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

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXX NEITH WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Product: Debt collection

We had a lease with an apartment complex that we had to get out of because we couldn't pay for it. We negotiated getting out of the lease, got a sub leaser, cleaned the apartment and left. There was a collection put on our reports after the fact for XXXX. This was far more then even the remainder of time on the lease and they have not sent us a breakdown of whats owed and why. We have attempted to get this removed by going directly to the company in question but have had no success.
Product: Credit card or prepaid card

CHASE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CHASE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. My Credit Card was opened under an open ended consumer credit plan, which means the account was paid in full upon the opening of the account. Therefore, they have taken my funds and closed my account without my authorization. Their cardmember agreement has violated federal law by furnishing deceptive forms and deceiving me ; the consumer. I demand that CHASE BANK reopen my account after violating my rights as a consumer and stealing from me by withholding the funds I've transferred to them through the extension of my credit.
Product: Vehicle loan or lease

Called ally finance about gap and warranty protection plan found out I never been enrolled by XXXX XXXX XXXX XXXX. Warranty dept and national warranty said I had to talk to dealer why they never enrolled me. Called XXXX XXXX and 2 other numbers. I got a call from a number that just things and did not leave a message I need my products registered or money back I just need my money back since XXXX XXXX never enrolled me
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Navy Federal Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

I have   XXXX   derogatory account claims on my  XXXX ,  XXXX , and Equifax credit report accounts from   XXXX   XXXX   XXXX  . After carefully reviewing this information I realized that these  XXXX    XXXX   XXXX   XXXX   credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on Federal and State of Florida Statute Of Limitations. I have reached out to all   XXXX   credit bureaus and filed disputes and have asked   XXXX   XXXX   XXXX   as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX   has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All   XXXX   reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to   XXXX   XXXX   XXXX   via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from   XXXX   XXXX   XXXX   for each letter. The document labeled as  XXXX -Letter1-Info.pdf is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX -Letter2-Info.pdf is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Product: Credit reporting or other personal consumer reports

I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under XXXX XXXX, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.
Product: Debt collection

I don't recall having a contractual relationship with ADVANCE BUREAU OF COLLECTION Account Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You requested that we investigate an inquiry placed on your personal credit file by Credit Acceptance. Please be advised that Credit Acceptance will only make an inquiry on a personal credit file when it receives a request for automobile financing through a Dealership that offers financing through Credit Acceptance. '' This is a direct violation of my rights under FCRA 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Im writing this matter myself without the assistance of any third party. I hereby now will proceed with my dispute. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX  XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX. Account # : XXXX, has violated my rights. 

The Creditors and Credit Reporting Agencies ( EQUIFAX, XXXX XXXX, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and Im not because my personal information is being reported to consumer reporting agencies without my written consent. Im not secure within my papers and that's a violation of my fourth amendment right. Further, 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act states I have the right to privacy. Im being taking advantage of and I highly feel the listed creditors and the credit reporting agencies are conspiring against my rights to injure me as Im currently injured due to my right to privacy being breached. Im being deprived of my rights and I'm being treated unjust. The creditors listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( EQUIFAX, XXXX XXXX, and XXXX ). 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are doing to me as I did NOT authorize, nor give permission, nor did I provide written consent to any persons to furnish accounts. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. My consumer report by law shall not contain any of the listed accounts that I have listed above. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Flagship credit Acceptance po box XXXX XXXX, TX XXXX Dear Flagship Credit Acceptance, I hope this letter finds you well. I am writing to you today in the hopes of appealing to your goodwill and kindness regarding an issue that has been weighing heavily on my financial standing. 

In XX/XX/XXXX, due to unforeseen circumstances whereas I lost my job a few months prior in XXXX. I struggled to obtain unemployment, new employment, and pay rent which led to my vehicle being repossessed. Since then, I have taken significant steps to rectify the situation and improve my financial stability.

Despite the challenges I faced, I have started a new and secure job, a side business and have moved back home with family to create a more stable income for myself until I feel fully confident to get back out there. Through dedication and perseverance, I have made significant progress in rebuilding my financial health.

I am reaching out to you today to kindly request your assistance in removing the repossession from my credit report. I understand that it was a result of financial hardship, and I take full responsibility for the situation. However, I believe that the removal of this negative mark would greatly benefit my efforts to move forward and rebuild my creditworthiness.

I sincerely hope that you will consider my request. I am committed to maintaining positive financial habits and ensuring that I fulfill all my obligations moving forward. Your understanding and support in this matter would mean a great deal to me.

Thank you for taking the time to review my request. I look forward to a favorable response. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX  payments for those accounts.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized, and I am a victim of identity theft. I did not give these companies permission to run my credit. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX inquires on my credit report for auto loans that I didnt authorize. Also credit cards in my credit thats not mines and it affecting my credit. Bankruptcy on my credit report and student loans thats affecting my credit.
Product: Credit reporting or other personal consumer reports

please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

Barclays Bank Delaware, XXXX XXXX and XXXX XXXX are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered Income by the IRS according to IRS 2023 Publication 4681. Income is not to be reported on consumer and credit reports. 
I would also like to point out Barclays Bank Delaware, XXXX XXXX and XXXX XXXX  are in breach of their Fiduciary Duties to me by failing to send me my copy b of form 1099-c among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating FCRA15 USC 1681a, it is illegal to report transaction history.

Furthermore, according to their own SEC filings under 17 CFR 424 Barclays Bank Delaware ( XXXX # XXXX ) XXXX XXXX ( XXXX file # XXXX ) and XXXX XXXX  ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per 16 CFR 433.3.
Product: Credit reporting or other personal consumer reports

've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

With XXXX XXXX  a fraudulent check was deposited into my account via mobile deposit which wasnt made by me my login information was compromised my phone which is unlocked with no password was lost and stolen and I had to get a replacement phone and after that happened fraudulent activities has occurred on my account and now visions XXXX  has reported that debt as a collection on my report and it dose not belong on there and it wasn't done by me because as I stated I was a victim of identity theft.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.There saying I owe {$430.00} which there's no way I'll owe that if I never withdrawed that out of the account please remove this unlawfully charge off immediately off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have stated over five or more disputes, XXXX XXXX does not have the correct dollar amounts shown on my credit report. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please remove XXXX XXXX from all three credit bureau reports for the reason of inaccurate reporting. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.
Product: Credit card

I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed same accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be fraud due to identity theft. The disputed accounts do not belong to me. Please remove these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days 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. 

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
Product: Debt collection

Fabco has violated 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, and FCRA laws. I am urging the Consumer Financial Protection Bureau ( CFPB ) to conduct an investigation into this company 's actions. Additionally, I am requesting a monetary settlement and the removal of the items from my credit report. Notably, the account went to a XXXX balance on XX/XX/2024, but without prior notice, it was later reinstated with a balance of {$2900.00}. This lack of communication is unacceptable and further highlights the company 's disregard for fair practices.
Product: Student loan

I have been working with Navient to reduce my loan Payments for the last two years. My original payments were {$220.00} a month which I was having trouble making. I called Navient to see if I could reduce the payment and they offer a payment driven plan stating that it would decrease the amount. This was in XX/XX/2015, the amount increased to {$270.00} which they knew I could not afford. I communicated back and forth for months, and they kept saying that they could put it in forbearance and how I could try the payment driven plan again. After the time ran out the amount increase to {$660.00} a month, which is impossible for me to pay. Now they are saying my only option is to consolidate my loan. Now I believe the loan is in default. Now I send what I can.