23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX  in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your XXXX XXXX IN CO and XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX5 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
Product: Student loan

All calls to phone number XXXX and cosigner XXXX should have cease and desist. I wrote Navient on date XX/XX/XXXX with correspondence sent through the mail. Navient received the correspondence on XX/XX/XXXX according to USPS tracking but ignored my request. Navient is in violation of my cease and desist request. Navient made phone calls the co-signer on the account on XX/XX/XXXX she received four calls and one more the following day on XX/XX/XXXX. The co-signer was again harassed on XX/XX/XXXX by a Navient debt collector. According to the CFPB when a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that : The collection effort is being stopped. 
Certain specified remedies ordinarily invoked may be pursued or, if appropriate, that a specific remedy will be pursued. Mailed notices from the consumer are official when they are received by the debt collector. 

The co-signer on the account reminded the debt collector from Navient of the cease and desist letter and they continue to ignore us. We received more calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I requested that Navient can only communicate with us via the mailbox. They continue to ignore my request by contacting us via phone.
Product: Credit card or prepaid card

I was sent card in the mail from Milestone. I did not apply for this card and when I called to cancel it I was unable because I dont want to give my personal information in order to talk to someone I was OBLIGATED to give my Social Security number when I told them I will give them the card number and you can confirm what you have on file as I dont want to give out any more information to strangers I was told NO. I dont want this card or need this card. 
I need it cancelled ASAP.
Product: Credit reporting or other personal consumer reports

TransUnion has reported multiple inaccuracies on my credit report related to student loan accounts from DepEdXXXX and the U.S. Department of Education. This reporting fails to meet the Fair Credit Reporting Acts requirements for accuracy and adherence to consumer rights ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ), resulting in unauthorized, harmful information remaining on my record. TransUnions responsibility to maintain complete accuracy, as emphasized in XXXX XXXX XXXX XXXX is essential to protect consumers from adverse credit impacts. I request an immediate deletion of these accounts from my report and written confirmation once this correction is finalized, ensuring my report reflects only verified information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violat my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I ha the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cann furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : N consumer reporting agency may make an consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall r furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXXXXXX Date : XX/XX/23 Action : When contacting Transunion to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XX/XX/XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXXXX/XX/XXXX XX/XX/year> :XX/XX/XXXX XX/XX/year> : XX/XX/XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion and XXXX are reporting late payments from XXXX  on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Product: Credit card

I applied for a card with a balance transfer offer. After the balance transfer I was charged interest. Company has been back and forth for a month trying to resolve the issue I have not received a response. I am still being charged interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : Account XXXX  XXXX - XXXX. Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Hospital is reporting incorrectly to Experian a collection in the amount of {$910.00} on the XXXX XXXX XXXX HOSPITAL partial account number XXXX. ( Please see page 22 of the attached credit report. ) I never gave the animal hospital permission to exceed a certain dollar amount to provide comfort care for my very sick animal. The animal hospital took it upon themselves to perform heroic measures that unfortunately did not help, and my animal passed away. I did not authorize the extended medical treatment. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit card

Bank of America kept me on hold for over 40 minutes and refused to close my without giving them a reason. It was a lot of hoops to jump through. I basically felt like I was being held prisoner by Bank of America.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUFIAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.
Product: Debt collection

I have never been related to any account own or authorized to XXXX currently or in the past years, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.
Product: Payday loan, title loan, or personal loan

Hello. My discrepancy is with XXXX 's XXXX XXXX program. Earlier this year, I used their services and received several emails requesting new business. I referred an individual, whose loan was approved, within their time frame, with a {$150.00} referral link. I have reached out many times to XXXX 's Support Team, Payout Team, Customer Service by telephone, etc., only to receive automated emails. In my XXXX 's XXXX XXXX, I have met the identity criteria, added my bank information and it is noted as approved. When I click on the dollar amount, it shows my referral approved date as XX/XX/2021, along with " in review. '' Further, XXXX 's terms note that the payout is made 30 days after approved, the XXXX of the following month. The Referral Payout amount has never been deposited to my bank account and seeking a resolution with them has been ineffective and exhausting. Therefore, I am requesting assistance to receive the Referral Payout Reward, as they promised. 
On XX/XX/2021, XXXX sent this email to me : Hello, Congratulations! Your XXXX XXXX application has been approved. Continue to watch your inbox for payment status. 
Thank you again for supporting small businesses! 
Many Thanks, The XXXX XXXX XXXX
Product: Debt collection

