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

I received an email on XX/XX/2019 from XXXX ( JPMorgan Chase Bank ) about changes to my Chase account, which included a forced arbitration clause and an exorbitant 15.99 % APR plus the Prime Rate = 21.49 % APR. In the section detailing out the requirements to reject this arbitration clause, the email, in part, states : " You must do so in writing by stating that you reject this agreement to arbitrate and include your name, account number, address and personal signature. Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' The requirements of JPMorgan Chase Bank to give notification of Arbitration Rejection places undue burden upon its customers.
Product: Credit card or prepaid card

Two credit cards in my name I did not apply for. Bank of America on XX/XX/22 And another Bank of America card on XX/XX/22 Notified Bank of America on both cards.
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 XXXX Original creditor : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXX, Account name : XXXX XXXX  # XXXX Original creditor : XXXXXXXX XXXX, has violated my rights.

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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

I received notification via my credit monitoring service that I had a collection placed on my account. This dropped my score over XXXX points. I never received a notification of owing the debt or that I could dispute the debt. I requested verification of the debt and the only thing they sent me was a bill from XXXX. This debt was previously with another debt collection company and I contacted XXXX and they said I did not owe the debt. I communicated that to Southwest Credit Systems and they told me I owed the debt. I have only received 2 communications from them and that was after they reported my account to the credit bureaus. Additionally this account is from 2015 which is 7 years old but they are reporting it as if it was new.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I sent a notice of billing error dispute to Discover bank on XX/XX/2022. They received this via usps tracking and sent a signed return receipt back on XX/XX/2022. This notice stated that the entire balance at that time of {$15000.00} was disputed. According to 12 C.F.R. 1026.13 ( d ) ; 1 ) Collection action is prohibited, 2 ) Adverse credit reporting is prohibited, and 3 ) Acceleration of debt is prohibited. Discover reported adverse events to my credit reports and continued to accelerate the indebtedness of this account during this billing dispute. They responded with a packet of statements along with a letter saying they deemed the account valid. Discover has failed to provide documentary evidence of indebtedness as monthly statements do not lawfully or by agreement constitute evidence. Discover can not deem this account valid without such documentary evidence.
Product: Credit card

my daughter had XXXX on XX/XX/2016. i put the {$1500.00} on carecredit with synchrony bank. the terms were no interest if paid within six months. i set up my bank account bill payer to pay {$250.00} on the first of each month starting XX/XX/2016. i have just received a bill for 5 late payments and interest on the entire amount for {$300.00}. they said i paid outside of the billing cycle and that every payment was late, not early, my billing cycle is the XXXX through the XXXX of each month. so because i was paying on the first, every payment was late, according to them, in my eyes it looks early but they said they can not accept early payments. so they said my initial payment was to just reduce my balance ( is n't that what all payments are for? ), and my second payment should have been paid between the XXXX and the XXXX. i think this is a very unfair practice. i paid the entire amount within the six month promo period and am still being charged {$300.00}, is there anything that can be done??
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 15 USC 1681 ( c ) ( 2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have contacted Equifax fourteen times, via certified mail, consumer protection financial bureaus portal, and Equifaxs dispute portal to dispute fraudulent accounts which were a direct result of identity theft, on my consumer report. 
Despite providing proof of the Federal Trade Commissions identity theft affidavit, police reports, my current drivers license and utility bill, and a dispute letter stating that the information/ transactions were fraudulent and not relating to any transaction by me, Equifax has failed to follow the law, conduct an actual investigation, and remove all fraudulent information from my consumer report. In accordance with 15 USC 1681 ( c-2 ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), Equifax should have blocked all information resulting from identity theft within 4 days.

15 USC 1681 ( b ) ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
Based on the above laws and circumstantial situation, I demand the deletion of the following account : 1. XXXX XXXX ( XXXX ), Account # : XXXX 2. XXXX, Account # : XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
As there are a multitude of inaccurate variations, I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX ( delete all other names ) 2. My Address : XXXX XXXX XXXX # XXXX XXXX, VA XXXX ( delete all other addresses ) Please delete all other addresses, as I can not receive mail or any correspondence, nor do I have access to any of these addresses. Please delete these fraudulent addresses and update the address with the correct one above. 
My only Phone number is ( XXXX ) XXXX XXXX. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I placed an online order with Neiman Marcus ( NM ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called Neiman Marcus in regards to returning the shoes in return NM provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that NM cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts NM claim I owe. NM company  provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called NM and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item NM is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that Neiman Marcus negative item be removed to correct the information ; XXXX   Balance.
Product: Debt collection

Sent a debt validation and verification letter to Commonwealth Financial systems on XX/XX/2021 by certified letter. The company did respond to all of the information I asked for. Proof the debt belongs to me. My signature on any contracts, proof you are licensed to collect debts in my state. The item is still on my credit report with all three credit bureaus
Product: Credit reporting or other personal consumer reports

Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants XXXX XXXX account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the XXXX patients are not to be billed for any remainder of a bill. This bill was never sent to XXXX nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, XXXX patients are not to be billed for a remainder of any bill. This bill has already been sent to XXXX by XXXX XXXX XXXX and was refused by XXXX due to failed to follow billing procedures. 
This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my credit score. 15 USC CODE 1681-2.

Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to XXXX, the reason with date XXXX refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA 611 and FCRA 605. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA 623. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX DOB XX/XX/year>
Product: Credit reporting or other personal consumer reports

Formal legal Notice of intent to sue for violation of FCRA s 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> To Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Re ; Intent to Sue for Non - Compliance with FCRA s 605B ( 15 U.S.C s 1681c-2 ) Dear Equifax I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act ( FCRA ) s 605B, which mandates that you block information resulting from identity theft from my credit. report within four business days upon receipt of the relevant documents fraudulent Accounts in question XXXX XXXX XXXX XXXX Account Number XXXX Total fraudulent amount {$11000.00} XXXX XXXX XXXX Account number XXXX Total fraudulent amount {$24000.00} Date fraud began XX/XX/year> XXXX XXXX XXXX Account XXXX total fraudulent amount {$470.00} XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX Date inquiry XX/XX/year> XXXX XXXX XXXX Date inquiry XX/XX/year> XXXX XXXX  Date inquiry XXXXThese accounts along with unauthorized hard inquiries and fraudulent collections have been flagged as identity theft. Enclosed is a Federal Trade Commission identify theft Criminal Complaint XXXX Substantiating the fraudulent nature of these accounts.Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demand immediate action to block all disputes accounts, collection, and inquiries within the next four business days, in strict adherence to the FCRA. Furthermore, I seeks detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report resulting i harmful ramifications to my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT IN A PAST AND THESE UNKNOWN SUSPECT ( S ) USED MY PERSONAL INFORMATION AND FRAUDULENT ADDRESS TO OPEN SEVERAL CREDIT ACCOUNTS UNDER MY NAME WITHOUT MY KNOWLEDGE. I DID NOT RECEIVED ANY BILLS OR LETTERS UNDER MY CURRENT ADDRESS WHERE I HAVE BEEN SINCE XX/XX/XXXX. IN XX/XX/XXXX I WAS TRYING TO LEASE A VEHICLE AND A DEALER INFORMED ME THAT THERE ARE THREE NEGATIVE ACCOUNTS IN MY REPORT. I HAVE CONTACTED CREDIT BUREAUS AND PLACED A FRAUD ALERT. ALSO CONTACTED A POLICE STATION ( REPORT # XXXX ) AND FEDERAL TRADE COMMISSION. ALL THE PAPERWORK WITH MY IDENTIFICATION I HAVE FORWARDED TO CREDIT BUREAUS. I GOT A LETTER FROM XXXX AND XXXX XXXX CREDIT BUREAUS THAT THEY HAVE INVESTIGATED THIS MATTER AND DELETED THESE FRAUDULENT ACCOUNTS FROM MY REPORT. EQUIFAX INFORMED ME THAT IT COULD TAKE UP TO THREE MONTHS THEY TO REMOVE THIS INFORMATION. LAST MONTH I WAS TRYING TO GET A STUDENT LOAN AND I HAVE NOTICED THAT EQUIFAX DID NOT REMOVE THOSE 3 NEGATIVE ACCOUNTS FROM MY REPORT SO I HAVE BEEN DENIED TO GET MY STUDENT LOAN. I HAVE CONTACTED EQUIFAX BUREAU AND THEY VERY RUDELY INFORMED ME THAT WILL NOT INVESTIGATE THIS MATTER SO THIS INFORMATION NEEDS TO STAY IN MY REPORT FOR ANOTHER TWO YEARS. 
I HAVE ALL THE PROOF FROM THE INVESTIGATOR THAT I HAVE NO CONNECTION WITH THESE ACCOUNTS. NOW I HAVE CHOICE BUT TAKE THEM TO COURT FOR THEIR NEGLIGENCE BUSINESS.
Product: Checking or savings account

I received a check in the mail, and went to my 5/3 bank to deposit it. When the clerk came back, saying that the check could not be verified, she gave me the check back and said to check with the company that sent it. I called the number on the letter that accompanied the check, and was instructed to mail everything back, and that they would look into it. After I did so, I never heard anything else back from the company, and when I went back to my bank, I was instructed that they had closed my accounts and seize my remaining assets because the check I attempted to deposit was suspicious. I was then told that my balance would be mailed to me, and that there was no one I could talk to in regards to this incident. I was also told that had the check not been returned to me, that the outcome and actions taken by the institution would have been significantly different.