23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission. 

Failure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.

Misrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Debt collection

in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.
Product: Debt collection

Today ( XX/XX/XXXX ) myself, as well as every person who has ever lived in my house ( 5 people, 4 of which no longer live here ) received a call from a hidden number from someone claiming to be XXXX with the XXXX Division stating they are in route to serve me with court documents requiring my signature. They reference a case number XXXX and a phone number XXXX to contact for questions or rescheduling. She continues to say that failure to respond will result in failure to appear in court. my entire family is concerned so I call the number only to find out from a XXXX XXXX that its a " lawfirm '' that are trying to recover XXXX plus for a debt that dates back to XXXX. He claimed the original creditor was HSBC, which is odd to me, since I have never had an account with HSBC. Without me telling him anything, he gave me my full legal name, my wife 's name, my address and the last 4 of my social. Then continued to inform me that they are taking me to court to put a lien against my home and to report it on my credit. SC has a statue of limitation on consumer debt of 3 years, and only allows up-to one year to file suit. So I feel like all of this is both illegal and immoral. They contacted my entire family! I don't owe any one anything, so this has got to be a scam, or debt collection at its worst. No one ever showed up to serve me papers by the way...
Product: Prepaid card

A company by the name of Young America, a facilitator of rewards cards for XXXX has refused to honor the {$100.00} reward card owed me since XXXX XXXX. After numerous calls, they refuse to activate and give me the {$100.00} gift card that was part of my XXXX 12-month contract deal. Young America 's address is XXXX, MN XXXX. PHONE : XXXX Managers : XXXX, and XXXX. My XXXX account number is XXXX. My name and address is XXXX XXXX, XXXX, NV XXXX. XXXX, XXXX ( CELL ). 

I believe that Young America is committing fraud. They refuse to activate the card for 4 months and they keep giving me the runaround. At one point, 2 weeks ago they asked me to wait 5 weeks which is a total of 5 months for a card that had to be send in 4-6 weeks.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative Item. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Product: Student loan

On XX/XX/XXXX I received a call from Naviant saying my account was past due. I had been enrolled in an income based repayment for several months prior with my private loan and payments were set to come out automatically.

On the call the person explained that only a partial payment came out and that is need to make a payment of {$67.00} to bring the account current. I made the payment and set up automatic payments there after to come out on the XXXX of each month. I also received confirmation that payments were set moving forward. 

Several weeks passed and I started getting calls from Navient saying my account was past due. Each time I informed the representative that there was a payment scheduled, they said they saw it and then advised they would ensure I wasnt called again. 

I continued to receive calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My normal scheduled payment was made successfully on XX/XX/XXXX for {$260.00} as expected. 

On XX/XX/XXXX I received additional email communications from navient that I had a past due amount totaling {$84.00}, including late fees. 

Navient continues to charge me late fees and state that I have a past due account when I should be paid to date. Its clear the Navient can not fulfill their obligation to keep track of payments and I am requesting an escalation of the matter through the cfpb.
Product: Debt collection

I received a collection letter from Transworld Systems and  a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the creditor XXXX XXXX XXXX XXXX  and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has been charging me for credit reports for over a year now. I have told them to stop billing and refund me multiple times. I have been ignored. Billing started XX/XX/2020. Amounts are {$24.00} every month. I have called them, emailed them, submitted online requests. No response. Today I went through the process again. And for the first time ever was given an option of changing my membership to a {$0.00} fee service. 
They still do not have an option to end all services. 
As bad as they've been about this and how they provide information in my credit report ; this company doesn't deserve to be in control of people 's credit history. 
They should be shut down permanently. 

Separate note about this reporting complaint system. 
In the next section I am given an option. Of providing the last four numbers of my social security number. 
One of those numbers is a XXXX. 
Your system is not accepting the last four of my social based on that XXXX. 
Please fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( 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

XXXX & Equifax stated my account was properly Investigation but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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. Below are the names of the original creditors, along with account numbers and a list of various violations. XXXX Account # XXXX Violation 1 : Date Opened : ( XXXX ) XXXX  Date Opened : ( Equifax ) XX/XX/XXXX Violation 2 High Credit Limit : ( XXXX XXXX ) {$1500.00} High Credit Limit : ( Equifax ) {$1100.00} Violation 3 : Date Last Reported:XXXX ( XXXX ) Date Last Reported:XXXX  ( Equifax ) Violation 4 : Date Last Active : ( XXXX XXXX ) XXXX Date Last Active : ( Equifax ) XXXX XXXX Account # XXXX Violation 1 : Date Last Reported : XXXX  ( XXXX  ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX  ( XXXX ) Date Last Active : XXXX XXXX  Account # XXXX Violation 1 : Date Last Reported : XXXX  ( XXXX ) Date Last Reported : XXXX  ( Equifax ) Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) XXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) XXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX XXXX XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX  ( XXXX ) Date Last Active : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Violation 1 : Account Status XXXX Indeterminate ( XXXX ) Account Status : Closed ( Equifax ) Violation 2 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XXXX  ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported XXXX XXXX  ( XXXX ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active XXXX XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) Violation 3 : Payment Status : Collection ( XXXX ) Payment Status : 120 Days Late ( Equifax ) US DEPT ED Account # XXXX  Violation 1 : Payment Status XXXX Collection ( XXXX ) Payment Status : Collection ( Equifax ) Violation 2 : Date Last Reported : XXXX  ( XXXX ) Date Last Reported XXXX XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiry viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiry : XXXX XXXX XXXX XXXX XXXX, XX/XX/2025. The inquiry is not my inquiry.
Product: Debt collection

