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

Chase bank restricted my account without any explanation 3 days ago. I deposited all my funds to my chase bank account two weeks ago. Chase bank restricted my account without any explanation. I contacted Chase bank on the phone 3 times, I went to two different branches and asked two branch managers to access my funds, they do not provide any information and they did not release any funds to survive my life, hey do not provide any explanation in regards to why my accounts are restricted. They also deny to close my accounts and release funds. They do not close my account and release my funds. I don't have any money to buy gas, I cant go to work, I cant buy food or I cant pay my rent and bills. Chase bank severely affecting my life and my health causing stress and anxiety every day. I need to close my accounts immediately and get all my funds.
Product: Debt collection

On XX/XX/2019 I was working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,,, I was XXXX XXXX XXXX XXXX XXXX XXXX and seen in the XXXX  the same day while still on the clock ... .. About a year ago I saw there was a collection on my credit report. It is from XXXX XXXX, for XXXX XXXX  I contacted this company, they stated it was from this incident I was seen in the XXXX I contacted my former employer at the XXXX XXXX XXXX, and the record was found, and PAID IN FULL!!! I was also made aware by the billing dept at the hospital that they do not even use this company. I believe this is a fraud and some third party selling info to trick people ... .Please Help!!! my next step is to hire a lawyer... And I did dispute this immediately and was found to be legit????? I requested my Medical records and billing from this day, and Iam awaiting there arrival so I can send a copy to this company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. 
Please update the following accounts as Paid, Never Late. 
XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX Equifax showing the delinquency in XXXX ( also from XXXX ). NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of my accounts with the student loan servicer, Nelnet, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Product: Debt collection

This complaint is with Portfolio Recovery Associates. My credit reports show varying information on the date of first delinquency, all of which are incorrect. Their reporting timeframe has passed. The original creditor ( XXXX XXXX ) removed the tradeline XX/XX/2016. PRA also updated the tradeline when I disputed the item and it now states that I have a past due amount. This is false reporting as collection agencies are not allowed to report an account as " past due. ''
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion consumer report and I noticed some inaccurate information posted on my consumer report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

FEIN SUCH AND CRANE sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over 2 yrs. I was working on a loan modification with XXXX who was the servicer meanwhile XXXX who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that XXXX had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for XXXX. Meanwhile I have letters from XXXX and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank discontinued sending statements to me and without notifying me charged my Citi XXXX XXXX XXXX XXXX credit card for their Citi credit monitoring service. I was not using this card for purchases and they began charging my card without notifying me for $ XXXX/mo and accumulating late fees. They discontinued sending statements in XXXX. I only became aware of this in XXXX as a Citibank VP send me a threatening letter that I owed XXXX and if unpaid it would go to collections. 
When I called the outstanding balance since XXXX had become XXXX I paid immediately. I've been a customer since XX/XX/XXXX. I have no debt -- I pay 2 mortgages always on time. I've excellent credit -- yet they managed to trash my credit standing. This is why Americans have lost all trust in banks and their predatory behavior. I'm XXXX and very busy maintaining my obligations. 
This bank never communicated with me about any of this. Last week I received all my statements since XXXX from them. Since I was not using this card for purchases they devised a technique to collect late fees. 
I have worked hard to maintain my good credit standing. Citibank is sabotaging my credit scores. This is both predatory and elder abusive.

Not once did they contact me. If my Citi credit monitoring is not paid why then was the service continued. They had no authority to charge my credit card for these amounts if unpaid for -- so this is another issue. They had no right to report my account to the credit bureaus without contacting me. If they abuse customer like myself -- no debt, always pay my obligations on time -- which I have many years of record to show, imagine what abuse they must render to people that are struggling. 
For me their behavior is unquestionably criminal. They are a criminal and amoral organization. This is not how America use to be. This is the new America -- take advantage of the normal working guy.
Product: Credit card or prepaid card

I went online to XXXX to submit an early bird check-in, and was not aware this was a non-refundable charge. I selected this early bird check-in a total of 9 times, and was charged {$20.00} XXXX - {$25.00} for each, on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I contacted SouthWest to request a refund once I saw these charges, and was advised it was nonrefundable. 

I am requesting the charges for my early bird cancellations be reimbursed in the amount of {$250.00} to my account, as I feel the nonrefundable disclosure is deceptive and hidden. I have never been charged for changing my flights, or any other changes or cancellation and feel this is a unfair practice. 

If these charges are nonrefundable the disclosure should be visible on the the first page and in bold print, so there is no confusion.
Product: Vehicle loan or lease

I requested a XXXX extension of my car note due to financial hardship. BOFA stated that they would only provide a XXXX extension. I asked what criteria or information was used to determine how many months or if any months would be approved. The agent stated that the information that they used to make determinations was proprietary. When I stated that if it was proprietary information, that meant that they could discriminate and make decisions based on race or gender. I stated that BOFA should be able to state exactly what information was used to approve an extension or deny an extension otherwise they could discriminate as to what race or gender would be provided an extension or how much. The agent stated that they entered information into the system and the system provided the results. I asked if race or gender was part of the information that was submitted and the agent stated that was proprietary information also. I stated to the agent that any and all information that is used to make the determination or used for an approval of an extension should be public and not private, otherwise the information that is used could be used for discrimination. BOFA should publish and make available any and all information used to determine approval of extensions. I also think an investigation should be conducted to determine how the extensions are made and how many extensions are made to certain races, groups or genders.
Product: Credit card or prepaid card

On XX/XX/2020 my wallet was taken out of my purse at the Grocery store. My purse was in the child seat of the shopping cart, open as I was pulling out coupons. My back was turned while reading fine print on spices. I discovered the wallet gone when shortly thereafter when checking out. I called the 1800 discover number and told them my card was stolen. I asked that they close the account but they said I had to send them some code. I drove home from the XXXXXXXX XXXX and completed their request. I could not understand how one could have {$500.00} groceries in a cart, but was told gift cards had been purchased. Later I filed a police report and after charges came in from the Discovercard and the XXXX card, I updated the report with the XXXX Police. I was told back in XXXX by one of the store assistant managers that two thefts had occurred that day in the store on the cameras. By the time the police investigated because I did not know final total amount stolen till appeared on statement ( which I then sent copies to police ), I'm to understand they were told the video no longer existed. Over the three months, I have sent Discover the police report and answered all their letters and calls. I have been papered to death by them with papers that have fine print that I have to use a magnifying glass. Today they called and said they were not covering the fraud charges because I had shopped at the XXXX XXXX ( XXXX ) before. XXXX is not a big town and we have one big box store for each vendor, and this is the XXXX XXXX down my street. They are now saying I owe $ XXXX, and I reminded the caller that the government put a restriction on credit card fraud charges of {$50.00}. The Discovercard fraud spokesperson said that the law did not exist. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues. 

1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
2. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
4. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
5. BANK XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
6. XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
7. XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I used my personal PayPal account to pay for an online order for goods from merchant XXXX. The total amount for this purchase transaction was {$150.00}. The merchant provided an estimated delivery date of XX/XX/2023. By XX/XX/XXXX, the order had been assigned a tracking number but had not been delivered. The order status on XXXX showed a XXXX waybill number, but the tracking results did not reflect that the order had actually been shipped. I rasised a dispute for the transaction with the merchant, and received an e-mail response promising a full refund within 6 days. By XX/XX/XXXX the refund had not been issued, so I contacted XXXX customer service via chat. Unfortunately cutomer service did not issue the refund as promised, so I then filed a claim through my PayPal account. On XX/XX/XXXX, I still had not received this order from XXXX. Nevertheless, PayPal thinks the order was delivered, and denied my claim without any explanation. I did not receive any documentation from the merchant or from PayPal when my claim was denied.
Product: Student loan

My autopay due date is the XXXX of each month. Both my autopay agreement and the Edfinancial website state that payments that fall on a Saturday, Sunday or XXXX will instead be drafted the NEXT business day. 

My payment date this month falls on Sunday the XXXX, yet the draft hit my bank account on Saturday the XXXX instead of Monday the XXXX which is earlier than both the companies policy AND my scheduled autopay date.
Product: Credit reporting or other personal consumer reports

I was alerted by a friend to check my credit score, as others are reporting their forgiven loans through PSLF are now showing as " Open '' on their credit reports. I looked, and mine was showing as open. It had been forgiven in XXXX, XXXX, and I have paperwork from XXXX and StudentAid.gov to show that I had completed my PSLF. I contacted StudentAid.gov today and was told that I am not showing a balance on their end, and all my loans are showing as closed. However, XXXX has reported this loan as open, and it is now showing on my credit report. I have attempted to contact them, but it will not let me since I do not " have an active account '', since they closed it!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. CAPITAL ONE BANK USXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXXDEPT OF ED  : XXXX XXXX, XXXX : # XXXX 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. No reporting agency has my written permission to furnish any accounts.

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 or 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.

15 U.S.C. 1666 ( b ) states : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Request for Collection Accounts [ XXXX ] Dear Portfolio Recovery Associates, I am writing to formally request that you cease all communication with me regarding the collection account referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand that you stop contacting me, and I am exercising that right with this letter. 

Please take notice that this is a request for you to cease all communication with me in relation to the collection of the debt listed on my credit report. I also demand that you stop reporting this collection account to the credit reporting agencies, as I dispute its validity. You are hereby instructed to provide written verification of this debt, as required by law, and remove this information from my credit report if the debt can not be verified. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursue legal action for any violations of the FDCPA, including the continued reporting of disputed information on my credit report. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have complied with my requests within 30 days. 

Sincerely, XXXX XXXX
Product: Debt collection

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. 

Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement from me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  {$4200.00} XXXX XXXX XXXX. 
{$1000.00} I have no knowledge of these accounts please me them immediately
Product: Debt collection

On XX/XX/2020 I filed two complaints against XXXX XXXX , XXXX. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, XXXX XXXX , XXXX states that " due to the repeated complaints filed by the consumer XXXX XXXX , XXXX is opting to close both accounts out as a refusal to pay. XXXX XXXX , XXXX has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XX/XX/2020, nearly 6 months later, I received the attached two letters from DYNAMIC RECOVERY SOLUTIONS attempting to collect the accounts that XXXX XXXX , XXXX should have " closed out '', per the previous agreement. Note that XXXX XXXX , XXXX is named as the debt holder on both letters. According to the attached call recording, XXXX XXXX , XXXX had no intention on following through with this statement as the DYNAMIC RECOVERY SOLUTIONS agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to DYNAMIC RECOVERY SOLUTIONS despite the agreement made through the CFPB via complaint XXXX.