23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, this is following complaint of XXXX at Chase Credit Card. 
I just spoke with the Agent XXXX ( I XXXX ) at XXXX on XXXX. 

She accused me even though when I tried multiple times to make her understand the situation the whole 3 months process. When she did not even calculated the amount, doesn't have my fax, doesn't have my e-mail follow ups. 

I said the payment that I made on XXXX XXXX  is actually including some of the future transactions from that day. However, if you look at the next statement, those transactions are not reflected and miscalculated so Chase still charged me. I calculated and I don't think it matches so I sent this information of transactions I think it needed to correct to Chase to make sure. 

However, the Chase agent kept saying that I am responsible for the charges so I said that is not my point and I already said I am willing to pay the original amount but not the late fees because I followed the directions that you guys told me at the bank and the agent over the phone. 

She simply ignored and keep saying her point that I am responsible for the transactions even when I tried to explain when she had no data at all of my follow-ups. so I told her then can you calculate from XXXX to XXXX to the point that I made on payment. She said no and I asked her why but she kept saying no. She was just insisting me to settle the payment today without any actual information checksor detailed information. Even worse, when I asked her why she just ignored.

This is corporate 's threat when I tried so hard for three months to understand them and corporate them. Sadly, none of these were followed up and I asked to check the information they don't try.

I am not going to pay any late fees at all because I followed up the directions that Chase gave me and it is Chase 's fault to tell me the amount that I need to pay. Also I have been corporating very well for three months. Not only actively asking and making phone calls, but faxed them as well. However, Chase keeps making mistakes and they just want me to cover for their own mistakes.
Product: Bank account or service

I had noticed on my consumer report " XXXX XXXX '' that there was an account reporting on my name at Wells Fargo Bank. I went to my nearest branch and banker there gave the number to their " Identity Theft Department '' I contacted them and filed a report as a police report. I also had to speak with their fraud department and executive office which I interacted with some rude people who blame me for this accounts and completely disrespected me on the phone. 

I got a letter in the mail from their " Identity theft department '' that stated they cleared the matter, then I got another letter that stated they reversed that decision and will continue to hold me responsible for those accounts. 

This is clearly an unacceptable behavior from this bank that thinks they can do anything they want to poople. It is my preference not to resort to taking legal action against this bank and would like to have my name and information deleted from this bank 's systems as I had not authorized them to open my account nor collected my information. I had already suffered great injury from Wells Fargo Bank reporting my information to consumer report.
Product: Credit reporting or other personal consumer reports

I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in a Chapter 7 bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have XXXX XXXX showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Product: Credit card or prepaid card

Re : XXXX XXXX Ikea account In early XXXX I posted a payment to my Ikea card with an account # ending in XXXX. That payment cleared my bank on XX/XX/22. My monthly bill is not due until the XXXX of each month. I usually pay my bill early. 

When I logged in again to schedule my payment for XXXX I realized this account is being flagged as " late '' AND has been assessed a {$41.00} late fee. I wrote XXXX via the secured message center on XX/XX/22 and asked that late fee be waived given the fact that I had my payment promptly. I explained that I came to realize that Ikea/Commenity did not receive the full minimum payment due because of an error on their end, not mine. The amount they received was {$27.00} but that's because ever since BREAD became a part of the XXXX Co their system CONSISTENTLY changes the payment amounts on the screen before final processing. 

I know this for certain because I also have XXXX, Victorias Secret and other XXXX cards. Whenever I try pay more than the minimum, I have to manually the amount on the screen, by the time I get to the next window the amount reflected is NOT what I typed in and it is ALWAYS less. I have to re-do it 3 or 4 times before it rectifies for each account every single month. This happens across the board with all Bread/Commenity accounts. Given that the glitch is so rampant it must have done it with this account except I must not havre catched it this one time. 

Therefore this late fee is not something that is properly assessed because it was caused by the creditors own system issues. I was thinking of reporting this issue before because it so rampant but did not. Now that I'm being assessed a late fee that I don't deserve, I feel compelled to complain.
Product: Checking or savings account

Citibank offered XXXX bonus for XXXX new money deposit earlier this year ( XX/XX/XXXX ). I deposited the XXXX and never received my bonus. I chatted with them back in XXXX and they said I would get it after 90 days. It has been more than 6 months and no bonus. They continue to offer bonus offers but never paid out mine. This appears to be misleading terms. I would like to be paid the XXXX bonus I was offered. The company called me today, XX/XX/XXXX, to say they have no record of my bonus and will not be paying me but they have had the XXXX in net new money in their hands for more than 6 months.
Product: Credit reporting

Experian is not responding to my requests to investigate and remove some accounts from my credit report.
Product: Money transfer, virtual currency, or money service

My Account Was Hacked And They Never Tried To Help Me
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Product: Payday loan, title loan, personal loan, or advance loan

Can't really remember the dates but I do remember year range it was XXXX or XXXX I went in to republic finance to make my last payment of XXXX and the manager told me to keep that payment and she will give me more money me being new to the process agreed because I needed the XXXX for another bill she gave me a XXXX check because my first loan XXXX or XXXX dollars she said this is what she can give me so I took it and for some reason my balance jumped to XXXX when I finally saw my balance on my receipt from making my second payment I asked them about it and she said I signed up for extra add ons on the loan that I did not do so I told them I can't pay that just take my car they said we don't want the car it's not worth it so I stopped paying they charged it off but on my credit report they are still charging me late fees from XXXX till this date and I want it to stop because I feel like they scammed me into extra add ons that I did not ask for I disputed this issue multiple times nothing happens about them still charging me if the account been charged off
Product: Debt collection

case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX County. XXXX  instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX  XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX  . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX XXXX XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of XXXX ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX  XXXX  XXXX XXXX   it is a housing for people in XXXX. The full garnishment is a burden
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for 6 months to get this fraud account from PYOD LLC ( XXXX XXXX XXXX ) off my report with XXXX  and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a late payments for XXXX XXXX  Acct # : XXXX. TransUnion is reporting late payments for XXXX through XXXX of XXXX, XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax but I still have an incorrect address and account on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting my XXXX complaint today to reiterate my last complaint dated XX/XX/XXXX. Anticipating another monthly update for my credit reports through XXXX XXXX within 15 days, I sincerely request the Credit Bureaus to remove these fraudulent items from my credit reports. I have re-attached the new FTC Report XXXX and the identity verification documents. The following items need removal, listed per bureau : -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX. Let me reiterate that FCRA Section 605B ( a ) mandates that Credit Reporting Agencies remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than XXXX business days after the date of receipt. Additionally, FCRA Section 605b stipulates that Credit Reporting Agencies are required to remove any items listed on an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2023 with First Federal Credit control in regards to XXXX separate collections they have been reporting on my credit report. They stated they would send me the requested documentation of my debts for {$560.00} and remove the collection for {$300.00} as they couldn't provide documentation I requested. However, i have not seen the one for {$300.00} be removed and the documentation that was sent to me for the debt of {$560.00} was not complete. The breakdown that was sent does not show any proof as to what was paid and what was not. What portion of payments went to what and what is still outstanding. I would like this in detail as well so I'm able to verify what is outstanding and what's been paid for already. 

I requested proof of my authorization given to you by the original debtor and was NOT provided this. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was twofold -- validation of debt and XXXX authorization. I asked for you to Provide a copy of my signature with the provider of service to release my medical information to you and you did not provide this. 

If you are unable to provide all requested documentation then you are not following proper the FDCPA. 

So again, I request documentation of my original signed authorization from the provider of the service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent, XXXX. I will await your reply with the above requested proof. Upon receiving it, I will respond by certified mail. 

If you are unable to provide what I'm requesting in full I will expect to have the debts REMOVED from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were paid accounts and were included in bankruptcy. I never received any response in spite of the many complaints I sent to them. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX  that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports tillXX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and Equifax are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a complaint about Equifax reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Equifax continues to report this account as me owing money to XXXX XXXX. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Equifax responded to CFPB complaint # XXXX closed with explanation. i checked my credit report as of XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Equifax report showing opened and owing XXXX. This is inaccurate information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX