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

Unfortunately, I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/2023 these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

a financial institution may not disclose any information to a non-affiliate program without my consent under 15 usc 1681b I was not informed
Product: Credit card

I received email and text messages about opening an account with Chime. I called them because Ive never opened an account with them. They requested my email address and DOB ( which I was uncomfortable giving ) which I provided. I was told that an account was open but when I requested information about when it was opened? Or how it was opened? Or was there any charges? Or how much of my information did they have? I was told that he couldnt give me any information. How can I try to pinpoint who did this if they wont give any details? After XXXX  this, Ive learned that this has happened to multiple people and this is not ok. Is the company itself scamming us?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2400.00} Charge off
Product: Debt collection

I have debt on a XXXX XXXX  credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XXXX, 2020. Another collection agency, Credit Corp Solutions has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, Credit Corp Solutions has hired an attorney ( XXXX XXXX XXXX , XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. Credit Corp Solutions also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from Credit Corp Solutions and the date of that, as well as their attorneys letter and the date
Product: Credit card

I use Chase XXXX through my Chase Reserve Credit Card to book travel, primarily flights. The company appears to be utilizing fraudulent business practices. Here 's how : - When I book a flight, they will charge me immediately for the cost ( understandable ) - Their search engine, if it finds a lower fair, will purchase a ticket for cheaper - This lower fare is NOT passed along to the customer!! 

For example, I purchased a XXXX flight on XX/XX/XXXX for {$580.00} through chase travel. It was ticketed as expected. When I went to grab my receipt for reimbursement ( work travel ), I noticed the receipt was for less ( {$440.00} ). So Chase is pocketing {$130.00} by not passing along the actual ticket cost to me. 

I have been using Chase XXXX on a regular bases for years. I've likely lost out on thousands of dollars due to this unfair business practice.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card

Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.
Product: Credit card or prepaid card

credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Credit reporting or other personal consumer reports

Unable to get my credit report from this company XXXX  XXXX Unable to log in getting error message
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 and XXXX XXXX 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 602 A Section 2 : it also states consumer reporting agencies can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made effort after effort to contact TransUnion ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/XXXX, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.
Product: Student loan

My loans and my wifes were initially federal student loans I believe through the FFEL program. American Education Services ( AES ) is stating the loans are not federal loans and do not qualify for pause of interest and payments through the CARES act. Ive contacted AES through email, XXXX, and via phone within the past 3 days ( XX/XX/XXXX, XX/XX/XXXX)
Product: Checking or savings account

My account has several unauthorized transactions. Some being of a XXXX  account that i never known of. And others are actual banks. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have transactions from my other bank. Showing I was 4hrs away from those cities at the time of the unauthorized use. I was in XXXX ga. The atm/bank withdrawals were from near XXXX ga XXXX
Product: Checking or savings account

Last XXXX, Chase bank changed my checking account without my knowledge. The new account charged fees ( $ XXXX ). This went on for a number of months-when they were confronted about it they admitted it ; but would only give me a partial payment of the fees they collected. Again, they never told me about what they were up to. Some people at the branch did not return phone calls. XXXX called me and said they sent out a letter ( I never got it ). I rarely use this account, so I did not discover it right away. I would like the money refunded about {$60.00} dollars.

Chase 's attitude when I threatened a complaint was that they could care less. They make their money through deceit. I think you should let the XXXX ( Chase XXXX ) let them know how they do business. Most of this happened in XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with Victoria Secret, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.
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 XXXX XXXX 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Checking or savings account

I had money taken from my checking and savings.I had my credit rating negatively affected by this companyWells Fargo made fake accounts I using my information.
Product: Credit card or prepaid card

