23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Chase Southwest branded credit card. Throughout XXXX and XXXX, I reported several overseas fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.
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 {$2600.00}, {$21000.00}, {$23000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

XX/XX/2022 I again received a letter regarding a account which I have asked them to show me a signed credit application and they fail to do so. They request I pay {$2500.00}. I have no recollection of this account. At the bottom of this letter it states " The law limits how long you can be sue on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit agencies as unpaid. 


I have requested three times they prove this is my debt. I get notice back asking or telling me they are not sure what I have asked for. I have clearly asked for a signed application of this debt. I did not take out this card. I have no idea about this card. I have asked them to stop since they fail to show me that proof.

However again today the letter has arrived. I want this gone. It is a old a debt. It is not even one they can seek money for as it is over the limitations. I have no proof it is mine and the fail to show. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX XXXX XXXX to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. XXXX XXXX online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called XXXX XXXX asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called XXXX XXXX asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows XXXX XXXX reported me 30+ days late XX/XX/XXXX. I called XXXX XXXX and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a XXXX XXXX rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " XXXX XXXX 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from XXXX XXXX would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
Product: Payday loan, title loan, or personal loan

I applied for a short term loan - as I have previously done before. On XX/XX/XXXX ( Acct # XXXX ) I opened this new lease in the amount of {$1600.00} of purchase after tax and fees the balance to be paid off by XXXX XXXX, XXXX {$1800.00}. In an attempt to take advantage of the early purchase option I made payments to complete the agreement ; I paid {$320.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and {$820.00} on XX/XX/XXXX and {$320.00} XX/XX/XXXX. The payments were all made electronically and through automated drafts by the company. All payments except the {$820.00} payment were processed. Attached is my statement showing the funds were available - and the bank states there were no attempts for an XXXX withdrawal for {$820.00}. The company stated that it was NSF but failed to provide proof of submitting payment after several requests. On XX/XX/XXXX there were funds available for the payment and i could have made another deposit to cover any costs - the company never attempted to authorize payment according to my institution- further verified by no NSF fees charged by my bank for insufficient funds. 

I continued to make payments during the time I was disputing the error and the amount owed, and tried to work it out with the company. I have paid {$2100.00} to the company to date. 

If the company had taken the payment as requested and authorized by me my lease would have been paid off within the 90 days avoiding all other fees. I respectfully ask that the loan is backdated to the XXXX payment and closed out and to have the overpayment of {$280.00} returned to me.
Product: Credit reporting or other personal consumer reports

VIOLATIONS OF MY CONSUMER RIGHTS!!!

28 USC 3002-10 ( Person ) 18 USC Section 241 15 USC 1650
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced as XXXX XXXX, account number XXXX, which appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I never provided written consent to XXXX XXXX  or any other party associated with this account to access or furnish my personal information to Experian. 

This constitutes a violation of my rights under the FCRA, specifically under 15 U.S.C. 1681b ( a ) ( 2 ), which mandates that consumer reporting agencies may only furnish a consumer report when authorized by the consumer in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint again for you to notify about some incorrect informations on my file that are need to dispute but no one seems to care regarding this matter. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items be removed immediately on my credit file : XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : 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, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX.
Product: Debt collection

Based on settlement letter sand the settlement amount on their website, I accepted a settlement to pay the collection and have it removed from the bureaus. I paid the amount due. Now the balance is still showing and has been reported to the bureau as a payment instead of deleting the tradeline as promised.
Product: Debt collection

Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.
Product: Student loan

The school I attended and ultimately graduated from ( XXXX of XXXX XXXX ) was found to have been providing false employment stats to its prospective and current students. Ref : https : XXXX The regulation, also known as the borrower defense rule, relieves the borrower of the obligation to repay all or part of the loan and associated costs and fees. 
The regulation further provides : If the borrowers defense against repayment is successful, the Secretary notifies the borrower that the borrower is relieved of the obligation to repay all or part of the loan and associated costs and fees that the borrower would otherwise be obligated to pay. The Secretary affords the borrower such further relief as the Secretary determines is appropriate under the circumstances. Further relief may include, but is not limited to, the following : ( i ) Reimbursing the borrower for amounts paid toward the loan voluntarily or through enforced collection ; ( ii ) Determining that the borrower is not in default on the loan and is eligible to receive assistance under title IV of the Act.

( iii ) Updating reports to consumer reporting agencies to which the Secretary previously made adverse credit reports with regard to the borrowers Direct Loan. 

This private loan through Navient should fall under the same classification for loan forgiveness as the federal loan has already been reviewed. Upon approval I am also seeking compensation for funds previously paid to this institution and the damages associated to my credit and my co-signers credit corrected / repaired as job placement was not available to support the student loan financial demands..
Product: Credit card or prepaid card

SYNCHRONY BANK * care credit XXXX XX/XX/XXXX ) {$0.00} balance *old navy XXXX XX/XX/XXXX ) {$0.00} balance *tjmaxx ( XX/XX/XXXX ) {$0.00} balance *jcpenny ( XX/XX/XXXX ) {$0.00} balance *amazon ( XX/XX/XXXX ) {$410.00} balance the above accounts have been closed I am guessing the following accounts will soon also be closed but as of XX/XX/XXXX they are currently open **lowes balance {$610.00} appx. bal. 
**BP gas card {$450.00} appx. bal **QVC {$400.00} appx. bal. 
The letter or email states balances are to high on credit accounts, to many open accounts. 
I have never been late on any accounts, to any SYNCHRONY held accounts nor any other creditor. 
During this time due to covid some of my credit card balances have increased. 
However, I have not failed to make above minimum payment due on time. 
I am having an issue with ine account that is HOME CREDIT credit card. 
In XX/XX/XXXX, HOME CREDIT discontinued and closed all HONE CREDIT cards entirely for everyone. 
At that time I/WE were informed that the accounts would be serviced by XX/XX/XXXX. XX/XX/XXXX I attempted to make a payment by the APP on my phone 1 day after recieved notice that the payment was rejected, I called and after 4 days finally spoke to customer service made payment by phone. Currently, I have 5 different companies attempting to collect payments for this account Home Credit, XX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX and XXXX. I refused to pay until this is sorted out and I am sure what company is going to be the only company collecting this account. 4 of the 5 are reporting this 1 account as 4 different pass due accounts. I have filed account with the Pennsylvania AG consumer bureau about the HOME CREDIT account. 
This affected my credit score. However, what SYNCHRONY BANK is doing is affected my credit severely and in turn using the damage to my score to justify further closing additional accounts. Effectively, closing 1 account then saying the percentage if use to credit available is to high. Then the balance ratio increases so they use that to clise another then another etc.
Product: Debt collection

After receiving my credit report I notice this company on my credit, which I have never seen before. Debt collectors name is Jefferson Capital system, Account number XXXX Open dates XX/XX/2024, balance $ XXXXThis is an in accurate account on my report. I did not open this account. This is hurting my ability to obtain credit.
Product: Credit card or prepaid card

Bank of America credit card is DISGUSTING! I purchased renters insurance for one year with XXXX XXXX ( through XXXX and a HUGE MISTAKE! ) on XX/XX/XXXX for {$140.00}. The agent charged me and stated I would get the declaration page through email but days went by and I never received it. XXXX couldnt find my policy nor my information the five times I called. So I disputed it with the bank. Finally, XXXX found my policy ( which was really weird ) so I then closed the dispute and the funds were put back onto my card. 
A few weeks later XXXX started harassing me that I did not pay the policy in full and I still owed money. XXXX claims BOA never released the funds ( basically stole my money ) I even reached out to XXXX XXXX, from XXXX XXXX ( who now changed her number ) who stated my policy is paid in full and to ignore all the emails. 
Well now, I AM WITHOUT RENTERS DUE TO XXXX CANCELLING ME!!!! 
First off, I want to explain the lack of customer service skills BOA representatives have. They literally will not answer your call for up to an hour, each and every time you call. It does not matter what day of the week nor time of day, know that you will be waiting on the phone for a ridiculous amount of time. That is unacceptable. The representatives have been giving me the run around about the dispute. One rep in particular, XXXX, left me a VM and I have been calling her back 3 times every day since and she still has not responded. After reporting them to the XXXX, they are doing the bare minimum to say they are at least responding, but no one is really working on it. I called yesterday and after waiting two hours to talk to someone, I was told there wasnt even a claim number for my dispute!!!! 
Plus, BOA is keeping the funds on my credit card even though that amount is being disputed and the service is cancelled!! 
BOA is insisting XXXX has my funds so they are not doing anything about it. I am NOT PAYING for a service I no longer have. One of these companies stole my money and I for sure am not letting this go until I get refunded!! 

Please note- if you need any other documents for proof, I will gladly provide them to you!
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 name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX  XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX 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 an 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: Mortgage

I've submitted multiple loss mitigation documents since my divorce was finalized from the co-borrower on XX/XX/XXXX. He signed a quit claim deed with XXXX XXXX XX/XX/XXXX. My most recent application for loss mitigation was sent XX/XX/XXXX & XX/XX/XXXX, I sent it XXXX  to just be sure the BSI Financial Services received it. I call multiple times a week because I don't want to go into foreclosure since I am the primary parent of my XXXX children who reside in the marital home with me. I recently called XX/XX/XXXX because I received a delinquent notice statement that says my account is past due and had foreclosure could happen if my loan isn't brought current, the rep XXXX ensured me that this is an automatic notice and that I am not in foreclosure danger because my loss mitigation application is still in workout review status, he also told me that my single point of contact should communicate with me and then I informed him that I have left voicemails and I've tried contacting XXXX XXXX, through no avail.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Report and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXXXXXX XXXX Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Credit reporting or other personal consumer reports

XXXX have placed an hard inquiry on my credit report dated XX/XX/24, which I have not applied or given any written consent to this company, to do so.
Product: Debt collection

Creditor : XXXX XXXX REFERENCE NUMBER # XXXX CREDITOR REFERENCE # XXXX ACCOUNT BALANCE : {$3100.00} I DISPUTE THIS ACCOUNT!!! THIS IS THE XXXX COLLECTION AGENCY THAT HAS REACHED OUT TO ME WITHIN THE LAST FEW MONTHS. THIS IS NOW HARRASSMENT!!! ANYMORE HARRASSMENT I WILL BE SEEKING LEGAL MATTERS. 

In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for debt. 


THIS ACCOUNT IS RESULT OF IDENTITY THEFT. I AM SUPPLYING FIRSTSOURCE ADVANTAGE THE SAME DOCUMENTS I SUPPLIED EVERYONE ELSE. MY POLICE REPORT AND IDENTITY THEFT REPORT. 

I just sent this information to XXXX XXXX and spoke to someone they told me it would be resolved. Now a few months later it with another collection agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers.