23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Obtained a safe deposit box at the Chase Bank appx XXXX ago. The Chase Bank is on XXXX XXXX in XXXX, CA and was a Washington Mutual Bank at the time of opening the box. I was provided a free box with a permanent waiver due to program running at that time. In appx late XXXX I came in and spoke with the manager of that location at the time ( his name was XXXX XXXX ) and stated that I was moving to XXXX area ( 2.5hrs from XXXX ) and having a safe box in XXXX did not make logistical sense for me. He said that would be no problem and that he " took care of it ''. I provided him the XXXX keys and then he and another associate locked them up. Beginning XXXX I began getting safe deposit box letters about my annual renewals after previously getting nothing about it since closing it down. It still shows that my box is open and while it is still also showing the box as an annual fee waiver I am concerned as I do not have the keys due to turning them in and am afraid this box is still open under my name without my approval. I attempted to reach out to an associate at this location and was told that they show in their " records '' that I still have the keys in my possession and that the only way to take it out of my name would be have it drilled at my expense of over {$200.00}. I explained what took place with closing the box in XXXX to which the reply was " that was 8yrs ago, you do n't have any proof of that happening ''. 

I placed my trust in the a person chosen by the bank to manage the entire location and am not being told to close out I have to pay a fee for his lack of responsibility. I feel that this has been a bait and switch tactic in order to collect non-interest income for a bank that is struggling to replace fee income lost due to overdraft fee changes in the banking climate. While {$200.00} is small potatoes to a place like Chase, it is a huge fee for me and those happening multiple times to hundreds of people over a footprint can add up to strong revenue additions. I have attempted to reach the current manager of this location but she is never available to speak. The most recent attempts were on XXXX/XXXX/XXXX to which I was told " she is on vacation all week '' which was told to me after identifying who I was and why I was calling. I did not believe this to be true, so I called again on XXXX/XXXX/XXXX and this new person said " she is out sick today '' but he did confirm she would be in on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was told this is her " scheduled day off ''. I feel bullied by this location and refuse to pay a fee to help cover a prior managers irresponsible actions. Furthermore, I have made ample efforts to contact the location with no success. I would think this bank would want to get this box out of my name given I pay nothing for it so they can rent it out to someone and collect annual rent.
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 {$0.00}, {$4000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Fin Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX  Svc Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with XXXX   and equifax. Equifax and XXXX are great companies this is the first time I have had issues with my credit report involving removing items. Equifax and XXXX are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a XXXX XXXX  that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Debt collection

Repeatedly contacting my employer several times out the day interfering with my work. Repeatedly call my references all day. Repeatedly calls me all day from several different numbers. Even calls my employer and references from several different numbers all throughout the day. Sent mail saying that they will file to collect what is owed but still calling my employer, references, and I several times throughout the day. This company is Regional Finance Corporation. The local office calls and a number from XXXX South Carolina calls all day everyday.
Product: Checking or savings account

My Citibank online account is locked recently. I tried to reset using " Forgot Password '' feature on citi.com website. I entered all the information ( credit card number, date of birth, social security number, secret word etc ) correctly, but I saw the same error " Account Locked '' multiple times. I called customer service number, and they are asking me for the debit card or savings account number. I don't have any of them at this time. I opted for online statements and never downloaded any statement. I lost the debit card and never used it for any transactions. The agent suggested that I visit a near by branch to order debit card again. But, there are no Citi banks in Texas ( I currently live in XXXX area ). There are no other options at this time for me to unlock my account or order the debit card. I requested them multiple times on the call to provide alternate options and I am ready to upload driver license, social security card, and share Citi credit card details ( the online account is linked to my savings and credit card accounts ). But, the bank wants only debit card or savings account number. I don't have that info and I have no way to get that info unless I travel to a state where Citi bank branch is present. This is unacceptable because they have no way to help customers in states where there are no branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXXXXXX XXXX and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that XXXX be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to review my credit report with all three credit bureaus and the only one I'm having success with is XXXX. XXXX and Equifax will not allow me to review my credit report or file online. I provided correct information when verifying who I am and its still not working, I have sent identification, ssn information, utility bill to XXXX and Equifax. These two companies are not following the rules. Also, I requested in writing to have ALL the fraud alerts removed from my credit file immediately and it has not happened. I would like for this to happen immediately. Please and thanks
Product: Mortgage

Home retention servicing ongoing on servicing my mortgage. Should have stopped in XXXX. Nothing has been done
Product: Checking or savings account

In the past XXXX ( XX/XX/year> ) TD bank has posted a certain charge on my account out of nothing, it was not related to any XXXX product I purchased previously. 
And I tried to dispute this transaction but TD bank refused to remove this amount from my account and I still paying this amount on payments. 

The amount was {$480.00} on XXXX 's statement.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and please block information from my credit report within XXXX business days pursuant to section 605c of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was obtaining my free annual credit report I had obtained 2 of them and I was to receive the XXXX credit report when it sent me to some page that had nothing to do with my credit report. I went all the way back and tried again. Same thing then it directed me to your alls page to file a complaint. All I want is my annual credit report that is free. I only get one a year. Im trying to clean my credit report up. Ive seen things on the other two reports that is wrong. I just want you the report sent to my email XXXX will you please help me
Product: Debt collection

I obtained a copy of my credit reports and i noticed a company by the name of Sunrise Credit Service being reported across all 3 bureaus with different account numbers. I have never gave none of the CRA 's permission to report this on my credit report. According to 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the Written Instruction of the consumer to whom it relates. I Never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO consent is identity theft as a federally protected consumer by law I am demanding deletion of the account listed above Immediately. I have also asked this company for validation of debt. Please send original document signed by myself tying me to this debt if not I am demanding deletion because this is hindering my credit journey
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, ENHANCED RECOVERY CO 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

the company approved a credit line that is not mine and they are reporting it was a Collection/ late payment and that has my credit low
Product: Debt collection

My compliant is that XXXX XXXX XXXX and Perfect Collection is trying to collect on the same debt at the same time. The two companies have the same address as well which makes me believe these two companies or the same company. I never received all the documentation I requested from XXXX XXXX XXXX. I received copy of a sign contract that was not signed by me! That is not my signature. They are in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. XXXX XXXX XXXX fraudulent account is reporting on XXXX   credit files as Perfection Collection. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. Perfection Collection is also required to notify me within five days of re-inserting previously deleted item immediately. I do NOT have a contract with Perfect Collection nor XXXX XXXX XXXX. I have also sent several notices stating that their offer to contract is denied as well as ask for documentation showing that account # XXXX is my account. I have yet to receive any documentation from, XXXX XXXX XXXX. Upon searching my records account # XXXX was first place with Perfection Collection the account was disputed and deleted off my credit report. I did not receive a letter of reinsertion of the account to my credit file nor did I receive a dunning letter from Perfection Collection. The account was then purchased by, XXXX XXXX XXXX on XX/XX/2018. After carefully researching I noticed that XXXX XXXX XXXX has the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) as Perfection Collection had. And I also found out through research that they are reporting this account as Perfection Collection as well as XXXX XXXX XXXX. You can not do this under two different agencies. I have attached documentation of this reporting. I also see from the so-called contract that they sent out, they are attempting to collect, on an expired debt based on Mississippi statute of limitation laws. Perfection Collection has been known to be fraudulent and since XXXX XXXX XXXX is also known as Perfection Collection, they are fraudulent as well!! I think I have provided enough evidence to show you that they have committed many violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am my sisters Power of Attorney. The end of 2016 she took out a loan from First Virginia. Early XXXX she became XXXX XXXX  and I took over her finances. a few weeks ago I went to a First Virginia location in XXXX XXXX to pay off the loan and they referred me to IDR in Arizona. After I contacted them & was given the " run around '', First Virginia withdrew money from my sisters account, which I believe is wrong. I do n't understand why they refuse to let me pay this off.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank 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 a 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 XXXX 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.