23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.
Product: Debt collection

Debt is medical, initiated by my children 's mother for my son. I did not initiate or agree to this debt with the creditor. I carry health insurance for my children, so my name is associated with this debt for that reason alone. However, I made no agreement to the creditor for this debt.
Product: Debt collection

For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on https : //ecorp.sos.ga.gov/BusinessSearch it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so. 

I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN REPORT NUMBER XXXX RE : XXXX XXXX Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX 

Accounts : Account numbers : Date Opened : XXXX XXXXXXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also see XXXX other names on my credit profile which is because of the XXXX 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX. 
I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Prepaid card

Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.
Product: Consumer Loan

Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : XXXX late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days XXXX XXXX occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently disputed an account with XXXX. It came back verified. They also updated some information. It is now showing as both an " open '' account as well as showing a " past due balance ''. Both of which, in my understanding, are violations of the Fair Credit Reporting Act. 

The account is question is with Credit Management. The amount is {$110.00}.
Product: Student loan

Navient never told me about program option until my loans accrued XXXX in interest. Now im paying a high payment to keep my credit from going down! I believe that its unfair and is not being communicated to the consumer!
Product: Credit reporting or other personal consumer reports

I am inquiring about the fact that I am a victim of the data breach that occurred in early XXXX from the Department of the Treasury, in which unclassified documents were breached. As a result, I have received unknown harmful insertions onto my XXXX, XXXX, and Experian consumer credit reports. The law mandating that credit reporting agencies ensure the security and confidentiality of personal information is the XXXX XXXX XXXX XXXX ( XXXX ) enacted in XXXX
Product: Checking or savings account

I deposited XXXX checks from my employer on XX/XX/23 XXXX for XXXX and the other for XXXX into my Chase checking account. I was told by Chase that my checks need to be verified before I can use them. A few days after I tried to deposit money into my Chase account but I was unable to. I called Chase to understand the problem, Chase informed me that my checks could not be verified and Chase believes my checks are fraudulent. They restricted my account and I was not allowed to use it at all. I called several times to see how to fix the situation, I was told that since their system could not verify my check, my account will be restricted and unable to use, until verified. I asked Chase how can I assist with verification, so we can rectify the situation promptly. Chase informed me that their company only has one way to verify a check and since that one way was unable to verify my check, my account account will continue to be restricted for use. Finally after waiting, the checks have cleared and the amount is posted to my account on XX/XX/23. However I tried to use my debit card that day and was unsuccessful. When I called to ask the reason, Chase said that even though the checks have cleared we can not verify the checks and your account will remain restricted for use. This whole situation is unjust and Chase has not handled the situation properly.
Product: Payday loan, title loan, or personal loan

Grain technology has been blocked from my XXXX debit account for initiating unauthorized transactions varying in dollar amounts multiple times a month. Grain technology is only authorized to take one payment a month. I have spoken to representatives in regards to this issue. I only authorized the company to take one payment a month and instead they initiated payments of varying amounts. I never gave them authorization to do that. The pictures show grain technology attempts to take multiple payments which have been denied by my bank due to the fraudulent nature of these unauthorized transactions. Ive also included part of an email I sent in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

I am disputing the reporting of a collection account from Midland Credit Management Inc. ( MCM ) that appears on my credit report. This debt was allegedly opened on XX/XX/XXXX, and last reported on XX/XX/XXXX, with a balance of {$2500.00}. However, the original creditor is not listed, and I have not received any verification proving that I owe this debt. 

Issues with the Reporting : The Original Creditor is Not Listed My credit report only shows Midland Credit Management Inc., a debt buyer, but does not specify the original creditor who allegedly owned this debt.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to know who originally held this debt before it was sold to Midland Credit Management Inc.

Without the original creditors name, this debt can not be verified and should be removed from my credit report. 
Debt Validation Not Provided I have not received any written notice or verification from Midland Credit Management Inc. proving that I owe this debt.

Under 15 U.S.C. 1692g of the FDCPA, I have the right to request validation of this debt, including a copy of the original agreement with the creditor, itemized statements, and proof of their right to collect.

Possible Expired Statute of Limitations The alleged account was opened on XX/XX/XXXX. Depending on the statute of limitations for debt collection in my state, this debt may no longer be legally collectible. If the debt is time-barred, Midland Credit Management Inc. can not legally sue or report it as active debt. 
Actions Taken : Disputed with Credit Bureaus I have submitted disputes to [ XXXX, XXXX, XXXX ] requesting verification of this debt. 
Requested Debt Validation from Midland Credit Management Inc. I have requested proof of this debt and the original creditor details. They have ( failed to provide proper validation, ignored the request, etc. ). 
Followed Up with Credit Bureaus Despite my dispute, my credit report still reflects this unverified debt.
Product: Debt collection

I left the country on XXXX of XXXX but before I cancelled an account I had in XXXX XXXX XXXX because I 'm going to back to the XXXX to finish my studeis. I knowing that everything was fine. I stayed there untill XXXX but I came back to the XXXX in XXXX of XXXX and XXXX of XXXX. The both times I came to visit I stayed at our house that my family owns since XXXX. None of those times I came back did I get a letter from XXXX XXXX XXXX of any delinquent account I have from them or did I get any messages. I moved back to the States in XXXX with my fianc and opened another cellphone account from XXXX XXXX XXXX. It was a couple of months later that I started getting phone calls from different number on my new cell phone. The person that I talked sounded like she was scamming me because she was from a debt collection company said that I owe them money and asked how I want to pay for it without a thorough explanation. I was skeptic because my mother has been getting calls from a guy pretending to be a cop and asking for money. I never paid attention to their call until I saw my credit score go down. I 'm planning on purchasing a car and I 'm afraid with a credit score that I have now I wo n't get a good deal. When I talked to XXXX if their representatives they allegedly said that they 've been contacting me since XXXX after XXXX XXXX XXXX transfered them my account which I highly doubt because I was in town in XXXX and my mother has been here the whole time so she would 've gottten their message or even from XXXX of XXXX XXXX XXXX 's representatives way before they transfered what I owe to EOS CCA debt collection company. What I owe is not thousands of dollars but it goes against my morals
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with PORTFOLIO RECOVERY ASSOC. I do not have a contract with XXXXXXXX XXXX they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. Portfolio Recovery Assoc has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Grow Credit account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within XXXX XXXX XXXX XXXX days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 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 # XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 15 USC 1681 section 602 a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c a 5 section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years 15 USC 1681 s/2 A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life