contract I ever agreed or signed with this creditor/utility comapny.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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 LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My family is currently XXXX XXXX XXXX XXXX XXXX XXXX  and we were sent a late notice for one of our utilities ( trash ) from our house before we departed. 

When we received the debt collection notice it said if paid directly with the original debt holder that we could ignore the notice. 

So we paid the bill directly with the utility provider to make sure we were not incurring more debt ( it is a utility ). 

Despite paying the debt we keep receiving bills from the debt collector. Since we live overseas in a remote location we can't just send mail to dispute the debt and it takes us 1-2 months to receive mail. 

Finally after threatening negative credit reporting from the debt collector... we just paid the bill ( again ). I was worried about the negative credit reporting, so I paid the debt preemptively. 

We should not have to pay the bill twice.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was closed on XXXX. This account was already removed from my XXXX report! It is still showing on my transunion and XXXX report and affecting my credit.
Product: Money transfer, virtual currency, or money service

I have sent the money to someone however the money hasnt been received on their end and the amount has been deducted from my account. The app shows that the transaction is completed but they havent received the money. 
I would like to get my money back as the other party hasnt received it yet.
Product: Vehicle loan or lease

I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.
Product: Debt collection

Dear cpbp ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; " '' '' Effective XX/XX/2022, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports.XXXX XXXX XXXX  '' '' I was under the impression that there was new medical credit reporting law effective XX/XX/2022 that any medical bills less than < {$500.00} are not allowed to be reported on my credit report. Well, this is reporting on all the major credit reports. I demand that you remove this because it's in violation of consumer laws, and it's a HIPPA violation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card

This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 student loans with Nelnet. Nelnet is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Nelnet and wrote letters regrading the issue and they have yet to remove the 2 late payments from 2017 and 2019. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Nelnet written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate.

Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Nelnet any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Product: Checking or savings account

Wells Fargo froze and closed my account without notice. Then later I open the claim on a fraud report on transactions made on account, resulting with that account being closed without notice or ordered by self. 
This makes two accounts, frozen and closed within the last 2 years, this complaint is a violation of the terms of the contract agreement upon opening accounts. Please contact me at XXXX to discuss how I can proceed. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I finance a vehicle that caught fire twice. The first time was 2 months after i got the vehicle. They repoed my car after my credit was cleared.
Product: Credit card

JP Morgan Chase decided that they are no longer accepting XXXX XXXX XXXX XXXX XXXX ) services and/or Merchants on their Credit Cards XXXX Further below my complaint is the information provided from their FAQ page. 

The issue is that Chase has allowed these merchants and payments since inception of these plans and have now decided they want to change what they will allow. Giving roughly 30 days notice and forcing consumers to take action is inappropriate and unfair considering they have allowed these for years. 

Consider the situations where a consumer does not have an alternate method i.e. they do not have another credit card and/or can not get XXXX within 30 days for a myriad of reasons or the consumer does not have a debit card/account. These consumers will be forced to pay off their XXXX in full or incur huge fees from the XXXX companies. 

It's understandable why Chase does not want to allow these plans as they are direct competitors to their business but the fact that they have allowed them for years and just woke up to smell the roses is not the Consumers fault. 

XXXX XXXX XXXX XXXX  What is a XXXX XXXX plan? 

XXXX XXXX XXXX XXXX installment plans provide the ability to break up purchases into smaller payments instead of requiring customers to pay the full amount upon purchase. Some examples of external Buy Now Pay Later providers include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. 

Why Can't I use my Chase card for these? 

Buy Now Pay Later installment plans are a form of credit. Chase generally does not allow the use of your Chase credit card to pay for other credit products, and beginning XX/XX/year>, payments to external XXXX XXXX XXXX XXXX plans will not be supported. 

What should I do? 
If your Chase credit card is a payment method for any reoccurring external Buy Now Pay Later installment plans, please update the payment method with your XXXX XXXX XXXX XXXX provider to avoid any missed payments or late fees ( if applicable ). If your method of payment to a XXXX XXXX XXXX XXXX provider is by a Chase debit card or checking account, it will not be impacted by this change. 

... Etc.
Product: Checking or savings account

I tried to deposit {$460.00} cash into US bank atm located on XXXX XXXX XXXX XXXX, XXXX XXXX using a XXXX debit card at XXXX on XX/XX/24. The ATM took my money and gave me a receipt stating an error had occurred and it was not able to return my money. After contacting both XXXX and US bank they both told me that it was the other financial institutions responsibility. Spent over 5 hours on the phone and in the branch trying to resolve the issue. Nobody has helped me. Contacted the ATM vendor, who told me that it was on the bank ( US bank ) to reach out to them to resolve the issue.