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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder. 

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices.

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX ) KIKOFF LENDING LLC XXXX XXXX  If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All XXXX Reserved Without Prejudice
Product: Payday loan, title loan, or personal loan

The original loan was for {$650.00}. I was paying 646 % interest on the loan. This loan was taken out on the XXXX of XXXX. They were taking {$180.00} out of my paychecks twice a month for three months. I looked at the loan to see when it would be paid off and found out that it wouldnt be paid off untilXX/XX/2020. 
I called the loan company on XX/XX/XXXX to see if I could reduce my payments and they refinanced the loan at a rate of 285 % interest and are now taking out payments of {$77.00} twice a month. This loan is scheduled to be paid off in XX/XX/2020. 
Every time I have called for a payoff amount, the amount is greater than the original loan. Both times Ive called for payoff, the amount has been {$750.00}. 
Ive paid over {$1000.00} on the loan, how can the payoff go up?
Product: Debt collection

Hello my name is XXXX XXXX and I'm unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification of information below. If in fact you believe that I've received proper notification, please provide certified mail with a receipt with my signature on it stating that I have received it.
Product: Checking or savings account

bank chargin excesive fee holding or frezaen checks and not having money available close my account without letting me know causing direct deposit rebound and making me be behind on my bills
Product: Credit card

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX Subject : Complaint Regarding Closure of Chase Sapphire Card Account Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint against Chase Bank regarding the unexpected closure of my Chase Sapphire credit card account. This account was closed despite my diligent payment history, including payments totaling over {$6000.00} during XXXX and XXXX alone, far exceeding my monthly statement amount. Since XX/XX/XXXX, I may have been late on one or two payments, but my intention has always been to maintain good standing. I only have a XXXX XXXX balance on my credit limit of {$5000.00}. I was unaware of any issues that would lead Chase to consider closing my account. Had I known that making these large lump sum payments could prompt such drastic action, I would have opted to make the minimum payments and manage my finances differently to avoid the current predicament right before the Holidays. 

The sudden closure of my account has significantly impacted my financial well-being, primarily as I work to strengthen my credit profile and reduce the number of credit cards I hold to just 2 or 3. Most of my cards are now paid off, and I relied on the Chase Sapphire card as my primary option. This action felt like the rug was pulled out from under me just before the Holidays, causing considerable emotional distress and financial strain on my family, especially since we had some health issues in the family due to XXXXXXXX XXXX for my Mother, whom I almost lost this year. I find Chase 's decision to close my account under these circumstances to be not only detrimental but also predatory. 

Even though all of my payments were made via ACH transactions and my balance was within acceptable limits, Chase has attributed the closure to my high credit balance, which I believe is unfair, especially since they accepted those payments before closing my account.

The lack of prior notice and clear communication regarding the potential for account closure have left consumers like myself feeling unprotected and at a loss. I respectfully request that the CFPB look into this matter and consider appropriate action. I believe I am entitled to compensation for what I consider predatory practices on behalf of Chase Bank to ensure these practices do not happen to other folks. I did not appreciate an insensitive comment from a customer service representative stating, " This is the money you owed anyway. '' Everyone knows the current economic situation and how cumbersome it is for people to stay afloat, especially for those in XXXX XXXX and XXXX or working on commission. 

Thank you for your attention to this urgent matter. 

I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

My complaint is against Diversified Adjustment Service , Inc at XXXX XXXX XXXX, XXXX, MN XXXX I believe the account XXXX XXXX  was created fraudulently to extort money from me. I don't have or have never had an account with XXXX XXXX. I have had this appear on my credit report XXXX XXXX XXXX in the past and had it removed due to fraud. 

I tried to pay Diversified Adjustment Services, INC to make this go away. I received a letter that if I paid {$110.00} of the {$160.00} debt that they would close the account as paid. After I submitted an electronic payment from an account in good standing and with the funds available, I received a letter that the check was returned, I was charged an extra {$25.00} and that I needed to send them a physical check within 5 days of the letter dated XX/XX/21. 

Please stop this extortion. I am positive this is a fraud and {$110.00} will wind up being taken from my account as part of this fraudulent act!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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. 

Please remove these asap.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my XXXX credit report and noticed inaccurate reporting on my file. 

You are reporting this collection account as an XXXX XXXX XXXX XXXX as well as a PAST DUE BALANCE, which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletion has been removed. 

ACCOUNT NAME : XXXX ACCOUNT NAME : RESURGENT RECEIVABLES LLC
Product: Debt collection

I talk to them told them this is not my debt and could they please remove it.
Product: Debt collection

On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/2024, I applied for the Chase XXXX XXXX XXXX Credit Card through the following link : XXXX XXXX XXXXchase.comXXXX  At the time of my application, the advertised sign-up offer was for 5 free nights. 

However, upon receiving the credit card, I noticed that my sign-up bonus was incorrectly listed as XXXX points instead of the 5 free nights that I applied for. Since XX/XX/XXXX was the final day before the previous offer expired, I believe there was an error in processing my application.
Product: Debt collection

XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity. 

When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine. 

I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mib inc is reporting inaccurate information regarding my medical records I asked too opt out of there company they refuse too help
Product: Credit reporting, credit repair services, or other personal consumer reports

Instead of updating report to the correct amount and no late payments, they changed the amount of loan to XXXX XXXX dollars. Having me to re submit an additional dispute in regards to my XXXX XXXX bank account number : XXXX
Product: Credit card or prepaid card

Since XX/XX/2002 I have been attempting to get a payment made to my XXXX XXXX XXXX card with Cometity Bank. Because of a missed payment ( my fault ) there phone payment, web site, easy payment and payment center send me to or tell me to use the phone in. NO ONE ANSWERS THE PHONE. HAVE SPENT HOURS OVER THE LAST WEEKS TRYING TO GET THROUGH. No one answers phone XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't even get in to close the account. Good luck getting a hold of them.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXXXXXX XXXX XXXXXXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all has 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 an 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 Any other adverse item 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 card or prepaid card

XXXX XXXX DIRECT EXPRESS XXXX XXXX  STILE ALL THE MONEY OFF MY XXXX CARD OVER {$1000.00} N LEFT ME OVERDRAWN {$450.00}!!!!! FOR OVER {$1100.00} IN FRAUDULENT CHARGES!!! THEY THEMSELVES TOLD ME TO DISPUTE THEY CAN NOT DVEN FIND AN ADDRESS OR PHONE NUMBER FOR TGESE CHARGES COMING FROM XXXX XXXX!!!!
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  //// DIVERSIFIED CONSULTANTS #  XXXX   XXXX   XXXX   XXXX   XXXX ,, FL  XXXX   XXXX  The y are  calling on a   XXXX   XXXX   XXXX   XXXX   owing  them  XXXX   which is false i returned their equipment to the   XXXX   XXXX   per their receptionist at   XXXX   XXXX   XXXX   XXXX   she told me there was no other amount owed due to the fact i returned their equipment in due time now this company is trying to collect money from me and the   XXXX   XXXX   XXXX   XXXX    receptionist from  their main office warned me of false collection from these people it is happening quite a bit to their past customer and she told me not to pay them and to report their false way of doing business to the correct people they are these   people are not giving    XXXX   XXXX   XXXX   XXXX    a vey good name  she was from their Florida office please have  them st op asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian credit bureaus are resting a XXXX  XXXX that is reflecting on my credit report, information stating that XXXX and Experian claim the information was verified as accurate through the XXXX  XXXX courts. 

I have sent in numerous of times a certified letter from the XXXX  XXXX court that it clearly state that the XXXX  XXXX courts to not share or report any information to any credit bureaus but they refuse to remove or have written information of verification of this.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which I believe is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. I require prompt confirmation of the removal and a detailed explanation of the measures taken to prevent such incidents in the future. 

XXXX  XXXX
Product: Debt collection

I am writing to formally dispute negative items appearing on my credit report that were added without my knowledge or authorization. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is unlawful for credit reporting agencies to include information on a consumers report if the consumer has not authorized or been notified of the reporting, especially in cases involving fraudulent activity. 

The following accounts/items on my credit report are inaccurate and/or reported without my consent : [ List account name, number, or identifying information for disputed items ] XXXX XXXX XXXX, IL XXXX XXXX {$530.00} XXXX {$4400.00} XXXX XXXX OH XXXX XXXX XXXX {$340.00} XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$65.00} Under FCRA XXXX XXXX, I am requesting the immediate removal of these items for the following reasons : Lack of Authorization : I did not authorize the reporting of these accounts. 
Possible Fraudulent Activity : These items XXXX be the result of identity theft or errors in reporting, neither of which I was made aware of prior to their inclusion on my report.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, Sunrise Credit Services , Inc. has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing.

Denial of Dispute XXXX  : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations.

Use of Deceptive Practices : The collection tactics employed by Sunrise Credit Services , Inc. involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices.

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements.

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that Sunrise Credit Services , Inc. claims I owe. I assert that these claims have not been validated and are disputed in full.

Revoke Communication Rights : Effective immediately, I am revoking Sunrise Credit Services , Inc. 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail.

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt.

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between Sunrise Credit Services , Inc. and the original creditor, proving the legitimacy of the debt and the authority to collect it.

Proof of Licensing and Bonding : I also demand proof that Sunrise Credit Services , Inc. is licensed and bonded to collect debts in my state, as required by law.

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation.

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX