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

Unauthorized items on credit report XXXXXXXX XXXX in the amount of {$1600.00} XXXX XXXX  in the amount of {$1600.00} Credit Line in the amount of {$700.00}
Product: Debt collection

The original creditor XXXX, falsely tried assigning move out charges to us for janitorial, painting, and carpet. All of which, under California Civil code are wear and tear, and are the responsibility of the landlord, XXXX ( owned by XXXX ). At the time, we disputed these charges with the original creditor, on the fact that we did not leave the apartment damaged more than normal wear and tear. We had our attorney send a letter pointing out these facts and the California Civil Law code to XXXX. After that time, we never heard back from XXXX. 

In XXXX  the balance was placed for collection with GENESIS CREDIT MANAGEMENT LLC ( Also known as COLUMBIA DEBT RECOVERY ). We have disputed the account with this collection agency. They sent over our signed lease with XXXX, and a ledger of the move out charges that XXXX is falsely charging us. I have disputed this again, with the collection agency via email that these charges are FALSE. We can not be responsible for normal wear and tear repairs that are the responsibility of XXXX. I have not gotten a response from the collection agency. XXXX ( owned by XXXX ) is part of multiple investigations and lawsuits for the same thing, illegal charges. When doing the math without these charges, this company would owe us money back instead. They took our full deposit, and still tried to charge us illegal move out charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. I have sent several letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX disputing errors on my reports. 
II. Experian was called on XXXX/XXXX/XXXX after the letters went unanswered. I spoke with one person who quickly sent me to XXXX. I began explaining that I recently learned that my identity had been stolen by my ex-sister-in-law. 
a. I asked about the name variations on the credit report and I was told that they were being reported by the creditors that way and she could not remove them. 
b. I went on to explain that I no longer used names and some of them were wrong. XXXX proceeded to tell me that she would not remove the names on the report. This is in violation to the FCRA of reporting correct information. 
c. I asked about the addresses. She reported that the addresses are being reported by the creditors and she would not remove them. 
d. I immediately told her she was in violation of the Fair Credit Reporting Act and she stated she didnt care. This was the way they were being reported and that is what would stay on my report. 
e. I didnt even get to the inquiries which about 19 of them had not been done by me.

f. I asked for the address to where I could serve them court paperwork and she refused to give me the address. She finally reported XXXX XXXX XXXX XXXX, Texas XXXX. 

I have also tried numerous times to get rid of inquiries and some incorrect information on my reports. They have refused to send actual verification according to the FCRA. They just keep telling me it is verified. I am tired of trying to get rid of incorrect information and when you call, they refuse to do it. 

I recently found out my Ex-Sister-in-law has stolen my identity as far back as XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX : office number : XXXX : XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX XXXX XXXX XXXX XXXX  ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) lower amount to {$720.00} for settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount. 

XXXX - {$2100.00} ( Reports To Equifax, XXXX - Original Collection Amounts Reports Inaccurately & Inconsistent ) XXXX XXXX - {$3500.00} ( Original Collection Amounts Reports To Equifax, XXXX, XXXX XXXX Inaccurately & Inconsistent ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX ( deleted ), Ohio Department of Human Services ( late payment deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please delete all ( accounts listed on report - XX/XX/XXXX ) Collections ; XXXX XXXX XXXX, XXXX XXXX XXXX, remove XXXX XXXX XXXX XXXX XXXX late payments due to inaccuracies and inconsistency in accounts reporting between Equifax, XXXX, XXXX, settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount.
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 Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

{$900.00} {$150.00} {$2400.00} {$900.00} reached out to find out what the debit is and disputed the information. 

{$5400.00} 2020 Reached out to debt collector wanted to argue with me that this debt is mine advised of misspelling of my name. And that I never resided at this address. 

{$340.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX notified me via letter that they notified TransUnion to remove a hard inquiry I still have disclosed as of XXXX XXXX. TransUnion has not complied with my rights as a consumer after being notified to remove hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There are XXXX hard inquiries on my XXXX credit report from Chase Bank. I have not and would not apply for a credit card from this company or any other company, expressly knowing that my credit score is very poor and therefore I would not get approved for a credit card. I feel that this is due to Identity Theft of some sort. There is also an address on XXXX XXXX that I have never lived on. 

Thank you
Product: Credit card or prepaid card

On XX/XX/2022 I bought a plane ticket on XXXX and charged it to my Chase Credit Card ending XXXX. I cancelled the ticket the same day and XXXX issues a refund back to the card. The refund has never shown up, the amount was posted to my card and was never reversed or a refund issued. I have contacted both XXXX and Chase many times but they refuse to help and each claims its the other 's fault. I filed a DOT complaint and XXXX has responded with the following but Chase still refuses to help. I dont know how to resolve between these two companies. Attached is the response from XXXX in response to my DOT complaint. 


XXXX : XXXX - ( XXXX XXXX ) XXXX XXXX PersonalXXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 hour ago ) to me -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Support XXXX Date : Mon, XX/XX/2022 at XXXX XXXX  Subject : XXXX - ( XXXX XXXX ) XXXX XXXX To XXXX XXXX XXXX XXXX Hi XXXX, Thanks for bearing with us while your note to the Department of Transportation was being reviewed. They have asked us to respond to you directly, and I have taken a thorough look at your concerns as they are very important to us at XXXX. 

XXXX, per our cancellation policy, a refund will only be allowed if the reservation is canceled within 24 hours of initial booking, provided the reservation was made seven ( 7 ) days or more prior to the flights scheduled departure. In your case, I found that you purchased booking XXXX on XX/XX/XXXX and cancelled it online the same day in which the funds of {$590.00} were returned to the XXXX ending in XXXX. At this time, no other refund is due. 

Please note that in cases where a refund is processed the same day as the purchase, the initial credit card authorization will not be processed but show as pending and will not post to the account. As such, the funds will be available in the account in a few days depending on the financial institution. Should this authorization become permanent and actually post to the account, Guests are asked to file a dispute through their financial institution. With that stated, I encourage you to reach out to the bank belonging t the XXXX account for further assistance if you found that the payment was posted to your account. 

If you have any other questions or concerns, please feel free to reach back out to me Im here to help. Otherwise, we hope to welcome you onboard again soon. 


Kind Regards, XXXX DOT XXXXXXXX
Product: Debt collection

Hello, the bank is bank of America ( Boa ). 
In 2016, there was more than 50 transaction appear on my credit card result of identity theft, and I contact boa immediately, boa told me that everything was settle down and I am not responsible for this fraud transaction in the total amount of XXXX ( I believed is this amount because I dont have the access to my account since 2016 ), but recently boa told me that the Fraud department has denied this fraud so I have to pay the amount in full. But this account was result of identity theft and all the transaction was from the same company same time similar amount and Boa did not send me any alert or to confimred its made by me. How can this be normal transaction? All transaction was around $ 100-120. End up with the amount {$13000.00}, there should be 100 transcation and boa denied this fraud transcation and saying it s Noramal transcation after 2 years from now. Please really help me with this issue, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i obtained my Equifax credit report. When I received it I noticed that I had 17 negative accounts and 43 inquiries reporting to my credit report of which none of them I recognize. 

Most of the collection accounts are from a company called XXXX XXXX XXXX representing various creditors, none of whom I have never done business with. Another collection account is from XXXX XXXX of whom I have never done business with either.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting

These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I have sent certified letters to Equifax, XXXX and XXXX regarding my bankruptcy information which was obtained from the U.S. Bankruptcy Court that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The U.S. Bankruptcy Court that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am entitled to an annual credit report from each of three credit bureaus via XXXX but was repeatedly denied all three of them by the XXXX XXXX XXXX XXXX XXXX purportedly due to inexplicable technical and/or other undisclosed reasons. I use XXXX XXXX XXXX and XXXX XXXX.
Product: Vehicle loan or lease

I would like to file complaint against Auto Loan, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, autouseautoloan.com I know I am past due to difficulty with making payments from being unemployed from Covid 19. I am trying to get caught up with my payments using my tax refund. I tried to access my account online to review added charges and amounts due as of today. I couldn't get into my account. It was stating that I was giving the wrong information. I contact the support email to find out why my login information was not working. They contacted me back quickly and told me they shut me out of my account and to call the office. I replied asking for a copy of my ledger for review and they have not responded ( email attached ). All I want is to review my account so I can work out my financial situation. I went through my documents for their loan terms and I don't have a copy of that with my purchase documents. I don't know if they are allowed to not show me all the charges and what is due. I have nothing to confirm the correct amount and or charges for what they tell me over the phone. I don't feel comfortable not knowing what they are telling is truthful or not. I have no other documents to give or know my loan or account number because they only have everything in the account I am locked out of.
Product: Credit card

I am unfortunately, a customer of US Bank and I hold Mortgage, Credit Card, Checkings/Savings, Home Equity Line of Credit accounts with them. US Bank Flex Perks travel rewards account # XXXX charged me an annual membership fee in XXXX 2015 for {$49.00} and I never knew about it as no note was sent to me, which is very unusual and objectionable. After which, they just kept going by adding interest and late fees till XXXX XXXX 2015, when I logged in to my account and checked the transactions, it was already past 60 days late. They never bothered to send me a note in any form that they charged me a fee and that it was late by 60 days plus. They were very prompt in reporting the same to the credit bureaus and sabotaged my excellent credit score of XXXX by XXXX points and I am not sure what else would be coming my way. I dispute any reporting of the delinquencies on my account and hold US Bank totally responsible for the damage caused and any future damage. It has been proved yet another time that these Big Monster Mega Banks do n't care an iota about their loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with EXPERIAN XXXX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.
Product: Credit card or prepaid card

I was a victim of a scam between XX/XX/XXXX-XX/XX/XXXX. The scam was by impersonating a job ( XXXX XXXX which is based in XXXX not in the United States ) that seemed to good to be true. Sadly since there werent any red flags, they had my social security number which led access to my bank account. Around XXXX I started realizing things were getting fishy when things went south There are charges that I did not approve- XX/XX/XXXX {$210.00} XX/XX/XXXX- {$7600.00} XX/XX/XXXX- {$1600.00} XX/XX/XXXX- {$5000.00} The bank was notified and I called about the fraud transaction. There were multiple transactions which they got resolved. the four listed above were not. 
I recieved a letter that " they were requested through a secure online banking session using your username and password. After reviewing all the information available to us regarding the transactions you are disputing we have determined that the transactions were made by you, or someone who had your authorization ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; 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 card

Dear CFPB, I am writing to formally lodge a complaint against JPMorgan Chase regarding the handling of my Chase XXXXXXXX  Credit Card account and the associated XXXX free award offer with XXXX. 

I opened the Chase XXXX Credit Card in XX/XX/XXXX, with the understanding that I would receive a XXXX free award upon spending {$4000.00} or more within three months. I met the initial spending requirement in the first two months of account opening. However, I made some returns, with the last refund appearing in my statement on XX/XX/XXXX, which temporarily brought my total spending below {$4000.00}. 

Concerned about this potential impact, I contacted Chase multiple times to confirm my reward eligibility. Each representative I spoke with assured me that I had already qualified for the reward and that the refund would not affect my eligibility. They clearly stated that what mattered was my initial spending and that the refund would not be deducted from the threshold. Additionally, I explicitly asked multiple times during the calls whether I needed to make any additional purchases to qualify, and I was assured each time that no further action was necessary. Below are the relevant calls : XX/XX/XXXX XXXXXXXX XXXX  ( XXXX minutes ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX minutes ) XX/XX/XXXXXXXX XXXX XXXX  ( XXXX minutes ) XX/XX/XXXX XXXXXXXX XXXX  ( XXXX minutes ) During each of these conversations, I was reassured that I was eligible for the reward and that no additional purchases were needed. On XX/XX/XXXX, after my first call, I made a second call that same night to reconfirm this information, and I was again told the same thing. Since the last refund was reflected in my statement on XX/XX/XXXX, there was no reason for me to doubt the representatives ' repeated assurances. 

However, when I called Chase on XX/XX/XXXX, I was informed that I was no longer eligible for the reward because my total spending was only XXXX XXXXXXXX due to the refund. Despite my explanation of prior assurances, I was told I was ineligible, and a case escalation was filed. 

After receiving no update for two weeks, I called Chase again on XX/XX/XXXX, only to learn that my escalation had been denied on XX/XX/XXXX, without any communication to me. The representative informed me that the escalation team had reviewed the phone call recordings but still concluded that no incorrect information had been provided. This decision is unacceptable, as it directly contradicts the numerous assurances I received from Chase representatives that the refund would not count against my spending and that I had already qualified for the reward. 

The lack of clear communication and consistent misinformation has caused significant frustration. Had I been correctly informed of the refunds impact or the need to make additional purchases, I would have adjusted my spending accordingly to meet the threshold. 

I respectfully request that the CFPB investigate this matter and work to resolve it with JPMorgan Chase. I firmly believe I am entitled to the XXXX free award. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

XXXX  Credit Card Dispute for XXXX XXXX XXXX XXXX On XX/XX/XXXX, my cell number and service were transferred to XXXX XXXX  XXXX XXXX terminated my access to the XXXX app once my number was transferred over to XXXX XXXX. My payments were on autopay, I no longer had access XXXX  app to stop my auto pay. When I contacted XXXX and advise them of what happened on XX/XX/year> with XXXX supervisor. He reimbursed the card on file for XXXX payment of {$120.00}, XXXX payment of {$130.00}, XXXX payment of {$130.00} and the XXXX supervisor assured me that the XXXX payment that was pending would not go through. The payment did go through and I then notified my credit card company, and they originally reversed the charges. 

When XXXX sold this account to the XXXX collection company, I send the XXXX collection company the proof in writing and sent it certified mail. Once they received my dispute along with my credit card statements showing that XXXX in fact reimbursed me for payments. The XXXX collection company quickly sent me corresponding letter stating that the account was closed. 

XXXX then sold this account to Credence Resource Manage collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX ) XXXX. I explain to XXXX XXXX XXXX collection company what had happen with the XXXX account. They decided to add the collection to my credit bureau as open collection account.