23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never one late payment so why would I have one now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never one late payment? This pertains to account number ending in XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$430.00}
Product: Credit card or prepaid card

Paid off entire balance of a XXXX XXXX Chase credit card in XX/XX/XXXX. This account had been cancelled and closed for over 180 days ( 6 months ) when in XX/XX/XXXX a  charge ( s ) for {$100.00} x 2 ( {$210.00} ) had been accepted by the Chase bank from a XXXX XXXX property. 
In XX/XX/XXXX I admittedly made a reservation by phone at XXXX but DID NOT use this non-existent card. When I failed to show up for the reservation the Hotel clearly looked up my rewards account and used the card on file to pay for the two rooms. 
Chase Bank should have immediately rejected this charge as the account had been closed and paid for over 6 months. 
I only found out about this unauthorized charge as I was notified of my credit score dropping nearly 80pts as a result of an unpaid credit card payment. 
XXXX has repeatedly stated it was my responsibility to have this card removed from any merchants files and they were not responsible for allowing the charge to go through even though it was full 6 months later after I had fully paid and cancelled the card.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state. 
5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked and reported inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Name identification number : XXXX XX/XX/XXXX XXXX Name identification number : XXXXXX/XX/XXXXXXXX Name identification number : XXXX A XXXX Name identification number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account I did not authorize, it is fraudulent and I need it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does n't allow me to see my credit report online. They 're asking questions which I did n't. So, I ca n't answer correctly.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, and XXXX it shows 2 times with 7 late payments BMW FINANCIAL SERVICES Closed XX/XX/year> {$44000.00} I have contacted them but nothing was done about it.
Product: Credit reporting or other personal consumer reports

Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of Saturday XXXX of XX/XX/2022, I was checking my rate with XXXX when I received a notification from XXXX that one main financial made a hard pull inquiry on my credit file. Ive tried many time to get in touch with them to have it fixed. They explicitly become rude and telling me to write on the letter and send it to XXXX before they will see if they will do anything about it. Im not interested by their product. I never allowed a hard inquiry
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in XXXX  days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in XXXX days then they must delete the information.
Product: Vehicle loan or lease

my loan has been serviced by flagship credit, and I never receive any statements or email statements, i just send a payment. i do n't even have access to there online account portal, and never have had any access. I like to know where my money is going, i 'm forced to pay my payment by XXXX XXXX. I believe im being taken advantage of, and am not getting the treatment i feel i should get. i 'm only asked to pay and no disclosure of my fees my interest rate, nothing. i 've paid thousands upon thousands of dollars and no trace.
Product: Debt collection

In XX/XX/XXXX, I was living as a student in MD and wanted to set up internet service with XXXX. They kept getting my address wrong and were not able to set up service in that exact area but multiple accounts were opened under my name to correct their mistake. After dealing with them not getting the internet service set up in a timely manner, I asked all accounts be closed under my name. I was assured that was the case. 

XX/XX/XXXX, I received a bill in my name on my current address in PA that I owed {$88.00} and another {$1200.00}. I called XXXX and she removed {$88.00} charge and closed the account. She said I'd have to call back regarding that {$1200.00} charge because she could not see it on her end of the system. 

I call back multiple times in XX/XX/XXXX and XX/XX/XXXX and they have had difficulty looking up my account because the account is closed. It took several agents and being bounced from one department to another until I landed a representative who was able to look up the information. She told me I did not owe this amount because I received no services. She assured me she removed all charges and I would not have to make a call again. 

I received a letter from a Sequium XXXX XXXXr agency this XX/XX/XXXX that I owe {$1200.00}. This is grounds for harassments against XXXX and XXXX XXXX XXXX  for billing me charges I received no services of and potentially reporting it to credit bureau agencies to harm me financially and emotionally.
Product: Credit card or prepaid card

Purchased a hard drive from best but on credit card for {$320.00} late XX/XX/2019. 
Item was returned to store in XXXX XXXX in XXXX with an email receipt. 
Telephone with email was destroyed and was unable to recover email receipt. 
Explained this to credit company and they denied me. They must have a record somewhere.
Product: Credit card

I signed up for the Care Credit account I 'm XX/XX/XXXX. They had a " promotional '' deal with low interest rates good for 18 months ; the rate thereafter would go into the high 20 's ( 26 % + ). 

The expiration for the low rate was XXXX, whereupon an accrued amount of {$3000.00} was added to my balance taking it from $ XXXX to $ XXXX. 

My understanding of how the rate increase would occur was that at the end of the promotion, my remaining balance would be charged interest at the non-promotional 26 % + rate. It was never explained otherwise to me.
Product: Credit card or prepaid card

I was comparing my American Express statement from XX/XX/XXXX with my XX/XX/XXXX statement. On my XXXX statement it shows that my APR on purchases made between XX/XX/XXXX and XX/XX/XXXX is 20.49 %. On my XXXX statement it shows that my APR on purchases made between the same time period of XX/XX/XXXX and XX/XX/XXXX is now 24.74 %. I called the bank and asked how it is legal for them to retroactively increase my interest rate and I spoke to multiple people that could not give me a straight answer. I was only told that I have a variable rate card and that the Fed is raising interest rates, which I understand. They told me to read my customer agreement. Nowhere does it explicitly state that they are allowed to retroactively increase my interest rate for purchases made during a previous time period. I also never received any written notice that they intended to make this change. This is predatory and should be illegal.
Product: Student loan

I sent a letter with my full case and requested information on how to apply for cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school on XX/XX/year>. Mohela responded on XX/XX/year> that they do not offer forgiveness on private loans and that they will not negotiate settlements agreements. They did not provide information on how to apply for cancelation based on the fraud and misrepresentation. 

My school was shut down, investigated by Congress, found to be predatory, and all federal loans have been forgiven.
Product: Vehicle loan or lease

This is a multi-account compliant. 

For the XXXX XXXX XXXX and XXXX, Ally account XXXX -- I believe this is the account number, Ally stated to XXXX that the account was settled as a part of a bankruptcy. But that is not true. There was XXXX vehicle I leased with Ally, a XXXX XXXX XXXX that was included in the bankruptcy. 

The other vehicle listed above, was not, and XXXX won't help me. I have a XXXX and this is an XXXX XXXX  as well, because my XXXX affects my ability to type numbers. ( XXXX ) Ally may have a different account number, but this report is being made in good faith under the belief that is the correct account number. 

Regarding the XXXX XXXX XXXX, Ally Account ... XXXX... this was a lease that was extended and paid off in full. The problem was the over mileage costs. The lease itself was paid, thus the extension that was authorized, but I went over the mileage. Despite providing a huge pile of receipts in the vehicle, in an envelope, the vehicle only sold for {$13000.00} at auction. My previous vehicle from Ally -- a XXXX XXXX XXXX XXXX, sold for so much at auction, they sent me a check -- -and the sale absorbed the small over mileage fee of about {$800.00} or so. When I complained to XXXX that this was on my credit report as " paid for less than the amount in settlement '', Ally not only refuted that and won -- -but added the XXXX XXXX XXXX and XXXX  to my credit report as a new item -- stating it was a part of the bankruptcy where, incidentally, my wife almost died of XXXX XXXX with ~ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. .and I have leased about XXXX cars with Ally since XXXX. 

Why there are treating me so poorly now -- -I don't know -- but they have it on file that I am XXXX. I know Ally will read this. I love Ally, I love the people at Ally. I have had XXXX negative experience with Ally since XXXX and that was because I complained about how little this vehicle sold for, even though I detailed it, did extensive work to it with a garage at the end of the lease, and gave it back with new tires. Ally -- -has done a very good job at teaching me a lesson about complaining, by settling on this debt, dinging my credit, and then reporting information that simply isn't true. I can't fight Ally for the rest of my life. 

I am waving the white flag of truce. I apologize for complaining so much, but that XXXX XXXX sells for XXXX dollars at any dealership in Connecticut. And. Ally would not admit that in the past they had sent me a check if the car sold at auction, post lease, for more than the residual. Can we please put this to bed and go back to the business we are all good at and that is Ally leasing cars to me and me leasing cars from Ally. 

Thank you XXXX Bless You.
Product: Debt collection

I have just received a lawsuit in the main from a company called LVNV Funding LLC, whom I never heard of before threatening to garnish wages and seize property from old debt. I contacted the original creditor ( XXXX ) who confirmed they did not sell this debt to them and had no knowledge of this company. I still have an open account with XXXX XXXX. I have had credit notices of my email and social being on the dark web and I am sure that is where this company got my information and is filing falsified documents to try to get money. Looking at this companies reviews this is a common practice for them and needs to be halted. I have already disputed this with the 2 credit bureaus they dinged, for some reason it is not showing on XXXX, and now will be filing complaints with every company I can!
Product: Credit reporting or other personal consumer reports

" The Fair Credit

Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.