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

I opened a Chase Credit Card account last year. I don't need this credit card, but I opened to boost my credit. I closed out most of my credit cards due to fraud. My bank account was hacked last spring so I closed out most of my accounts. My credit took a hit. I am retired from the XXXX and have a good retirement and social security. I opened this account and received a paper statement finally. I don't use online anymore as I have been hacked and somebody is still watching my online key strokes and know when I changed my password which is frequently. I want to stay offline as much as I can. But too many businesses want to go paperless. That doesn't work for me. But hard for companies to send paper statements. As of right now I have kept one credit card. And have canceled the rest. So what Chase had done finally has sent a paper statement and charged a late fee of XXXX dollars. I called and canceled the card immediately. I tired of these companies taking advantage of veterans. They are not reasonable. I tired of their charges. I don't need any credit card. They don't want to send paper statements. That's the way XXXX due my bills. I tired of these businesses wanting to go paperless. The least they could do is send a email. Then I would know they got the payment. I gone back to writing checks and I won't do automatic payments. These companies are making a killing with their unjust Charges. They profiting off the consumer. I have a good payment record. I do need company like this nor do I need they service. I paid their fees and closed the account. I don't some company dictating there terms which is pages of garbage that you need a lawyer to figure what it says. So much for simple. I paid in cash when I joined the XXXX and never had credit card in my first 5 years in service. This is not the way I want to be treated. I have always done the right thing even if nobody 's looking. So if can look into this I would appreciate it. 
Chase. Don't need them nor do I want their service..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I hired a company called XXXX XXXX to monitor my credit and protect me from Identity theft. On XXXX, I was informed by XXXX XXXX that Freedom Mortgage company has reported to the Credit Bureaus that one of my accounts is in major derogatory. I don't have an account with them in major derogatory, and all my mortgage payments are paid on time. I have been waiting for the final documents that follow the modifying agreement for the past 4 months, and I haven't received them from the freedom company. I have called the freedom company many times and still haven't received the documents that I have been promised by the freedom company that I will receive them. The incorrect report from Freedom to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely. Also, I have been told by the XXXX XXXX representative not to pay until I receive the final documents that follow the modification agreement; however, I kept paying. I made my last payment on XXXX.
Product: Debt collection

I contacted the debt collection agency that was given my debt for a pay day loan. XXXX the lady was not able to pull up my account due to having a new number, I gave her my number and full name and I gave her my address she asked for my last XXXX of my social I explained I do not feel comfortable due to being scammed and I gave her other information that can be used to find my account. She then repeated my name address I said yes and I then gave her my number associated with my old account, she repeated the last XXXX of my social I stated if that's in your system then ok but you just verified my information and I'm consenting to everything but my social. She refused to give me my account information I then requested to speak to a manager she then proceeds to hang up on me.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. I WANT THE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE THEY HURT MY ABILITY TO OBTAIN CREDIT.
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX around XXXX cst. I called to ask about having my account graduated to a no secured account the agent told me thats not his department but my account does not qualify. I asked why and got nothing. After 7 years of having this account with a {$300.00} dollar credit limit and paying a {$29.00} annual fee it wanted a full account. I already have one non secured card with capital One that is 5+ years old. This seems like an unfair practice where others are having their account reviewed within the first few years and I have called to asks and complain muntilple time and get no where. Im not stuck wiH this card because if I close it it will hurt my credit because its been open so long.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my consumer rights Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the XXXX data breach, leading to the creation of several fraudulent accounts in my name, including credit card, personal loan, education loan, and auto loan accounts. These accounts were created or used without my consent, resulting in unauthorized balances and activities. I discovered this issue when reviewing my credit reports. I then filed an Identity Theft Report with the Federal Trade Commission ( FTC ), notified the credit bureaus, and reached out to the companies involved. Despite my efforts, these accounts remain on my credit report. I am requesting their removal, as required under 15 U.S. Code 1681c-2, which mandates that credit bureaus block fraudulent information within four business days of receiving the necessary documentation. Supporting documents have been provided. Please see supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress.. 
for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, today I got my new credit report from credit monitoring My Fico, and I'm still see that Equifax and XXXX still reporting a late payment on XX/XX/2015. When is not a late payment reported in XXXX. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable. 
Also Credit Bureau should get information from the same Furnisher ( XXXX XXXX ) in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, XXXX  and Equifax reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
Product: Consumer Loan

I have an installment lending creditor who has failed to properly report information to my credit bureau. This has happen with the past XXXX loans I 've had ( XXXX of which have been paid off successfully ) I 've opened up disputes and they have failed to resolve. Even thought they advertise on their website they report to credit bureaus. Also, I have a feeling that I may have been not given the best rate when I applied for another loan as my credit history was not correct and their paid off loans were not reflecting. I 've been trying to work with Rise for more than XXXX days and they have failed to resolve my issues
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a tradeline on my credit report that is not being reported with the maximum possible accuracy. The information associated with this account is incomplete or incorrect, and it is in direct violation of credit reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX Balance Owed XXXX {$810.00} ; XXXX XXXX Owed : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

amex cancelled my platinum card and refuses to refund the annual fee
Product: Debt collection

Midland credit management has been harassing my XXXX XXXX XXXX who was not responsible for this debt incurred XXXX years ago, when we were not married. Midland credit management has called his cell phone maybe 8 times in a morning, using rapid robocalling. They never leave a message, and in any event, this debt has nothing to do with my husband, was charged off, and is past the limit to either initiate legal action against me or to report the debt to the credit bureaus. They did not initially tell me that, my husband noticed it when he read the notice at the bottom of the second page of the report. 

Twice I have asked MCM to stop calling him, the first was by my husband on a phone call with them, and that's when they ignored the request and started robodialing him every morning. They responded with a letter claiming that we asked for information that verifies the debt. We did not ask for clarification, in fact we asked them to contact us if, and only if, they were collecting on a debt that could be reported to the credit agencies or they could file suit to collect on. We again made that request in writing, and again their response indicated they were mailing us information about the debt, and, again, we did not ask for information about the debt, we asked them to stop contacting us. This is what prompted me to file this complaint. 

The simple fact is that this company buys uncollectable debt that can no longer be reported to the credit agencies and can no longer sue for collection of the debt, for XXXX  on the dollar, and then harasses the person originally responsible for the debt, in the hopes that ignorance of consumer rights would cause a person to pay the old debt when it is not necessary to pay it. In our case, they keep harassing the wrong person, my new husband, via robocalls, who has absolutely no responsibility for the debt, none at all, as it was not even a reportable debt when we married in XXXX. 

I had dealt previously with MCM credit management, again in XXXX, on another debt related to an old misdemeanor, which a court of law had removed and cancelled the fine. Yet, XXXX harassed me about that debt, when, in fact, there was no debt owed.
Product: Credit card or prepaid card

I was notified by Commenity bank that my account would be closed due to not being used. After seeing this information I went to find my XXXX XXXX  but could only find my card for when they were partnered with XXXX XXXX and not Commenity bank. I called and spoke with an employee and provided them my current billing address and requested a card to be sent to that address. They sent the new card to my previously listed address. Which required me to go into the store and make a purchase by obtaining my card info over the phone. I made the transaction solely for the purpose of keeping my account open. I then made a payment for the full amount due only to find out that they had closed my account which I find to be a deceptive practice. They weren't even the ones to notify me that my account was closed. I had a notification from XXXX XXXX that notified me. My experience with the bank has been terrible since the first interaction with them over the phone. When speaking to the customer service representative who took my payment they updated my address incorrectly which I identified and changed online XX/XX/.
Product: Credit reporting or other personal consumer reports

Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681g, 1681i, and 1681c-2 by obstructing my rights, failing to process identity theft disputes, and refusing to provide my full consumer file as required by law. 

XXXX Mishandling My FTC Identity Theft Report : I submitted my FTC Identity Theft Report & supporting documents on XX/XX/year> via Equifaxs online dispute system and via XXXX XXXX XXXX ( Tracking : [ XXXX XXXX XXXX XXXX XXXX XXXX ] ). 
Equifax falsely claimed it never received the report, then later admitted receipt but called my documents ineligible despite them being the same ones accepted by XXXX XXXX XXXX. 

XXXX Refusal to Provide My Full Consumer File Disclosure ( XXXX Violation ) : On XX/XX/year>, I visited Equifaxs office in person to request my Complete Consumer File Disclosure, which includes my full internal records, ACDVs, access logs, and dispute history. 
Equifax refused my request, falsely claiming I needed a subpoena, which is NOT required under federal law. 
This is a direct violation of 15 USC 1681g, which entitles me to my complete consumer file upon request. 

XXXX Fraudulent Accounts Still Remain Despite Proof : Equifax has removed some fraudulent accounts but continues to report others ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), despite receiving identical documentation for all. 
This is an arbitrary and reckless mishandling of my identity theft report, violating XXXX. 

XXXX Blocking Dispute Access & Hiding Dispute Results ( XXXX Violation ) : Since XX/XX/year>, Equifax stopped sending me downloadable dispute results. 
Online dispute access shows Unavailable, preventing me from seeing my case history or results. 
This is intentional obstruction of my rights under 15 USC 1681i. 

XXXX Retaliation & Intimidation at Equifax Office ( XX/XX/year> Visit ) : At the Equifax office, the employee rolled her eyes, got hostile, and refused to provide her last name after I cited my federal rights. 
When I asked for a written denial, she refused and instead threatened to call security. 
This proves Equifax is willfully obstructing compliance with federal law.
Product: Credit card or prepaid card

I used to be able to log in to my account on XXXX and see the current transactions, download statements, etc. But starting a few weeks ago, I can no longer log in. When I enter my login ID and password, it says " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I called their 1-888 number on XX/XX/2022. The lady on the phone told me she reset my account and that I should be able to use " Forgot password '' to reset my password, or create a new online account after 1 hour. I tried both methods after an hour, but they still gave me the same error message. I called their 1-888 number again on XX/XX/2022. The person told me he created a ticket ( Case ID : XXXX. Operator ID : XXXX ) and that I should be able to reset my password in 5 days. It has been 5 days, yet I still receive the same error message ( " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. " ).
Product: Debt collection

I completed a police report on XX/XX/XXXX. sent a certified letter to I.C. Systems on XX/XX/XXXX and XX/XX/XXXX for validation of the debt and got no response. active fraud alert is on file with all XXXX credit bureau 's