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

On XX/XX/XXXX, I purchased an item totaling {$470.00} on my Chase Shappire Preferred credit card and created a My Chase Plan. The My Chase Plan is a small loan with no APR but with a fixed fee that is separate from my credit card statement balance but the amount is charged to that balance. On XX/XX/XXXX, I received a statement due on XX/XX/XXXX in which I submitted a partial payment. After submitting this partial payment to the statement balance, I was informed that the My Chase Plan that I had set up was paid off even when I still had 11 months of payments towards that loan. I reached out to Chase and spoke to a representative who initially informed me that the reason my loan was paid off before my balance was because it had a higher APR. When I informed the representative that there was no APR but rather a fixed fee, the representative referred me to a specialist/supervisor. The supervisor set me know that I had to click the interest saving balance option to avoid paying for the loan. However, I made incremental payments throughout the month that paid less than my current balance. The interest saving balance option did not provide for a specified amount which is what I needed to make smaller partial payments through the statement period. When I informed the manager about this discrepancy, I was told they were sorry for not making this clear in their agreement with me about the loan. When I requested for our previously agreed upon loan terms to be reinstated, I was told that was not possible. Now, I am stuck with paying {$430.00} in addition to my statement balance that was supposed to be paid off over the next 11 months. This is a misleading business practice that borders on misrepresentation to the consumer. Not only did the loan agreement never state that I had to specifically make an interest saving payment, the loan agreement was completely disregarded when asked for reinstatement. As shown in the attached photo, the email from Chase does not specify that an interest saving payment is needed in order to not pay for the loan. It only says that you should not pay the full statement balance, which I did not do.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name- XXXX XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual free credit report, XXXX, Experian, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Product: Credit reporting, credit repair services, or other personal consumer reports

Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately!

Best SERV CO ( original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$730.00} XXXX Account Name : XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$4000.00} Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$5100.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$320.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$140.00} Account Name : XXXX XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$1900.00} Account Name : XXXX  XXXX XX/XX/XXXX XXXX Balance XXXX {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Someone hacked my boss email address and ask me to go XXXX  and and buy gift cards on XX/XX/2021. I bought the gift cards and emailed to him. 

The Company have don't any wok yet and the bank is looking into it. But I'm afraid that this person is still scamming people.
Product: Credit reporting, credit repair services, 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 an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Mortgage

Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX JPMCB  Card inquiry XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are still reporting XXXX  XXXX bankruptcy without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Product: Vehicle loan or lease

Couldnt handle the payments anymore because of my financial situation.the truck was hit and they didnt send enough money to fix it couldnt afford it
Product: Credit reporting or other personal consumer reports

I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was one hundred percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.
Product: Credit card

On on or about XXXX XXXXXX/XX/year> I was notified by XXXX XXXX XXXX XXXX that my personal information, including sensitive details such as my name, Social Security number, and financial data, was compromised due to a security incident. This breach has led to unauthorized access to my accounts and resulted in fraudulent activity being reported on my credit report. 

Then again XXXX also notify me as well. As a consequence of this breach, I discovered several fraudulent accounts and transactions that I did not authorize. These discrepancies have now created significant challenges for me. Specifically : Fraudulent Accounts** : My credit report now shows accounts that I did not open, which has adversely affected my credit score.

I am actively working to resolve this matter by disputing the fraudulent entries on my credit report and seeking assistance from credit monitoring services. However, the immediate effects are hindering my ability to manage my day-to-day expenses effectively. 

I kindly request your understanding and support as I navigate this challenging situation. If you require any additional information or documentation regarding the breach or the fraudulent activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B
Product: Credit reporting or other personal consumer reports

Received a {$20000.00} wire from a person I know. Chase bank said it was not intended for me. It was disputed by XXXX. Chase then closed my account and reported me to the XXXX XXXX. And black listed me
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FCU XXXX Online XXXX SV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$7000.00}
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$19000.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a 30 days late payment being reported. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, I see inconsistency and inaccuracy on the way it's being reported. How can one credit bureau say that I was late on XX/XX/2019 and the other say i was late on XX/XX/2019 for 30 days ... Which one is it? Please correct/update for errors, and send me the updated credit report.
Product: Credit reporting or other personal consumer reports

Last XX/XX/2024 I tried to contact Experian in reference to incorrect information on my credit report. I can't get through to do it online because they claim that they can't identify me. I have tried to call and the automated system saying that it can't identify me. Then it runs me through different options. Non of the options help and there is no option to speak to a person. There is a great deal of wrong information in my credit report but Experian has made it impossible to dispute it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : Bankruptcy XXXX  XXXX Court : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes.

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards.

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute.

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay. 

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next 30 days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear administration, From my last complaint not go so long time, however, - 1XXXX  credit agency add to my credit report 26 poins without any rerason XXXX/XXXX/2020 2.My question to them do not bring me any result. 
3.After my question one lady me and offer me eat her XXXX 
My credit report used person from credit report agency! 
Please stop this fraud, please stop this harassments ' Please stop this humiliations .... 

Add just because you are man and do not want do what we like you do .... 

I do understand the laws is not working now, but i sure this is for short time and laws will start working again, and definitely I will call to sheriff department about humiliations, harassments, Genger descrimination, place of the birth discrimination, place of country where from you arrival discrimination ... 

I can let you use two days for decision this all questions, after that I will go to court. 
For my opinion it is enoghh time already given for this decision, 1.Start offer me loan and after add this to my report. 
2.My previous complain do not bring me any result, questions is ignored, not answering.

3.Anybody can request a loan use yourt personal date.

4.Credit agency use my personal informational.

5.Credit agency do not let me log in, the reason my password not right, send me a link, ok, new password, ok can use any time when they need add something there.

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$370.00}.
Product: Checking or savings account

I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, XXXX XXXX
Product: Credit reporting

Yes, I have you disputed the issues with the credit reporting company Equifax on : XX/XX/2017. As of today 's date XX/XX/2017, I have received no response from Equifax. They have exceeded the 30 day time limit allowed by law ( 32 days ).