23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have unexpectedly appeared on my credit report today, and I am completely at a loss as to why this has happened. I checked my credit report as part of my routine, only to find discrepancies that werent there before. After refreshing my browser multiple times to rule out any technical error, the inquiries still werent removed. This situation is incredibly frustrating, and I urge you to review my documents carefully so that I dont have to deal with this again.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off the loan ending in XXXX application I'd XXXX over two weeks ago and still have not received m refund which should be over XXXX dollars.They have a policy where they demand prompt timely payments but thier policy for refunds is not mutual
Product: Credit reporting or other personal consumer reports

I am disputing a 60-day late payment reported by JP Morgan Chase Bank on my personal credit report. This issue stems from a business LLC account that was under a separate login and inactive in terms of daily spending. I was completely unaware that there was an overdue balance on this account and was never properly notified by Chase before they reported it against my personal credit. I did not knowingly receive any prior communication from JP Morgan Chase Bank about this being an issue as I did not speak with anyone about this matter or was aware of it. 

I only became aware of the situation when I received a credit monitoring alert notifying me that my credit score had significantly dropped. After investigating, I traced the source of the drop back to this account. As soon as I discovered the issue, I immediately accessed the account and paid the full overdue balance to bring it back into good standing. 

Immediately after resolving this issue, I contacted JP Morgan Chase Bank and kindly requested a goodwill removal of this late payment as a responsible customer with a strong payment history. However, JP Morgan Chase Bank refused my request despite this being a one-time, unintentional issue. 
Reasons This Dispute Must Be Investigated : 1. I was never informed of the overdue balance before it was reported to the credit bureaus. JP Morgan Chase Bank failed to notify me in a meaningful way that would have allowed me to take corrective action.

2. This was a business account, not a personal account, yet JP Morgan Chase Bank reported it against my personal credit without warning or knowingly informing that this would happen.

3. The amounts reported by JP Morgan Chase Bank were not accurate, further violating my rights under the Fair Credit Reporting Act ( FCRA ). I request full documentation verifying the balance and payment due dates.

4. JP Morgan Chase Bank must provide verifiable documentation proving that their reporting was accurate and legally justified under the FCRA. 

5. Given the circumstances, I request that this late payment be removed from my credit report.

I request that the CFPB investigate JP Morgan Chase Bank 's credit reporting practices, specifically : Their failure to verbally notify account holders before negatively impacting their credit.

Their policy of reporting business account delinquencies on personal credit reports without clear and direct communication.

Their inaccurate reporting of account balances, which violates FCRA guidelines.

Their refusal to grant a reasonable goodwill removal despite the circumstances.

This one-time mistake should not continue to impact my credit for seven years, especially when I was never properly notified of the overdue balance or given a fair opportunity to resolve the issue before reporting.
Product: Student loan

On XX/XX/XXXX I submitted my PSLF application with employment verification. I called numerous times and finally was told my application is under review by Fed Loan. I heard nothing, but saw others who had submitted their applications after I did receive approval. Not once in 90 days of waiting did Fed Loan contact me to clarify or ask for additional documents.. On XX/XX/XXXX, I made 3 calls. Three hours of waiting for return calls. The PSLF specialist stated my application was on hold. I asked why and she refused to explain. I finally got through again and was told their was a name discrepancy with my name and they asked me to submit a W2. I submitted my XXXX W2. I then called again the next day and was told my employer 's name has a discrepancy. I explained that the Auditor for the county issues payroll for county agencies. I also explained I had worked for two different county agencies. I then submitted my XXXX W2- for my employment with XXXX  XXXX XXXX XXXX XXXX , Ohio where I was employed from XXXX. I have been employed by XXXX XXXX  XXXX XXXX for XXXX County Ohio since XXXX. The FEIN is for the XXXX County Auditor because the auditor handles payroll for almost all county employees. Now they are telling me my application is on hold due to transfer to from Fed Loan to XXXX. I saw a letter from XXXX that the application must be complete by XX/XX/XXXX, expiration of TEPSLF. I believe Fed Loan has improperly delayed the processing of my application. I feel that my qualifications for the TEPSLF is jn jeopardy as they will not verify my application is complete. I have made far in excess of the 120 required payments and therefore my loan would be forgiven.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against your agency for the blatant reporting of false information on my credit report. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my report have caused substantial damage to my financial standing and peace of mind. 

