23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

JPMorgan Chase sent bill to email account instead of mailing me a paper statement. 
Had this credit card account since XXXX always made payments on time paid off account in XX/XX/XXXX from a high balance of XXXX. Always got a paper statement. Used the card one time in on XX/XX/XXXX for XXXX for XXXX ( For some reason XXXX had rejected XXXX attempts with other cards ). For some reason Chase sent the statements via email????. Talking with XXXX ID XXXX he stated I had requested email instead of Mailed statements in XX/XX/XXXX. Forgive me but, XXXX, I would not have requested paperless statements on an account that I had n't used or had no balance since XX/XX/XXXX. Of course with late fees and charges that XXXX ballooned to XXXX by XX/XX/XXXX and was charged off. I was n't even aware of this activity till I pulled my credit report in XX/XX/XXXX. I called Chase and setteled the account for XXXX. But I 'm feeling extremely RIPPED OFF. And this is still going to show up on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. 
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Galaxy international claims that i owe them money in which case i do not. I have never signed an agreement with them and have asked them how, when and where did they receive my personal information. Galaxy International has now threatened to to take me to court for an outstanding balance or {$2500.00}. You will notice on line 8 that account was charged off by original creditor XXXX XXXX XXXX  on XXXX XXXX. They should have sent 1099-cC to IRS and my self in which case they didn't now making this case a violation of law under. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Debt collection

Contract Callers Inc. requested {$150.00} per alleged owed utility bill of a property sold to new owners over a year ago. 

Notified initially via mail and then filed a dispute via XXXX online dispute form the same day I received notice. 

On XX/XX/XXXX, Contract Callers INC reported to the credit bureau XXXX. They have included a very damaging negative mark on my credit which plummeted my score and can potentially stay on my report for 7 years. I am literally in the process of purchasing a home and this has caused severe damage. 

A letter from Contract Callers Inc with the date of XX/XX/XXXX on the letter arrived to me during the 3rd week of XXXX. The letter CONFIRMED my alleged debt was in dispute. And attached a backend statement from XXXXXXXX XXXX  XXXX listing various amounts. It was not a copy of a bill or anything familiar to me, to use as proof/verification. 

Contract Callers Inc is in direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. They have reported to XXXX on XX/XX/XXXX, invalidated information that is still in dispute, and this action is constituted as fraud under both Federal and State Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXXXXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$400.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Product: Debt collection

I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.
Product: Student loan

I have been in XXXX XXXX  since XXXX, first recieveing my XXXX XXXX XXXX XXXX XXXX  then beginning my XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. During the summer of XXXX, I was informed that my student loans were transferred to NelNet. NelNet then informed me that I needed to start making payments on my loan, only XXXX XXXX XXXX XXXX XXXX XXXX graduate program. After calling and asking questions, I submitted a Graduate Fellowship Deferrment Request in early XXXX of XXXX. I never recieved any notice of the form being recieved or processed. In early XXXX I recieved notice of an overdue payment, so I called NelNet about my deferrment. The customer service agent informed me that I would need to resubmit the form as the files were corrupted, and appologized that I hadn't recieved notice, citing the restart of payments as the cause for delay in processing my form. The agent then placed an administrative forebearance on my account to pause payments for processing, which I was informed could take up to 90 days. I never heard anything until recieving notice of another payment being overdue in XX/XX/XXXX. I called NelNet again and I got the same story from the customer service agent, only after I was told first that I had never submitted my form, and they had no record of me ever attending graduate school. They specifically stated that the last record they had of me was of my graduation from my XXXX in XXXX. The agent then assured me that they would resubmit my form and contact the department responsible to be sure that I recieved status updates, and that my account would be placed under forbearance again. This call was at the end of XXXX, and I still have yet to recieve notice of the status of my request.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by XXXX XXXX XXXX for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information. 

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. XXXX XXXX XXXX has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : XXXX XXXX XXXX has associated two incorrect addresses with my account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, XXXX XXXX XXXX has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801. 

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. XXXX XXXX XXXX has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, and XXXX XXXX XXXX, XXXX, CA XXXX ). 

Notification to all major credit reporting agencies ( XXXX, XXXX, TransUnion ) to remove this incorrect information from my credit reports. 

Written confirmation from XXXX XXXX XXXX that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I received a automated call from the Lowe 's card fraud department. I called because the automated system was vary confusing in what it was asking me to confirm. At this point i was a little frustrated and upset because it effects the delivery I thought was already set-up for the fridge I ordered. The person who came on the phone she told me that they needed to verify it was me and told me that the card would now work. at this point i was irritated already with this agent. I was concerned with what was happening with my order the rep was not help, she kept telling me information that contradicted each other. she told me i would have to go replace the order and then said i do n't she couldnt actually give me a real answer to my question which made me more upset. i asked if this is going to be an issue who do i talk to about canceling my card. She said that that would be her but i cant cancel my card unless i pay my balance. This really made me upset because the agent rather then helping me would rather cancel my account. I asked her what my balance was and she said oh you do n't owe money its zero. I said ding ding ding correct then the phone disconnected. when i called back they told me my account had be closed. I feel that the rep closed the account unauthorized because i wanted to have her correct the problem and mentioned on the call that if we cant get this fixed that i am going to close the card and would never reopen it if i do decided to close it. Additionally i was refused a supervisor when i got a supervisor they could n't hep but did mention that i had been hung up on and that the reps should not have done that. i have let 3 days pass and still have had no manager call back regarding the unauthorized closing of the account and the issue of pulling the call and responding to my concerns.
Product: Credit reporting or other personal consumer reports

My problem is with Experian. 
When I use my credit ... my score goes down. I get that. But when I pay it off, it doesn't go back up. It just keeps going down... never back up. For example... I just paid off 2 credit cards that I had 0 % interest on to the tune of XXXX XXXX  My score never went back up. 

A month later... I spent {$1000.00} on another card that I already had a balance on ( another XXXX balance card that doesn't expire until XX/XX/year> ). My score went down. 

I paid off XXXX ... I spent XXXX... my score went down for " balance increase ''. Where is the raise in score for the balance decrease???? 

Meanwhile, I get constant, and I mean CONSTANT ads from them to " boost '' my score for a price. How accurate is this system if you can simply BUY a good score? 

My payments, history... all " exceptional ''. 

I own 2 properties with no mortgages ... I have a home equity loan for XXXX XXXX for a remodel I did to one of them. 

Experian has rated me in the low " good '' area. 

This is a scam. Why are they allowed to change your score for a price????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consume Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused a significate inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/XXXX.
Product: Debt collection

On Wednesday XX/XX/2021 approximately XXXX an alleged process server XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX [ XXXX ] appeared on the private grounds domicile that of Diplomat ; XXXX XXXX XXXX XXXX. He was demanding to see the likes of a all caps incorporation which he was told did not exist. 

He then went on line on his tablet and showed the cohort of ; XXXX XXXX XXXX a name registered with the County of Clark. He was informed that, that all caps name you pulled up is an Estate Trust, there is no woman or person by that name. As such he the process server was directed to go to the State Dept. of NV and do a search for the PPEHTrust whereas he could find the Estate Trust as proof that was not a person nor a woman but an Estate Trust. 

He did not wear a mask, nor gloves and appeared to be either tired or other. The man XXXX ; XXXX XXXX XXXX attempted to see the documents to see and verify if he was at the correct location looking for the right person, the man said he could not see the document. XXXX XXXX XXXX XXXX then asked him if he had a warrant and he said no, just a court document from XXXX XXXX CA signed by a Judge but no name of the judge was given. 

The man did not produce a warrant and proceeded to attempt to serve documents while he was standing in front of a Trespassing sign posted on the front door. He has breached the peace in his attempt to serve a none existing being corporation all caps straw without proper information or evidence that he had the correct address. 

This man working for a process serving company on behalf of Aldridge Pite , LLP in pursuance of some alleged property was discovered by camera. The grounds on the XXXX has multiple camera angles with strong zooming abilities. Once the XXXX XXXX XXXX XXXX was able to gain access to the property cameras. 

What was discovered was that the all caps incorporation name was XXXX XXXX XXXX with two listed addresses and DMV records from Texas and North Carolina. Please see the photo attached herein. 

When in fact the MRH or XXXX XXXX XXXX XXXX XXXX is not a person listed in XXXX XXXX Record of Deeds and with the State Dept of US and NV. This was told to the process server whom refused to leave the documents but such was copied caught on property domicile cameras. 

The Courts in XXXX XXXX CA does not possess any form of Jurisdiction due to the laws of this land which is the Constitution and Treaties thereof therein. The attempt to claim private paid for in full property was an attempt to scare place fear and move emotions to gain access to private property. 

Now XXXX XXXX XXXX is claiming to be the XXXX title owner or debt collector with a Judges signature on a document they will not serve the Claimant herein known as XXXX XXXX XXXX XXXX as the property is within the XXXX XXXX XXXX.
Product: Checking or savings account

chime banking has placed my account on hold due to someone sending me XXXX XXXX and then them disputing the transaction. its been over a month now and I had funds in there which I do not have access to. So basically they are holding onto my money that I will probably not see again. Which is FRAUD!