23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Money transfers

My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.
Product: Credit card

I reported fraudulent charges my Capital One credit card. I was issued a new card and Capital One reposted the fraudulent charges to the new card. I called again to report again that I did not make charges nor did I authorized anyone else to make charges. Eventually the charges were removed until today XX/XX/2023. Capital One simply changed the name on the fraudulent charges from merchant to my name and reposted to new account. I have lost count of the number of times I reported to Capital One that these charges are fraud. I did not make/authorize the charges. I did not lose the credit card. Someone fraudulently took my information and Capital One allowed charges not made in my name be posted to my account. After I reported, the name on the fraudulent charges was changed to my name by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX IN, {$940.00} SPRING OAKS CAPITAL LLC, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  - XXXX XXXX - XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization, violating FERPA and your responsibility to protect my records. Given the severity of this breach, I request the immediate cancellation and discharge of my student loan debt in full.
Product: Debt collection

I lived at XXXX XXXX, XXXX of XXXX 's properties, from XX/XX/XXXX to XX/XX/XXXX. After I moved out, I received a letter from XXXX dated XX/XX/XXXX stating that I owed {$260.00} after credits of {$1100.00}, utility charges of {$250.00}, base rent charge of {$890.00}, pet rent of {$35.00}, and two " Damage Charges '' totaling {$190.00}. I contacted XXXX via telephone to get more information on the " Damage Charges '' and they stated I need to write a letter detailing my request and dispute. I sent the letter on XX/XX/XXXX via email to XXXX and on XX/XX/XXXX received a response from XXXX XXXX with XXXX 's Account XXXX Department stating that she would get back to me. On XX/XX/XXXX, XXXX sent a pdf of an invoice listing my apartment, amongst many others, from XXXX XXXX XXXX, and a pdf containing photos of an unspecified apartment. There wasn't an additional description as to what XXXX XXXX did nor were there any details as to where or when the photos were taken. I responded to XXXX as such, stating that I did not find the documentation acceptable for what I was being charged. After another push back by XXXX, I asked for my case to be elevated to a XXXX on XX/XX/XXXX. On XX/XX/XXXX, I had not heard back from XXXX so I emailed XXXX stating since I had not heard from her, I considered the case closed and that I could expect a check for {$79.00}. On XX/XX/XXXX, XXXX wrote back that " The balance remains the same and that " There is no refund. I tried to work with XXXX and XXXX to get this resolved, but after months of back and forth I did not see a path forward amicably. I filed a XXXX XXXX suit against XXXX on XX/XX/XXXX for what I was owed. On XX/XX/XXXX, the judge ruled in my favor and issued a judgement for payment against XXXX. I received payment in the mail from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Columbia Debt Recovery, LLC ( dba Genesis ) attempting to collect on the {$260.00} I had taken XXXX  to Small Claims Court for. Since then, I have been going back and forth with XXXX to remove this debt. They call and harass me to pay at least twice a month, and I have even sent them the documentation from the courts with the judgement. I have reached out to XXXX but they refuse to take my calls or answer my emails. I spoke to Genesis for the last time today, XX/XX/XXXX, and once again they tried to bully me into paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
regions said my XXXX  shows a late clearly from XXXX  paid on time never late
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, XXXX, or Trans Union ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax will not supply my annual online credit report. I 've been tossed around multiple times. 

In addition, the XXXX website will not verify my identity properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

NAVIENT # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681b ( 2 ) the inquiries via the attached physical hard copy of the consumer file sent directly to your institution are a result of inaccuracies allowed by your agency willfully by not providing the permissible purpose for the listed inquiries. These actions caused grave damage to my creditworthiness as a consumer. In addition, pursuant to 15 USC 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( {$1000.00} ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Pursuant to 15 USC 1681a ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( which would be considered transactional history ), the XXXX  attached accounts via the physical hard copy of the file are disputed. The holding of these accounts is a violation of my right to privacy under the Privacy Act of 1974.

The civil liability for the violations committed under the FCRA and the XXXX inaccuracies that are disputed in my consumer report destroying my credit worthiness as a consumer is {$35000.00}. I expect to be compensated for the damage done to my reputation as a consumer as well as your institution adjusting the way they protect the information and privacy of consumers.

Failure to perform will leave me no choice but to seek legal remedy in Federal District Courts.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 U.S. Code 1666b - Timing of payments. 

XXXX and all three credit reporting agencies are reporting missed and or late payments on my report. 


15 U.S. Code 1666b - Timing of payments 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. 

The account number for this account being reported is XXXX. 
Account was opened XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a letter from Midland Credit Management , Inc. with information on an account which is not mine, implying that it is and that I must make payments on it or else they will take legal action against me.
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. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : 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 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.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act XXXX XXXX XXXX and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

Chase Bank in XXXX  XXXX on XX/XX/2022. My account was frozen unable to use funds. Use ATM or debit card. When I tried to resolve the problem Chase Bank said it was fraud and there was an investigation. However, they could not provide a claim number to supposed investigation or any information pertaining to why my account is locked. I was told to contact the sender which makes no sense.
Product: Credit card or prepaid card

I opened a new credit card account in order to buy my son new school clothes in XX/XX/XXXX. I spent XXXX XXXX The first payment was due XX/XX/XXXX. I sent the payment late on the XXXX. It was for XXXX XXXX I understand there is a late fee with interest. However, the check was not deposited to their account until XXXX! almost a full month after sending the check! Ive also since then made the interest payment of XXXX $ now my bank account has been XXXX  up ever since their XXXX and they keep on charging me! When I called and had the girl guarantee me It was all they needed to not charge me again! This isn't right! this is robbery.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion XXXX have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet
Product: Debt collection

The debt was charged off by [ XXXX XXXX XXXX XXXX ] and is now being handled by [ LVNV FUNDING LLC ]. I believe the debt has been canceled or forgiven, as evidenced by [ settlement agreement, credit report entries, etc. ]. 
I contacted [ XXXX XXXX XXXX XXXX ] to request the required 1099-C form, but they refused to issue it. I need this form to fulfill my tax obligations with the IRS. I request that the responsible party issue the 1099-C.
Product: Credit card

Hello, I was a victim of identity theft and someone opened lots of credit card using my name. XXXXJPMC Is one of them they opened this card on : XX/XX/XXXX - Opened XX/XX/XXXX - Closed The address was used during the opening time wasnt mine not I ever lived at that location. I reported to the JPMC fraud department but they came back said the charges are valid.

I told them many times I never received that card and not only this card I am facing identity theft issues but they never believed me and now they found me after I applied for one of their credit. 

JPMC send me 1099-C to report on my tax returns which I never spent.

Bank is not helping me to resolve this issue.

Could you please help me to resolve this matter. 

Thanks, XXXX XXXX