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

On XX/XX/XXXX I received an email alert that my phone number was updated. This phone number update was unauthorized, and was not made by me. Within minutes, I contacted chase card member services to report the incident. 
After a few transfers I was told at one point that someone in the Chase Fraud unit had updated my phone number, and I would need to speak to them. Later, I was told that someone called Chase and impersonated me and added this phone number to my account. 
I also noticed several fraudulent charges for XXXX Auto parts made on the account XXXX XXXX XXXX XXXX XXXX  I have never purchased any merchandise from this company and these charges were not made by anyone in my family. called again, and was told I would not be responsible for these fraudulent charges made on my account and they would open a claim file and send me an ID Theft Protection Kit. 
The account was closed, and a new account was opened. I reset passwords on my online account and provided a security word with the Fraud specialist, that I was told would be required for any future phone calls which requested changes to my account information. I was assured my other accounts with Chase were secure. 
I received my new card within a week or so, and also received the ID Theft protection kit. 
On XXXX  I noticed the following charges on my new account, for this XXXX  Auto Parts, and called Chase at XXXX and spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  informed me that the reason the charges were put on my new account was that because the charges were found to be valid. When I questioned how that is even possible- she indicated that during the claim investigation On XXXX someone from Chase Fraud team had a recorded three way call with this merchant and ME and that I agreed that these charges were VALID. I informed XXXX, that I was NOT a participant in that phone call, and whomever they spoke to was absolutely NOT me. 
This allegation is 100 % false, and I told XXXX, that I would like to have this re-opened and have someone else review and provide me with more information, as whomever they spoke with was NOT me. She indicated she would put in the request and someone from Chase would contact me to discuss. 
I later received the letter dated XX/XX/XXXX indicating the results of the investigation, and that I had received benefit from the transaction. This allegation is 100 % false. 
I had not heard back and called chase to get a status the week of XXXX XXXX, and was told it was still an open case, and someone would be getting back to me. 
I received a letter dated XX/XX/XXXX indicating the 2nd review confirmed their previous finding and that the transaction is valid and that I am responsible for it. I have spent hours on hold, call transfers, putting a hold on my credit report, filing claim with the FTC, writing letters. Unbelievable that even though I called within minutes of receiving the notice that someone updated my account and reported it AND i contacted them within a day of the charges added to my account that they are STILL refusing to resolve this fraud activity and holding me responsible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were fraudulently created or accessed using my personal information, which was compromised during a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have these fraudulent items removed from my credit file. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XXXX of XXXX, 2020. 

I also sent out a request for proof of verification of the unverified accounts on the XXXX of XXXX, 2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Product: Credit card

On XX/XX/year> I applied for American Express Gold Delta card while purchasing airline tickets with Delta. The offer was {$400.00} AMEX statement credit. Only {$200.00} statement credit was issued. I saved the snapshot of the page showing that I will be getting a {$400.00} statement credit. 
On XX/XX/year> I contacted American Express and they opened the case to investigate. I stated that I have a screenshot showing that I am suppose to get a {$400.00} statement credit and offered to send it to them. They stated that they can not take it while opening the case and that someone will reach out to me in a few days to get it. That did not happened. 
On XX/XX/year> I called Amex again and talked to XXXX XXXX ( ID : XXXX ) : he said that Amex conducted a review and determined that I was only supposed to get {$200.00}. I complained that there was no communication, no one requested my evidence, etc. He assured me that he will reopen the case and promised to indicated in his notes that i requested to be contacted and would like to present my evidence. He also said that estimated date of resolution is XX/XX/year> By XX/XX/year> there was no communication from Amex. I called again. Talked to XXXX ( ID XXXX ). He claimed that the inquiry was closed " a few days ago '' and that they internally confirmed that I was only owed {$200.00} statement credit. Again, no one contacted me about my evidence and they didn't even bother to notify me of their decision. 
All they have been doing is just brushing off my concerns, not providing any evidence of their own and refusing to even look at my evidence. This all looks like plain false advertising and bait switch.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : Lawful debt request Affidavit 1st notice XX/XX/year> : Lawful debt request Affidavit XXXX notice XX/XX/year> : Lawful debt request Affidavit Default notice XX/XX/year> : sent information that i was filing suit in federal court ; also sent police report and Affidavit of truth Documents requested : Validation of Debt ( the actual accounting ) Verification of the claim against me ( signed invoice ) Copy of the contract binding both parties On all of the days that are listed i sent affidavits to Credit Acceptance to send me the information above they never sent anything what was asked. Credit acceptance has improperly been reporting late payments to credit report without giving me any of the above documents. I have filed a federal court case against Credit Acceptance which i filled out improperly and have to go back to federal court to redo the paperwork. In the coming time Credit Acceptance and XXXX XXXX will be under federal questioning for Anticipatory Repudication.I have also sent Credit Acceptance an Affidavit of truth and a police report. The late payments on the account need to be removed immediately as credit Acceptance has had more then 30 60 even 90 days to properly report my credit which they fail to do.15 USC ss 1681n Civil liability for willful non compliance is another federal code credit acceptance is disregarding. 
The agreement/contract they sent my name XXXX XXXX was the buyer and XXXX XXXX was the seller. I also agreed to pay Credit Acceptance on the condition they could supply me with all the documents judging by the time that has passed and they continue to send the same one document I'm led to believe Credit Acceptance can not supply me with the documents I'm requesting
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX & PORTFOLIO RECOVERY are violating federal law and making excuses as to why they are doing so. 2 companies can not collect for the same debt. That is impossible. Both companies responded and provided the same billing statement for a national bank known as XXXXXXXX XXXX which is insured under FDIC and does not incur any losses due to this insurance. What happened was fraud and these 2 companies continue their illegal acts by attempting to force me to pay them money they are not entitled too. I have a right to freely contract if I chose too and I dont want to do any business with these debt collector furthermore they have no authority to force me to pay this debt because they are not authorized to collect because they are not listed on any of the banks incorporation documents or bylaws as an interested party in their business practices. I have previously disputed these debts with the companies and they forwarded long statements with billing statements but no evidence from their company with their letterhead to indict I have a lawful obligation under color of law. Their policies and procedures do not override federal law and their claims will not withhold in a court of law. I now demand they cease all collection activities return this contract to the rightful owner so they can pursue further action if they choose necessary.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, requested false information be removed. They flat out said no they would not help me. There was a report stating I was 30 days late, when actuality I submitted a request for a deferment for a total of two months.
Product: Prepaid card

Two prepaid amex cards were purchased on XXXX. I have since tried to use them numerous places and they are consistently declined. When I'm able to reach customer service their solution was to try somewhere else. All attempted transactions were at merchants that accepted American Express and the transaction amount was well under the balance of the gift card. 

A few of the merchants attempted are XXXXXXXX XXXX XXXX and my hair salon.
Product: Credit reporting or other personal consumer reports

There are several unauthorized inquiries showing on my credit report. Equifax is inaccurately reporting unauthorized inquiries from XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. XXXX is inaccurately reporting an unauthorized inquiry from XXXX on XX/XX/year>. These are all unauthorized, and need to be removed as they are negatively impacting my credit. I have called the Credit Reporting Agencies already, as well as submitted an FTC Report. The FTC Report only allows for XXXX inquiries individually listed, and their website provides the instruction to list any additional unauthorized inquiries in the personal statement section, which I did for XXXX.
Product: Debt collection

I logged into my credit card app for XXXX  XXXX and checked to see how my credit is doing since I make my payments on time and saw that there are 3 negative accounts on there that are not mine and dont recognize them. I know what accounts I have and theyre all in positive good standing almost paid off.
Product: Checking or savings account

On XX/XX/2021 my checking account was charged {$250.00} for a service i did not authorize. This was for a local hair salon, i reached out to my bank filed a dispute, dispute was denied. XXXX XXXX XXXX in XXXX is who charged my account and i was told i could reschedule for another day, and she has the right to charge my account. Bank of America denied my claim, after indicating what happened and that i never authorized nor did i receive services. 
There was no way i would have been able to authorize such thing as I was quarantined at home, was XXXX XXXX and now being charged this ridiculous amount plus an overdraft fee.
Product: Vehicle loan or lease

I am an aggrieved man, UNITED AUTO CREDIT is rescinding my loan. I did not break my loan agreement. I ended up in the hospital for health issues. I had XXXX and was out of work. I got released from the hospital XX/XX/19 and go back to work XX/XX/19. I notified an agent with UNITED AUTO CREDIT that I would be late with my payment because of this unexpected issue. I paid {$100.00} towards the balance with the little money I did have and was going to make a payment of {$100.00} a week until I get paid again and could pay the balance owed in full. UNITED AUTO CREDIT agent told me this was okay because of the unexpected health issue. Fast forward to XX/XX/19 my vehicle was repossed by XXXX XXXX. I spoke with XXXX from UNITED AUTO CREDIT and he advised me they did not give XXXX XXXX permission to repo the vehicle. He advised me now UNITED AUTO CREDIT is cancelling my loan and leaving me without a vehicle to get back and forth to work. I respect that this is a business but that's a horrible business practice. To repo a vehicle from someone making payments in good faith and asking for some time. I am not a debtor and always pay my debts. I intend on paying this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquires without my knowledge Us Bank XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The balance on account info does incorrect and not updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX shown : {$7700.00} Actual balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent XXXX XXXX account doesn't belong to me. I've been disputing it for over a year but EQUIFAX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX, and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account number : XXXX Account Name XXXX XXXX XXXX XXXX  Account number : 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed an account with XXXX XXXX XXXX that is on all of my credit reports. XXXX ( XXXX XXXX days later, XXXX XXXX authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

XXXXXXXX XXXX dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. XXXX XXXX also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that XXXX XXXX XXXX has violated the FCRA and FCRB and did not provide me within the XXXX- ( XXXX ) day time frame as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Department of Education/XXXXt XXXX XXXX ), ( Department of Education/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX ), ( XXXX XXXXXXXX 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 or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX