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

Citizens Bank has violated my federally protected consumer rights under section 15 USC 1681 states I have the right to privacy. 15 USC 1681 602a states a furnisher can not furnish and account or personal information without my written instructions. I didnt give Citizens Bank written instructions to furnish my account and personal information to XXXX XXXX I have disputed these federally protected consumer laws with respect to this item on my XXXX consumer report with Citizens Bank multiple times within the last six months with no response from Citizens Bank. Citizens Bank continue to violate the FCRA law and my federally protected consumer rights under the laws I have stated. According to the FCRA these violations can result in monetary damages of a {$1000.00} for each violation. I am also requesting that Citizens Bank pay me {$1000.00} for each FCRA violation with this dispute after multiple attempts to resolve this issue with no response from Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a letter back from XXXX  stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Target Card Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
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 account number XXXX, XXXX XXXX account number XXXX vXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 15 u.s.c 1681section 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 other adverse items 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 reporting or other personal consumer reports

PLEASE SEE ATTACHED! You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/2023, I sent a written notice to XXXX XXXX XXXX XXXX informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference. 
According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.
Product: Credit card or prepaid card

I won my claim and netspend is making up reasons why they are taking so long to return my money. My SSI payment from XX/XX/2018 they said 5 to 10 business days that's a lie .I want my money.
Product: Mortgage

loan index # XXXX XXXX XXXX XXXX XXXX , XXXX AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT THAT DONT OWN THIS LOAN SERVICERNAME : FCI LENDER SERVICES INC XXXX XXXX XXXX XXXX CA XXXX FAX XXXX ACTING AS SERVICER FOR LOAN THAT IS FRAUD. 

LOAN HAS BEN TRANSFERED FROM UNDER A FHA / HUD WITH XXXX AND WAS DISMISS UNDER A OLD CASE BY XXXX XXXX ON XX/XX/2013 BECAUSE XXXX COULD NOT PROVE OWNERSHIP. 

I WANT TO KEEP MY HOME, I HAVE TWO ELDERLY PEOPLE WITH XXXX  AND PLUS ME LIVING ON A XXXX XXXX THAT SHOULNT BE UPROOTED DURIN THIS PANDEMIC OR LIFE SPAN THAT ARE AGE XXXX AND XXXX. I WORK FULLTIME FOR XXXX XXXX.
Product: Credit reporting or other personal consumer reports

CCB/XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Re : Request for Information on Debt Account # unknown Dear XXXX XXXX, I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. 
1099c form Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,
Product: Checking or savings account

Hello, I have an account with Chime back and ever since XXXX I have had fraudulent charges on my account since then. I have filed claim after claim and every time chime tells me nope you made the charges. If that were true I wouldnt file a claim saying the transactions were not mine. I cant count the many cards I have had closed and a new one sent to me. I have had i am going to guess 6-8 new cards sent between XX/XX/XXXX and XX/XX/XXXX because of fraudulent transactions. I would like my money back for all the transactions that are not mine which can be found in the 4 photos that I have attached. I have tried and tried to have a dispute opened again for all of the transactions but the online banking will not allow me to open one. I am also going to my local news channel to advise of them of what is going on with Chime bank and how they take money from people and do not properly investigate like they should. All my investigations were opened and completed in less than 24 hours. That is not nearly enough time to contact merchants and open disputes. Please refund the money that is owed to me. 

I have also uploaded an email Chime Bank that said there was a login from XXXX  on my account. That is not me I am in XXXX My password keeps getting changed as well and I am not the one changing my password.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX  late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Previous correspondence as attached ( ref XXXX dated XX/XX/2020 ) regarding account ending in XXXX states clearly this account is closed at a zero balance and furthermore AMEX considers the matter closed. Company has attempted to reverse again it's decision after the fact but has failed to request additional information or provide justification to continue this matter. All attempts to deal with reps have failed as none have any authority to make decisions or even understand the account and seem unaware of the attached or pretty much anything at all. 

This matter is closed as per the attached binding document and any documentary evidence, written or oral provided already to AMEX.
Product: Checking or savings account

XX/XX/2021 text message from citizens bank totally a scam as I do not have an account with citizens bank. 

XXXX  CASE # XXXX : SUSPICIOUS CREDIT/DEBIT ACTIVITY VERIFY YOUR ACCOUNT IMMEDIATELY : mineXXXX  Here 's the website they are using please stop this
Product: Credit reporting or other personal consumer reports

Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was XXXX in XXXX after my Mother XXXX in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the XXXX complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. TransUnion seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/year>, but that XXXX furnished information indicating that I am deceased on XX/XX/year>. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Product: Debt collection

I had more than {$1000.00} usd in rewards in my capital one account - credit card. I received a letter during the night of XX/XX/10 indicating that my account was closed but my rewards were never redeemed. I contacted the bank but they refuse to pay me the amount of dollars that I had accumulated I had any debt with that account at the moment that I requested to receive my rewards either thru a gift card, check, transfer etc.
Product: Prepaid card

I worked for XXXX XXXX from XXXX - XXXX. While there I contributed to a Healthcare Spending Account in Benefits Wallet. 

I recently became aware through a tax form that I still had a balance in that account - unbeknownst to me. I have for months now tried to contact Benefits Wallet to get access to these funds and have suffered through what i believe to be intentional impediments to delay their clients from accessing their funds. 

1 - Terribly long hold times - their customer service hold times are 20+ minutes- thus dissuading me and likely others like me from getting the support they need to use their HSA 2 - Maintenance Fees - They have been charging monthly maintenance fees all this time equivalent to 5-6 % of the account balance 3 - Although they had my mailing address- they never sent a message noting that my account is accruing fees and hasn't been used. Shame on them. They're earning interest from using my funds for 3 years AND on top are charging a maintenance fee.

Their business practices need to be scrutinized. As I type this I'm on hold ( XXXX XXXX  so far ) - trying to get access to my account - apparently since the account was setup with my XXXX XXXX work email and phone ( which i no longer have access to )- i have to jump through months of hoops to get access to my funds. 

This is a scam- they have XXXX incentive to help me and others like me and it shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the correct information on my credit report and can not seem to get the credit agency to comply.
Product: Credit reporting or other personal consumer reports

As I was going over my prepped I noticed a few accounts i do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 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. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : 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 XXXX XXXX has opened charges previously diemissed by credit bureau
Product: Debt collection

They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXXXXXX. The original creditor was XXXX XXXX XXXX.
Product: Mortgage

I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.
Product: Credit reporting

Experian has been replacing old information over and over I ca n't open credit cardsmy score is being damaged for XXXX months now and over XXXX yearsI have no REmedy pls help. 
Pls be advised I want everything to be clean and up increase in my scoreing system. 
I have been disputingXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 i have called Equifax and spoke with 2 different phone reps about removing the security freeze on my credit file. I have tried to apply with a lender for auto financing, and was told that they could not pull my report ( last week of XXXX ). Equifax has denied that any form of security freeze is active on my credit file. 

Steps I have taken : I PAID for a credit report from XXXX - Shows that my equifax credit report is frozen Per the Equifax website/Single Bureau Lock. ( Equifax Complete Premier Plan ) -  states " Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program. '' Per the MyEquifax website portal, also states under Credit Report Status, that " Your Equifax credit report is frozen. '' The auto lender also stated my credit file was locked or frozen, and that they were unable to pull my credit for financing due to lack of equifax report. 

That is 4 different instances that leads me to believe my file is frozen, yet i am unable to escalate with equifax via phone to receive more support or help.
Product: Debt collection

Worked for XXXX XXXX 6 yrs ago, quir company due to not being properly compensated for my work. Almost 1 year later they send a letter ( which I don't have anymore ) that I owe {$250.00}! 
What do I owe them for? I lived on my retirement, they paid nothing! I NEVER BORROWED MONEY, so there's no proof of such, Cain & Weiner is trying to collect on a debt, I NEVER signed a paper for a third party to collect a debt cause I never owed a debt ... ..My credit is clean except for this fraudulent claim!