23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the author of this complain and I have attached my forms of ID below as proof. I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, XXXX and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b. The CRAs did not conduct a reasonable investigation and this furnisher is also in violation of 15 usc 1692g.

Under 15 usc 1681s-2b I can sue for actual damages and statutory damages because I meet the elements of the claim for an FCRA lawsuit. Because of this negative report Ive I have been denied housing. I will seek legal alternatives if this account isnt removed immediately
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


XXXX XXXX
Product: Checking or savings account

This letter serves as a formal complaint regarding my experience with Chase Bank 's handling of unauthorized account activity on my checking account. 

On XX/XX/XXXX, I discovered unauthorized charges on my Chase account. I immediately contacted Chase Bank 's customer service department and filed a formal fraud claim. During this communication, I meticulously reported each unrecognized transaction for investigation. 

It is important to note that I have been a loyal Chase Bank customer since XXXX and currently operate a small business, relying heavily on the security of my account. 

On XX/XX/XXXX, I received a letter from Chase Bank stating that only XXXX of the reported unauthorized transactions would be credited back to my account. This resolution leaves a remaining deficit of {$2100.00} due to Chase 's inability to identify these transactions as fraudulent within their established systems. 

I immediately called Chase to understand their decision and their response was that their system was not able to identify the fraud. It is strange that it identified XXXX transactions and not the rest since all transactions occurred in XXXX, a place I have never been or have contact with. 

Furthermore, I requested to speak to a supervisor to have a better understanding and he said that I may be the one trying to defraud Chase!. After being a long standing customer for so long, and Chase knowing my purchase patterns and behaviors, to say that was insulting and extremely rude. 

This incident raises serious concerns regarding the efficacy of Chase Bank 's fraud detection protocols. The bank 's failure to identify and prevent these unauthorized charges exposes a vulnerability within their system, potentially impacting the financial security of numerous customers. 

I urge the Consumer Financial Protection Bureau to investigate Chase Bank 's practices in identifying and resolving fraudulent activity. Furthermore, I request a review of Chase 's fraud detection protocols to ensure sufficient measures are in place to safeguard consumer financial information and prevent similar incidents in the future. 

Thank you for your time and consideration. I am confident that the Consumer Financial Protection Bureau will take the necessary steps to address this matter and protect consumers from such occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use online bill payment with    XXXX   XXXX   XXXX   (  XXXX  )  to pay my credit card bill to TDBank (  XXXX   XXXX   XXXX  ). I made my  XXXX   2017  payment via  XXXX  's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in  XXXX  and  XXXX  to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau.  <P/>  XXXX  sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On  XXXX   XXXX ,  2017 , myself and my  XXXX  representative called  TDBank  's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account.  XXXX  at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both  XXXX  and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today,  XXXX   XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a  manager  on  XXXX   XXXX  and  XXXX   XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in  48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error.  <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a  manager denying my requested relief. The manager manager will  not even return my calls, much less respond it writing so I 'm stuck.
Product: Checking or savings account

I have checking account with Union Bank MUFG at XXXX XXXX XXXX. This is my company direct deposit account Im using. Without notifying me my account has closed with my money in this account. 
I visited to my branch and discussed about the reason to close my account and they have auto answering number to contact. I have contact and I leave a message with my whole details. Still I did not get any answer from them. I was trying from last Wednesday XXXX of XXXX. And I can not pay my mortgage and any other due payments card and etc.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction. 


It has been over 45 days an i have not got a response back.
Product: Credit card or prepaid card

Hai this is XXXX XXXX XXXX and i got a mail saying that i have been pre-approved for {$1500.00} from Capitol One and after i applied they gave me {$300.00} credit approval account number ending with XXXX and my last four digits of social security is XXXX and i am totally dis-satisfied with there entrust statements and false promises.i know my credit score was bad but they pushed me to apply this card to get {$1500.00} limit but they cheated me by giving me {$300.00} approval I want to raise the complaint on the creditor and i dont dont want any kind of relationship with them and please do close my account with these kind of scammers and my scores should effect even i close this account Please try to help me out with this case and ban this kind of cheater in the market Please contact me on my phone XXXX
Product: Checking or savings account

every day I have overdrafts, ( especially when the weekend ends ). if my account is overdrawn and I am aware of it, I transfer money myself to cover the overdraft as soon as I know it, but still overdrafts appear and they do not give me information about what they are ( sorry if it's a bit misspelled ) Thank you.
Product: Debt collection

I keep receiving calls from XXXX ( XXXX ) XXXX and similar numbers with a women voice : XX/XX/2024 at XXXX XXXX  " Hi, this is from a debt collector. This is XXXX XXXX please call us back at XXXX again the number is XXXX thank you. 

I have received at least 10 or more calls from these people, who left the above message on my cell Phone recorder. No other information was left by team.
Product: Credit reporting

I 'm complaining against Equifax because of the following reason. Please see the docs that I 've attached which substantiate my claims : Equifax is reporting judgements against an XXXX on my personal credit file. 
" A business lien against the assets of an XXXX is recorded against the business credit report of the XXXX, not against the personal credit report of individual members. Ideally, the creditor should have no access to the Social Security numbers of members, and should use the EIN of the XXXX only for credit reporting purposes. If a business lien shows up on a member 's personal credit report, he has the right to request its removal. The asset and debt belong to the XXXX under established law, not the individual members. '' Equifax is reporting dates that do not exist such as XXXX Equifax is reporting balances when I 've provided proof that the balances should be {$0.00} Equifax has court names that do not exist such as " XXXX XXXX '' Equifax is the only credit bureau that has not removed these unlawful items from my credit report after disputing with them for 2 months straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX membership card with a Credit card issued by Synchrony Bank. The Account Number was XXXX XXXX XXXX XXXX. The said account was replaced with a new Master Card issued by Synchrony Bank bearing Account XXXX XXXX XXXX XXXX XXXX. However it seems the old account was never closed by Synchrony Bank. I have been using new XXXX XXXX card and associated with Account # XXXX XXXX XXXX XXXX. 
I recently noticed old account was never closed and I was un aware and recently I got reported a delinquent payment of {$14.00} and it impacted my Credit Score negatively.

I spoke to Synchrony Bank person and have closed the account which was supposed to be closed when a New card was issued in lieu of old account but they have not corrected the issue.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your XXXX  of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a title loan from XXXX  for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights under 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 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer The credit bureaus stated my account was properly investigated but how is that possible when all bureaus are reporting different information such as The account number is different, The monthly payment is blank, the last payment made on XX/XX/XXXX but the payment history reported that I paid OK until XXXX of XXXX, The payment history of 120 days late is reported XXXX times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the date closed is different, The balance is different, and the pay status is different. All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. I have also filed an identity theft report because this account does not belong to me. 

This ground for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Checking or savings account

Last year ( 2018 ), my business partner XXXX XXXX sent me {$3300.00} via online transfer to my NFCU checking account from his NFCU account. Because it was from the same bank I assumed allowing him to do the transfer wouldnt be an issue so I gave him my email address associated with my account. He made the transfer and now my account and my joint owners accounts ( even ones not associated with me ) are frozen. I contacted Navy Federal and they said the person so sent transaction would need to contact them and even though MY ACCOUNTS were frozen there was nothing I could do. I had the sender contact them via phone and etc, but I can not control what he does. He was then arrested ( without my knowledge for months so I could not contact him ). All this time I am trying to communicate with NFCU but they are not working with me. I suggested sending funds back to his account if there was an issue or at least remove my joint owner off account so it wont affect him. They declined to do either. I have a very high limit credit card with navy federal and if they close my accounts my credit will suffer greatly so I am trying to maintain a good relationship, but Navy Federal is failing me and failing at customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent by certified mail 3 disputes and an email to it's CEO XXXX XXXX requesting Experian to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
Product: Debt collection

I gave alliance collection a letter on XXXX XXXX, 2015 and gave them 30 days to prove all the debts were valid and mine. They failed to meet this request. Thus I 'm asking that all my negative marks be removed from my credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX, nor have I received services or made purchases with this company. Also, I have never received any billing statements from XXXX XXXX XXXX. 
I did receive numerous phone calls from this organization. They have requested payment over the phone. I thought it was a scam being that I know nothing of this company. Additionally, when I requested them to mail me a bill the representatives on both occasions were extremely unprofessional and rude and simply ended the call by hanging up on me. One of the representatives threatened to report me to the credit bureau. Therefore, I checked my credit report today and I am filing this dispute. 
I do see in my credit report XXXX XXXX XXXX may be a collection agency for XXXX XXXX XXXX. However, I have never received a statement for medical services from XXXX and I make monthly payments to XXXX XXXX XXXX. 
I want XXXX to remove this from my credit report because I have never been billed and I do not have a contract with this company. I also believe this company has not followed the Fair Debt Collection Act. 
I have filed a complaint with the XXXX XXXX XXXX. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) website. 
I appreciate your help in this manner. As you can see from the history on my credit report my credit standing is important to me.
Product: Debt collection

