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

I hold Amazon Chase Credit Card a couple of years. I'm always convinced to try Prime Membership in 30 days free for no obligation cancelation. Last XXXX, I did try it but cancelation with 30 days in website and also handwritten on payment statement. I called Amazon several times that it was confirmed with cancelation and {$13.00} refund will back to my Credit Card. Then, I called Chase Card to request removal about charge but refused. After the statement showed in late fee charged, I called Chase Card several times with very lengthy irrelevant talking and cordially discussed to solve the problem but never be accepted. I requested Amazon sent my cancelation emails a couple times and willing to provide to Chase Card if they provide me their email address that shows they've received refund. Chase Card never did!!!

The most outrageous business practice of Chase Credit Card is doubling original non-existing with two times late fees and DOUBLE AGAIN after I canceled my card and paid everything off except this predatory business practice. They even cut off my calls rudely.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian about an account that does not belong to me being on my credit report. The letter was delivered and signed for by Experian on XXXX. Experian has not opened a dispute or removed the account from my report. My score dropped significantly due to this collection account appearing on my report. I have no Account with XXXX XXXX XXXX or the party they are collecting for. They provided me with no XXXX  day dispute or validation letter, This account does not belong to me and was placed on my account. Experian waisted no time in deducting points from my credit score, and they are moving with no urgency in correcting the matter.
Product: Money transfer, virtual currency, or money service

We called Wells Fargo to do a foreign currency exchange. During the call we were told there would be a {$7.00} charge if we did the exchange on  line. When we got home from the bank with the currency we ordered we realized that the bank had taken about 10 % off the exchange rate in addition to the {$7.00} fee. At no time were we told there would be an exchange rate conversion fee or what that amount would be. I understand that this is a small amount but believe this to be a trick for them to take money from unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by a company representing themselves as " SIMM Associates '' regarding an apparent XXXX debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with XXXX as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

*Mercedes Benz Financial Services- XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXXXXXX XXXX
Product: Debt collection

Harvest associates has provided a deletion of credit tradeline due to identity theft. However, it has been over 2 months and their tradeline still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent in my dispute letters to get these late payments removed. I wait the 30 day window to hear back and they sent me mail saying they updated my account. When I reviewed my credit report I noticed there weren't any updates with late payments. they were still on my report under my accounts. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX- XXXX XXXX XXXXE- XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written Instructions. 

15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as alate for any reason.
Product: Mortgage

XX/XX/XXXX - A request for repayment plan review was submitted via digital drop box. 

XX/XX/XXXX - At Risk Extension of Time Due to Critical Circumstances was submitted via digital drop box. 

XX/XX/XXXX - XXXX Rescission Form - 12 CFR 1026.23 ( h ) ( I ) ( ii ) Special Rules for Foreclosure, 2011 Ca Civil Code 1688 & 1689 ( I ) ( 3 ) ( 6 ), Consumer Protection Act section 125 ( b ), UCC 3-305 , 3-306, 5-114, 8-503. delivered by digital drop box the same date and by express mail.

Information regarding an escrow account opened in 1983 that was conveyed in the reverse mortgage paperwork has been requested several times.

No response to any of the above requests have been answered. 12/7/23 activity of the account shows " Liquidated and held for sale. '' What was liquidated? And considering that the only response to the billing error was vague and gave no actual evidence of their investigation, I don't accept that. The right to rescission was never disclosed per law at signing. The rescission form that was submitted to the company was never acknowledged. It has been well over the twenty day period allowed for a response. The rescission is considered accepted by law. They do not have the right to liquidated or sell anything. A lawsuit for damages will be filed with the court.
Product: Credit card or prepaid card

Sent in amount that I was told would pay off my bank of america credit card but still getting bills ( see full description in attached documents ).

Also : 1.Wait times on phone are way too long.

2.I was switched from paper to paperless billing without me being aware of it.

3.e-mail " paperless settings confirmation '' is not adequate for the customer who is unaware that they have been switched to paperless billing.

4.Bank of America is unwilling or unable to show me how I got switched to paperless billing so that in the future I could avoid that trap.
Product: Debt collection

Good morning, XXXX XXXX has listed a medical debt as of XX/XX/XXXX, from XXXX XXXX XXXX as the company who I allegedly owe to. 

I have never received a bill or any correspondence from XXXX XXXX .. going back from XX/XX/XXXX, I am a former XXXX. They only correspondence was my pay stub via email. 

Nor have I ever received correspondence in any form from Capio. I was advised not to call them, but I did reach out to XXXX XXXX and they knew nothing about the bill. 

Nor do they have any signed documents that would permit a outside company to have access to my information, they clearly violated HIPPAA. 

I did dispute this via phone call and mail to XXXX  XX/XX/XXXX, no correspondence was made to inform me of the outcome, clearly the 30day rule has way passed expired since my initial inquiry into the false debt claim made by Capio. 
My request is to have this removed immediately off my credit report as it has caused further negative issues, as I am trying to rebuild my credit post divorce and the bankruptcy that resulted from that situation. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. XXXX  ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with 03 credit bureaus agency XXXX, XXXX and Transunion don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.
Product: Debt collection

I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my non public personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and also remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my non public personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to XXXX XXXX XXXX and any other applicable laws.
Product: Credit reporting or other personal consumer reports

I took out a Self Lead Credit Builder Account in 2020. XXXX took my job. This was a secured loan paid by the security of XXXX Today this company re aged it and stated on my credit specifically XXXX that I was late XXXX, XXXX this year. Causing a XXXX point drop. 

Called Self you only get a loop recording no human. XXXX refuses to acknowledge it, argued with me, made me for 46 minutes upload my drivers license that never worked. 

So Frustrating to be ripped off then sent through systems of utter buffoonery with no one held accountable. 

I am finally recovering this year from financial disaster and then this. Unfair! But no one cares and you have zero ability to control your own information. I jump through hoops to prove my identity but any one on a computer with a company name can ruin you day after day.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on XXXX and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and Experian has been charging me for the past 4 months and it keeps saying I cant check my XXXX or XXXX because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding persistent inaccuracies associated with my XXXX XXXX account XXXX, which has been continuously reported as charged off. This ongoing reporting misrepresents the status of the account and is adversely affecting my credit profile by extending the statute of limitations on this account. 

Background of the Issue Since the initial charge-off of my XXXX  XXXX account, I have submitted multiple complaints through the Consumer Financial Protection Bureau ( CFPB ) in an effort to rectify the inaccuracies in the reporting. The account in question has consistently been marked as " charged off, '' leading to the misrepresentation of my credit history. The continued reporting of this account as charged off is not only misleading but also unfairly extends the statute of limitations on this debt, limiting my rights as a consumer. 

Despite my repeated requests for investigation, XXXX XXXX has failed to provide accurate information regarding the status of this account. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that creditors provide truthful and accurate information to credit reporting agencies. 

Violations Under the Fair Credit Reporting Act ( FCRA ) The following sections of the FCRA are applicable to my case : 15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers of Information : XXXX XXXX has an obligation to report accurate information about my account to credit bureaus. The continuous designation of this account as charged off without correction is a clear violation of this provision.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : When I raised disputes regarding the inaccuracies of this account, XXXX XXXX was required to conduct a thorough investigation and confirm the accuracy of the reported information. Their failure to do so indicates negligence in their reporting practices. 

15 U.S.C. 1681i ( a ) Requirement for a Reasonable Reinvestigation : This section mandates that credit reporting agencies perform reasonable reinvestigations when a consumer disputes information. XXXX XXXX 's lack of accurate updates and ongoing reporting of charge-offs constitutes a violation of this requirement, infringing upon my rights as a consumer. 

Impact and Request for Resolution The inaccurate reporting of this XXXX XXXX account as charged off continues to harm my credit standing and misrepresents my financial history. This has not only affected my credit score but has also manipulated the statute of limitations, putting my rights at risk as a consumer. 

I respectfully demand that you delete this account from my credit report immediately. If this issue is not resolved promptly, I will not hesitate to pursue further action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse. 

I expect a prompt response and the removal of this account within the time frame required by law. Please send me written confirmation once the deletion has been completed. 

Thank you for your attention to this serious matter.
Product: Credit card

XXXX did no ask me first to report my rent to credit bureau and the correct amount was not accurate, XXXX on XXXX XXXX so I do not pay the amount that is on credit report I did not authorize this to be done I was not asked this is not right. Theyve als lied and made themselves a credit bureau of their own outside of the government agencies rent manipulation is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This negative debt is on my credit reports. I do not know this company and have sent them a validation letter which was apparently ignored. I've attached all documentation. 
Please have this removed from my credit reports as it is adversely affecting my credit scores.
Product: Debt collection

on XXXX i sent Citibank XXXX written noitice requesting alleged charge-off information for account ending in # XXXX in which they received XXXX. this alleged account has been in dispute since on or XX/XX/year>, and the matter has yet to be rectified. i have a right to knwo about any alleged harmful information your corporation has about me and im am asking you to provide me with such information and to handle the disputed alleged account ending in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these Items. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts BMW FINANCIAL SERVICES on XX/XX/XXXX with an XXXX balance is not an account i authorized. XXXX XXXX opened on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed unauthorized credit accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Debt collection

15 USC 1962 ( c ) Communication in connection with collecting a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and saw that I had two inquiries on my XXXX report that I didnt authorize. I dont have an account on my profile nor have I applied for any credit from synchrony bank or JC penny. I have tried to reach out to the credit bureaus and the companies to no avail. Please advise
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report XXXX XXXXXXXX. I have only XXXX current address beginning with the number XXXX. all others should be deleted as they are not mine and have been at that address for XXXX years. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX