23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have XXXX legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notification from all 3 consumer reports l, I have found after great measure, Equifax continues to report inaccuracies. VIOLATING my FCRA rights under U.S.C 1681 g. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days.Furthermore I have requested online investigations via Equifax dispute center and have received no response of accurate information in the past 60 days. Equifax has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX  XXXX account # -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX -incorrect credit limit, does not match all XXXX XXXX XXXX account XXXX -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXX XXXX XXXX account -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXXXXXX XXXX  XXXX balance does not match all XXXX XXXX XXXX  Bankruptcy that can not be validated a copy from XXXX XXXX states the bankruptcy can not be validated and a copy from Maryland bankruptcy court stated the court does not report to consumer reporting agencies. These accounts are not reporting accurately. I did not give equifax to exclusively report this information. Therefore these accounts are violating my FCRA rights under U.S.C. 15 1681g I am demanding they be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts listed below, have 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. TFC CREDIT CORP XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquiries on my credit report XXXX removed them cant get any help from XXXX and XXXX
Product: Credit card

Subject : Urgent Demand for Resolution : Unlawful Interest Charges on Closed Ulta Account I am writing to formally file a complaint against Ulta Beauty for egregious violations of consumer protection laws stemming from predatory credit card practices. My closed account has been erroneously charged interest and subjected to unacceptable customer service, necessitating your immediate intervention. 

On XX/XX/year>, I explicitly requested and confirmed the closure of my Ulta account after ensuring full payment of the balance. This closure request was reiterated to avoid any future charges. Shockingly, months later, I received a statement reflecting a {$180.00} balance. While contacting customer service, I encountered a complete lack of accountability and transparency. 

Initially, representative XXXX acknowledged the account closure but offered no explanation for the residual {$5.00} interest charge or how the closed account, paid in full, continued to accrue interest for a total of {$180.00}. Moreover, the supervisor demonstrably failed to uphold basic customer service standards. Instead of addressing my concerns or investigating the error, he resorted to victim blaming, suggesting I failed to monitor my statements, and disregarding the pivotal fact of the account closure and very sarcastic hang up the phone after asking him for his first name. Very surprised to see this behavior, from a supervisor employed by a public company as it is Ulta Beauty Company with numerous stakeholders and investors that would expect that every employee is an ambassador to the brand. 

These actions constitute clear violations of consumer protection laws prohibiting unfair and deceptive practices. Charging interest on a closed account and shifting responsibility to the customer are illegal and unacceptable. 

Therefore, I ask you to undertake an immediate investigation and hold Ulta accountable for its predatory and deceitful practices. I just happened to check online for complaints on UlTA Store Credit Cards and there are numerous complaints, even their own empoyees feel bad for pushing this credit cards for the same issue I am complaining. Something must be done to protect customers from this greedy company who pushes its unethical business practices.
Product: Student loan

Chronically misinformed (17 years!!!) by both XXXX XXXX and Navient, that income driven and accruing forgiveness options were available.Every single year I called in to try to implement and they actively denied these were possibilities.I always was responsible and did exactly what I was instructed was the best and only options available to me.I would the retro-foregiveness time that was denied me to be applied. That's nearly 20 years! I actively asked and had no recourse.I would like to be included in the litigation that is going on now.I was also not allowed to take my loan to another institution (ongoing - even within the past few months) they claimed. The loan has nearly 8% interest from 20 years ago, even though interests rates have gone down substantially over those years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

A little background Information. Wells Fargo had a major outage in XXXX XXXX XXXX. I have been unable to access my online account since that time -- despite Wells Fargo 's claims to the contrary. 

Because I didn't have online access, I didn't have bill pay or statement access -- despite Wells Fargo 's claims to the contrary. 

After trying unsuccessfully to re-establish online access with Wells Fargo, I switched to another bank in XXXX XXXX XXXX 

In XXXX XXXX XXXX, Wells Fargo reported me to the credit bureaus for non-payment on my credit card. That was surprising to me, because I hadn't used the card in over a year. They also never tried to contact me directly -- despite Wells Fargo 's claims to the contrary. 

I immediately disputed the charges with Wells Fargo. In XX/XX/XXXX, Wells Fargo informed me in writing that " fraudulent charges will not post to the account ''. Unfortunately, they never removed the charges. And, they've never explained why they broke this promise. 

I went back and forth many times. Finally getting a full copy of my statements by XX/XX/XXXX. I sent another dispute, detailing the fraudulent charges. Hoping to get some acknowledgement from Wells Fargo. 

I am writing today, specifically because I have never received a formal response to my XXXX XXXX  letter. This is despite many communications with Wells Fargo during that time. It feels like they're just ignoring me now. 

This is a complicated issue. And I'm trying to simplify things here. Just tell me why you never responded to my XX/XX/XXXX letter. Why didn't you refund the fraudulent charges, like you said you would? 

As mentioned, I've been back/forth with Wells Fargo many times. A XXXX XXXX XXXXXXXX dollars and a single customer 's credit report may not mean much to a large bank. But, I'm not going to give up, until they make things right.
Product: Debt collection

My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$280.00} Americollect collections - XX/XX/XXXX - {$150.00} Americollect collections - XX/XX/XXXX - {$220.00} Americollect collections - XX/XX/XXXX - {$220.00}
Product: Credit card

I was on a short term leave of absence from my job. I feel behind on my payments but I had a product that was suppose to cover missed payment when you had medical issues or lost a job. When I attempted to use the benefit I was told that I did not have it but after reviewing my statements, I saw that I was being billed for it. In addition to the XXXX APR Aspire has been charging me between XXXX and XXXX dollars in late charges per month and reporting my delinquency to the credit reporting agencies.
Product: Debt collection

This debt from Southwest Credit Systems on behalf of XXXX is past the statute of limitations for Michigan as it is over 6 years old. This is the third debt collector to have held this debt, and now it's stated that the account was started this past XXXX, dropping my score XXXX points. Please note that this occurred at a time when I had achieved a 600 or above credit score for the first time in my XXXX XXXX XXXX life. I have a {$6000.00} land contract to pay off, and I make $ XXXX. I can't even get a personal loan for that because of these companies practicing deceitful tactics like this, and my house is worth almost XXXX.
Product: Debt collection

Near the beginning of 2016, I reached out to Nationstar Mortgage, who was servicing our mortgage at the time, to obtain a loan modification. I was offered a loan modification, which required that I first make three trial plan payments in the amount of {$1000.00}, beginning in XX/XX/2016. 
On XX/XX/2016, Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
On XX/XX/2016, Nationstar Mtg received the second trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
In XX/XX/2016, we sent the third ( final ) trial payment to Nationstar Mtg in the amount of Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}, although the statements maintained by Nationstar Mtg do not reflect this payment. They instead asserted that we made a " partial payment '' and the monthly statement reflects a " partial payment ( unapplied ) '', although the statement does not show that this payment was received in the transaction history. If you look at the previous statement dated XX/XX/2016, in the section labeled " Past Payment Breakdown '' you will see two partial payments, one which includes an amount of {$1000.00}, and a Year To Date total of {$1000.00}. On that statement, you will also see a payment in the Transaction Activity in the amount of {$2300.00}. This statement includes multiple errors. Our bank records do not coincide with Nationstar 's purported accounting. Our bank records reflect the first two trial payments in the amount of {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016, and {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016. There are no other withdrawls from our account for the XXXX ( third trial ) payment, not for the amount we actually paid in XXXX ( {$1100.00} ) nor for the partial payment amount ( {$1000.00} ) that Nationstar purports that we paid. 

On XX/XX/2016, Nationstar Mtg. sent us a refund in the amount of {$1000.00}. They rescinded their offer to modify the mortgage, and told us that they would not accept any further payments from us unless the entire balance was paid in full. Seven days later, on XX/XX/2016, Nationstar Mtg filed a foreclosure suit against us. 

These servicing errors have forced us into foreclosure. It would be unjust for Nationstar Mtg to sell our homestead property at foreclosure auction, and request that this issue be further investigated by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act JPMCB Card Services has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. In 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This creditor falsely reported late payments after taking payment in XXXX, XXXX, and XXXX of 2021.
Product: Credit card or prepaid card

Hi, I have had a credit card with Bank of America for 5 - 6 years. In XXXX of XXXX they gave me a promo of no interest on balance transfers for 12 months. I moved some balances from other cards and enrolled in auto pay to pay the minimum payment of {$65.00}. In XXXX of this year I received an email stating I was past due. I could not understand how this was possible since I was on auto pay. I called and spoke with a representative who explained that my promo ended which increased my minimum payment to {$91.00} and therefore my minimum payment amount was not covering the minimum amount due each month. I explained that I had set it up to pay the minimum payment so that should have automatically changed. He informed me that it was set to pay {$65.00}. I told him the online auto pay option required you to enter an amount. He said that he understands it is very confusing online, but there was another option to select minimum amount due. I argued that there wasn't clear instructions online explaining that by selecting a flat amount it may not cover the minimum amount due and should instruct you to choose another option if you are wanting to set it up to pay the minimum amount due each month. At that time ( XX/XX/XXXX ) I paid the minimum amount due over the phone of {$200.00}. They reversed all my late fees and additional interest due to the error, but informed me I was reported 30 days delinquent in XXXX of this year. I explained that should be reversed since it was due to them not changing my minimum amount due. I asked for guidance on how to enroll correctly to set up the minimum payment. The representative told me I would have to speak to someone in another group. I called that department and after 15 minutes the representative could not figure it out and said they get lots of complaints from customers on how to set that up. After another 10 minutes I finally figured it out on my own. In XXXX I received another email stating I was past due. I called back and again asked how this was possible since I fixed this the previous month. The representative explained it can take two billing cycles to start. I told him that was never shared with me, so they apologized and removed the late fees again. All of this could have been prevented if their website wasn't so confusing on how to enroll in automatic payments to pay the minimum amount due. Please remove the 30 day delinquency from BOA since it was due to their errors on their website and lack of communication on how to instruct their customers on how to set up auto pay correctly.
Product: Debt collection

im behind on my discover card because they are trying to charge me XXXX after I paid everything off and im not paying them again. so its past do everyday at XXXX they call ive blocked one number that called me 4 times a day and they started calling me from another numbe and its every day so far I have it blocked too. automated voice mails. ive already tried fixing this with them and they refuse so I dont answer and im not paying there corruption on trying to get me to pay another payment after I paid everything off
Product: Checking or savings account

I preordered a book from an online seller on XX/XX/XXXX. The book release was delayed due to the COVID lockdown. The book started to ship on XX/XX/XXXX. I never received the book. I have contacted the merchant several times to check the status and was told that the book would ship soon. Then the merchant stopped responding to my messages. I contacted Chase to request the book or a refund but my claim was denied.
Product: Debt collection

I was a XXXX Employee a couple years ago at XXXX in the XXXX XXXX Illinois XXXX and had a minor on the job injury. I reported it and they sent me to the hospital, XXXX XXXX Hospital in XXXX IL, on company time to get an XXXX. The XXXX came back clean and the diagnosis was a XXXX in the XXXX. I got sent the bill from the hospital and gave it to my HR Representative at my XXXX location. I was assured that the bill was going to be taken care of at that time. A few months later I got another statement from the hospital stating that the bill was not being paid on. Again I gave the statement to my HR representative and was assured it was going to be taken care of in a timely fashion. I had left the company a few months later and continued to receive statements from the hospital. I was put in contact with the corporate HR who put me in touch with their XXXX XXXX XXXX and they told me it would be taken care of as well. A considerable amount of time has past and I am now getting letters from the state of Illinois Collection Agency about the bills not being paid on. I have repeatedly attempted to reach the corporate offices of XXXX company and there has not been any response. I have also tried to reach the people from the XXXX XXXX XXXX that worked with XXXX and found that the first person no longer worked there and the next person and agency is also not returning or answering calls. This is now starting to pin me in an unfortunate place and the company responsible, the company who had told me time and time again it was being handled, and their partners are being highly unprofessional in their communication and ways of handling the situation.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along