23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.
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 15 U.S.C 1609. 
Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A steaks 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.

15 U.S.C. 16 81 c ( 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 mandates the report by more than XXXX  years. 
15 U.S.C. 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

IC Systems called me regarding a debt from XXXX. When I initially called to ask who was calling, they refused to give me any information and wanted make to verify my address. I refused and told them that my address was not needed to verify the caller information. After a continued back and forth with the customer service representative he finally told me the name of the company and they were calling on behalf of XXXX. I told them that I have never had a XXXX account and I asked them to remove my number. The representative then told me that he could not even access the account. I inform him I will be making a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an overdraft protection feature on a checking account opened in XXXX of XXXX at XXXX XXXX XXXX. I was XXXX at the time. In XXXX of XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XXXX of XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my XXXX and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXX. And again I PAID IT BACK in full to the original creditor.
Product: Debt collection

I reported the accident about the car loan on XX/XX/year> I sent dispute letters making them aware that this auto loan isn't my account
Product: Credit reporting

Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and needs to delete immediately : XXXX-XXXX-Balance {$290.00}
Product: Checking or savings account

Bank of America garnished entire payroll direct deposit as DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX without ANY notifications
Product: Credit card or prepaid card

I have already tried getting help here but I am trying again because it is unfair what is happening to me. My ex boyfriend added himself onto my cards and then used them to charge on. I DID NOT EVER ADD HIM ON. When I discovered he was on them I asked Citi bank to remove him and they failed to do so. however, I never added him on in the first place yet they are still holding me responsible for the charges he made. I never ever authorized him to be on any of my accounts! How can I be help responsible? Its completely unfair and fraud! I even made a police report and they dont care!
Product: Money transfer, virtual currency, or money service

For a few days now, I have not been able to use any debit cards registered in my name online.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Prepaid card

On XX/XX/XXXX, I purchased a {$500.00} Amex gift card to send to my boyfriend who works out of state. He uses disposable phones when he goes to some of these rural states since our local cellphone provider doesnt good coverage in other areas. I texted pictures of the gift card and the receipt to what I thought was his new cell phone. It was not until he later asked me why XXXX XXXX sent them that I realized Id sent them to a different number. I immediately panicked thinking the person who received the pictures in error would be able to use the card. I called the number on the back of the card and was told the current balance was {$3.00} after a {$490.00} purchase on XX/XX/XXXX. I called the American Express gift card division on XX/XX/XXXX to report this as a fraudulent transaction. They opened a case on it ( case number XXXX ) and told me there would be a full investigation. I told them that Id be happy to supply pictures of the receipt that proves I purchased this with my debit card, as well as pictures to show the card is still in my possession, and any other documentation they required. They told me that someone from the investigation team would email me with instructions on submitting documentation ( this never happened ). They also told me on this original phone call that a resolution should be made in XXXX business days. I went over a week with no reply. Finally I called back on XXXX at which time I was told it would take XXXX days. I asked again if I could go ahead and submit documentation to expedite the review process and was told it was not necessary. Today I received a email notification that my dispute had been denied. I replied to the email requesting an explanation. I have not yet received a reply. I also called the gift card customer service dept and asked to speak with someone on the investigation team. I was told this was not allowed. I then requested to speak with a supervisor and was transferred to the supervisor of the dept that answers the phones. He told me he could not do anything about this and told me to just reply to the email I received. I then notified him via phone and the company via email that I intended to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

OnXX/XX/XXXX, I call American Education Services to talk about lowering my bill or getting a better interest rate. I spoke with someone on the phone stating that because my Loans were current that I had no options, and that I needed to let them go delinquent to get any type of assistance. The following month I called, again I was told, the longer you let it go, the better options you have. I kept letting it go, to see if I could get any help and each time I have been rejected. I even wrote an email to the lender through the company and hear nothing back. I now have a total of {$4400.00} PAST DUE, and spent an hour again on the phone with the company and she again told me there were no options and the past due balance will remain. She advised that I speak with a student loan consolidation company. In total I borrowed {$48000.00} dollars for college. Since 2005 I have been paying my loans on time and have only paid {$15000.00} in the principle balance with {$22000.00} going towards interest! This is on a {$48000.00} LOAN! I have been left with no options but to let this go delinquent because this company refuses to work with me. I really NEED help, I need to get this interest lowered, and get my loans in current status with better assistance. PLEASE help, the only reason I stopped paying was due to XXXX XXXX and having to pay medical bills so that I could keep seeing the doctor. This is urgent.
Product: Debt collection

I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account/inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX ; Inquiries : XXXX Inquiry Date XX/XX/2022 and XXXX XXXX Inquiry Date XX/XX/2022
Product: Debt collection

This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. 

Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
Please remove the following accounts : XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXXXXXX XXXX XXXX ) placed on my consumer report by XXXX Equifax, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately
Product: Money transfer, virtual currency, or money service

The issue concerns PayPal placing a hold on XXXXXXXX XXXX ( approximately {$10000.00} USD ) in our account ( XXXX ) as of XX/XX/year>. Key points include : Refunded Transactions : Around XXXX transactions were refunded with a fee of XXXX XXXX  applied to each, amounting to a total of about XXXX XXXX  ( {$450.00} USD ). All evidence of shipping was provided for these orders. Fees Incurred : The holds and disputes have resulted in approximately {$1000.00} USD in fees, which we have covered. Unjustified Hold : Despite resolving these issues and providing all necessary documentation, PayPal is still holding over {$10000.00} USD in funds unjustifiably.
Product: Credit card or prepaid card

Bait and Switch -- Chase Bank took advantage of COVID-19 I had a dispute charged on my Chase credit card with a merchant due to its price gouging for essential items to combat COVID-19. 

Chase bank decided to against me in the dispute, however, it agreed to suspend the payment for three months offered by an employee of Chase executive office. However, at the end of the first month of payment suspension, Chase decided to collet payment. Chase also charge hefty interest rate to the suspended payment. I questioned Chase 's ethics, it didn't respond. I didn't make payment since it was within three months payment suspension. During the second month of payment suspension, Chase bank continued to charge hefty interest on my credit card account, then added late payment fee.

I wrote to its CEO, XXXX XXXX, then, Chase closed my other credit cards with Chase. It is retaliation. Before COVID-19, I never missed any payment for all chase credit cards. As a matter of fact, all my credit cards were on auto payment.

I consider Chase is unethical ; take advantage of COVID-19, promote itself as a corporate citizen which offers COVID-19 relief whereas, it charges hefty interest rate and fees within payment suspension period.
Product: Credit card

Applied a venture card on XX/XX/XXXX, got the card on XX/XX/XXXX. Didn't activated the card until XXXX. I never used the card, but was charge {$95.00} annual fee. I called them to close the credit card, but was told it's already more than 3 month, so they have to charge my annual fee, no matter I used the card or not. And the 3 month starts from the day I applied the card, not the day I activated the card. 
It is very unfair to customer.
Product: Mortgage

I have been working with PHH Mortgage for almost two years to assist me with assistance. Despite multiple communications through mail, telephone, and email ; I have yet to receive any assistance. I spend hours each week trying to speak with someone who speaks English fluently. The representatives in XXXX are not knowledgeable and unable to answer any questions. I have yet to speak with my case manager. PHH has repeatedly been dishonest. In one communication they tell me that I do not qualify for a repayment plan because of my debt to income. We now have sufficient income and is told we do not qualify. I am requesting again to have either a forbearance or a repayment plan for this account. Will someone please listen and help me?
Product: Credit reporting or other personal consumer reports

These late payments don't match how I normally pay.