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

I had a Chase Freedom Credit card that was used to shop for food at XXXX and XXXX XXXX restaurant. My order was not completed which mean that I did not received the food ordered. I reported the issue to the restaurant and the restaurant agreed to refund the money. Since I did not receive the refund, I decided to engage the Chase dispute center to assist with this matter. Chase argued that they called the restaurants and decided to close the disputes in less than 2 weeks. 
I spoke to several people at chase and none would be ale to properly address my issue. I asked to speak to a supervisor and did not get one. 
To sum this complaint, Chase argued that since the charges were made at the restaurants they have the right to make those charges valid and I should be responsible for paying those fees. I had a last chance to speak to a supervisor on the dispute department and still none is willing to assist. I wanted to appeal their decision on the same while I am contacting their executive department and stop any extra charge on the balance. Chase put on hold and never get me to the right agent to appeal the dispute. after speaking the XXXX at the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried to fix this issue with Experian in writing in XX/XX/2022 and also in XX/XX/2022. 

I have asked to update my XXXXXXXX XXXX Account on my Experian credit report to " PAID AS AGREED ''. 

This account continues to show lates and I was not late. 

The other 2 bureaus, XXXX XXXX XXXX XXXX already show that my account is PAID AS AGREED... it is Experian that hasn't updated this info yet. 

This is keeping my score down and affecting my ability to get credit and also insurance. 

Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

I discovered again again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$2800.00XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$3200.00}
Product: Student loan

I took out a private student loan with Sallie Mae In XXXX of XXXX for {$6400.00}, and another loan for {$1500.00}. In XXXX I was struggling to make payments, I fell behind. The loan for {$6400.00}, went up by {$9200.00} due to forbearance and capitalize interest charged. The amount of payments that I missed on my second loan was {$1200.00}. Both loan was charged off to XXXX XXXX. When the loan was charged off to XXXX XXXX, the representative at XXXX offered me to apply for a Income driven plan. I was on a payment plan for both loans, I paid off the {$1500.00} dollar loan on the payment plan and I was making the payments for the {$6400.00} loan. I later found out that the Income driven plan only applied to Federal Loans. While, I was making the payments with XXXX XXXX, Sallie Mae record missed payment each month and also charged the account for late fees. The account was sent to XXXX XXXX XXXX XXXX XXXX, for the past 3 years I am making a monthly payment that is deducted from my account the last day of each month. Navient who is now the owner of the loan listed my account as missed payments, past due, add missed payments fee and interest charged. Even though I am in agreement with XXXX for a monthly payment that is deducted from my account. In XXXX of XXXX Navient recorded a charged off amount of {$5300.00} which is the amount of the missed payments that was charged every month on their end. When I called XXXX about this issued they told me to call Navient. Navient response is for me to write a letter to their credit escalation team, I did, I never received a reply. My account need to be adjust, I was paying the monthly payments each month thru XXXX and Navient recorded that I was not making any payments. I would love for this issue to be resolved. Thank you.
Product: Debt collection

XXXX XXXX XXXX has been reporting loans past the statute of limitation to my credit bureaus. They had sold some loans XXXX and XXXX to Capital management services LP that has been harassing me and contacting me for repayment. XXXX XXXX is no longer reporting those loans because of their erroneous error they had to remove them. Capital management has not removed said loans and continues to contact me for repayment of erroneous loans. <P/>XXXX XXXX also has the first date of delinquency for loans XXXX and XXXX listed as XX/XX/XXXX which they said would remain on my credit for a period up to 7.5 years. florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS XXXX AND XXXX AND PAST THE DATE OF LOAN XXXX THEY SOLD TO XXXX XXXX XX/XX/XXXX THAT THEY CHARGED OFF IN XX/XX/XXXX.
Product: Credit card or prepaid card

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I made FIVE purchases from XXXX with by Barclay XXXX XXXX Credit Card, totaling {$4800.00}. All of those purchases coded as purchases - no problem. 

On XXXX/XXXX/XXXX I made a {$5000.00} purchase on my Barclay Arrival Plus Card from XXXX ( same merchant ) - and I was charged {$250.00} for a cash advance.

I contacted Barclay and got a stock response - but no reason why the coding changed all of a sudden and without warning - costing me {$250.00} in fees. This is an unethical thing that Barclay Bank is doing to the consumer, especially considering less than a week before, multiple purchases were made from the same merchant with no additional fees.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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.
Product: Credit reporting

This is not a duplicate, I 'm asking for Equifax to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. 
I would like the late payments removed from the account, not remove the account as you seem to think I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to Experian credit Report # XXXX Dated XX/XX/XXXX. XXXX XXXXXXXX XXXX Account # XXXX. I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, Experian, XXXX, and XXXX, XXXX XXXXXXXX XXXX has verified the information on each of the credit reports. I will attach a copy of a document from Experian showing the account and a copy of the loan history from XXXX XXXXXXXX XXXX. The reporting document from Experian shows that account number XXXX XXXX XXXX XXXX was discharged through bankruptcy XX/XX/XXXX, This XXXX XXXX account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the Experian credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the Experian report shows NOT REPORT ( 3rd Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from XXXX XXXXXXXX XXXX are also in XXXX, Experian, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached XXXX XXXX Bank statement you can see that the information on the Experian report is very INCORRECT, XXXX XXXX has been left out. This credit report is not accurate and is incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified, i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I do not believe that this debt has been validated and is incorrect. I have never been contacted about this but it is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX has 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 # thecreditteam
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their app leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as XXXX XXXX and XXXX ( XXXX ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX AccounXXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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
Product: Credit reporting or other personal consumer reports

XXXX from XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX NA on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from EXPERIAN XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX  on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX CO on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, 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 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, XXXX, emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably. I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company. Please send all correspondence related to this matter to the address listed below. 

Issue of Matter : Dept of Education/XXXX  Account ID : XXXX Adress : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Product: Checking or savings account

Cashapp placed a security lock on my account on a XXXX this was after an initial deposit from my XXXX XXXX in the amount of XXXX every XXXX weeks did I get the deposit I split the deposit between cash app and chime. The remaining balance is almost {$800.00} was in the bank account when the security lock was placed. Again watched my account being hacked my information being removed via text alert and I was on the phone with cash app during all of this and almost {$800.00} was removed out of my account during the security lock. Cash app told me that they had 45 days to get me the information that I need about the money that is missing out of my account I have made multiple calls with law enforcement and anybody else that I can get involved that would help me get my money replaced based on the failure of their security lock. This happened on XX/XX/year> and it is now XXXX the XXXX and I still have not got my XXXX back.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My credit report is being affected by information that is not 100 % accurate and not fully verifiable. I have not received any evidence to justify the reporting of these items.