23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ideal Collections is commiting fraudulent activity, XXXX XXXX Apts tried to evict multiple people during covid. In XX/XX/XXXX i received a notice saying i owed an amount of {XXXX} or to return the apartment by XX/XX/XXXX. That was done, pictures of the property were taken as proof. All collected dues were taken and cashed. Approximately 6 months later they sent almost XXXX the amount to collections demanding i paid this. Firstly in the state of florida No Evictions were supposed to take place until XXXX of XXXX. Ive talked with my legal council and will have to take legal action if they dont rescind their collections. Theyre committing fraud, evicting college students during a worldwide pandemic and demanding money on top of it. Would never rent from this company in this lifetime again.
Product: Debt collection

In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
Product: Credit card or prepaid card

XX/XX/XXXX I was charged by XXXX for XXXX i called my bank and claimed it fraud for my credit card sas stolen as well as my phone. I called up XXXX XXXX many times in regards to this purchase and I was told that iteam was returned to them. How ever they will not be issuing me any refund for there was a flash on the account which the item was bought with and they refused to give me back my money even though they have the item at hand. I asked for a receipt for the retuned item and refused to send it to me. My credit card chase united explorer mileage plus. Have stuck me with the charges even though XXXX XXXX has the iteam retuned and they told me to deal with XXXX XXXX. Though after many phone calls and 3 months latter I still never received a refund back. Now I am being charged the full amount of XXXX.
Product: Credit card or prepaid card

I am writing in reference to my credit card and the three late payments from XXXX, XXXX and XXXX of XXXX that are on my credit report. Also, the reduction of my credit limit causing my excellent credit score to plummet. I opened this account in XXXX, and I really loved Chase prior to this inhumane dealing. It was my first credit card and has been my only to this day. For my first credit card, I have always done very well with it. It helped me to build a XXXX credit score prior to the end of last year. Last year I fell into a XXXX due to the pandemic and financial hardships from this plague. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a tough time, and my first time being XXXX. I am asking that you please remove these three late payments as a goodwill adjustment due to my proven responsibility with my card prior to the late payments due to the pandemic, and due to me currently being in good standing. I also request for my {$4000.00} credit limit to be restored back to my card. I have tried speaking with J P Morgan Chase Bank several times, around 8 times, and they have not been able to assist me. They have just said that they can remove late fees. I dont care about that, I care about my credit score that has been ruined due to this, and Chase having no assistance to me, but just lowered my credit limit to make things worse for me. 

I just found out that there was a 6-month deferred payment program during the pandemic that was never offered to me, and I was told that I wasn't eligible for it a few days ago. I am saddened and dont understand how someone who has been a loyal customer for years that has been in good standing the entire time wasnt eligible for assistance. A program where you helped customers for 6 months, and I only needed 3.

I am better now, and I have noticed that it is going to take a long time to get back to the XXXX credit score that I had prior to these late payments and credit limit reduction. As of earlier this week, I was hit with a {$350.00} increase in rent, and I now need to move out. I cant get approved at a new place with the credit score that I currently have. I have never been in this place in my life where I am afraid if I will have a place to live just because I cant get approved due to credit. I have always had good credit since opening this account. I ask that you take my history as being a loyal Chase customer that has always been in good standing prior to this pandemic into consideration, and provide me with assistance. I am back on track with my payments, and ask that you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are affecting my Credit score on two credit reporting websites including XXXX and XXXX. On credit karma I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Report Information Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information reported. The following accounts contain errors and must be corrected or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Balance : Reported as {$5500.00} and {$5500.00} across different bureaus. 
Incorrect Date Opened : Reported as XX/XX/year> and XX/XX/year>. 
Payment Status Discrepancy : Listed as " Collection/Chargeoff '' with inconsistent reporting dates. 
FCRA Violation : Failure to ensure the accuracy of reporting, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncorrect Balance : Reported as {$350.00} without verification of debt ownership. 
Status Discrepancy : Marked as " Collection/Chargeoff '' despite prior dispute resolution. 
FCRA Violation : Failure to properly investigate under 15 U.S.C. 1681i ( a ). 
XXXX. Multiple Hard Inquiries ( Unverified and Unauthorized ) Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violation : Unverified inquiries are harming my creditworthiness, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681g, I am also requesting : 1. The original assignment contract for all alleged debts.

2. The forward flow agreement that legally authorizes the debt transfer.

3. All documents verifying the accuracy and ownership of these accounts.

4. Deletion of all inaccurate, unverifiable, and outdated information.

Furthermore, under the FCRA, I am entitled to {$1000.00} per violation if my rights continue to be violated. If these errors are not corrected within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary. 
Please investigate these matters immediately and provide written confirmation of the corrections. I expect a response within the legally mandated XXXX period. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX DATE OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. XXXX OPEN DATE IS INCORRECTED ; XXXX IS INFLATED ; PAYMENT HISTOR MISSING AND REPORTING INACCURATE. XXXX DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE. XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXXXXXX XXXX WHY ARE THEY REPORTING TWICE? WITH THE SAME ACCOUNT NUMBER AND BALANCE *** SEE ATTACHMENT. XXXXNOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXX XXXX XXXX ; DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed  XXXX  entries on my credit report that I thought should not be there these companies took me to court and lost. Could n't prove debt was mine. I disputed with transunion. They completed investigation all companies verified and updated info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 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, credit repair services, or other personal consumer reports

I've contacted XXXX many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I keep getting emails for increasing my rewards that can be used as a statement credit at least twice a month. I activate by clicking link. Sometimes I get message I am already activated. I have accumulated XXXX points according to my statement. Every statement had showed an increase in points. I try to redeem but there is no option for statement credit. So I also tried to redeem for store and then my point drop to XXXX cents. I thought maybe it's me that I am doing something wrong so I have tried multiple times. I used contact link and said how do I redeem. I got email saying to use the link on website the same one that I did and could not redeem. I have other credit cards and I have had no problems getting points redeemed. I am really bothered that they try to keep me using this card by their numerous emails to activate for statement credits. This is a shop your way rewards card. This is deceptive and fraudulent advertising. Small print says terms subject to change but why keep sending these emails if the terms are not statement credit if not to keep deceiving me into using their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a inquiry on my report XX/XX/2022 from CBNA. i need it removed i never applied there thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.
Product: Student loan

Navient, formerly XXXX XXXX, has made it extremely hard for me to pay down my debt. I have been paying on my loan since 2009 and have not felt it go down. Although, I know that I did use my forbearance, they never offered any alternative plans for me. I tried so many things, consolidation with local banks, with other loan servicers and even tried to see if I could get lower payments with them and they not once were able to help me. The reason I do not qualify for their assistance plan is because I do not make enough for them to lower my payment, even though I can not afford their payment at all! I do have other federal student loans in the amount of $ XXXX and the amount with Navient is $ XXXX. I started with $ XXXX and my parents were able ( at the time ) to help me. Now that their status have changed, they are not able to help me and because I do not qualify for anything else, I can not remove them from my loan. So not only does it affect me, it also affects my parents. I make approximately $ XXXX a year combined with my husband and they will not and can not work with me. I feel that they need to be able to grant some kind of leeway or payment options for this. It is very unfortunate that at the time of the loan they say that they will work with you and once you have obtained it, they will not. I still can not afford it, and because of their harrassing calls, every other month I have to decide whether or not I am making my Navient payment or my utilities. It is quite saddening.
Product: Credit reporting or other personal consumer reports

XXXX billing. Think Easy pay is using XXXX name wrongly. XXXX XXXX claim. No reply from XXXX XXXX. Was put on report no contact to me. Never received by law debt proof. No date closed. Reported late. I never agreed to pay. 12 month duration. Over 12 months. XXXX account number number matches old XXXX purchase. Paid the money to the business. XXXX is a medical collection not an XXXX XXXX. Read illegal to use another collection name fraudulent. Disputed and bureaus will not provide facts used to ensure valid. {$760.00} is high credit. Credit on the account was not that high.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed on my credit report as " Charge off '' and still reporting a balance of {$410.00} when they have turned it over to collections also ( invoice attached ). I will attach the Negative and false entries from XXXX XXXX and XXXX. It is showing a utilization of 139 %. I will also attach the collection letter from the collection agency that is also wanting to collect. 

In the comment sections of my credit report, XXXX XXXX does not show that they have turned it over to collections, when in fact they have. I have XXXX XXXX trying to collect from me, and I also have XXXX XXXX ( Collection Agency ) trying to collect from me. All of this information on my report from XXXX XXXX is erroneous, and I would like it deleted. I will also attach my certified letter sent I sent to them. Tracking Number XXXX. 

I would like this incorrect item deleted from all three of my credit reports.
Product: Debt collection

Received call from XXXX someone named XXXX. She informed me that they were going to serve me with documents regarding an Account with House Hold Bank that I did not pay. i informed her that account was paid in 2021 and I had a clearance letter. I called her the next day to ask her where to send the letter because she never called me back as discussed, instead I received another automated call from that company. I emailed the letter to XXXX XXXX verified received letter & informed me when they finished reviewing it her supervisor would call me back. I received a call later from someone @ XXXX talking fast & telling me she could not verify the company I paid the funds to. I asked her how did she contact them, she did not contact them. She talked through the question & tried to tell me she could not find the on the computer. I tried to tell her I had a phone number but she talked over me & proceeded to tell me my letter was not real and the amount I paid was not the amount and etc... I told her I paid the amount that was requested ( $ {$1200.00} ) and my letter says I not longer owe anything. I told her I had no plans of paying them anything else & would get an attorney. She stated she would put down I was non-compliant & I would be served. I told her i believe this is a scam & do not call me anymore.
Product: Credit reporting or other personal consumer reports

Experian is refusing to conduct reasonable ( re ) investigations and remove accounts containing facially inaccurate and misleading information. On XX/XX/year>, Experian notified the complainant that a security freeze had been placed on their credit file 'as requested. ' However, the complainant made no such request. Instead, the complainant has consistently demanded that Experian remove several accounts/tradelines that have persisted for extended periods, despite numerous ( re ) investigations that have purportedly 'verified ' the erroneous data as accurate. 

Rather than fulfilling its responsibilities under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, Experian has instead imposed an unwarranted and unrequested security freeze on the files it maintains and disseminates regarding the complainant. Experian could just as easily remove facially false information as it can apply security freezes to accounts. Therefore, Experians decision to perpetuate information it knows, or has reasonable cause to believe, is inaccurate or misleading, is a deliberate choiceone that has continued to harm the complainant for over two years.