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

I have multiple accounts with chase. On XX/XX/year> Chase decided to " end there relationship '' with me but advised because of terms and conditions I signed while opening up account- they allegedly are not required to tell me why they ended my relationship. 

After being on the phone from XXXX XX/XX/year> until I gave up around XXXX same day because no one would help me and being told repeatedly the next person could help me when in fact they couldn't. 

I was told all my accounts were closed and I would not be Able to bank with chase in the future. The following week I received a notice in the mail telling me there was fraud on my account and to " safeguard '' my account the notice advised it had been temporarily frozen until I provide the bank with additional information- I called back AGAIN to be told to disregard the notice - that even though the notice said call in with more information to gain access to my account back that that was not in fact true and I can not access my account. When asked why the notice said other wise was told " im not sure but were still looking into it '' So the bank says my account is closed by the notice says other wise. Odd right? 

I was able to get from a rep the reason why my accounts were " closed '' was being chase NEVER able to verify my identity. Ive had my accounts for 2 years and went into the branch every 3 months to renew accounts opened up multiple accounts in the branch over the span of 2 years but they were never Able to verify my identity. So I was told my accounts were sent to fraud and they made the decision to close my accounts. 

Ive worked in banks for 7 years im not new to protocol however my accounts are not closed they are very much active just frozen because I keep getting checking account alerts from chase and have yet to receive any closing documentations. 

I need access to my accounts so I can pay my credit cards unless chase does not wish for payment on those and the funds from my brokerage account back. Its coming up on 3 weeks and still nothing back from the bank besides a notice I was told to disregard??????
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Checking or savings account

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I tried to purchase a money order in the amount of XXXX and the store owner told me the transaction was canceled due to me pulling my debit card out to fast and I never received my money order and my bank wells fargo hasn't given me my money back, I have tried to contact wells fargo multiple times but I'm still not getting my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax, a credit reporting agency, for failing to accurately report my credit information and neglecting their duty to conduct a thorough and fair reinvestigation, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite numerous attempts to rectify inaccuracies in my credit file, Equifax has not adequately addressed my concerns. I have sent multiple disputes to Equifax, requesting verification of all information in my credit file. Specifically, I disputed the following accounts : XXXX Acct # XXXX XXXX XXXX, XXXX Acct # XXXX These accounts were opened without my permission or authorization. I did not provide any written signature or enter into a legal contract with either creditor. Despite providing sufficient proof and sending a cease-and-desist letter, Equifax has rubber-stamped these accounts as verified without conducting a substantial investigation. This indicates a lack of diligence and a failure to adhere to their duties and responsibilities. 

These accounts contain unverifiable information and were inserted into my credit file without my consent or proper validation and authorization. This not only undermines my privacy rights but also compromises the integrity of the credit reporting system. 

Additionally, I have attached documents, including an FTC report I sent to Equifax and their responses, for your records. Despite multiple requests for a description of the procedures used to determine the accuracy and completeness of these accounts, I have not received a satisfactory response. 

I kindly request the immediate deletion of these accounts from my credit file. 

Furthermore, the following two XXXX XXXX XXXX  XXXX XXXX accounts are being inaccurately reported with late payments : XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX These accounts should reflect " paid as agreed, never late. '' In accordance with the FCRA, the creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 USC 1681 section 604 ( a ) ( 2 ) ). Additionally, I would like to include FCRA consumer law section 605B ( 15 USC 1681c-2 ) regarding the late payments.

I request the immediate rectification of these inaccuracies in my credit report and a comprehensive investigation into Equifaxs handling of my disputes. I look forward to your prompt attention to this serious matter.
Product: Debt collection

