23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that was originally owed to XXXX XXXX and was from a debt that is substantially past the statute of limitations in my state ( from XXXX ). The amount they claim is due is {$160.00}. I never received ANY communication from them by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond. After a phone call from my husband ( I have never spoken with them in any form, and I never gave them permission to speak with my husband on my behalf, although I did hear some of the conversation, since I was in the room when he called ), they mailed me a letter ( attached ) dated XX/XX/XXXX which stated I have 30 days to dispute the debt ( a " dunning letter '' I believe ). Ironically, the dunning letter states " Your Response is Requested. '' I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. They also sent a " debt verification '' letter ( attached ) dated XX/XX/XXXX with a computer printout from XXXX XXXX from XXXX. Ironically their Dunning Letter states : " The records of XXXX XXXX show that your balance of {$160.00} is due in full. '' However, the debt verification printout from XXXX that they provided shows a XXXX balance ( attached ). When they spoke with my husband, he SPECIFICALLY asked them who owned this debt. They claimed XXXX owned the debt, and they were collecting on behalf of XXXX. Upon calling XXXX directly, I learned that they ( XXXX ) had sold the debt. XXXX would not give me the date ( which the do n't have to, but the debt collector is supposed to if asked ). Upon receiving their " Dunning Letter '' and " Verification Letter '', I also immediately noticed that the first name on the account was not my legal name, but a nickname. I highly doubt I ever opened an account using a nickname, which begs the question how it ended up on my credit reports at all. This company apparently has a reputation for bad business practices ( according to a number of sources ). I have SPOTLESS credit, and I do not avoid paying legitimate debts when they are presented. But parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. I did send them a validation of debt request letter ( attached ) which they signed for onXX/XX/XXXX. They also claim on my credit reports that the debt was reported on XX/XX/XXXX. I can prove this debt was not reported to any of the credit reporting agencies as ofXX/XX/XXXX. It started reporting on XX/XX/XXXX, the day I received the credit monitoring notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was involved in class action suit for security breach of personal account information and Equifax was to provide all those affected free credit monitoring service in accordance with the class action settlement. I still do not have free monitoring on my account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to all three credit bureaus, XXXX, Equifax, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could Include filling complaints with the consumer ( FTC ), as well as pursuing other remedies to protect my rights. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Debt collection

Sallie Mae is the company that is constantly calling. I asked to be put on the do not call/contact list or registry because I did not want contact and the company said they would not respect it. There are so many calls and phone numbers used that I could not list them all at this point. I receive 2-5 calls most days. The company uses several numbers and uses new numbers when I block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Trans Union dropped my credit score by XXXX points and refused to tell me why unless I paid them for it. No other credit reporting company has dropped my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern/ XXXX XXXX (CEO and President)



I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act (FCRA). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of alleged identity theft.

CHASE- XXXX XXXX 
ACC# XXXX
Reason: Identity Theft

I am hereby notifying that you are inaccurately and falsely reporting the above account  which constitutes violations of the Act and of my demand that you remedy such violation within five (04) calendar days from your receipt of this complaint. 

This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act (hereinafter referred to as “FCRA”), “Civil liability for willful noncompliance.” Your company may be liable for:


-	Any actual damages I sustain due to your failure to delete this item;
-	Cost of court action in order to have the item deleted;
-	Punitive damages as the court may allow; 


XXXX v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX over the consumer?
Product: Credit reporting or other personal consumer reports

I have received my credit report from XXXX, Equifax and XXXX. I have contacted XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX numerous times and even disputed it with the Credit Bureau. I am requesting a Goodwill Adjustment to remove the late payment ( s ). 

Unfortunately, I am a single mother  of XXXX daughters and we lost there father a couple years ago. Since I have done my best to be the best I can be. My middle daughter has XXXX XXXX XXXX and an XXXX XXXX which cause XXXX XXXX XXXX XXXX There have a been a few mishaps with having to mis work or even loosing my XXXX job as a result of providing care for my daughter during these XXXX XXXX causing a lateness in payment to my bills. However all three credit cards are now current with under 20 % utilization.
Product: Credit reporting or other personal consumer reports

