23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

About two months ago a Prebiotic powder was delivered to my home which I did not order from Amazon. Amazon sent me a return label and I took it to XXXX for return. I called confirmed it was returned and that I would be credited. The next month the same product was delivered again this time I returned it to XXXX XXXX. I called Amazon again and confirmed it was received and my account would be receiving a credit. Two days ago I got an email from Amazon stating I owe {$60.00}. I called and requested fraud department the representative would not assist stating I have to call Amazon. I explained to the representative that I have already made several calls and was assured my balance would be credited and my card would be back to XXXX balance. I am getting the run around with no resolution. I never ordered the Prebiotic powderbor XXXX.
Product: Credit card or prepaid card

I have had this Chase XXXX for many years. Recently, approximately within the last year, I started seeing offers on my billing statement. These were " My Chase Plan '' offers. 
The offer was/is a pay over time plan. I used this " Plan '' a few times. there was no charge or a small monthly charge. My current " Plan '' I used to pay over time a XXXX XXXX XXXX premium. ( {$400.00} ) over 6 months at {$1.00} monthly fee. 
All well and good up till now. 
On or about XX/XX/XXXX Chase sent me an email saying I could put {$10000.00} on my credit card ( Ch XXXX ) and pay no interest until XX/XX/XXXX. As I have been having some financial issues of late, I took the offer understanding that there would be a one time {$500.00} fee. 
What I did not understand, what was not made clear to me and what I find deceptive and fraudulent is that I will always have to pay interest on the My Chase Plan balance as well as any other charges on that card at 17.49 %. Only if I pay {$10000.00} by XX/XX/XXXX can I avoid interest charges. 
Chase designed this interest trap and is perpetrating on its customers.A Chase supervisor explained this to me yesterday and said that the disclaimer read to me by the fast talking lady on the recording may have mentioned this and that I would never be able to avoid paying interest until the {$10000.00} was paid off Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is XXXX.
Product: Credit card or prepaid card

Company never issued a card - The bonus promised was never given, America 's most convenient bank yeah right
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a note on my TransUnion credit report on XX/XX/2022 stating that an account was opened XX/XX/2022, that there is an open balance of {$880.00}, and that it has been placed for collections. The original creditor is stated as being XXXX XXXX. This is not my debt. It is not listed on any other credit report and I have no idea what it is referring to. I did not enter into any new credit agreements or services in XX/XX/2022. Due to security breaches in the past, I am alerted to whenever a new report appears on my credit. As soon as I was notified of this false report, I initiated an online dispute per TransUnion instructions. TransUnion failed to properly investigate this debt and simply sent me an emailed report finding the debt valid. I am unable to contest the debt with the creditor, myself, as there is not enough information for me to find them. I have attached a screenshot of the report, which is my only documentation. Again, this is not my debt. 

I have also done some online research, and XXXX XXXX XXXX seems to have a pattern of putting fraudulent reports on people 's credit reports and when people are desperate to buy a house or car, they squeeze the people to pay the debt even though it is not theirs. This is definitely not my debt. XXXX XXXX XXXX should also be investigated. However, TransUnion should know that a report by this company is not valid.
Product: Debt collection

I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX : {$110.00}
Product: Student loan

I am a 32 years of service retired educator of public schools. My loan was recently transferred from XXXX to Mohela. XXXX had my total number of payments for PSLF at XXXX. I had XXXX continuous months deferment and XXXX payments that I made during deferment in XXXX that they would not count. I asked Mohela to count them. They said I did not apply for PSLF and did not have my employment verified. I sent both sheets to XXXX in XX/XX/XXXX. Mohela asked for original paperwork. I expressed concern that the new paperwork would have a date past XX/XX/XXXX so I would not qualify for XXXX. I filed a complaint with Federal Student Aid on XX/XX/XXXX of XXXX. I waited three months to hear back. My case was closed on XX/XX/XXXX of XXXX. I called to find out what the judgement on the case was several times and was told the person who reviewed the case would call in XX/XX/XXXX hours. No one ever called, no emails! I contacted Ombudsman and was told to reapply to have my status for PSLF reviewed. I did. I was so angry I filed another complaint with XXXX  and they closed my account one hour after I opened it. I am sick over this mess, I cant sleep! I I have NEVER been this frustrated in my life. I have screen shots and documentation for every person and date that Ive tried to resolve this on my own. Im willing to pay a lawyer to help. What are my next steps?
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by Jefferson Capital Systems. This account references an amount of {$840.00}, purportedly from the original creditor, XXXX XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or Jefferson Capital Systems, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that Jefferson Capital Systems provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA XXXX, XXXX, XXXX ( b ), and XXXX. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.
Product: Debt collection

Central Credit Services LLC contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA
Product: Bank account or service

i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you
Product: Debt collection

I had an old XXXX  bill that was XXXX XXXX XXXX that was charged off that I never opened, I complained about it being identity theft so I believe it was taken off but know I just received a notice in the mail from Jefferson capital on XX/XX/2024 saying they bought this old account and they are demanding payment from me of XXXX, XXXX cant pay them if I dont owe them or have any contract wit me and that company with my name or signature on any paperwork agreeing to any terms as stated in 15 u.s.code 1601 and also 15 u.s.code 1692c
Product: Credit card or prepaid card

I receirved a Fortiva mastercard that I did not apply for. I had a retail acccount with Fortiva with credit limit of XXXX with balance owed down to XXXX which I have had since XXXX. Than I was sent a Fortiva mastercard with a XXXX dollar limit with APR of 29.9 %. I called the company and I was informed that they sent me an emial on XX/XX/XXXX stating I was being upgraded and if I want to opt out I had 45 days to respond. However, I have kept every email I have from Fortiva and I explaned to them over and over that I did not get that email. I than contacted the corporate office and spoke with XXXX at XXXX XXXX Tues XX/XX/XXXX and informed me that he needs to speak with his legal department. I spoke with XXXX again on XX/XX/XXXX and he informed me that there was nothing they do and refused to switch me back to my retail account. I again told them that I never authorized my retail account to be closed and never authorized a new mastercard account to be opened in my name. I never recieved such email and I asked to send me the orginal email that was sent or an orginal letter that was mailed informing me. Fortiva has been unwillingly to provide this information. I feel like this decepive to me as the consumer.
Product: Credit card or prepaid card

Best Buy XXXX administered by XXXX XXXX  incorrectly applied a late fee of {$29.00}. However, the payment was made timely, and the error was on their end to timely credit the payment. I send in a dispute and the response was they needed to speak with me ( attached ). I called today and they said they didn't know why I was calling and had no update on the dispute.
Product: Debt collection

Agency called me on XXXX/XXXX/2017 and left a voicemail message. Returned the phone call and requested to not be called, as I have received no validation via mail. The women said my number would be removed. She then called my husband and asked him for my phone number and lied telling him that she had important information regarding a XXXX  appointment. Then called me three more times and each time I informed her she would not be reaching the person she was attempting to contact and to do not call my phone number and that I would be making reports to BBB, CFPS. Unprofessional AND breaking not only the federal law but state law as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.
Product: Payday loan

XXXX XXXX from XXXX ..she said she was calling from the Warner Location..called stating they are going to arrest me for a bad check..Not sure what she is talking about but she is harassing me at work and wont stop calling my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXX {$20000.00} Attached below is the recent letter I filed.
Product: Checking or savings account

I received a letter in the mail from Bank of America indicating that an account had been opened in my name along with a debit card to activate. I am a victim of identity theft. I tried to resolve this with 3 different BOA reps on XX/XX/XXXX via XXXX. They make it virtually impossible to get a human being on the line. I was told by the first woman that an application had been filed on XXXX using my name, SS # and birth date. She appeared to want to help but put me on hold twice and then disconnected. Same thing happened with the second man I finally spoke to. Put me on hold after taking all my info and then disconnected. Drove to a local BOA branch and no human works there - only kiosks that have you push a red button and wait for a clock to count down to have someone appear on the screen except all that happened was the clock started over. Left in disgust. Called again and spoke to man # 3 - same drill. Asked him to take my home number down in case we got disconnected which of course we did. Now 2 days later still have not had a call back. Thoroughly unacceptable and I want resolution of this matter. I am attaching what I received and blacked out my name, fraudulent account number, address, etc. per the instruction on this site.
Product: Mortgage

The company is telling me that : - I have to hit XXXX XXXX XXXXXXXX ( I understand that part ) - They WON'T use the originally selling price ( I don't understand that, b/c it's not in the original loan terms )- If I want to request removal, I have to pay {$190.00} for a new appraisal that MIGHT be done within 30 days ( I really don't understand this and I did not agree to that in my loan terms ) My loan was with XXXX XXXX and they sold it to Mr. Cooper for servicing and it's like when they sold the loan, new terms were added that I didn't agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I Wayfair XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX  XXXX CC {$8900.00}
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to GLOBAL LENDING SERVICE about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Certain accounts listed are erroneous, causing me considerable unease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX