23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but Im now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. Bridgecrest can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.
Product: Debt collection

I received a email from Acima and XXXX XXXX, saying I was late on my payments come to fine out someone had open accounts in my name used my old address at XXXX XXXX XXXX XXXX XXXX GA XXXX They leased some furniture from a place called XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I also call the XXXX XXXX police file number XXXX. No one is doing anything but in the mean time I am getting collection notice neg on my credit. Please help I don't know what else to do. 

Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and wrote letters to the following companies and to the credit bureaus ( transunion, XXXX, and XXXX  ) and stated that the following inquiries were not valid and I didn't know who authorized for my credit to be looked at. Nothing was done in this manner. Here are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When I opened my Chase Sapphire Card I was given a guide to benefits including Return Guarantee, that states if a merchant wont accept a return and it is still like-new/good working then Chase will accept the return and provide me a credit for the purchase amount. 

I attempted to use this benefit on XX/XX/18 for a pair of shoes that I bought that ultimately I decided I did not want to keep. I was outside the merchant 's return period, but inside the 90-day period for Chase 's protection. I sent in all requested documentation. 

A month passed and I received no update on my claim. I called the 3rd party benefit provider and was told that my claim was denied because the shoes were not like-new. I explained they had only been worn to try them on in my apartment, and that the merchant, as well as most shoe merchants, consider that acceptable practice and would accept the return. 

I contacted Chase customer support to follow-up. Chase told me that my claim had been APPROVED and that I should receive a check within 1-2 weeks. I confirmed several times with the claim number and card number, as this was confusing, but I was reassured that the claim was approved. After 2 weeks and no check, I contacted Chase again, and Chase told me this time that in fact my claim had been denied. 

I escalated my concern to Chase, and Chase " investigated '' only to come back and tell me that the claim was denied because the shoes were not like-new. I had already explained multiple times that they were in fact like-new as accepted by shoe merchants, and in good working order. 

Chase seems to make a habit out of doing absolutely everything it can to avoid honoring claims for the benefits that it advertises on its cards. Its deceptive to ensure me, the customer, that I should use my Chase card over my other credit and debit cards because of the benefits ... only then to avoid paying when I try to use them. 

It's also concerning to see Chase offer a benefit that has more stringent requirements for merchandise than the merchants who sell them. What does Chase plan to do with the returned merchandise? Return them to the merchant for a refund ( I already tried ).
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collections account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. Both times the call was dropped once I expressed I needed my account # dispute this fraudulently account. I advised I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. I have attached an identity theft report as well to reflect this account was made without my consent.
Product: Credit card

My account is Incorrectly reporting to my credit report that I have a balance due of {$190.00} and My bill was paid in full XX/XX/scrub> 2025 The statement went out on XX/XX/scrub>/2025 and was never reported accurately My credit limit is also showing inaccurately as my account limit is {$350.00} and my Balance is reporting a available credit of {$190.00} but my credit is {$350.00} New balance + {$190.00} Past due amount {$37.00} Credit limit {$350.00} Available credit {$190.00} Statement closing date XX/XX/scrub>/2025 Days in billing cycle 28
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a set of dispute letters out to all three credit bureaus. I received my letters back from the other two and got 31 out of 59 items removed. Some of those same accounts were also on my Equifax. However, when I reached out to Equifax after the 45 days in XXXX they said they hadn't received anything. I sent another set out to all three credit bureaus this time certified XX/XX/XXXX. The tracking number stated that Equifax received them XX/XX/XXXX at XXXX XXXX. However, when I called them in XXXX after the 45 days they stated that they haven't received anything from me, and that they haven't received any letters from me since XX/XX/XXXX. This was even after I told them that I tracked it and etc. They refuse to provide me with my credit report updates and continue to state that they hadn't received it. I couldn't find the tracking paper but I did save the tracking number below our pictures of the tracking number as well as a picture showing the time and date that they received my letters.
Product: Credit card

I have been carrying a balance with my Citi card ( last 4 numbers are XXXX ) for a couple of years now paying at least 21 % interest or more. This account has since been closed but I am still paying the high interest on this account. I am now in the position where I can transfer this balance to another card with a much lower interest rate. However, the new company needs a complete credit card number in order to transfer the balance. Unfortunately, I shredded my card long ago and dont know the full account number anymore.. I have asked Citi to provide me the full account number, but they wont provide it to me over the telephone or over email. They have said that they will send me a letter via US mail with the entire account number on it in 7-10 days. However, I have still not received such a letter in the mail. I have requested this letter at least 4 times in the past month but I have never received a letter. I think that they are purposely dragging their feet so that they can continue to charge the high interest. I would appreciate any help that you can provide, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX  XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and 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-com

pliance has adversely affected my credit score. Furthermore, I would like to refer
to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
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 : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you XXXXXXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX  XX/XX/year> EXPERIAN XXXXXXXX XXXX XX/XX/year> EXPERIAN
Product: Mortgage