I have attempted to create/manage my credit reporting account with equifax for the past 6 months. I have contacted the company via their online website, over in person phone call, and their automated phone service. I consistently get rejected by all parties with no information or recourse to address the issue. I have repeatedly supplied accurate information to identify myself and have been unable to make progress.y information was compromised on the dark web and within minutes I was able to place freezes with the other credit bureaus however I have not been able to with equifax. The options for remediation include sending the exact information I have already provided and do not include any indication that I will be able to manage my account except via mail. This is unacceptable. I need to have access to my credit reports and to be able to freeze my account at will. It is ridiculous. Not to mention, it is clear that their business practices are predatory and purposefully make accessing and viewing your own information next to impossible. This is clear considering the ease at which I was able to access my information from XXXX  and transunion
Product: Checking or savings account

I found two unsigned checks during moving ( one is {$1.00} and the other is {$600.00} ). Since I forgot whether they were deposited or not, I decide to deposit them to my Chase checking account, ( where I usually deposit checks and the bank should save the information of my past transactions ), and let the bank tell me if they were deposited or not. 

However, I was charged by {$24.00} fee several days later ( {$12.00} for each check ). I was so shocked since the fees are imposed by the bank for nothing! While my balance increased temporarily after my scanning the two checks via Chase app, I did not use or move the money. Further, fees were deduced for a stale check that was not deposited before. During the whole process, the bank did not incur any loss but still charged me by directly deducting my account. 

I tried to resolve the issue by calling Chase customer service and visiting the local branch, but was told they could not do anything. I have been an active Chase customer for 8 years, and I am really disappointed with the deterioration in the bank service recently. We customers have to to sign voluminous agreements when opening an account, but it doesnt mean the bank has the right to charge customers at discretion, or we customers have to the accept those unreasonable charges. 

While it is a small money, for a multinational bank like Chase, a few dollars for each account can be aggregated to be a considerable number! Hope CFPB could help look into the issue! Look forward to hearing from you!
Product: Vehicle loan or lease

I am disputing and arguing the late payments that are being reported with this account on my credit report. I am really good at keeping track of my records and my credit has been perfect with the exception of these late payments that are falsely being reported. 

There is no way that I was 30 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. How can I have been late 5 times?
Product: Credit reporting, credit repair services, or other personal consumer reports

nelnetXXXXXXXX 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 va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va 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 department of public utilities  XXXX XXXX XXXX  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my TDA account*
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a follow suit letter to Experian and XXXX about the XXXX XXXX XXXX collection because XXXX removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Product: Debt collection

My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX  XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX  XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a company reported on my credit report as an account open on XX/XX/XXXX, a last payment date of XX/XX/XXXX and last reported XX/XX/XXXX. The company shows as XXXX XXXX XXXX. I looked into this and I seems to be from a closed university named XXXX University. If this was my loan, XXXX I have no knowledge of it XXXX the school is closed XXXX I have filed bankruptcy and the school I was aware of was notified of the bankruptcy and either they never responded for a claim or they were included. The statute of limitations has expired and this should not be reporting, I filed bankruptcy and included the school I went to and I have no knowledge of any account that money was owed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WESTLAKE SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Today, XX/XX/2023, I attempted to withdraw {$80.00} from my CHIME debit account using a local atm I have used many times in XXXX Colorado. I received an error I was unfamiliar with that said transaction not authorized. This was not a declined error as Ive had that happen before and needed to move funds. I checked my Chime banking app and there was no record of a withdrawal or a declined transaction. I went to another atm down the street, same issue, same error. Transaction not authorized. Additionally, other people came up to the various machines i tried and used them, no problem withdrawing money. I can not figure out whats going on. Nothing in the app : No withdrawal, No errors. I check to make sure I have transactions enabled, I do. Everything is fine and I have more than enough funds in that account to cover an {$80.00} withdrawal ( ~ {$700.00} in funds ). I call chime and the agent is less than helpful. He just keeps repeating himself that there is nothing wrong on their end even though he spent no time looking into it. He then mutes the call and ignores me a solid minute before hanging up on me. I call again and get a similar experience without the hang up. They just repeat and repeat the same script that nothing is wrong on their end despite not looking into it at all.

Im unable to withdraw from a fourth ATM now. 
I decide to put it to rest for the day so I head home. I pass by a XXXX XXXX and decide to try once more to withdraw money. Im able to do so no problem. This atm was in a different part of the city and was XXXX XXXX branded. 
I dont know what is going on here but there is something happening with chime and allowing me to withdraw cash. Id say its the atms but there were other people using them no problem. Chime seemed to me very defensive and dismissive of this severe issue of me being unable to access my funds. I have not had an opportunity to try these atms again but Ive used them many times without issue. Ill be switching banks due to the apathy of chime but I do believe this should be looked into.
Product: Vehicle loan or lease

I leased a XXXX XXXX  from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.