23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX 2015, my wallet was stolen. I contacted the police and filed a police report at the scene, and then proceeded to contact my credit card companies that the card was stolen. Fraudulent charges were attempted on XXXX credit cards, XXXX of them being a Macys store card. On XXXX XXXX I called Macy 's to report the card stolen and reported {$550.00} of fraudulent charges on the account made that day. Customer service said they would replace the card, but could not do anything about the charges until they posted 2-3 business days later. I called back after the charges had posted, at which point Macys said I should be receiving a disclosure form to fill out from their fraud investigation department to fill out and the dispute would be resolved in XXXX billing cycles. Shortly afterwards, I received a new card from Macys. I received the fraud report form on XXXX XXXX, filled it out, and mailed it back to Macys on XXXX XXXX. I received a written statement dated from Macys dated XXXX XXXX stating that my statement was received and the claim should be resolved within 60 days. On XXXX XXXX I received a call from the Macys fraud investigation department stating that they would need to issue me a new card before they could start their investigation. I consented and a new card was sent. On XXXX XXXX, the amount in dispute as well as interest/late fees/finance charges was sent to collections. I received phone calls from collections at the following times : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. In all but XXXX cases, a human being was not at the other end of the line. In the XXXX instances where a human being was at the end of the line, I explained that the amount was disputed and there was an ongoing investigation with the fraud department. In all XXXX cases, the collecter said they would put a note on the account, but this did not stop the phone calls. On XXXX I called Macys to resolve the issue and was transferred between collections and the fraud investigation department. The collections side said they could not stop the phone calls until the account was paid. The fraud investigation side said they had not started the investigation yet but they would try to expedite it given the length of time the case had remained opened. I asked what would happen at the conclusion of the investigation and they said they would remove the charges and all associated interest and fees as well as send a written letter to the credit bureaus to remove delinquent account remarks and a written letter to myself concluding the investigation. I asked why they were aggressively attempting to collect the disputed amount. I also asked why non-payment of a disputed amount would be sent to the credit bureaus as delinquent while there was a current, ongoing investigation within their department. I expressed concern that these practices did not comply with the Fair Credit Billing Act. They explained that they were unfamiliar with any federal regulations regarding this matter and were only familiar with Macys store policies.
Product: Credit reporting or other personal consumer reports

Inquiry - XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accurac

y '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report. 15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and info
rmation, that this inquiry is a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed by a man or woman under penalty of perjury.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding an account that is being reported by XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  Account and Southwest Credit Systems LP . I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be investigated and removed from my credit report with all three major credit bureaus. Background The account in question, which is listed as Charged-Off on my credit report, shows a balance of {$26000.00}, with a written-off amount of {$29000.00}. The last status update on this account was recorded in XX/XX/2023. However, I did not sign any contract or agreement with any related entity, including XXXX Account and Southwest Credit Systems LP, and I have not authorized any of these entities to report an account in my name. Furthermore, I requested the full account number from XXXX XXXX XXXX, but I have not received a response or any verification of the account. Legal Violations I believe my rights have been violated under the Fair Credit Reporting Act, as outlined below : 1. 15 U.S.C. 1681, Section 602 ( A ) - Right to Privacy : Under this section, I have the right to privacy regarding my personal financial information. I did not provide authorization for the reporting of this account, and my privacy rights have been violated by the reporting entities. 2. 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) - Written Authorization : This section explicitly states that a consumer reporting agency can not furnish a consumers account information without their written instructions. I did not provide written consent to any of the parties involved ( XXXX XXXX XXXX, XXXX Account, or Southwest Credit Systems LP ) for the furnishing of this account, nor did I sign any contract with these agencies or companies. Request for Resolution As I did not sign any contract with any of the collection agencies involved, and I did not authorize the reporting of this account, I am requesting the following actions : 1. Immediate removal of the reported account from my credit files with all three credit bureaus ( XXXX, XXXX, and XXXX ). 2. A full investigation into this matter by your office to ensure compliance with the Fair Credit Reporting Act and the removal of any inaccurate or unauthorized reporting. 3. A written response confirming the resolution of this issue. I respectfully request that this account be removed from all XXXX major credit reporting agencies, as this account has violated my rights! Please let me know if any additional information or documentation is required to assist with the investigation. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

Navient has been in trouble for obscuring verifiable student loan repayment information before. They also have a ongoing practice of " losing '' or " misidentifying '' submitted materials. I submitted information for an Income Based Repayment schedule. They conveniently " lost it. '' I called to direct them to the material in their hands/system. They confirmed ONLY WHEN I CALLED that it was their mistake and I had submitted the paperwork. They then " kindly '' put me on a two month forbearance while they " fixed '' the problem and processed the paperwork they already had in their hands. I will be accruing interest on my loan during that period. This is regular practice for Navient. I have never submitted materials they did not somehow " lose '' or " misplace '' or " misidentify. '' They consistently offer a forbearance and giving their clients no option but to accept it as they process work they could have already completed. 

Someone needs to audit Navient and affirm that they have not made it a policy to delay processing of loan repayment paperwork. In my experience this has happened multiple times. It can not be a coincidence. If it is a coincidence then the Federal Government needs to rethink their connection with Navient until the company can either improve upon their blatant incompetence or comply with federal student loan policy. It appears that no one is policing them, even after their issues last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

E XPERIan Credit reporting agency have incorrect information on my credit file from XXXX  that does not belong to me there are several account from XXXX that has me Being late never had accounts for
Product: Credit reporting

Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed that these unauthorized inquiries had been made : XXXX XXXX : XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX XXXX XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$460.00} from XXXX XXXX on my Chase credit card. I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and returned it on XX/XX/2023, XXXXXXXX XXXX. When I returned the vehicle, I inspected it thoroughly and did not see any damage. The Inspection employee was not present, so video and pictures were taken of the car as proof of return with no damages. However, XXXX XXXX is now claiming that I am responsible for damages that occurred to the vehicle while it was in my possession and is refusing to solve the issue. I then contacted JP Morgan Chase who my credit card is under and they are giving me additional problems. 

I am disputing these charges because I am not liable for damages that occurred to the vehicle before or after I had possession ( when returned with no damages ) of it. I have provided supporting documents to Chase, including : Multiple pictures of the returned car 's condition with no damages. 
A copy of my call logs showing XXXX not answering my calls of existing damages not reported in their previous inspection report before giving me the car. 
A copy of photos showing XXXX had moved the car before doing the inspection as the pictures they provided are not the same as the spot I had returned the car. 
I believe that I have provided sufficient evidence to dispute these charges. I am requesting that Chase reverse the charges and issue me a refund. 

Chase has multiple times has denied my dispute and say the charges is valid even though I have provided thorough documentations to prove I am not responsible for the charges. They have then ignored my documentations for a redispute by not reviewing my case till 3 weeks later and then coming to a conclusion 2 weeks later, so I have been waiting for another month just for them to do a additional review. They keep on saying I am arguing about a billing error, but provided a additional letter stating I am not disputing over a billing error, but a damage error. So the person who keeps reviewing my information by the name of XXXX is not reading through my documentations or has a personal vendetta with me and is refusing to change the outcome. 

Both companies are refusing to solve the issue when video and photo evidences was documented and provided. Both companies also suggested to document everything which I did and now they're refusing it. 

If you have any questions, please do not hesitate to contact me. 
Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said I had made purchases. Was not my address not my email or phone number. To get it removed the said if I paid it they would remove derogatory remarks from my report. I filed disputes with all credit reporting agencies. They said its accurate. I called XXXX XXXX again. I said you said if o paid this you would remove from my credit report as a paid after charge off. They said no you shouldnt have paid it but since you did we are leaving it as it is
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days late with the XXXX/XXXX partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax account under 10. Collections, it currently states " You do not have any collections in your file. However, when i go to 5. Other accounts, it lists under 5.1 ) XXXX XXXX XXXX XXXX with account status collection, XXXX XXXX XXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX account status collection, XXXX XXXX XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. 

All XXXX of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency.

According to my credit report, I do not have any collections as stated under section 10. Collections.

I also noticed under 2. Revolving Accounts, 2.XXXX ) XXXX XXXX XXXX  account status is charge_off with a reported balance of {$520.00}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX account status Charge_off, the date of elinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account status Charge-Off , the date of delinquency is inaccurate, the same applies to 2.21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are also listed inaccurately under revolving accounts. 

The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per federal law. 

I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Product: Debt collection

I have received written correspondences from Resurgent Capital Services and XXXX XXXX XXXX XXXX on behalf of LVNV Funding, LLC. When I have asked for the verified of the debt, for validation of the debt as well as the contractual agreement that I have with LVNV Funding LLC as I have never had any contractual agreements with LVNV Funding, LLC. I have received copies of my credit card statements. But I have not received validation of the debt, verification of the debt, I have not received documentation indicating that I owe LVNV Funding LLC.
Product: Credit card

XXXX XXXX They closed the account and reported that I paid late. If you see the screen shot I have paid them the majority of the time the account was open on time.
Product: Checking or savings account

This will be the 3rd report I have filed with you guys because after much investigation and correspondence with Wells Fargo this should be a continuation complaint about this institution.. I have sent them a most resent article from CFPB as well as referring to a major case of XXXX XXXX XXXX. I myself see a reflection in a mirror of me when I read through the claims in this very heated and horrible case!! I was a XXXX  Mom at the time they really Spun me out of control. Having to go to local XXXX XXXX XXXX XXXXXXXX places just so Me and my XXXX could survive paycheck to paycheck!!!! XXXX did not care!! Of course I have NO access to those bank statements. This has been dragging on, and on and on. The more i think about things the 33 years ive been with them the more i realize they have done me wrong. At XXXX they received my 1st paycheck when they were XXXX XXXX, then they changed to XXXX, now they are Wells Fargo. I sure wish you guys could do more than just scold them!!! I have said hey, let 's average out the XXXX  years instead of Civil Court, but they would rather make this 100 % XXXX  XXXX XXXX XXXX struggle with finding an attorney and go thru all that. So what say you?!!!!!
Product: Debt collection

This is in regards to the complaint # XXXX submitted on XX/XX/2019. So far I havent heard from anyone regarding the complaint however I have been receiving calls to pay the the total amount of $ XXXX/- And the calls are more like threatening and harassing because they keep on saying that theyll seize my account and block the social security. Is that the right way of communication? This is ridiculous. I submitted a complaint because I need your help in resolving this issue. But it seems that u havent been of any help in removing the unnecessary charges that were imposed on me without any notification. Id like to remind u that Id really be grateful if u could resolve this issue at the earliest. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and XXXX, account # XXXX, amount {$2600.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Debt collection

I have spoken with JH PORTFOLIO EQUI ( Collection company ) on many occasions. On XXXX/XXXX/16 I spoke with XXXX and told her that I wanted a copy of signed agreement between me and XXXX XXXX XXXX. She stated " she does n't know if she will be able to get that but she would try ''. I also mailed an dispute letter, and her department received this letter on XXXX/XXXX/2016 and I have included that dispute letter within this complaint. I have also included a copy of receipt. It clearly states what I 'm requesting. I called XXXX/XXXX/2016 to check the status and I was transferred to XXXX again, who now was extremely rude because I wanted to see if she has gotten a chance to look at my dispute letter and if she was able to get signed application from original creditor and me so I can review. she stated that she has n't heard anything from XXXX XXXX XXXX and does n't have that document nor copy of my license. I asked for her extention # or employee # and she refused to give it or her managers information. On XXXX/XXXX/2016 I received a basic validation letter but nothing that I requested. I was clear, I stated that I want this information removed from all credit reporting agencies. How can they validate this debt without having at minimum, a signed agreement between me and XXXX XXXX XXXX. Also, according to statement sent by JH PORTFOLIO from XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX but according to JH PORTFOLIO its XXXX XXXX XXXX XXXX. I have included supporting documentation.
Product: Credit card or prepaid card

I am late on rent and all my bills because I cant access my money on my bluebird card. They informed me I reached a limit and was no longer to withdraw any of my money and had to wait till the beginning of next month to access my funds. This is the card I use for direct deposit. I have all of my checks deposited onto this card. I am now facing eviction because I can not access the money I work 12 hour days for 5 days a week.