Starting XXXX XXXX With agent XXXX XXXX up until today my Loan # XXXX seemed to be going in circles.I have never been late on a payment and purchased the property XXXX XXXX XXXX XXXX XXXX Arizona XXXX XX/XX/2018 for XXXX. The home has appreciated to XXXX to XXXX.My credit score was 750-770. The amount of the new loan will be XXXX. I am not asking for any money out. My XXXX XXXX account is at XXXX dollars.I gave Bank Statements that showed XXXX to XXXX per month.My second income property is valued at XXXX XXXX in XXXX XXXX with a XXXX balance and is also with New Rez Mortgage.My documents state that if this loan doesn't close within 90 days of application my borrowers rights may terminate.My current Insurer is XXXX XXXX which was presented to XXXX XXXX and was better coverage and less expensive than any presented.Many times I resent documents to make sure that the were in New Rez possession.I reached out to XXXX XXXX who was XXXX XXXX Superior with no return calls twice.I also reached out to Mr. XXXX of New Rez with no return call.I believe XXXX XXXX as I knew time was of the essence.My current interest rate is 4.8750 which is high and my payment is XXXX Dollars per month.My Loan Estimate was 3.25 % and a payment of XXXX with taxes and Insurance of XXXX included. Remember my Insurance is already in place and New Rez is the loss payee.I hate to say it but a loan agent not named said it might have slowed due to my age XXXX years old.Now suspect is {$6600.00} estimated closing costs and {$7300.00} Cash to close.Shellpoint Mortgage is associated with NEW REZ
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 3 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Transunion regarding issue with error on my credit report. They have not fix my credit. The their credit report shows 9 missed or late payment but I have not miss any payments. The Fix my credit for a couple of days ( XXXX  XXXX to XXXX XXXX ) and then change it to be incorrect. I will try and submit again but I do not trust them as they have fail to fix the issue the first time. XXXX call me to say they have sent the request to fix the issue back in mid XXXX. It is XXXX and Transunion still has not fixed the issue. I have attach proof of me not missing any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax and XXXX. XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process.
Product: Credit card or prepaid card

This complaint is effectively to reopen complaints numbers XXXX and XXXX against Comenity Capital Bank. Please, use the attachments to these 2 complaints. 

Complaint XXXX involves incorrect fees/interests Comenity Capital Bank charged to my account. 
Complaint XXXX involves the reports made to four Credit Bureaus based on the above incorrect fees/interests. 

So far, Comenity Capital Bank has responded to complaint XXXX with "... Credits have been applied to bring the balance to zero .... '' but there was no mention of the reports to the four Credit Bureaus. Hence, the reports to the Credit Bureau remain an open issue. I request that complaint XXXX be reopened. 

I need a written response from Comenity Capital Bank to address specifically the reports it made to the four Credit Bureaus. This response is needed for me to take further action to repair my credit history.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorised, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions against settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I got all my credit report. I got a late payment from XXXX XXXX. I never lived there in my life and I told them it wasnt me nothing about it, and still on it
Product: Debt collection

In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! 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 under 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! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00} Inquiries : XXXX XXXX
Product: Debt collection

According to FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, XXXX XXXX, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XX/XX/2023 under account number XXXX. 

These fraudulent accounts have resulted in hard inquiries appearing on my credit report. 
Attached Documentation : I have attached a list of the hard inquiries in question. 
I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number [ Case Number ( omit ) ]. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, [ Name of Credit Reporting Agency ], block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit card or prepaid card

Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!
Product: Debt collection

PLESE HELP ME, THESE ITEMS ARE NOT MINE AND DEFINITELY FRAUDULENT ACCOUNTS, PLEASE TAKE ACTION IMMEDIATELY. 


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 reporting, credit repair services, or other personal consumer reports

I recently disputed the accuracy of the information contained in my credit report regarding the accounts below, and to inform you that you are in violation of my rights under 15 U.S. Code 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies. your agency has failed to provide me with the required notice of the results of any investigation that may have been conducted, as well as any corrections made to my credit report as a result of the investigation. This lack of communication from your agency has made it impossible for me to fully understand the accuracy of my credit report and has caused me significant frustration and financial harm. Under 15 U.S. Code 1681s 2, credit reporting agencies are required to follow certain procedures when reporting information about consumers. The following accounts in this dispute letter attached to this complaint must be deleted.