23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 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
Product: Credit card or prepaid card

To whom it concerns 1- What is the complaint about! 
XXXX XXXX XXXX in XXXX, NJ closed my account for having my Home-Depot card on time payments of XXXX per month. I started the payments 6moths ago and never missed one payment. XXXX XXXX is the bank that Sears uses for credit card holders. 
My payments to my credit card is impeccable for years. 
What Happen! 
I received a notification from Sears that they closed my account because of time payments to Home-Depot. I called them ( SEARS ) and asked why and they said because of Home-Depot. I owed Home-Depot {$250.00}, I paid them off today, I no longer owe them anything. 
What company is this complaint about! 
The complaint is about XXXX XXXX XXXX, XXXX, NJ Who are the people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX  Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX ) XXXX
Product: Student loan

I was paying off my student loan regularly and on-time. When I lost my job I applied for deferral from JP Morgan Chase ; I was denied and given the run around and vague explanations from the Student Loan department. I kept calling and trying to talk to someone about how it was currently impossible for me to make my loan payments and meet a minimum standard of living and was ignored and told to make my payments. With no other recourse left my loan defaulted and was sent to a collection agency. I was able to get another job and worked with the collection agency on a reasonable payment plan. Recently, Chase purchased back its student loans from the debt collector and cancelled my payment plan on the grounds that it was " unfair '' if all debtors did not have the same repayment plan. When I asked what my options were to get this resolved I was quoted a monthly payment of approximately {$600.00} or a XXXX time lump sum payment of {$8000.00} ; neither of which is possible for me at this time. When I explained this and asked what the next steps were I was told that I was not " authorized '' to know this information or timeline but that " further action '' would be taken in the future. My credit has been destroyed and my efforts to work with Chase have been denied and belittled at every turn. I have never been late paying my government student loans and would just really like to be able to get this JP Morgan Chase loan out of my life. It is not only a stress on my finances but my interactions with Chase have caused me undue emotional distress as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX  XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Debt collection

Jefferson Capital Syst attached a fraudulent account to my credit report. I am the victim of identity theft ( major data breach from credit reporting agency ). As a result of identify theft, an unknown individual opened a XXXX account in my name ( I would not open a XXXX account because I have iPhones, tablets, and other devices through XXXX XXXX XXXX since XXXX ). This unauthorized XXXX account was removed from my credit report in XXXX. However, when Jefferson Capital purchased this account from another debt collector, this account reappeared on my credit report recently. Jefferson Capital needs to remove this account from my credit report since it has already been documented that this account was created through fraudulent activity. Based on these unethical practices, I am currently investigating legal options.
Product: Credit card or prepaid card

After review of my billing I noticed I am being charge two ( 2 ) different interest rate on one balance. One for Interest charge on purchase and one for " Protected Balance '' which I was told was a balance due from last year. This is two different interest rate on the same account with one balance. How can a store credit card be allowed to charge two interest rates on one balance. I don't believe this is legal.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Student loan

I had 2 student loans which are been paid off by a settlement by NAVIENT SOLUTIONS , LLC The U.S. Department of Treasury, Bureau of the Fiscal Service ( Fiscal Service ), applied my Internal Revenue check for the amount of {$5000.00} on XX/XX/XXXX To cover my debt to the following agency : The U.S.DEPARTMENT OF EDUCATION EDUCATIONAL CREDIT MANAGEMENT CORP. 
XXXX XXXX XXXX XXXX MN XXXX Then Navient kept calling me claiming that they had one of my student loans and my taxes were applied to only one of my student loans and that I need to pay them for my second loan. 
They send me a letter offering me to settle my account for {$430.00} and I made two payments to cover this amount one was on XX/XX/XXXX for {$250.00} dollars and the second one was made on XX/XX/XXXX for {$180.00} to complete the {$430.00} But now another company called XXXX is claiming that they have my student loan I call and told them my student loans were already paid off, and they told me to fax them my documents the proof of what I said to them by phone, and I did now they send me another letter to let me know that my student loan was transferred to another company and that I need to wait for them to contact me. Because they can't help me any longer.
Product: Credit reporting

Despite my repeated requests for them to do so, EXPERIAN refuses to delete outdated, inaccurate accounts containing numerous errors and issues of ownership stemming from an acrimonious divorce dispute with my former spouse. Specifically, they continue to list judgments from XXXX XXXX from XXXX XXXX BANK and XXXX ; a repossession/late payment account with XXXX ; XXXX " charged off '' credit cards with XXXX ; a collection account with XXXX XXXX XXXX ; and lastly a collection account with XXXX XXXX. In addition, they also refuse to delete an outdated account with XXXX which contains numerous errors as well as an inquiry XXXX XXXX made on XXXX/XXXX/2014 without my authorization or knowledge.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report.

Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Chase has mishandled this case. They allowed XXXX to take XXXX out of my debit card and have failed to reverse it to my account. A complaint was filed with Chase but Chase failed again to properly credit my account. I had XXXX enter my computer remotely to repair XXXX XXXX. The tech claimed he had to remove it and replace it to fix the problem. He removed it and left the computer and never returned. I was left stranded without the word program during the midst of my workday. I emailed repeatedly to XXXX and they even used the tech 's name but then failed to respond to the emails. I then was directed to the XXXX store and began a chat explaining the problem. The Chat directed me to download a particular office program and I had to enter my card but they promised XXXX would credit it. 

They charged approximately {$75.00}, {$8.00}. and {$100.00} to the debit card. Chase then credited the charges and then reapplied just the charge for {$100.00}. .Chase gave me numbers for microsoft and I had already tried those same phone numbers and they have not worked for the past three months. 

There is no means of getting a live person at XXXX to credit my account. I have written multiple emails to which they fail to respond. This is the ressponsibility of chase to credit my account. chase tried to get out of it and continuously directs me to XXXX. 

It is time Chase began to assist their account holders and provide them just credit.
Product: Debt collection

This is a written demand to ceo XXXX XXXX that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, securities, and consents there of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/2021 I was trying to add my moms authorized user credit card into her XXXX XXXX XXXX. Immediately got a fraud alert on my phone that somebody was using my card. I called and provided asked information and was told by supervisor XXXX that the information is not sufficient to unblock the card.I asked to speak to a supervisor in the XXXX, she said they were doing an upgrade and asked to call back. Reached out to customer service via app they were not able to help. I am currently on vacation overseas, XXXX told me to get a letter from the bank to get verified. This is not acceptable I want me and my mom to be able to use cards. I did not provide them any wrong information to not to have my card unblocked. Please help.
Product: Debt collection

Received a letter dated XX/XX/2023 from Stillman Law Office ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX ) offering an opportunity to settle a balance due of {$10000.00} with a creditor " XXXX  ''. They instruct me to call their office to settle the debt. 

I do not currently, and have not previously had any account or debt with any company named " XXXX '' No such debt is present on my credit report either so I can only assume this is some sort of scam.
Product: Checking or savings account

I have been getting charges to my business checking account at wells fargo, the charges are from XXXX XXXX and XXXXXX/XX/XXXXwhich are not authorized and are payment to someone elses credit card accounts. I have filed claims with wells fargo and have not received back the money fraudulently charged to my account. the fraud prevention texts recieved which asked if the charges were authorized were responded to as not authorized but the charges were still processed. even after filing the first claim on XX/XX/scrub>/25, there has been 2 more charges processed by wells fargo for fraudulent charges overdrafting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when i recently reviewed my credit report and found LATE payments on the dates below : Creditor : Midland Mtg/Midfirst Acct # XXXX I was never late 30 days late in the months of XXXX and XXXX. 

I'm not sure how this happened, I have always made my payments on time when i received my statements.My only thought is there was a billing error with my statements. Or recent statements going to and old previous address.
Product: Credit reporting or other personal consumer reports

Checking my credit report today, I found an unauthorized inquiry that I can not explain. I always monitor my report, but this unexpected issue has left me confused and concerned. I refreshed my browser several times, hoping it would disappear, but it did not. I am beyond frustrated with this situation and request an immediate review of my submitted documents to put this matter to rest once and for all.
Product: Debt collection

I am being harassed by First Source Advantage LLC. for payment on a credit card that I am making with XXXX XXXX for $ XXXX/month. I have written letters showing I am making these payments
Product: Credit reporting or other personal consumer reports

The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.
Product: Credit card or prepaid card

Our credit card was used fraudulently to make charges at over 3 stores totaling over {$14000.00}. Though we have disputed the charges twice and spoken to their fraud department on several occasions, Chase is failing to clear the transactions. On XX/XX/2021, our card was used at XXXX  Store # XXXX in the amount of {$1200.00} ; XXXX XXXXXXXX XXXX XXXX in the amount of {$4100.00} ; XXXX XXXX # XXXX in the amount of {$9000.00} ; and others. We have since filed a Fraud Report with the FTC and a crime report with the XXXX Police Department. 

These 3 charges were made on the day of XX/XX/XXXX prior to around XXXX at which time we received a text message about possible fraudulent activity at XXXX XXXX XXXX in the amount of {$2900.00}. We replied " NO '' to the text that this was in fact not us using the card at which time the card was canceled. 

It was not until we received our statement that we found the additional charges mentioned above. Chase failed to notify us of the extremely large charges made prior to this. Chase has not been responsive in assisting us with our claim of unauthorized transactions.
Product: Credit card or prepaid card

I used my Navy Federal credit card while traveling out of the country at the airport in XXXX on XX/XX/XXXX and returned on XX/XX/XXXX. Upon my return I found the following charges on my credit card. 
XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. XXXX I proceeded to call Navy Federal Credit Union to file a fraud claim about the charges on my account and I was told to destroy the card and another card was sent to me. I waited a few months and called back in XXXX since the charges were still showing on my account. I was then told by the representative that the first agent I spoke to on the phone forgot/failed to file a claim in XXXX. She proceeded to file a claim and then told me that the charges would be removed including the interest and late payment charges. 
The charges were removed only to later show up with a letter stating that they have evidence that it might have been me. I asked for the evidence and they refused to provide it to me. I then sent a PDF of my itinerary showing that I was out of the country and also provided an incident report from the police department in my city. They later denied the review stating that they were authorized over the phone but refused to provide the phone number used for the phone authorization. 
I asked for a new investigation since they failed to file a claim and follow up on the fraudulent charges for months but they told me I have to go to court and get a subpoena to get report from each merchant involved in this case. I am absolutely devastated as this charges are currently affecting my credit score thereby affecting my business and finances. 
I would appreciate your assistance in resolving this matter. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality.

Despite explicit requests for reinvestigation directed at Transunion regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for
individuals.

Thank you for your immediate attention to this pressing issue.