As credit reporting agencies, you have a legal obligation to ensure the accuracy and integrity of the information you provide. It is your duty to conduct thorough investigations into reported inaccuracies. Your complete disregard for this responsibility is unacceptable. I demand the immediate deletion of all erroneous entries from my credit report. 

The FCRA is unequivocal : consumers have the right to dispute inaccurate information, and you must investigate these disputes promptly. Your failure to correct or remove this erroneous information is a direct violation of my rights and constitutes a serious breach of the law. 

If this matter is not resolved immediately, I will take legal action, including pursuing small claims for every instance of wrongful reporting. I expect a detailed written response within 30 days outlining the actions you have taken to rectify this situation. 

This is not merely an inconvenience ; it is a violation of consumer rights that can not be ignored. I insist that you act in accordance with the law and rectify these errors without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I discovered a negative account XXXX XXXX XXXX XXXX XXXX XXXX for {$78.00} had been re inserted into my credit file. Company is required to notify me within 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit card

I am reaching out regarding a serious issue with my Dell payment plan provided through Comenity bank. I initially signed up for a 12-month promotional financing plan ( ) % interest or fees ) on my purchase. However, after one month, the promotional plan was unexpectedly transferred to a non-promotional plan, and I am now being charged a finance charge of {$30.00} each month. THIS IS COMPLETE FRAUD, either on behalf of Dell or Comenity Bank.

This situation is extremely concerning, and I believe it to be an error or a misunderstanding that needs immediate resolution. I have contacted Comenity Bank for clarification, but unfortunately, I have not received any resolution. Instead, I feel like the situation is being unfairly mishandled. Please help - I have also sent an email to Dell but I have not received any response.
Product: Debt collection

IC Systems Inc are reporting collections thats do not belong to me and they are not able to locate this collection on their end
Product: Debt collection

My XXXX account was closed 8 years ago with device turned in and final balance paid. I started a new family account with my girlfriend the same day. Out of nowhere this false debt was created on my credit. Now 7 years later its sold to a new collector after it was removed once before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a dispute letter to validate a debt Credence Resource Management , LLC on XX/XX/XXXX. I received a letter from the collection agency acknowleding they received my dispute dated XX/XX/XXXX. Then, I received a second letter from Credence Resource Management dated XX/XX/XXXX stating " The creditor verified that the charges on your account are valid.. '' I did not receive anything proving this debt is validated and that it is mine with this letter I received anything required by the Fair Debt Collection Practices Act from the collection agency. I am requesting that this debt be permanently deleted from both my XXXX and XXXX credit reports because the debt had not been validated and it has been 54 days since the debt validation. Long past the legal amount of time to validate the debt.
Product: Mortgage

On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX INT : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX  ) Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Prepaid card

I bought an American Express gift card at XXXX drug store in NY. I paid {$120.00} for the gift card. When my friend tried to use it the gift card did not have any money on it. I called American Express, they told me that the gift card was never funded at all. I went to the store about the problem, the store XXXX did not help me at all, and he gave me XXXX customer support phone number. I called more than 3 times asking for a duplicate receipt. XXXX rep. told me that he found my duplicate receipt and later sent me a receipt. However, it was a totally wrong receipt. It was not a gift card purchase for {$120.00}. This is a fraud case. I need your help. I tried to resolve this issue with XXXX however XXXX did not care about this issue.
Product: Checking or savings account