On XX/XX/XXXX I had an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. In XXXX I was shocked to receive a bill for {$680.00}. I was shocked because ( 1 ) it was a XXXX XXXX XXXX XXXX XXXX and ( 2 ) they claimed it was not covered by my insurance. On XXXX  I called the XXXX XXXX phone number to get an itemized bill ( I requested clearly and itemized bill ) and to gain more details. I spoke to representative " XXXX '' who was evasive and did not want to provide an itemized bill. I asked for a supervisor and was connected to " XXXX ''. When I asked for an itemized bill, " XXXX '' hung up on me. I called back and after being on hold almost 45 minutes I got " XXXX ''. I once again stated my skepticism that a XXXX XXXX could be {$680.00} and once again asked for an itemized bill. " XXXX '' acted professionally and stated I would get an itemized bill, BUT I NEVER GOT IT. Instead I was refered to the collection agency Arstrat. From my insurance company I found out that the maximum allowable was {$380.00} and that my insurance company HAD paid them. I contact Arstrat on XX/XX/XXXX after then send me a collection notice. The initial representative was hostile and placed me on hold when I informed them that I was disputing the amount, would demand validation and that I felt it was medical insurance fraud. I demanded a supervisor and was connected to " XXXX '' ( sp? ). She was slightly more professional but also tried to make me jump through hoops re-stating all my information when they cleearly had it. To conclude, ( 1 ) I was over charged, ( 2 ) they have failed to credit my medical insurance payment and ( 3 ) put me in collections when I raised questions about this all.
Product: Debt collection

I mailed the company a formal letter of dispute on XXXX/XXXX/2015 and requested verification of debt. I called today to advised them it 's been past 30 days and I still have not gotten any documents. I was told by XXXX XXXX that my dispute letter was received and she said she mailed the documents to an old address I then asked why was it not mailed to the address listed on the envelope and the dispute letter and she had no reason why.
Product: Student loan

I have requested to be put in the XXXX plan and taken out of XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they put me in a different plan and do not take me out of XXXX, but keep pushing my next due date back. My newest due date is XX/XX/XXXX. I'm accruing XXXX of dollars in interest each month that I simply can't afford. I've called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and waited on hold for XXXX hours. Each time they assure me they will fix the issue and process my request, but they never do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows 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 I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. TRANSUNION has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. TRANSUNION has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & TRANSUNION to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 subsection C 23 Inaccurate Bankruptcy on my Equifax credit report. I have written you over 5 times concerning the in accurracy of this bankruptcy XXXX deleted it XXXX deleted it and XXXX XXXX deleted it due to the inaccurancy and they notified equifax to delete it and they have not remove it as of yet they keep saying they verified it and thats a lie due to XXXX XXXX HAS REMOVED IT OUT OF MY FILE I ATTACHED THE LETTERS FROM XXXX XXXX AND THEY ARE IGNORING THE LETTER I WILL BE CONTACTING THE ATTORNEY GENERAL NEXT IF EQUIFAX OR CFPB NOT GOING TO DO YOUR JOB AND DELETE THIS OFF MY REPORT. WHEN I SPOKE WITH EQUIFAX ON THE PHONE THEY ASK ME TO SEND THE LETTER FROM XXXX XXXX AND I DID AND THEY STILL HAVE NOT REMOVED THIS DISMISS BANKRUPTCY THAT WAS DISMISS BEFORE IT GOT STARTED AND BY LAW INACCURANCY INFORMATION IS NOT TO BE REPORTED
Product: Credit reporting or other personal consumer reports

Applied for Loan wiht XXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. Dealer funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.
Product: Debt collection

We filed a compliant last XX/XX/2020 with you all Ref. XXXX with you all and they were to stop any further actions due to not being able to produce docs that they were representing the Treasury Dept and DOD ( Dept of Defense ). They are now endeavoring to have our personal Oregon XX/XX/XXXX tax refund short paid by {$1300.00}. I am having to file an appeal that cost me {$280.00} for the OR Tax Court to review and stop this effort. Please help stop these unfair and dishonest practices from the CBE Group. They place this dis-information on file with the XXXX XXXX , Tax Courts and through the mail to focus on Federal employees and military. Then represent themselves as a third party contracted by the Government and believe if you owe the military or federal they settle directly through your paycheck. Please help reopen this claim against CBE Group and address this collector 's conduct of continuing to collect on a debt they can not back up with documentation.
Product: Credit reporting or other personal consumer reports

Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX XXXXXXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,