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

A fraudulent account using my name and social security was opened at a local furniture store ( see below ). Date opened XX/XX/XXXX for {$1500.00} and currently a balance of {$260.00}. 

Actions Taken : 1XXXX spoke management at furniture ( XXXX ), asked them to delete both at their level and with credit beaurus but no action has been taken. 

2. submitted a Identity Theft report to Federal Trade Commission ( Ref # XXXX ) asking to delete from credit reports but no action was taken. 








XXXX XXXX : XXXX. XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Account type : Installment
Product: Credit reporting or other personal consumer reports

I am requesting that these errors be corrected or removed from my credit report. Please conduct an investigation and update my credit report as soon as possible. Thank you for your prompt attention to this matter. I look forward to your reply and resolution.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report is fraudulent and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. The public record of bankruptcy chapter XXXX currently listed on my Equifax credit report has been deleted and removed from my XXXX XXXX and XXXX credit report. XXXX XXXX and XXXX deleted and removed the public record of bankruptcy from my credit report because the public record is not my public record.
Product: Debt collection

Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.
Product: Credit card or prepaid card

I am putting to use the typical 1 hour+ hold I am currently sitting on with Chase 's customer service to request assistance with a refund for services not provided. 

On XX/XX/XXXX I purchased a flight from XXXX to XXXX using the Chase Travel Portal and a Chase Sapphire Reserve Credit Card. The date of the departing flight was XX/XX/XXXX and the date of the return flight was XX/XX/XXXX. The flights were booked by Chase Travel on the airline XXXX. I purchased the tickets using the mentioned credit card and accrued credit card points. The charge on the credit card was paid off almost immediately. 

The purchased flight was cancelled by XXXX due to COVID19, and further legal travel restrictions placed by XXXX and the State of Michigan ( my residence ) prevented me from taking the flight had it not been cancelled. 

I spoke with the Chase Travel customer service on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As well as several attempts during and after that time in which after hours on hold my call was disconnected without ever speaking to a Chase representative. I was informed that they were processing the request for a refund in the form of original payment, but that they were waiting for the funds to be returned from XXXX. It was recommended I reach out to XXXX to attempt to move the process along. I also called XXXX on multiple occasions, but was repeatedly informed they were required to work with Chase because Chase had purchased the tickets. I have now given both companies several months to process this refund with no progress. 

I purchased a service from Chase Travel utilizing a Chase Credit Card and the service was not provided. While I am empathetic XXXX is not providing refunds in violation of the law, I did exchange goods for service with XXXX. I strongly feel that Chase would have resolved this case in a timely manner had I purchased the tickets through any other travel provider than their own. I believe they do not want to issue a charge back against themselves. 

I am immediately requesting that the charge on my credit card for this purchase be reversed and the points be refunded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report that I recently reviewed. I noticed an error regarding my payment history that needs immediate attention. According to my report, there were two late payments reported on XXXX, which were in fact paid on time. 

Please review the payment history for this account, particularly for the payments listed for XX/XX/18 and XX/XX/18. I have attached a copy of my credit report highlighting these discrepancies for your reference. 

I request that you conduct a thorough investigation of this matter and provide me with the documented verification of these alleged late payments. If these instances can not be verified accurately, I kindly demand that they be corrected to reflect the payments as made on time, as they rightfully were. 

Thank you for your prompt attention to this issue. I look forward to your swift action to resolve this matter and adjust my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account XXXX : XXXX 2. ) Account XXXX : XXXX, Account XXXX : XXXX 3. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 an account without my written instructions
Product: Debt collection

Portfolio recovery and associates has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX XXXX XXXX 

After sending portfolio recovery and associates a cease and desist letter because the company could not fully and completely verify an account under the name XXXX XXXX original creditor. 

I have no knowledge of this account. And portfolio recovery and associates has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " trans union '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inspite of all the complaints, disputes, and investigations submitted, and filed! It still led to no progress, corresponding actions, and nor resolutions! Instead Experian has the audacity to : attempt to do a repeat, and redo of the past! Government Agencies, Yourselves, Non-profits, and nor Legal Enforcement couldn't have done : anything about my overall situation, because Experian wouldn't be trying, to repeat the same crimes, and renditions of the past! If you folks that's in charged, can't do your due diligence, and jobs when consumers turn to you'll! Why do you people exist, in the first place? Experian literally failed, and refused to do anything ; to address, and resolved my issues/problems in 2022! Look, something has to be done, about this : quick, fast, and in a hurry! How long is the system, and Persons in authority is going to ; allow Experian to keep breaking all types of laws, and violating my health, civil, and constitutional rights??? This matter should had been resolved, and settled by now! If the necessary legal actions against Experian, would had been carried out! Just can't afford another repeat, and renditions of the past! I wish this Country would do : something to preserve, sustain, and protect my health/self from, these types of abuse, and injustice at any cost, and by any means necessary!
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX added a collection of {$1100.00} dollars to my credit file per XXXX XXXX. I have previously tried disputing this accused debt due to them not having a contract. The account was removed, but shortly added back to my file. This happened without the five day WRITTEN notice, therefore XXXX XXXX was in violation. They are supposed to notify via written document that this was to go back on my credit file. They failed to do so, and could have to pay a violation fine of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit card or prepaid card

this complaint is in regards to " First National Bank of Omaha '' with whom I have had a Visa card for many years. 

I called them today, XX/XX/2021, at XXXX Pacific Time, and spoke with a representative named XXXX. The length of the call was 8 minutes and 43 seconds. 

The reason I called, was to contest a charge of {$95.00} from an online merchant called XXXX who corresponds using the email address XXXX The order was completed on XX/XX/XXXX and they emailed to say they would update me with tracking codes once the order was shipped. 

I emailed them on XX/XX/XXXX and asked for the shipping codes, they sent me the following codes claiming they are USPS tracking numbers : XXXX XXXX USPS is unable to provide any tracking information using those tracking numbers. 

I contacted them again on XX/XX/XXXX, saying I think they made up those tracking numbers, they replied with links that show the items are in the country now. 

I let them know I do not need them in the country, I need them in my mail box, and they have yet to respond or offer a refund. 

I contacted 1st National Bank of Omaha to contest the charge, and at the beginning of the phone call, the rep asked me to verify my full date of birth and the last 4 digits of my Social Security number, which I did. 

She then stated she COULD NOT HELP ME CONTEST THE CHARGE without her sending a code via text message, to a phone number that I have not had for 10 years. 

When I asked her to then CANCEL MY CREDIT CARD account she was not able to do that either. 

Thank you for your assistance, I would like {$95.00} refund check from 1st National Bank and then I would like that account CANCELLED.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is making us pay for a loan and services we never received. see attached legal documents and attempts resolution attempts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> LAST FOUR OF SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a personal loan or loans, a credit cards and utility accounts from : XXXX XXXX XXXX | balance $ XXXX Account number XXXX | XXXX XXXX XXXX| account balance {$1100.00} | account number XXXX | XXXX XXXX XXXX | account balance $ XXXX account number XXXX | XXXX XXXX | account balance $ XXXX Account number XXXX | FAIR COLLECTIONS AND OUT| Account balance $ XXXX Account number XXXX These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Product: Credit card

Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.
Product: Student loan

I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?
Product: Student loan

For over 4 years, I have been trying to have ACS/XXXX to remove XXXX late delinquencies from all XXXX credit brueaus ( XX/XX/XXXX and XX/XX/XXXX ). Yet, the creditor did n't remove until recently ( XX/XX/XXXX ). I spoke with XXXX XXXX of ACS and he reassured me that he will make sure that the delinquencies are removed as soon as possible. Yet, they are still present on all of the credit bureaus. Even after submitting the documentation to all of the credit bureaus, ACS/XXXX still not honoring their promise to remove the delinquencies. This has caused a major inconvenience with my credit report history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit 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 stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus 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 remove these filesXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute certain credit inquiries that appear on my credit report without my authorization.

According to Section 604 of the FCRA ( 15 U.S.C. 1681b ), credit bureaus may only allow inquiries when there is a permissible purpose explicitly authorized by the consumer. I have not provided my authorization for the following inquiries, and I request their immediate removal : Unauthorized Inquiries to Be Disputed : XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) XXXX XXXX  XXXX XX/XX/year> ( TransUnion ) Legal Basis for My Dispute : Section 609 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ) grants me the right to obtain all information related to these inquiries, including documented proof of my consent.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to investigate and correct inaccurate information within 30 days.

If these inquiries were made without my consent, they must be removed immediately, as they constitute a violation of the FCRA.

I Request the Following Actions Immediately : Remove all the inquiries listed above from my credit report unless you can provide written proof of my authorization.

Provide me with documentation proving that I authorized these inquiries ( if available ).

Confirm in writing that these inquiries have been removed within the 30-day period as required by the FCRA. 
If you fail to provide proof of my authorization, this will constitute a violation of the FCRA, and I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the legally mandated time frame