23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.
Product: Checking or savings account

Terms state : " You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account. '' https : //accounts.chase.com/consumer/business/online/500checking I have never rec

eived any bonus for a business checking account. I opened an account and used a coupon but the terms were not satisfied, according to Chase, and the bonus was never paid. I escalated this matte r three levels at Chase and each time they gave me re-worded explanations of those terms. They said things like 'you can only use one coupon ' or 'you can only have one offer applied to your account '. That is not what their terms say. The terms state very clearly that you can only RECEIVE one bonus. I qualify. But they will not give it to me.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for Equifax, XXXX and XXXX. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting

IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR EXPERIAN
Product: Checking or savings account

I am a victim of the violations that were discovered by the CFPB 's investigation of US Bank, that found the bank engaged in unscrupulous practices that resulted in many violations of various consumer protection acts. The specifics of these violations that directly affected me, are detailed in the attached documents. Furthermore, I asked for documentation proving that no violations occurred when this account was opened. I was told by US Bank that I need a subpoena to access such documents. I am questioning why do, I need a subpoena to access documents for an account that was allegedly opened legally baring my name?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), to conduct a reasonable reinvestigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. I am requesting immediate corrective action to remove or ammend the reported accounts, as it is causing on-going harm to my credit report and Experian in-action violates my federal rights as a consumer.
Product: Credit card

I am writing to dispute the following charge {$1400.00}. this item in dispute from XXXX also known as XXXX fares. I have send you documents, emails and phone records. I did release my account information over the phone at XXXX back in XXXX 2015, but I also did call this company within 12 hrs. to cancel the booking which was at XXXX the very next day, the travel agent I spoke with probably did not understand XXXX, as I told him to cancel the booking, he states he can not refund me the entire amount charged to my credit card, I told him I will be disputing this charge with my credit card company and to still go ahead and cancel this flight booking. I also pointed out to the agent that I did not respond back to an email stating " I agree and to go ahead and charge my credit card ''. I also did call American Express right after that phone call to let them know, the agent told me I have to wait for the charge to post to the account and then dispute it, I did my part by informing you not to allow the transaction to go through but instead you still allowed it. Please can you ask the travel agency to provide me with proof of email stating I agree and to charge my credit card besides just a phone call as an agreement. You can also subpoena the travel agency to send you a copy of the phone recording so you can listen to it. 

I have been disputing this for months now. I have sent you all the corresponding emails from the merchant and my phone record 's to show the time I had called to cancel that booking. I have co-operated in every way possible and have submitted the supporting documents that you requested. I also want to bring to your attention that I have never received any documents from you by mail, explaining the dispute processes and also whether my dispute was closed in my favor or not, I get an email to view a message online and every time I try to access it I have been unsuccessful in doing so, every time I have to call in and get my dispute re-opened. Please can you send me a letter or documents in mail stating why the dispute did not go in my favor so I can forward it to the XXXX. 

I am requesting that this item be removed from my account and to not pay XXXX XXXX as this agency took my credit information and provided it to XXXX XXXX XXXX to make the booking. I have also contacted the airlines and they stated I did not book the ticket directly through the airlines and I have to dispute it with the travel agency. 

I am tired of going back and forth with this and been given the round around. If this matter is not resolved within 3-5 days I will be contacting the XXXX office in Ohio as well as the XXXX and the Federal Trade Commission. 

I will be forced to call in and close my account with you, I will pay for the pending charges on my account but I refuse to pay for the charges from XXXX. Under the Fair Credit Billing Act, I am requesting this billing be corrected and any finance charges or fees associated with the disputed charge be credited to my account. Please re-investigate this and correct the disputed item and take care of this as soon as possible.
Product: Credit reporting or other personal consumer reports

I have identified fraudulent accounts on my credit report that need to be removed immediately to correct inaccuracies and restore my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. 
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 168s-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 card or prepaid card

On XX/XX/2018 I received correspondence from JCPenny, XXXX XXXX XXXX, XXXX FL, XXXX. On the envelope it states, " Important Information about your account ''. On the inside their is among other things, a XXXX XXXX Section 1 : Rates and fees table, JC Penny Credit Card Account Agreement. I have never had a JCPenny account, have never authorized JCPenny to open an account, or authorized XXXX XXXX to open an account in my name at my address.

I think they are fraudulently creating accounts.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Student loan

I have been trying to make payments on my student loans for almost 2 months now with aid-vantage. I gave tried to receive help twice only to be told that its a bank issue and that they can not find my account. Both those times i was on hold for almost 3 hours and i do not have the time to do that again. I even have emails from them saying the same exact thing. I have double checked my bank account information that i gave them and there is nothing wrong. Now I am having interest accrue on my loans that i cant even pay!
Product: Debt collection

About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called XXXX. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a January Technologies from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from XXXX although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to XXXX in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. XXXX has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.
Product: Credit reporting or other personal consumer reports

Previously I had communicated that the company JPMCB was inaccurately reporting an incorrect late payment to my consumer credit profile for the account ending in XXXX. Previously the financial institution claimed that I was did not make the payment on a timely manner however, I as I have already established I have never made a payment late over 30 days. A billing error has occurred on JPMCB end as previously discussed with the other agents for several months. I have a statement showing that there were sufficient balance in payment account to cover the payment of {$3800.00} that I made on the Date of XX/XX/year>. Also as TILA states when there is a billing error dispute on an account no adverse information is to be reported onto a consumers credit file. I have been disputing this billing error for months and have had no favorable change. 

Even though it does no harm to this company to positively fix the error that occurred, JPMCB adverse account reporting has severely damaged my general reputation as well as prevented my ability to move forward in life and create better circumstances for myself and my family. I am currently unable to acquire a new mode of transportation because of the erroneous and adverse consumer credit reporting error that has been made by JPMCB. I have attached the bank statement reflecting sufficient funds and balances in my account to cover the payment that was processed as well as the payment receipt for the payment transacted on the date of XX/XX/year>. This issue was due to a system issue on JPMCB side not mine.
Product: Mortgage

On  XX/XX/XXXX  and  XX/XX/XXXX  I sent Dispute letters re : {$2200.00} to Nationstar Mortgage, LLC. The amount disputed, p er N. Star on my   Payoff Quote, was  for interest calculated from  XX/XX/XXXX  to  XX/XX/XXXX . I provided them with " Proof of Payments '' from my bank for period of time Nationstar claims they did not receive Interest.     On  XX/XX/XXXX  I was under contract to close the sale and was forced to pay {$2200.00} to Nationstar or I faced breach of contract, with my buyer by not closing on time.     I requested in said letter, tha t Nationstar Refund the  interest charged incorrectly or provide me with Proof and Payment History, that they were correct in charging the above amount.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX  Balance : {$6500.00} ; XXXX XXXX XXXX  Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$540.00}.
Product: Payday loan, title loan, or personal loan

I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate address posted on credit report, XXXX XXXX XXXX XXXX XXXX  XXXX, Az XXXX. 
I no longer live at the address listed above.