XXXX is claiming I owe them money for 2 separate items purchased from a company called XXXX. This is ridiculous because I know for a 100 % fact that I have never purchased anything from a company called XXXX. I want proof showing this purchase was made by me. I looked up this company and it seems to be some kind of cell phone company or electronic items. I have cell phone service through XXXX and before that I was with XXXX XXXX XXXX for over 20 years. My cell phone I have is one purchased from XXXX XXXX XXXX when I was still with them. The only other electronic device I have is an XXXX which my wife bought me almost 10 yrs ago from XXXX. I am not going to be railroaded into paying for fraudulent charges. I have repeatedly told XXXX that I have not purchased anything from XXXX and have not used XXXX since purchasing and paying off my XXXX XXXX 5 years ago. I have the right to any information that XXXX used to determine my Identity Theft is not legitimate. These hackers are continuing to victimize people and I refuse to pay for their theft! Companies need to do a better job protecting customers from this craziness. I want my information blocked and my account with XXXX deleted. I was not aware there was even an account there. Again, I only used XXXX when I bought our XXXX XXXX  5 yrs. ago and I promise you I'll never use them again after seeing how easily they let someone else use my information to purchase something! A quick review of my credit will show you that I have worked very hard to establish my credit and I pay my bills. My past purchase through XXXX for the XXXX XXXX would indicate the same. This is not my purchase and is a result of someone hacking and using my information with XXXX.
Product: Checking or savings account

On XX/XX/2018, I had attempted to get a taxi for a trip to and from destinations in XXXX. 

THE DRIVER I HAD ATTEMPTED TO DEFRAUD ME. I'd been told that a small trip would cost roughly {$60.00}, and that my driver would be there to pick me up afterwards. My driver stayed with me at my location, but in the end I was told it would cost me since he had to wait for me. Further, I was told I'd be charged {$250.00} ( in several amounts ) only after the conclusion of the ride ( which was absurd ), and I was actually charged {$280.00}, because the driver thought he could tip himself on my bill. He also told me he would be providing return transportation to my hotel in XXXX. He physically took my card and swiped his own amount on his card reader, he didn't bother to tell me what the full amount was, what I was actually paying for, or a receipt. After my card initially declined, he said that my card authorized for a lower amount, and he wouldn't be able to drive me to my final destination anymore, as I didn't seem to have funds. This is insane. 

Further, when I attempted to contact my bank, the company attempted to validate my purchase by claiming that my signature on the bill matched my regular signature on transactions ( which it did ),  when my original complaint was that I had been overcharged!
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. XXXX Inquiry from XX/XX/year> XXXX. XXXX XXXX- Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XX/XX/year>, XXXX XXXX  Inquiry from XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX XXXX. XXXX XXXX Inquiry from XXXX XXXX XXXX. XXXX  XXXX Inquiry from XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXXXXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXXXXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXXXXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.
Product: Credit reporting

I was the victim of identity theft and provided all the necessary documentation but the accounts are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that Why Not Lease aka XXXX sold this debt to Security Credit and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to Security Credit being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for Security Credit is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
Product: Checking or savings account

td bank please explain to me what is this. why am i get sue?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$8900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9100.00}.
Product: Mortgage

******* ( NEW INFORMATION FORMER COMPLAINT # XXXX ) ********** We received a call from our attorney yesterday XX/XX/2019 informing us that the bank have closed the XXXX  ( Short Sale ), she said the bank claimed that they did not received any do documents after XX/XX/2019. We retained the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ). The law firm worked diligently with us to put together all the requested documents. which they submitted to the bank thru the XXXX  website, all this was submission was done to the bank in the month of XXXX. They claim that the bank is saying is false it is the same tactics that they use when the court order mediation. After we submitted all the paper work they claim to the court that they never received paper work. The true is that the bank have compounded interest on top of the original loan of {$410000.00}. The bank claim that the loan amount is now {$980000.00}. Prudent mind can see that the goal is the bank is to foreclose on the loan, so that they can write off {>= $1,000,000} as a business loss. We do not want to lose our house, so we did an appraisal and the fair market price came out to {$220000.00}. Our goal is that the bank give us a modification on the fair market price. We also have a offer on the house of {$180000.00} which we are trying to do a short sale. We appeal to your office to please consider this case on it merit. This loan is a predatory loan non comforming loan.
Product: Credit card

I have been sending in negotiable instruments to JP Morgan Chase for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.
Product: Credit card or prepaid card

I received a XXXX XXXX  letter suspecting that someone used my name & personal information to open a credit card account in my husband 's name. we called the bank fraud department to verify the letter. The fraud department said the letter was accurate & that someone is trying to use your personal information. They suggested we freeze our credit reports with XXXX, Experian, & XXXX as well as filling a report with the FTC.GOV. The letter is dated XX/XX/XXXX XXXX. The credit card application was filed with XXXX XXXX  on XXXX XX/XX/XXXX XXXX. We have frozen our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit bureau, XXXX XXXX, and XXXX XXXX XXXXXXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.
Product: Credit card or prepaid card

on XX/XX/XXXX i purched airline tickets with my platinum america express card. the same day the airline cancelled my reservation. on XX/XX/XXXX early in the morning i contacted an agent from amex travel and he confirmed that my reservation was cancelled by airline. i had prior reservation for the same time in may but since the price dropped for this flight i asked the agent to cancell this booking and issue the credit in a form of eticket which he confirmed. while on the phone with him i told him before he canclled my booking i want to be sure that the flight is still available. he told me to book it myself and after this he will cancel my booking and he did issuing the credit for {$510.00} each for 3 tickets. the other booking which was cancelled by jet blue and by me within 24 hours was entitled for a full refund not the eticket credit which i received. i contacted the amex travel 3 times waiting on line to be transferred to different people for 2 hours but no success. i was told that somebody will get back to me. i waited 12 hours no response. after that i was told 72 hours still no response. this is an unfair and deceptive practice toward consumers who should'n suffer due to incompetent agents. the company should provide a proper training and establish the time frame to contacting customer. needless to say that i spoke with supervisor who was also of no help and never called back. i am expecting ames to ctedit my account for {$1200.00}.
Product: Debt collection

this debt just showed up on credit report i have no clue of this, im sure your aware of the laws fcra, and ftc opinion letter. first you need to give 30 day notice and my right to dispute said debt, so ill dispute this through this sight, i need an written agreement to pay this debt with my signature, an itemize statement is not validation, and i dont give my permision for you to get my medical records so getting itemized statement or any thing that has to do with my medical record like itemized statement or name address, released to you is a violation of hippa so contract or written agreement that bears my signature is what ill except.
Product: Debt collection

I got a call from the company around XXXX and asked for them not to contact me that the debt is over XXXX XXXX XXXX and it was paid off. Starting XX/XX/2022 I started getting text messages from a XXXX which is a local number to me from the same company. I called the company and spoke with someone about this and told them I told them to stop contacting me and explained the dept was paid and to stop contacting me. The gentleman gave me his word he would delete this debt from his system. as of XXXX I am still getting text messages from this company.
Product: Checking or savings account

Opened a XXXX with CitiBank on XX/XX/XXXX. 

Deposited XXXX  USD into the account on XX/XX/XXXX. ACH transaction completed XX/XX/XXXX. 

On XX/XX/XXXX, CitiBank refuses to provide access to the account and refuses to return the deposit. 

Talked with nearly a dozen XXXX, and other reps of CitiBank spending many hours.
Product: Credit reporting

I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.
Product: Mortgage

My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX
Product: Debt collection

comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine
Product: Debt collection

The company treated to garnish me. Which they did some how. But I noticed that they do t have a contract between my self and them. They have taken this matter to the court which is a violation. They must have a contract to sue upon. 41 USC 6503. This is also why the court provided me with documentation that they couldnt file the claim due to lack of evidence of indebtedness. See attachment. Im not sure where they have gotten some of the information they have provided but the clerk of court would not lie. I dont k one these people. The contract shown was between myself and oak moters. I dont know auto vest or the betrothe law people. They have unjustly collected money from me based on a threat.
Product: Credit card or prepaid card

I made a payment of {$590.00} on XX/XX/XXXX to pay off a promotional purchase that expires XXXX XXXX. The promotional purchase still shows a balance of $ XXXXI need the payment made to be applied correctly.I need the balance to be {$0.00} on promotional purchase made XX/XX/XXXX and expiring XX/XX/XXXX to show XXXX balance.