On XX/XX/2023 I received an email from XXXX asking me to confirm my email address. I have no accounts with BofA nor interest in doing business with them so I was skeptic. The email contained a note that read : If you dont recognize this activity, call us at XXXX. I did a quick XXXX of the number to ensure it was indeed Bank of America and called them. The gentleman who answered the call confirmed that someone was indeed trying to open a XXXX XXXX XXXX XXXX XXXX XXXX. However despite me calling the number in the email he could not help me. He transferred me. I had to start over with the second rep, he also could not help me and transferred me. The third rep did not seem well trained, she was not confident and had a poor attitude. She was unable to find any application unlike the first gentleman I spoke to. The train I was on entered a tunnel and the call dropped. Frustrated that it was so difficult to report a fraud attempt I gave up. I spent 15 minutes with BofA talking to three different people while on an international roaming call with no resolution. I forwarded the email verification request to XXXX and never heard back. 

On XX/XX/XXXX I received an email with subject : Action needed please unfreeze your credit report and call us. The email came from XXXX. It referenced the XXXX XXXX XXXX XXXX XXXX Card application that the first BofA agent found. 

Because I have zero faith in the XXXX XXXX XXXX I have all three of my credit profiles frozen. I am pleased I had this foresight because it appears BofA does not have correct safeguards in place to handle fraud reports. We are multiple days into this experience with no resolution.
Product: Debt collection

I have my credit damaged because of National Credit Systems XXXX Ga XXXX. 
I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this
Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again.

I told them that I did not live at their apartment complex. I want this charge cleared once and for all. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello so i had paid of my car in feburary XXXX 2024 for {$4200.00} and the balance remains on my credit karma regardless of the account being closed i would like it removed from my report.
Product: Checking or savings account

On XX/XX/XXXX, I went to this bank to apply for a POA ( Power of Attorney ) for my father and provided all the legal documents. A week later, the bank informed me that they needed a doctor 's certification proving that my father couldn't go to the bank in person. ( At the same time, I handled the same request with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The first XXXX banks processed it on the same day, and XXXX XXXX  took XXXX week. ) So, I provided a hospital admission certificate for my father. Another week later, the bank notified me that without a doctor 's signature, they couldn't proceed. I then provided the doctor 's signature from when my father was admitted. A week later, the bank informed me that the doctor didn't specifically state that my father was unable to handle transactions, so they couldn't process it. I provided a XXXX  statement indicating that my father was XXXX  and wouldn't be XXXX soon. A week later, the bank staff informed me that their manager, XXXX XXXX, refused to proceed and insisted on a specific note from the doctor stating that my father couldn't handle any financial matters. 

To date, five weeks have passed, and the matter is still unresolved. This experience makes me feel that the bank manager, XXXX XXXX, does not care about customer needs or state laws. He only seems to enjoy the pleasure of rejecting customer requests and the power he holds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized accounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP
Product: Debt collection

yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization
Product: Checking or savings account

Wells Fargo refused to issue me a credit while fraud is being researched on my account
Product: Mortgage

Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time.
Product: Debt collection

I keep receiving calls from a company called American Medical Collection Agency several times a day. The number they are contacting is my business line. Every time I pick up the phone, no one responds and then they hang up. In addition, if I am unavailable to answer, my voicemail will pick up. However, they will not leave a message. I am not sure who they are trying to contact and I do not believe the call is for me. My number was registered to another person, but I am unable to verify who they are calling for.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Product: Debt collection

XXXX sold a debt to XXXX XXXX XXXX, the letter I Have attached from XXXX did not validate the debt, also the letter states the letter states the amount was XXXX and it was from 2010. why wait till now to turn it over to the credit bureaus? I have spent hours tracking this debt and it has been sold to XXXX other debt collections companies the last one Data Central Collections turned it into the XXXX major credit bureaus. attached is a page with the collection on my credit report. My understanding the law states they can not add to the debt and they are trying to collect {$1300.00}. 
Neither of the XXXX collections agents that bought the debt notified me of the debt before reporting it to the credit bureaus if they had i would have ask them to validate the debt.
Product: Credit reporting or other personal consumer reports

This is my second time writing to file a formal complaint regarding a 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 that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.