I thought they made a mistake and this must of been out on my credit report bye accident my lawyer sent XXXX letters and I havent hear a response have no opened accounts besides my XXXX XXXX in over 5 years
Product: Mortgage

I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Experian Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Experian has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Experian should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I received a letter stating that a new address was posted to my equifax credit file. The new address has an extra 2 digits after the first address line, this making it inaccurate. I called XXXX which was the number listed to call with a dispute or questions on XX/XX/18. I spoke with 5 different customer service reps who refused to fix their error until I supplied utility bills, etc. It is absolutely unacceptable to require me to provide documents to correct their error. I refused and they offered me nothing more than 40 minutes of wasted time. Incidentally, I know this is an error on their system and not in my lender 's data because every piece of correspondence from my new lender had my address listed correctly. My rights as a consumer should not be to correct their errors. As a data holder, they have the responsibility to correct their own mistake.
Product: Debt collection

Notice for Request for Documentation of Legal or Equitable Chose in Action and Immediate Deletion Dear XXXX XXXX and all Representatives of Portfolio Recovery Associates, Sent via fax # XXXX Sent via Mail # portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Sent via Email @ XXXX I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX, last ssn XXXX XXXX XX/XX/1983 Your company has been illegally using my personal property In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Copies of any contracts, agreements, or instruments related to the chose in action.

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics.

3. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements.

4. Pertinent correspondence, communications, or notices related to the chose in action.

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 days. If the full documentation is not confirmed I demand full deletion of any accounts under the trust property under XXXX XXXX XXXX from the XXXX credit bureaus as well and send full proof of the completion. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter. 
Sincerely, By : XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

see complaint id XXXX submitted to provide id theft affidavit
Product: Checking or savings account

This is an XXXX account with OptumBank. 

I discovered a significant amount of fraud on my XXXX account yesterday ( XX/XX/23 ). Over XXXX transactions, starting back in XXXX, totaling over {$5000.00} are fraudulent. I reported the fraud yesterday and requested the card be canceled. Additional chargers were attempted today ( XX/XX/23 ) and I called back to learn the first call did not close my card. I also learned that I should expect Optumbank to only go back 60 days on refunding fraud, as that is all that they are required to do by law. I told them I was going to dispute that and unfortunately for me 60 days would not get me to 50 % of the total funds stolen. 

I shared with them that I am disappointing that suspicious activity, like charges to retailers like XXXX, XXXX ( I trading card protector company! ), XXXX XXXX, XXXX XXXX engine repair, and XXXX ( an autoparts store! ) are not reported to me unless I monitor the transaction log. Also, disappointing Optum bank could not identify suspicious patterns like in XX/XX/XXXX individual transaction ranging from under {$5.00} to almost {$150.00}, totaling to over {$1200.00} at samsclub.com. Of those XXXX charges XXXX are under {$10.00} and occur in blocks of XXXX to XXXX charges a day. This is basic stuff that my credit cards report to my attention. I would think for an XXXX account these transactions would be even easier to identify. 

I am not sure how the card number was stolen, I am wondering if the breach was on their side.
Product: Debt collection

I got an alert on my credit report that a collection agency [ JFEFFERSON CAPITAL XXXX ] reported new debt. However, I have never heard of them, nor have heard from them. I have asked for a validation letter to verify the debt after I gave them my address. I have not received a letter and [ JEFFERSON CAPITAL XXXX ] hit my credit again, reporting a new debt for a second time. I'm pretty sure the tactics [ JEFFERSON CAPITAL XXXX ] has used is in clear violation of CFPBs Debt Collection Rule under the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}