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

Hi, My name is XXXX XXXX. I had a credit card with JP Morgan chase. Back in XXXX they shut my card down for no reason. At that point my balance was approximately {$3000.00}. I called them and asked to push off my payment due to losing my job because of COVID. They told me on the phone that they can push it off for 3 months without any late fees or reporting it on my credit score. After 3 months I paid the card off in full. I was then told that I had accumulated about {$190.00} in interest and late fees. I was forced to pay this since it was hurting my credit score. This is completely unfair and Id like to get the {$190.00} back. 

Thanks
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX 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

I am a patient of XXXX XXXX, Michigan XXXX XXXX since XX/XX/XXXX, I had visits every other month, I have XXXX XXXX Health care insurance, the insurance paid every single charge since then except one visit in XXXX, it seems the Doctor office did not submitted it on time, or they did not bill it in correct format. I was informed about this charge around the end of XXXX, I contacted the DHS case worker, she told me to ask the Doctor office to submit the claim again and she will pay it, I contacted the billing department and asked to submit the charge again. However I received few statements from the doctor office for a charge of {$120.00} dollar, I contacted the office every time I got statement for the doctor office, and asked them to bill the charges again. It look like they did not submitted again. Sometime in XXXX I received statement from Merchants & medical Credit ( Collection Agent ), I called them and explained to them what happened. I received few calls from them since then. Every time they called we went through the whole issue again. I found out that on XX/XX/XXXX they reported this issue to Credit Bureau, I called today, They said they received this case in XXXX, I was late for them to submit the charge to insurance, and the doctor did not.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfacation with the continued inaccurate reporting by XXXX XXXX Account Number : XXXX on my credit report. Despite filing a detailed complaint regarding a inaccurate and inconsistencies, it persists in reflecting on my credit profile. This marks my third dispute concerning this matter, and I am deeply troubled by the lack of resolution. 

It is imperative to note that the inclusion of this account on my credit report is both misleading and detrimental to my financial standing. As such, I am formally requesting the escalation of this issue for thorough investigation and prompt resolution. Additionally I Insist on receiving verifiable documentation to substantiate any reported late payments associated with this account. 

I implore you to take immediate action to rectify this situation by either providing irrefutable evidence or expeditiously removing the inaccurate information from my report or removing the account as a whole from my credit report. I trust that you will uphold your duty to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this ongoing issue. 

Attached is my identification and a sworn affidavit to ensure my identity.
Product: Vehicle loan or lease

In XX/XX/XXXX a person claiming to me bought a car at CarMax in XXXX, FL. I did not know of this until XX/XX/XXXX when I was notified of an eviction from an apartment lease. Once finding out that my identity had been stolen I immediately filed an FTC report and notified the XXXX Police Dept. Since this time I have contacted all three credit reporting agencies to dispute the accounts as not mine based on identity theft, but Carmax always veririfies the information. 



Attached is my FTC Report.
Product: Debt collection

Waypoint is affiliated with XXXX and has reported that I owe an illegitimate debt of {$200.00} to all three credit bureaus for unreturned equipment. XXXX and XXXX have conducted an investigation and have both deleted the collection from my report. XXXX was also disputed but did not remove the collection from my account. I filed a second dispute ( both times providing documentation of the returned equipment ). I requested that this company provide proof of the debt but they have not produced any information to date. This is a erroneous claim that was settled well over 2 years ago and should not be suddenly popping up out of thin air and damaging my credit.
Product: Debt collection

I sent letters out to XXXX XXXX to verify the the account with the original documents to verify the account in which they could not produce. When I called to verify the supervisor said he will not accept my terms now they are calling me and harassing me saying I must pay must pay on this account or I will go to court. 
I paid off one account in XX/XX/XXXX in which the agent said if I pay it will be deleted off my credit report and as off XX/XX/XXXX my credit report still has Collection Agency XXXX XXXX XXXX  Original Creditor 01 XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$530.00} In which it was stated that it will be deleted but it has not and when I asked to verify the second account with the original document they couldnt. Information is listed below XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00}
Product: Credit card or prepaid card

I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!
Product: Vehicle loan or lease

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time yet there was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus and the company as well requesting a complete payment history with this account for me to review the exact date on which the repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned XXXX. There was definitely an error on their part. There was definitely an error on their part. The company is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( SANTANDER CONSUMER USA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that i have never opened cor applied for credit with. I contacted the companies (
XXXX, capital one & XXXX  ) directly as well as XXXX XXXX  amd XXXX.

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Product: Credit card or prepaid card

I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.
Product: Debt collection

I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have a vehicle through Exeter finance and I have had bad experiences with the company. The company is very poor at customer service. I had an issue with my car it got reprocessed. They sent the car to XXXX Georgia for auction not even a day after reprocessing it. I called and I paid up to {$3000.00} to get my car back and still had to travel 4 hours to get my vehicle. I called today about my payment for Friday, the first thing the rep brings up is the broken promises on my account. It has just been a negative experience dealing with their customer service and their company.
Product: Vehicle loan or lease

At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The company in question : Credit Acceptance E Corp Purchased vehicle : ( XXXX XXXX ) Date : XX/XX/XXXX made on-time payments each month til XX/XX/XXXX. 

During such time, the engine went out in the vehicle. I voluntarily returned the car ; via being towed after an assessment was determined the vehicle would need an engine replacement. Upon returning the vehicle, the dealership returns {$3500.00} cash back to me in good faith. Unfortunately, the dealership is no longer in business, yet Credit Acceptance E Corp did receive the vehicle back and was able to make additional monies off the vehicle. In regards to my credit report, the reporting of this particular issue continues to disappear and reappear, also payments and the amount owed changes as well. I would like this account completely removed from my credit report until Credit Acceptance E Corp answers and replies in making this matter correct. I never refused to return the vehicle and I was told by the dealership that this would not be considered a repossession.
Product: Debt collection

I sent a letter via certified mail to Diversified Adjustment Services in response stating I owed a debt. I asked for validation of the said debt, explanation of the debt via. I never received a response from the company. I sent a second letter via certified mail and still did not receive anything. Diversified Adjustment Services has now put a collections note on my credit even though I still don't have any validation of the debt.
Product: Debt collection

The XXXX  XXXX has been fraudulently submitting charges. I had a cop magnet placed next to my license plate in order to prevent fraudulent charges I was aware started happening around XX/XX/2021. The photos taken of my car entering and exiting toll booths does NOT display the cop magnet I placed if looking from the rear of my car the magnet was placed to the left of my license plate. The magnet does NOT appear in any photos. This has been occurring since XX/XX/2021.
Product: Bank account or service

On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why isn't Equifax following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts.

Equifax identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I never received a letter of validation for the record at all and Equifax is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts D
ELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XXXX 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 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. 

XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report due to my victimization in a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these fraudulent items to be removed, as they were opened without my knowledge or consent. 
Account to be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$9000.00} Inquiries to be Blocked and Deleted : XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX JENKINS & YOUNG P.C, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK case XXXX. IS SUEING ME FOR A DEBT THAT HAS PASSED THE 4 YEARS LIMIT. THIS INFORMATION WAS INCLUDED IN DOCUMENTATION THAT THEY SENT SHOW LAST PAY DATE.
Product: Credit reporting or other personal consumer reports

Still receiving BLNK error message and blank credit report.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XXXX XXXXXXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Account opened XX/XX/XXXX Balance {$1100.00} Hard Inquiries XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX DT CREDIT Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX