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

I applied for a credit card after i received solicitation in the mail for a Jet Blue credit card. I didn't sign up to receive this. Since i visit my grandmother more frequently and they offered flight incentive i thought i would give it a try, i was denied and tried to reach out to them again for reconsideration and non was given, My federal consumer rights were violated. i was discriminated against and received no equity from this transaction. I also believe that Barclays bank did not act in good faith by offering me something that i would be denied for when i had no interest in the first place. some how i was " preselected '', i didn't sign up for notifications from them. I believe it was because i was on a JetBlue flight returning home from visiting my grandmother. The adverse action has actually dropped my credit score and my privacy was infiltrated. I would like legal action to be taken and full payment for every violation made according to the federal consumer law.
Product: Debt collection

This debt was not taken out by me and I did not receive funding. During that time I was sick, suffering from XXXX XXXX XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXX. When I realized that loan payments were being deducted from my account, I contacted the company with the phone number listed. i did not receive any communication with regards to a court date. The only corresponding I received is an court order signed by a XXXX, saying that I am responsible for the payments. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that have late payment activity that is not correct, my account was never late.
Product: Checking or savings account

XX/XX/2020 Bank of America froze my checking account due to alledged " fraudulent activity ; subsequently seized {$7000.00} from my account with a partial from " unemployment pandemic funds " According to Bank of America I've been under investigation for 3 years and they never gave me a reference number to follow up with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what happened to cause JP Morgan Chase Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked JPMCB to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX XXXX, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with JP Morgan Chase Bank ( JPMCB ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been compromised and used without my authorization, leading to the fraudulent accounts and inquiries listed below appearing on my credit report. I request that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Sezzle twice about the wrong balance reported on my account. The first time I called about the issue I was told my issue was escalated to a supervisor & would be called back. That never happened. I ended up calling again and was told they were late updating everyones credit report for the month of XXXX. I took a look into my XXXX  report today & today is XX/XX/XXXX not update of my current limit, wrong limit shown and balance. Sezzle has continually hurt my credit score since Ive been using them my credit has continuously dropped due to credit utilization being too high when I have paid this account off and have a higher credit limit. It shouldnt take 2/3 months to update a credit report.
Product: Credit reporting or other personal consumer reports

i called the credit card company after I found out someone applied for a credit card in my name. The credit card was denied, but someone has my information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

on XX/XX/year> I sent a certified letter to Navient invoking my rights under the FTC holders rule demanding a decision through a written notice within 30days. Instead of responding as requested Navient sent a letter to contact them on XX/XX/year> and another one on XX/XX/year> with threat to litigate .Today XX/XX/year> I signed/logged in their portal to check on the loan and realized they taken down some of the information including the interest charged but most documents I have already saved
Product: Credit reporting or other personal consumer reports

IM DISPUTING AN ALLEGE LATE FEE PUT ON MY ACCOUNT, DUE TO THE NEGLIGENCE AND CROOKED BUISNESS TACTICS FROM XXXX XXXX, XXXX, AND EQUAFAX HAS BEEN FOUND GUILTY AS CHARGED BY THE CFPB FOR NOT DISPUTING BOGUS LATE FEES FROM LINES OF CREDIT AND CREDIT CARDS FROM CONSUMERS LIKE MYSELF..THIS NEGATIVE PUBLICITY HAS BEEN ALL ON THE NEWS, AND ONLINE ... XXXX AND XXXX AND EQUAFAX HAS NOT BEEN READING DOCUMENTS THAT'S BEEN MAILED AND EMAILED TO THEM, THESE CREDIT BUREAUS HAS BEEN COMMITTING UNDERHANDED, UNETHICAL BUISNESS TACTICS TO HARD TIME AND CAUSE HARDSHIP ON CONSUMERS LIKE MYSELF FOR A PRICE... .I WANT THE CFPB TO PLEASE READ ALL MY DOCUMENTS THAT I'VE BEEN SENDING TO THESE CREDIT BUREAUS, AND YOU WILL SEE THAT I ALWAYS ASK THEM TO READ THE DOCUMENTS ... .REGIONS BANK WHO PUT THIS BOGUS LATE FEE OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ALSO DID NOT FOLLOW PROTOCOL ..15 U.S. CODE 1666 b TIMING OF PAYMENTS ... CFPB LAWS AND REGULATIONS STATES..A CREDITOR IS SUPPOSE TO HAVE DELIVERED 21 DAYS BEFORE BILL IS DUE... THIS DID NOT HAPPEN..ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!!
Product: Debt collection

Account : XXXX XXXX XXXX I recently became aware of an account that has been attributed to me, and I believe this information is inaccurate and fraudulent. 
I have previously requested that this company provide the purchase agreement. Additionally, I am seeking copies of any relevant documents associated with this account so that I may thoroughly review the details. It is essential for me to verify the legitimacy of this account and confirm whether it indeed belongs to me.

I kindly request that you promptly provide the requested documentation. This companies failure to send requested information is considered a violation of the Fair Credit Reporting Act.

Furthermore, I insist on the immediate removal of this disputed account from my credit report until such time as the requested documentation is provided and its accuracy is verified.

