23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage servicer switched loan number after we closed on the house so first 2 payments were sent AND accepted by servicer but to old account number. They have been given bank records and acknowledged the bank records showing proof of payment. Now they are have collections call us threatening foreclosure even though they accepted all payment for all months 0 missed and can not figure internally how to merge the payments into a single account. We followed the rule and made payments on time and they are trying to get double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter asking them to remove old addresses that I no longer live at them removed some but not all. I also sent in dispute letters asking to remove inaccurate/unapproved items from my credit report they have not responded in the time allotted which is 30 days.
Product: Vehicle loan or lease

Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was paid off in full on XX/XX/year>. 
Proof of unpaid debt owed to XXXX XXXX was requested by XXXX, Equifax and XXXX on my behalf and as a result due to not providing proof XXXX XXXX was removed from all 3 credit bureaus. I have already paid off the balance in XXXX. Please see emails that validate how XXXX verified my request to close the account and how the balance is paid off. XXXX XXXX refused to verify the debt was valid or paid in full with XXXX XXXX for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  .XXXX I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Product: Credit reporting or other personal consumer reports

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Product: Checking or savings account

I'm having an issues with JP Morgan Chase Bank. The issues is between an internet website vendor XXXX and myself, that they are in breach of contract for the services they promised and sold me. I asked them to cancel my services with XXXX, they would not without charging me the full amount, we were 4 months in on a 12 month contract. This is the back story. 
I contacted Chase on XX/XX/XXXX to put stop payments for the monthly billing from the XXXX website and they did for the amount of {$120.00}, I also asked for any future charges from XXXX to not permitted to happen from this vendor, as well as cancel my current card and to re-issue it. Thinking this process was done on XX/XX/XXXX, I received a charge from the vendor XXXX in the amount of {$900.00}, and the card was not cancelled. 
So we contacted Chase Bank to have the charge of {$900.00} to be disputed and Chase reversed the charges, It was until XX/XX/XXXX the card was finally cancelled. weeks later Chase contacted me by email to say they are siding with the vendor and reversed the charges again. I contacted Chase and spoke with the department that makes their decision to stop payments and charges. I asked if they had noted the account on XX/XX/XXXX, they said no notes on the account, I asked do you note every call? They replied yes. I asked what department was I speaking with that put the stop order in, for all charges, they said they did not know. I asked to speak with a supervisor and got the say reply they were going with the vendor. I asked why didn't they call to speak with me on the charges and only the vendor. They had no reply. I explained the vendor and I relationship has no bearing on the charges that incurred do to them being in breach of contract. I asked what is stop any and all future payments from this vendor means? Their only response is that they decided the charge was relevant and that only checks can be reversed not XXXX charges. This put me over the top. That XXXX   purchases absolutely can reversed and this is why we don't use checks any longer. The call was over at this point because Chase was not working to protect my 2 business and 2 personal accounts I have with them.

After the 2nd response that they we're going with the vendor, we then resubmitted for a reversal of the charges again with no avail in changes. We feel that Chase is not protecting our money and is willing to give it out to any vendor regardless of the situation. All locations for bank documents are not able to be found online they all show blank so all consummations here are not able to be printed or seen from a public or private stand point. 

We greatly need your help and protect in this gross violation against us.
Product: Credit reporting

I have been disputing inaccurate information with Experian for over a year and now about inaccurate accounts listed on my report. They have stopped responding to any dispute i send by mail. I also contacted them about inquires since XXXX 2015 and they told me to contact the creditor. I did contact them all and i did not get a response back as all.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Began receiving calls in XXXX of XXXX from " NAVIENT '' which have continued several times daily since then regarding student loans owed by my deceased wife. She epassed in XX/XX/XXXX ; the loans were made prior to our marriage ( XXXX & XXXX - married XXXX ). I had no idea these loans existed. 
Submitted death certificate which they have confirmed receipt XX/XX/XXXX ; calls continued unabated; received a letter late XX/XX/XXXX which denied the death certificate - navient indicated it was not valid ; when actually they just wanted a SSN written on the certificate. 
I did that as well and they confirmed today, XX/XX/XXXX that they received ; but did not bother entering that anywhere and they continue to call - three times today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau, I submitted a dispute because there is a collection account on my credit file - XXXX XXXX XXXX account number XXXX does not belong to me and the response I received was that it was verified although I told them in the dispute report that this account does not belong to me.
Product: Credit reporting or other personal consumer reports

My name is XXXX and I am writing to formally address a serious violation of the Fair Credit Reporting Act ( FCRA ) concerning my recent dispute submitted regarding XXXX  XXXX - XXXX and my student loans accounts that are inaccurately reporting. 

On XX/XX/year>, I submitted a dispute concerning inaccuracies in the reporting of this account. According to the FCRA, when a consumer disputes information on their credit report, the credit bureau is required to investigate the dispute and notate that a dispute has been filed. However, I have reviewed my credit report and have found no indication that my dispute was acknowledged or investigated. i will be submitting both of my disputes the previous one from last month which nothing has been done and this one for this month. 

This lack of acknowledgment and investigation constitutes a clear violation of my rights under the FCRA. Specifically, Section 1681i of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation when a dispute is made and properly mark the disputed item as such.

The failure to comply with these regulations has not only caused me distress but may also negatively impact my creditworthiness. I am requesting that you take immediate action to investigate the disputed account, correct the inaccuracies, and ensure that my dispute is properly noted in your records.
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate.

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter a letter to XXXX  disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.
Product: Credit reporting 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. 

Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 

15U.S.C 1681 Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection States : no consumer reporting agency 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 antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX XXXX XXXX, XXXX is now being reported again
Product: Checking or savings account

Subject : Formal Complaint Against CashApp for Unauthorized Charge by Merchant ( XXXX  ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CashApp regarding an unauthorized charge made by the merchant " XXXX  '' on my card. The details of the incident are as follows : XXXXXXXX XXXXUnauthorized Charge : XXXX On approximately XXXX XXXX XXXX XXXX made a charge on my card without my authorization. I promptly filed a dispute on XXXX XXXX XXXX after the charge was made. 

XXXX. XXXXDispute Filing : XXXX I initiated the dispute process as soon as the item posted. To support my claim, I provided emails indicating that I was not aware of signing up for any subscription and explicitly requested the cancellation of such subscription. 

XXXX. **Email Evidence : ** The emails in question are time-stamped, clearly stating my objection to the subscription and insistence on its cancellation. Despite my multiple requests, the company assured cancellation only after the item was shipped. 

XXXX. XXXXProduct Return : XXXXXXXX  Subsequently, I refused and returned the product, emphasizing my disagreement with the subscription and requesting a refund. 

XXXX. XXXXCommon Sense and Timeline : XXXX I ordered a two-month supply, but not even one month passed before I was charged again. This occurrence highlights a failure in common sense, as I had clearly communicated this is a one-time purchase which furthermore demonstrates my non-consent to any ongoing subscription. 

I kindly request your assistance in investigating this matter and ensuring that appropriate action is taken against CashApp for allowing an unauthorized charge by XXXX. I believe this incident raises concerns about consumer protection and the need for accountability in financial transactions. 

Please find attached relevant documents, including the disputed charge, emails, and proof of product return. 

Thank you for your prompt attention to this matter. I appreciate your efforts in upholding consumer rights and ensuring a fair resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Comenity Bank has committed fraud and deceptive practices on myself by seducing me to apply for their XXXX XXXX account to bolster their own selfish company metrics, then denying me credit approval by providing a false reason for denial. This was accomplished when i accessed the XXXX 's website for my XXXX XXXX account, and the popup claimed pre-approval for a XXXX credit card. This deceptive practice is illegal and ultimately immoral to the general public and must be addressed by the govern bodies of the USA and Federal regulatory agecies. 

Denial reasons were stated as follows : 1. Delinquent or derogatory accounts ( of which i have NONE ) XXXX attachment will verify this. 
2. No recently opened real estate secured loans ( Never heard of this denial reason for credit card ) but i do have a second mortgage 100 % paid each monthly cycle and up to date in all area 's.

3. Too many Inquiries ( yes now i have an extra one due to comenity bank deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings!

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting the companies via mail about these accounts that were paid in full. These navy federal accounts have been paid in full on XXXX XXXX, 2023 for a total of {$6000.00} XXXX, XXXX, XXXX. It is still reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX 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 XXXX 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