23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX Account # : XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX Account # : XXXX XX/XX/year> 2024
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX Card ending XXXX XXXX XXXX, XXXX Chase XXXX Offices Fax # XXXX XXXX XXXX, XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX XXXX XXXX for future employment if I completed a class. As I did well in the class, I was offered a chance to purchase some products I was told for future company expansion. They would add money to my Chase visa account, and I could use that money to make purchases and send them away. After I added {$7500.00} on XXXX XXXX, I called Chase and asked if there was any way the {$7500.00} I put into my account to pay my credit card could be reversed. I was told that it could not be reversed once it showed in my account without going to court. Please listen to the tape of the conversation I had on XXXX XXXX. On that basis, I agreed to make the purchases for XXXX XXXX XXXX and send them off. Money was then added in the amount of {$7400.00} on XXXX XXXX and I made more purchases and sent them off. Money in the amount of {$7600.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I told Chase not to allow the third to be reversed as well as it was clearly fraud, but Chase allowed it to be reversed in early XXXX. The class was real and cleverly used XXXX XXXX XXXX in story problems, but XXXX XXXX XXXX company seems to be a big scam. 
I believe that Chase has responsibility here. I know that checks that are cashed then bounce later, so I thought I was being careful to ask Chase when I could actually count on this electronically transferred money being there to stay. I have called the Chase Fraud division who said this is not something they normally handle, so I was told to write to you here. 
It should not be possible for someone to reverse a payment after 20 days (! ) simply by pushing a button. Commerce in the US would stop! As I was told on the phone, they should need to get a court order to stop a payment. They claim I was not authorized, but I had proof of authorization I was not allowed to put before a judge. By allowing this kind of reversal without a court action, Chase is complicit in allowing this kind of fraud to happen.
I called Chase again on XXXX XXXX and was told that their system shows all three deposits bouncing on the day they were made. In other words, the XXXX XXXX deposit now shows on the Chase system as bouncing for insufficient funds on XXXX XXXX. The only way I can now prove this did not happen is to point to the call Chase made to me on XXXX XXXX where someone from the Chase fraud unit called to tell me that the XXXX XXXX payment had just bounced and asked me was I aware of it. The call was early in the morning and woke me up if you listen to it, so I may have sounded confused. 
Chase should not be allowed to have the history of my account changed to " hide '' this fraud by showing that the deposit bounced the day it was made which was not the case. Chase has all documentation needed in their systems as discussed above. 
XXXX XXXX
Product: Debt collection

Credit Collection Services has 3 negative accounts listed on my credit report that is not mine. The debt collector agreed to delete the debt from my credit report because the information is inaccurate and the address on file is not mine. However, the debt is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to XXXX XXXX XXXX back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX  2XXXX XXXX 3.XXXX XXXX 
4. XXXX XXXX XXXX 5.XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Product: Vehicle loan or lease

My loan for my car was with XXXX XXXX. All of a sudden it goes to XXXX XXXX without my knowledge and I tried to trade it in to get another car, however XXXX XXXX wont do it. Someone told me this is against the law. I need some answers because Im trying to trade the car in for another cheaper car with a lower interest rate. Please point me in the right direction
Product: Student loan

Every time I make a payment they state it was returned by my bank but I dont see anything regarding return payment on my account and there has been enough money in the account. Ive noticed there has been several people on XXXX that is going through this same issue. They are charging us return check fee late fee and additional interest. Ive never had this problem with them before into the last few months. Someone really needs to investigate them. Its so frustrating!
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account from XXXX XXXX  Account # XXXX Balance {$5300.00} XXXX XXXX  Account # XXXX Balance {$280.00}
Product: Student loan

In XXXX of 2018, I made arrangements to lower my student loan payment through Navient. They agreed that I could pay {$68.00} for a year and then have my payment reassessed. I paid them {$75.00} and waited for my next bill as instructed. The next month my bill was like {$250.00} dollars and they said no payment went through but my bank said it did. They refuse to honor the agreed upon payment of {$68.00}. Navient also calls obssessivly. They will call my cell phone 5 to 6 times a day and my land line at least 4. It is always a recording and reaching a deal person is difficult. Last time I tried calling I was in gold for 20 minutes and just hung up.
Product: Consumer Loan

CHASE CONTINUES TO REPORT LATE PAYMENTS ON A CLOSED ACCOUNT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. 

That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested my annual free credit report with experian and was charged {$1.00} for the access despite not having requested my credit report for the year. Today, on XX/XX/XXXX, I was charged {$21.00} by Experian for completely unknown reasons as when I contact the company, they say I have no active membership with them and when I look online it says I am OWED a refund of {$21.00}. Now, no one can tell me why they charged me or what it was for and I want all {$22.00} refunded immediately. When I look up the company who charged me, it is Experian doing business as XXXX. This company has been sued multiple times for doing this to others and they are still doing it.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the listed companies to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in XXXX. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.
Product: Credit card or prepaid card

Filed a timely billing dispute over the phone with bank representative XXXX, ID XXXX on XX/XX/2018, at which point, I was not instructed to send anything in writing. In fact, I was advised to load all relevant documents through the online account center. This is for a purchase with XXXX. The card is administered by XXXX XXXX. Purchase amount {$1100.00} on or about XX/XX/2018. 

This is the only charge on my account, the bank did not suspend the monthly minimum payments nor the amount I have in dispute. Per my conversation with the above individual, she said make monthly payments and we will refund you. This is not the rules of the Fair Credit Billing Act.
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 XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Product: Student loan

I took out several federal student loans in the 90 's. They were all federal student loans, now serviced by Navient, but initially with Sallie MAe. They informed me during our last conversation that they were no longer Federally subsidized loans and therefore I wasn't covered under the payment moratoriums. They also told me 20 years ago I wasn't able to consolidate under the much lower interest rates later on because I had consolidated once before. That consolidation was only to aggregate the loan into 1 payment instead of the 15 or so payments they had coupon books for and locked in the same rated forever without being informed. I feel like I need a lawyer as the misinformation or lack of has mired me into a lifelong debt that will never be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Product: Credit card

Sezzle charge payment to Preply in 4 for {$120.00} starting XX/XX/2023. 
Next payment to Preply on XXXX XXXX for {$120.00} Third payment to Preply on XXXX XXXX of XXXX Fourth payment is scheduled on XX/XX/2023. Charges I did not make!
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Late Payment Entries Under 15 USC 1681 Section 604 ( 2 ) and 15 USC 1666b To Whom It May Concern, I am writing in my capacity as a consumer, to address inaccuracies in my credit report, specifically regarding late payment entries. This letter serves as a formal request for the immediate removal of these entries, based on my rights under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ).

Per 15 USC 1681, Section 604 ( 2 ), I assert my right to privacy. This section stipulates that a consumer reporting agency can not furnish information about my account without my explicit written permission. The late payment entries on my credit report have been reported without my consent, thereby violating this statute. 
Furthermore, under 15 USC 1666b, a creditor is prohibited from treating any payment on a credit card account under an open-end consumer credit plan as a late payment, unless specific conditions are met. These conditions include the requirement that the creditor must have adopted reasonable procedures to ensure that a periodic statement, including the information mandated by section 1637 ( b ) of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. The late payment entries on my report do not adhere to these requirements. 
Therefore, I demand the immediate removal of all such late payment entries from my credit report. Failure to comply with this demand will compel me to initiate an arbitration lawsuit. Additionally, for every day that these unlawful entries remain on my report, I will add {$1000.00} to the demand balance as compensation for the damages caused by these inaccuracies. 
I expect a response to this letter within 30 days of its receipt, confirming the removal of the inaccurate late payment entries from my credit report. Non- compliance will leave me no option but to seek legal redress for this matter. 
Thank you for your prompt attention to this serious issue. I trust that you will act swiftly to correct these inaccuracies. This information will be reported to the ombudsman office state legislature and Atty general office. All late payments that are reported should be removed immediately upon receipt of this letter. These are the following account that is reporting illegally and will be turned into the state legislature and CFPB and Atty General I have sent notices letting you all know of the illegal credit transactions reporting on my report. Therefore I will file suit against all parties involved. 
The following accounts listed below are reporting illegal credit transactions : XXXX XXXX 4 illegal late payment consumer credit transactions Balance {$550.00} XXXX XXXX 2 illegal late payments aka consumer credit transactions accnt # XXXX Balance : XXXX XXXX XXXX XXXX 1 illegal late payments aka consumer credit transactions accnt # XXXX XXXX XXXXXXXX XXXX 2 illegal late payments aka consumer credit transactions account # XXXX XXXX 3 illegal late payments aka consumer credit transactions Balance {$8600.00} Sincerely, XXXX XXXX