Thank you for your cooperation in resolving this dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I checked my credit report and noticed incorrect items. 
I reached out to the debtor and no avail and then sent a letter to the credit reporting agencies. 
I requested information and explanations to be sent back to me to explain why these items are on m report. 
I have yet to hear or receive anything back and it has been well over XXXX  days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX OF XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$35.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$810.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$8900.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account INQUIRIES : XXXX : XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  CA on XX/XX/XXXX GLS on XX/XX/XXXX XXXX/L on XX/XX/XXXX XXXX : XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX FINANCIAL on XX/XX/XXXX XXXX FINANCIAL SER on XX/XX/XXXX XXXX  FINANCE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX EQUIFAX : XXXX  FINANCIAL on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit card

While my husband and I were in XXXX XXXX, several charges were made physically on our credit card by an unknown entity in New York called XXXX XXXX We did not make these charges and our credit card was physically with us. When we returned to the states we reported it and chase bank failed to honor its zero liability fraud policy. It also failed to conduct a good faith investigation into what the charges were, who the merchant was and how we could possibly be in New York using our credit card at the same time we were in XXXX XXXX using it. They refused to honor their zero liability fraud policy and decided we received a benefit and they would not reverse the charges. We received no benefit and they can not tell us what benefit they believe we received. They also did not decide this matter in a timely manner in accordance with the law which is 90 days.
Product: Debt collection

I had medical bills for my husband get sent to quad corp. I started making monthly payments in XXXX XXXX XXXX  I missed one payment in XXXX because my husband had XXXX and I was putting in extra hours to keep our restaurant open. I continued to make monthly payments again in XXXX and even increased my payments and have continued to make monthly payments. Imagine my surprise when the Sheriff showed up at my house this morning to serve me judgement papers for this bill. When I called in to speak with them they told me because I didn't have a " payment arrangement '' ... even though I was making monthly payments ... that they want the payment in full or I will have a judgement on my record. 

I was told my payments weren't enough. Then I explained how we have two XXXX XXXX XXXX in our household. Our supplies cost us {$700.00} per month... so we can live. I was making payments I could afford while also making payments on all our other medical bills. I have record of every single medical bill I pay because we pay so much that we can use the bills to lower our taxable income. 

This is the absolute worst company I have EVER had to deal with while making payments on a bill!! WORST!!
Product: Payday loan, title loan, or personal loan

My husband and I applied for a loan to pay for emergency replacement of our septic system, without which our home would not be livable. We also requested a large enough loan to take care of some other home repairs and upgrades. The bank we applied to last XXXX was the one that already held our mortgage. We applied in XXXX and -- because of the emergency nature of the septic replacement -- had to hire a contractor before the loan was approved. In late XXXX the bank officer we were working with told us the loan was provisionally approved pending one last item : a home assessment. The assessor said he needed to see county health department approval of the work done on our septic system. Before completing this work, the contractor insisted on being paid a significant percentage of what we owed. For that reason, we drew down our cash reserves and put the large remainder on a credit card, which we planned to pay off as soon as the loan was approved. This left us in a precarious financial situation. However, Chase did not approve the loan upon receipt of the home assessment. Instead their representatives started demanding more and more documentation from us and refused to explain why. Chase representatives also stopped communicating with us in a timely manner and had to be prompted to do so. After I sent a complaint letter to the bank branch manager, I received a phone call from a Chase customer service representative insisting the only way I could follow up on the complaint was over the phone. When I told him I am hard of hearing and asked to communicate via email or text, he insisted that the only way he could communicate with me was verbally, despite the fact that this is a violation of the Americans With Disabilities Act ( and I have already filed a complaint with them ). By XXXX we realized Chase was not going to either approve or deny the loan. For some reason, they were keeping us in limbo. So we found another bank that approved the loan in three weeks. In our opinion, Chase was negotiating with us in bad faith, which endangered our family 's finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX  XXXX  XXXX {$770.00} XXXX/XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX   XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Product: Bank account or service

I bank with td bank, My card has been twice in a two week period and not even reached me yet. 
It took three days to make a complaint two DAYS TO PROCESS COMPLAINT AND 20 DAYS AND STILL HAVE NOT GOTTEN BANK CARD. i AM SO FED UP WITH SERVICE. SOMEONE GOES ON ON LINE BANKING AND DISTURBS ALL THE WORK THE BANKERS DO IN COURSE OF DAY.. i HAVE BEEN TARGETED MORE THAN ONE TIME IT IS AN INSIDE JOB. LOOK INTO MATTER PROMPTLY.. BANK CARDS ATM CARDS CHARGE NEED BETTER SOMETHING SO THIEF CAN NOT ACTIVATE. UN EXCEPTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX just placed an item that was previously reviewed and deleted by the credit reporting agencies the amount is {$110.00} and it was put back on my credit report on XXXX this item was reviewed and removed on XX/XX/2020 I don't order this kind of service cause our landlord doesn't allow antennas on their buildings, my current address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA,XXXX my name is XXXX XXXX cell XXXX XXXX XXXX XXXX, I reported that this item was opened fraudulently .. I will need from XXXX XXXX the address and phone # where this service was place on so I can call the local authorities.. in the mean time i want them to removed that item from my credit report.. thank you very much for your help in advance.
Product: Credit reporting or other personal consumer reports

Transunion is in fact still reporting inaccurate information on your TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I sent a certified dispute letter requesting validation of the account being reported by XXXX, XXXX, and Experian. 

I received a response from XXXX XXXX on XX/XX/XXXX stating : " All account information ans documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do so. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX and Experian have violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.