EXPERIAN LLC. VIOLATED FCRA BY NOT SENDING NOTIFICATIONS TO THE CONSUMER OF ANY IMPENDING ADVERSE, NEGATIVE ACTION IMPACTING THE CONSUMER 'S CREDIT REPORTS! SECONDLY, The Creditor AND PUBLISHER failed in that it did not conduct a reasonable investigation. Secondly the company did not accurately correct inaccurate information- nor because they caught to intimidate a consumer by not removing the disputed item under 15 U.S.C. 1681Ia [ 1.a ] by not removing or willful non compliance remove the negative and inaccurate information when EXPERIAN LLC . Was notified that the account information was under dispute via the CFPB PORTAL. notify when it DID NOT supplied the negative information. The Creditor also failed because they refused to notate my right to Dispute the ERRONEOUS negative information. The user must notify when it post negative information. This is defined as IMPERMISSIBLE PURPOSE. LASTLY it is also a Violation of the FCRA & FDCPA AS WELL AS THE FEDERAL TRADE COMMISSION VIOLATIONS to utilize " DECEPTIVE TRADE PRACTICES TO CLAIMING AUTHORITY TO USE FEAR TACTICS TO LIE ABOUT THE CLAIM THAT THEY REPORTED TO IMPERSONATE THAT THE WERE " ATTORNEYS '' IN VIOLATION FOR STATE & FEDERAL LAWS OF THE " SURPRISES ACT. OF XX/XX/2021. FOR THESE VIOLATIONS OF FEDERAL & STATE LAWS THE CONSUMER IS GOING TO INFORM THE FEDERAL TRADE ADMINISTRATION AS WELL AS THE ATTORNEY GENERAL 'S OFFICE AS WELL AS THE BETTER BUSINESS BUREAU OF THESE VIOLATIONS OF LAW ENACTED BY THE BUREAU AND THE FURNISHER OF THE INFORMATION FOR. APPLIED DECEPTIVE & UNFAIR TRADE PRACTICES TO DECEIVE AND STRIKE FEAR INTO THE CONSUMER THROUGH IDENTITY THEFT AS WELL AS TO THE CONSUMER 'S CREDIT REPORTS WITH THE INTENT TO BOTH DECEIVE AND COLLECT NEGATIVE AND ERRONEOUS INFORMATION WITHOUT WRITTEN CONSENT OR A CONTRACT. " NOW THAT YOU UNDERSTAND YOUR ERRONEOUS, NEGATIVE, INCORRECT AS WELL AS INCOMPLETE VIOLATIONS OF FEDERAL LAW, WITHOUT ANY WRITTEN PERMISSION OR WRITTEN CONSENT BEFOREHAND OR WITHOUT THE CONSUMER 'S CONSENT BEFORE STANDING ON MY PRIVATE - FROZEN CONSUMER REPORTS!! - Now that you know THIS - DELETE IMMEDIATELY THESE VIOLATIONS! The CONSUMER will inform the FEDERAL TRADE COMMISSION OF THE PARTIES DECEPTIVE TRADE VIOLATIONS AT ONCE!
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful
Product: Credit card

I contacted Target for a return I made that was not refunded. I have called 7 times and was only told to call the next day. I never saw a refund even though they admit I should receive one. I have tried but no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX  XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with XXXX  XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a XXXX XXXX around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the first of XXXX and immediately made my payment now is when my problem begins XXXX XXXX turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted XXXX XXXX trying to explain my situation that's when the problem started they have lost my account, Number XXXX XXXX  XXXX/ XXXX were in the process of parting ways I was cought in the middle I contacted both XXXX and XXXX they have no account information I have been going through a credit repair program but this bad report is still on my Experian report I need it removed Please help me
Product: Credit card or prepaid card

I went through a brief financial hardship last year and sought counsel from a debt consolidation company. This resulted in my longest open and largest credit card being closed with significant impact to my credit score. I paid the card off and was informed by capital one that the account could not be reactivated. I was not properly counseled by XXXX XXXX of the complete impact of their services. I did not want the average age of credit on my credit report to go from nearly 5 years to 1.