I am reaching out to Capital One as I am still looking for an answer to why my checking account funds are blocked from me being able to make a withdraw of my funds. This is the second complaint because I was questioned by the consumer protection department about an SBA loan deposit that went into my checking account ending XXXX over three months ago. But on the same day, XX/XX/2020 Capital One consumer protection department also locked my other checking account ending in XXXX and they also locked my daughter checking account ending in XXXX. I am still trying to figure out why no one in the Capital One customer service department was unable to tell me why my funds from all three accounts are being held, hostage. I joined Capital One bank because I thought it was a bank for Racial Equality, but that outlook has changed. I can not see any reason that Capital One has for holding my funds at all, but to hold it for all three is the oddest thing I ever witnessed by a bank. I feel that if Capital One had a legitimate reason for holding my funds I would have been told by now. I never ever had a bank block me from withdrawing my own money from it let alone from all three checking accounts. I also have three credit cards with Capital One and I want badly to cancel them for this matter. I know if I do I will hurt my credit history and this is the part that really XXXX me off. I can not even pay my credit card bills because I am unable to use my money locked up in these accounts. I truly hope CFPB will take this complaint to heart to help the next person who deals with Capital One godlike position to hold someone money in multiple accounts with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I've recently checked my credit report and noticed Exeprian has been reporting XXXX XXXX  XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

Experian continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later Experian still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted Experian many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information. they are using my date birth social security number.ID.they messing up my good credit by using my information.yes something need to be done about this situation.
Product: Debt collection

I would like to reopen case XXXX on XX/XX/2023 I recieved a debt collection call from a local debt collector XXXX XXXX acting on behalf of american express XXXX I was not home to take the call. I do not have an amex card or any business with the company so this call could only be about my brothers debt to Amex. It is insane that these people are calling anyone with the last name XXXX that has a listed number. Please make them stop. I think it is sanctions or time for fines! I work hard and pay my bills on time so I do not get calls like this that are about my debts. I should not be subjected to harassment about a debt that I have nothing to do with. I have no means to contact XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 : 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 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO 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 # [ Enter Complaint # from FTC report ] 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: Consumer Loan

I purchased a washer and dryer from XXXX. XXXX XX/XX/XXXX for {$2500.00} ( including tax ). There was a 0 % interest loan offered which I accepted. My understanding was the loan would be paid off on installments with no interest. I have never been late on payments. Other than a smale note on the XX/XX/XXXX electronic statement, I was not given notice that the rate was expiring. In XX/XX/XXXX, Synchrony Bank ( which manages the loan ) increased my payment without notice other than the monthly electronic statement. I did not catch the increase until XX/XX/XXXX ( after XXXX payments ). I contacted Synchrony and was informed that the promotional rate had expired and I was being charged interest after the fact ( 29.99 % APR ). The XX/XX/XXXX balance was {$1000.00}. After the interest add-in, the XX/XX/XXXX balance jumped to {$2500.00}. When I inquired about paying the loan off, the only payoff they would accept was at the XX/XX/XXXX level - I was a " a few days late '' in inquiring. I summation, I made payments for XXXX years and by their accounting owe more than I paid for the equipment. 

I have made many purchases with 0 % interest loans in recent years, including a new truck. All of these I made payments to complete the payoff WITHOUT any hidden increase. I was never made aware of this during the purchase and my wife who is very particular about finances was with me the entire time. I have continued to make the payments as I did not wish to default. I have gotten no satisfaction from H.H. Gregg/Synchrony Bank even though I wished to pay the debt off.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX XXXX XXXXXXXX and Early Warning. I previously submitted a FTC report to early warning in reference to a XXXX XXXX XXXX, XXXX # XXXX. Early warning says they followed the law of the FCRA 15usc 1681c-2. A consumer reporting agency is obligated to block the reporting of any information in the consumer 's file identified as resulting from alleged identity theft. So I opened a bank account with XXXX XXXX  And a few days after XXXX XXXX frozen and or closed my account stating that XXXX XXXX XXXXXXXX is rereporting something on my credit report that was blocked by early warning. I sent a certified letter to XXXX XXXX XXXX ( tracking # XXXX ) regarding the unresolved dispute and the unanswered dispute letter i sent. This situation is not only causing me undue stress but is also severely impacting my ability to manage my finances smoothly. the lack of communication and timely action from your end is exacerbating the situation. I kindly request your urgent attention to this matter to prevent any further complications. I believe that a swift resolution is in the best interest of all parties involved.
Product: Debt collection

Based on my submitted complaint below I am now being harassed with phone calls in an attempt to collect a debt that is not owed. My account is currently update but the company closed it regardless. 

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Amount : {$0.00} Date of Account : XX/XX/XXXX