23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Since XXXX we have revoked authorization by sending emails, letters, and personally walked in to XXXX  XXXX ( gym ) to cancel four memberships. The gym has ignored these requests by continuing to charge us. We have submitted unauthorized disputes with Chase Bank to recover the funds. As a last resort we closed our credit card and had the bank reissue a new card. This stopped the charges from XXXX  XXXX. However, starting XX/XX/XXXX - XX/XX/XXXX we started seeing charges ranging from {$2.00} to {$35.00} to charge our credit card. When then starting receiving calls from XXXX XXXX billing department saying we are behind on our membership payment and they need to update the credit card information. This is unfair and deceptive practice since they were calling different members of my family to obtain credit card information. Concurrently we called Chase Bank to dispute the charges. We were dumbfounded to learn that our bank, Chase, had given the merchant, XXXX  XXXX, our new credit card number. The Chase representative said that they had an agreement with certain merchants to provide them with customer 's credit card number! I am disappointed with Chase 's disregard and not protecting customers device ( credit card ) information by giving a merchant our credit card information to charge. Second, the merchants disregard of our varies letters and attempts to cancel services and revoke authorization. This is deceptive unfair practices by Chase and XXXX  XXXX. We are disturbed that a WSUD ( written statement of unauthorized debit ) is disregarded, our personal information shared and overall Chase 's lack of consumer protection!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice some fraudulent accounts.please remove these accounts they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXXXXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ).

It is my understanding that you will investigate these items for me to ensure accuracy.Here are the items I am asking you to verify as accurate : All accounts are on XXXX, XXXX, EQUIFAX ( XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 XXXX XXXX XXXX XXXX removed a tradeline from my credit reports due to fraud. I submitted police reports ftc report etc. and it was proven to be fraud. A month later they replaced the trade but changed the amount. I reached out to them several times even filing a complaint with the XXXX XXXX XXXX This company is going behind peoples back and stealing their info to boost sales. They are violating my rights by reporting false and inaccurate information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally

, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent accounts listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Product: Credit reporting or other personal consumer reports

The " date of opened '' is reported differently with each bureau. Also the " date of last reported '' " last payment '' and " last active '' are not the same for each bureau. That is a violation of the Fair Credit Reporting Act 602. Congressional findings an XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

A loan was taken out from a company called XXXX. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to Ad Astra collection agency which I disputed explained the loan was illegal and not enforceable. Ad Astra then placed a collection on my credit report which is illegal.
Product: Checking or savings account

Whenever I deposit a paper check to my bank ( JP Morgan Chase ), they place the funds on hold for more than XXXX business days, causing me stress and financial difficulty. I make a lot of money, but my account is showing to be nearly empty because this bank is placing my funds on hold. I called and I went into the local branch, but they have no explanation as to why they are doing this. The only thing they tell me is that the funds haven't cleared and they can't help me. Recently, I received a paper check from the estate of my grandmother. My check was placed on hold, while my entire family received their funds within a day. I've never had a bank do such a thing. I deposited the check on XX/XX/XXXX, and it will not be available in my account until XX/XX/XXXX. Other checks they place on hold are paychecks from a XXXX XXXX XXXX XXXX  hardly a fly-by-night account. There is no reason for JP Morgan Chase Bank to do this. It makes no sense, and it causes me serious financial hardship.
Product: Credit reporting or other personal consumer reports

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$550.00} XXXX XXXX  XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XX/XX/XXXX - {$1100.00}
Product: Checking or savings account

A few years back I had an checking account with Wells Fargo bank XXXX XXXX 's Georgia. It was about every pay period for around XXXX that I had overdraft fees and wasn't swiping my card for anything the said I was. So I wound up with no money in my account when I would use my debit card it would decline so i would have to take time off of work to go to the bank every week. That was causing me to have lower and lower paycheck amount not to mention the funds the bank said I owed and did not owe them anything. So, I feel as though Wells Fargo owes me money. I'm having the same issue with the XXXX XXXX also.
Product: Debt collection

I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.
Product: Checking or savings account

I had an unauthorized debit of {$1.00} from an overseas business. I repeatedly requested the account to be closed and reimbursement of the missing funds. After weeks and multiple phone calls, the account was finally closed. 
I have yet to be reimbursed for the stolen funds nor compensation for the time involved to rectify this issue. Additionally, there has been no mention of opening a replacement checking account, nor an apology by letter or phone.
Product: Mortgage

Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a mortgage preapproval. 
On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. 
This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. 
I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. 
XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. 
After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. 
After several tries, I was able to connect with XXXX XXXX at Gerstel Law Firm who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at Gerstel Law Firm Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. 
My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. 

I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at Gerstel Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with the following companies was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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.

The following companies 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 this issue is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Transunion XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt was paid previously directly to the company, This has been disputed yet continues to be reported as owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XX/XX/2021 credit report, DEPTEDXXXX  has added a Late Mark on my credit report per EQUIFAX and XXXX. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyunday Capital America is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.
Product: Mortgage

Issue : Escrow Payment from XX/XX/XXXX for $ XXXX.I contacted then numerous time and they have not cut my payment. As of yesterday, they closed out my escalated requisition request for payment in which, I find very strange, without cutting a check to me.Please help me get my escrow money. 


Contacted C.S. Rep Supervisor Request For : Results of Call : Action : XXXX XXXX XXXX Rep Requested escrow will have pmt. within 10 days XXXX XXXX XXXX Rep XXXX XXXX payment no chk number & C.S. closed XXXX XXXX XXXX XXXX XXXX XXXX payment no chk number & req. supervisor Supervisor adv, Orginal C.S. Rep form XXXX XXXX XXXX - didn't submit requisition, only documented account. 
Supervsior, advised XXXX just submitted requisition and chk will be cut XX/XX/XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised check will be cut today XXXX XXXX XXXX, no later tommorrow XXXX XXXX XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised will escalate pmt from dept and cc that dept 's supervisor XXXX XXXX XXXX XXXX XXXX  chk number adv escalation closed XXXX XXXX XXXX asked XXXX, why was my escalated requisition closed, with out a check being cut? 
she stated that when a check is being processed, the dept closes the requisition. 
I found this strange because I'm a bookkeeping for 15 years and you only close a request for payment, once a check has be issue. I was thinking maybe they closed the requisition to avoid paying me my surplus escrow payment and to cover up there mistakes. 
XXXX XXXX XXXX XXXX XXXX XXXX chk number no chk number & req supervisor Supervsior adv, she doesn't know when chk will be issue. I told her that I'm upset, not with her, but this was rediculious Requested to speak with a manager, someone high up and she told me there is no one.Also, this supervisor was not helpful and her tone in the way she talked to me rude. She seemed like she was an XXXXamercian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card. I see that instead of pulling my credit one time, they pulled it twice. Once on XX/XX/year> and the next day, on XX/XX/scrub>XXXX I did not apply twice.