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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have an American Express blue business plus card. They advertise receiving points on purchases. In their initial advertisement there was no discussion of or link to limitations as I recall. However, upon accessing the website and trying to redeem points. None of the points were redeemable, which is totally misleading. to my recollection, no limitations were discussed. this clearly appears to be deceptive practice to get people to utilize their card, thinking that they are going to earn points that are redeemable but which in fact are not redeemable. The attached page shows absolutely confusing and misleading information. You can not ascertain as to what points you can receive or redeem. One part of the documents is there XXXX points to redeem. however, on the actual website. It shows that t I have some XXXX or so points. this is totally misleading. When I try to print the page which showed the inconsistency, the only information which printed was on the attached document and was not a complete reflection of the data on the website page. This clearly appears to be in attempted to mislead people into thinking that they are earning points by using the card when fact they are not earning those points. please note that I have previously filed a complaint regarding their deceptive advertising for their American Express business plus card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX " Child support Court '' has issued an late payment to my credit report for the total amount of {$420.00} without rendering me a fair chance of making the payment. My obligation of payments are $ XXXX  monthly which has been paid aggressively on time since 2007. Also! By law, late payments aren't allowed to be reported to the Bureaus unless amount owed are in the rears of an substantial amount or payments are neglected.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXXXXXX Balance {$5500.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX XXXXXXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Product: Debt collection

I had a negative paypal balance of XXXX . stopped using paypal for awhile check the account maybe a week or 2 later and my new owed balance was XXXX XXXX .I then received a debt colletion letter in the mail from paypal of XXXX XXXX XX/XX/XXXX. I believe this debt to be wrong I dont even know how I could accumulate this amount owed on paypal and would like to dispute it.
Product: Credit reporting or other personal consumer reports

Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX : XXXX XX/XX/XXXX- XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

Lazega & Johanson Attorneys at Law violated my consumer rights on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law violated my consumer rights again on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law are also in violation of my consumer right 15 USC 1692f Unfair Practices. The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Me being the consumer I did not agree to pay any fees outside of the debt and or interest and I would like all of my money back that is outside of the debt. The {$110.00} in interest, {$33.00} attorney 's fees and {$600.00} in litigation expenses. These fees or not included in the original debt and Me the consumer is not liable to pay this debt 15 USC 1692f and I demand my money back from Lazega & Johanson Attorneys at Law since they continue to violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

I have applied for a Discover credit card multiple times over the past several months, and each time my application has been denied. I have not received any clear explanation from Discover regarding the reasons for the denials. These denials have occurred despite my having a good credit score and a stable financial history.
Product: Credit reporting

I beilve I have been impacted by the hard inquiry glitch issue that has been affecting transunion, I have made numerous attempts to have these inquiry 's removed from my report as to I have not inquiried for the credit there stating I did, I have no gave my consent for these company 's to inquire credit on my report, I have listed below the inquiry 's that were fraudulently placed on my credit file XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX CBNA/sears. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer.

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account which I previously disputed and I got no response on the issue it is marked not paid and or charged off which is not true see letter attached
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1. On XX/XX/XXXX, I sent a certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, disputing adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 2. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 3. Under the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), CHASE CARD was required by law to place a " notice of dispute '' comment on my account with all of the credit reporting agencies they report to within 30 days of receiving my dispute ( in this case by XX/XX/XXXX ). 4. On XX/XX/XXXX, well after the required 30 days, I pulled new credit reports from all 3 credit reporting agencies ( XXXX - Report Number : XXXX, XXXX - Order Confirmation : XXXX, Report Confirmation : XXXX, and XXXX - File Number : XXXX ), and noticed that CHASE CARD had never placed the notice of dispute comment on my account with the credit reporting agencies, as required by law. Therefore, by law, they are required to remove the adversely reported information that was in dispute. 5. On XX/XX/XXXX, I sent a new certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, notifying them of their violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), and instructed them to remove the adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late inXX/XX/XXXX, as required by law. 6. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 7. On XX/XX/XXXX, CHASE CARD responded to me and stated they " can not delete the information from my credit report because it is correct ''. 8. Whether the information is correct or not is irrelevant at this point. Since they did not mark my account as in dispute on my credit reports within the 30 days as required by law, they must delete the adverse information. 9. To date, CHASE CARD has not deleted the adverse information on my credit reports as required by law for failing to mark my account on my credit reports as being in dispute within 30 days of my notice of dispute.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

For the 4th time ( if not the 5th ) Chase allowed someone holding a fake ID to withdraw cash from my checking account, despite the fact that I've asked the Bank multiple times to protect my account by adding a flag to my account indicating historical fraud activities, adding a verbal passcode for counter services, and changing account number as suggested the banker -- - none have worked. Below is the timeline : On XX/XX/XXXX, someone withdrew {$3800.00} using a withdraw slip from my checking account. Discovered on XX/XX/XXXX and called Chase, filed a claim with claim number XXXX ; Followed up with Chase at the beginning of XXXX, met a banker at the branch and showed my ID ; Called Chase on XX/XX/XXXX for status update, was told it is still in investigation, and I needed to wait 5-8 business days ; Called Chase XX/XX/XXXX again for status update, was told I need to go to branch again for submitting photocopy of my ID, then I need to wait another XXXX days ; Visited Chase branch XX/XX/XXXX, asked a banker to copy my two forms of ID, was told it will take UNKNOWN period of time for them to complete the investigation. I told the banker that " XXXX business days '' is what I heard from the phone. The banker then ask me : who told you XXXX business days? do you have the name of the person who answered your call? 

I have to file this complaint on the : 1. the lengthy investigation period with XXXX communication. 
2. lack of controls ( if exists ) to prevent fraudulent activities on my account. 

Checking account number : XXXX Asking for official explanation on : 1. Why didn't Chase bank prevent such incident from happening again and again? 
2. What exact controls do we have as a Chase customer to prevent cashing from the counter? As I mentioned above, " adding flag '' and " adding passcode '' did not work at all, although these controls were suggested by a Chase banker. 
3. What took so long for the investigators to complete their work? My two forms of ID have been provided to Chase back in XX/XX/XXXX when the 1st incident happened.

4. Why there was XXXX communication from the Bank during the investigation period? No email, no mail, no messages in the Chase app. 

Hoping from hearing from the Bank soon. Thank you for your assistants in this matter.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed an account that was not reporting accurately. I have 1 late payment on the account that I was in fact paid on time. The consumer credit 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>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

MCM # : XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CAPITAL ONE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.