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

This company is in constant contact with me harassing me requesting payment on a debt that was the direct result of identity theft. I already filed a FTC report and sent it in to XXXX and the first debt collector. Now I have another debt collector four months later which is HELVEY and associates harassing me on behalf of XXXX when the FCRA clearly states once a identity theft is claimed the predator may not sell, transfer, or have someone collect on a that alleged debt. I have not opened nor did I authorize this account to b open. This company is threatening to please a derogatory account on my credit report that I did not authorize door open which is a violation.
Product: Checking or savings account

FAKE FRAUD ALERT FROM CHASE EMPLOYEE I received a phone call from an unknown number with a caller ID of JP Morgan Chase-XXXX. ( I have later verified that the number is associated with a Chase bank in XXXX, XXXX ) My bank usually doesn't call me, unless there is a fraud alert on my credit card. I answered the phone and a man named XXXX from the XXXX, XXXX, branch of Chase bank told me that large amounts of money were being transferred out of my checking account, these transfers had been flagged in their system, and he asked if I was aware of these transfers. I believed my account had been compromised, and XXXX was alerting me to the fraud. I pulled up the Chase app on my phone to check the transfers from my checking account, nothing seemed unusual, and I asked XXXX if he could clarify what transfers he was referring to, still unsure if the call was legit. 

XXXX was referring to the lump sum I transfer to our family 's joint checking account with XXXX XXXX to cover our mortgage and car payments. This lump sum is, and has been, transferred regularly, in the same amount, for years. It has never prompted a fraud alert or any issues before. 

When I pointed this out to XXXX, he then switched gears and asked if I was aware that Chase had opened a branch in XXXX and I could do my banking with them, rather than XXXX  XXXX. XXXX faked a fraud alert to solicit business. I called him out, and he admitted that there was no fraud, but he then said, " Well, these payments have been flagged. '' Yes, flagged that I wasn't doing business with Chase. This is totally messed up. 

This may be an isolated incident, but the way XXXX reacted, falling back on the fact that the mortgage payments had been " flagged, '' indicated to me that this was a scripted pitch. He may have been trained to do this, and Chase may be doing this to other people. It is unethical and just immoral to fake a fraud alert to solicit business. Banking depends on trust. I didn't expect my bank to mislead me as part of a sales pitch.
Product: Payday loan, title loan, or personal loan

I took out an {$88.00} from possible finance and set up automatic installment payments to boost my credit. The payments were {$22.00}. They processed all but one payment automatically. I attempted to make a payment manually but I continued to receive a pop that stated to try again. This went on for a while. They then negatively reported the payment late to the credit bureaus and my credit score decreased by 56 points. 
I contacted them letting them know I attempted to make the payment but it was their system that failed. 
So here I am once again attempting to make a payment for the last {$22.00} and their system WONT take it. The message I get basically states to try again and apologizing for the inconvenience. 
This is a problem on their end. They have no phone, only an email. I emailed them about but receive no response. Yet they send me automatic emails stating my account is default. The reason why Im default is because THEIR system is faulty.
Product: Credit card

XX/XX/XXXX we rented a car from XXXX in XXXX, through a broker, XXXX XXXX. Rental car fees were charged to our Chase Visa card. Under the terms of the rental agreement, local taxes, and misc fees were to be invoiced after return of the car. Upon receiving a billing to our credit card for XXXX XXXX from XXXX after the rental period, we found that this billing included XXXX XXXX for refueling the car, despite the car being returned full. We filed a complaint with our credit card bank, Chase, and the dispute was resolved in our favor. XXXX issued a credit for XXXX XXXX. 
Subsequently XXXX claimed that they were never paid the undisputed amount of XXXX XXXX by Chase. Despite several letters from us, they turned the non-payment over to a payment recovery company, XXXX, who threatened legal action. Chase states that XXXX has been paid. In three separate conversations with Chase, including one with a supervisor, Chase maintains that XXXX has been paid. I have requested that Chase furnish tracking information so that if Chase has paid XXXX, the payment can be traced. Chase refuses to provide tracking information - their position is that the charges appear on their credit card statement, therefore XXXX has been paid. 
At Chase 's suggestion I have furnished XXXX with copies of all credit card statements of our credit card since XXXX, 2015, asking them to check their bank for payment, all to no avail. XXXX advises that they have checked and continues to insist that it has not been paid. 
In conclusion, it is impossible for us to resolve this issue. We have paid Chase for the non-disputed amount. XXXX insists that they have not been paid, Chase insists that it has made payment, but refuses to provide payment tracking information. 
Note that the outstanding amount has now dropped to XXXX XXXX as a result of XXXX offering a further discount of XXXX XXXX to resolve the matter.
Product: Debt collection

I am disputing owning any and all debts. Collection agency ( Portfolio Recovery Associates ) has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) buy yet has placed a collection AND charge off on my consumer report.

I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

They are violating my consumer rights by using false misleading, misrepresentation and deceptive means.

They have no authority to furnish my account to a consumer reporting agency without providing any and all disclosures required by law and are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have contacted several times to no avail. 
I am requesting that XXXX XXXX  charge off and collection be removed from my consumer report. 
I am also requesting certified mail proof of service regarding this collection account. 
Thank you.
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 15 USC 1681. 

Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

I have previously notified you of the fraudulent credit inquiries appearing on my credit report to which I have never applied to nor recognize, yet you blatantly ignored my complaint and these fraudulent inquiries still appear on my report, this is a violation of my rights as a consumer.
Product: Student loan

navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.
Product: Credit reporting or other personal consumer reports

XXXX had a data breach it was last year me and my wife go to shop for a house we go to check my credit and I recognize all these different charges from different companies and att had a data breach that gave away my information like name email ssn social and address I tried to dispute this but the companies won't work with me the companies are all online so none in store like XXXX {$1300.00} XXXX  XXXX {$1200.00} XXXX XXXX  {$1000.00} XXXX XXXX {$3500.00} XXXX {$1000.00} i am currently disputing these items but they keep coming back on all three burues i am a victim of identity theft and this is holding up my whole life and family life
Product: Credit reporting, credit repair services, or other personal consumer reports

We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.
Product: Payday loan, title loan, or personal loan

XXXX  would like to be updated on my bank balance.  XXXX  said : " Your bank balance is n't always fresh. We do all we can to keep it up to date, but your bank has been slacking on sending over your info. ''
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/2024 in about identity theft accounts on my credit report as of today more that 30 days, Experian has yet to respond. per the FCRA that's makes Experian in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing XXXX days prior, I was NOT notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I had a Citibank credit card from the time I started my XXXX XXXX program in the year XXXX. I paid it every month during the grace period, with the occasional exception generating interest. Sometime in XXXX to XXXX my limit had reached XXXX dollars. I tried to use it one day and it was declined, and I called and they said they were no longer offering that service to me. Then he asked me how I would like to pay my remaining balance. I told him I did not, and got off the phone. Though I had never paid through automatic payments, he then set up an automatic minimum payment each month without my permission. My bank activity became hectic with lots of autowithdrawals for bills and services, and this autopayment was not clearly named. It was not until XXXX when I closed that bank account that I noticed a XXXX something autopay that did little or nothing to pay more than interest. Over a period of more than 6 years, they had stolen around XXXX dollars from my account. Additionally, someone had changed the password and security questions on my account. I can no longer access any account information.
Product: Checking or savings account

Im keeping my account at a low balance on purpose to invest in the stock market. I was switching everything over to make sure no charges went to my checking account. They had charged me a couple of overdraft fees but I thought it was just XXXX charge. This past weekend I had several go through at once. Over the span of XX/XX/year> alone I had XXXX overdraft fees XXXX of which happening from XXXX weekends charge. When I noticed the problem I tried to get in touch with them and said I didnt know those payments were going through. They said sorry and they couldnt help refund them. They didnt let me know that I could opt out and completely avoid these charges by blocking payments! They also didnt let me know that several charges could go through and each one is an individual overdraft fee. 
I asked them to refund all of my overdraft fees or I would switch banks and they declined saying they couldnt. I then asked them to close my account and they also couldnt do that because of the fees. I asked them about the {$5.00} cap on overdraft fees and they ignored it.
Product: Debt collection

Sent a dispute a month ago for an account that was reporting inaccurate and it was unverified. I REQUESTED THAT THE ACCOUNT BE DELETED FROM MY CONSUMER REPORT. THIS DID NOT HAPPEN. THIS IS A CLEAR VIOLATION OF THE FCRA AND THE FDCPA. THIS ACCOUNT IS STILL REPORTING AFTER I SENT IN THE DISPUTE. SINCE THIS ACCOUNT HAS NOT BEEN VERIFIED AND IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT, I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

Approximately 5 weeks ago I contacted Experian to remove 2 non-mailable addresses from my credit report, and as of today they have not provided any assistance in the matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXXAccount : XXXX ) Has XXXX my rights XXXX XXXX XXXX XXXX XXXXAccount : XXXX ) Has violated my rights XXXXXXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX. XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for an apartment and was denied for three apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not only impacted my personal information through their data breach. I am a victim of Identity Theft and they are the only bureau that hasn't removed the fraudulent information from my credit profile! I have submitted all of the required information to them which will be attached with this complaint via USPS certified mail and it has been over a month and it is still " under investigation ''. Fraudulent accounts are to be blocked from reporting within 4 business days after the date of receipt according to 15 US Code 1681c-2. It has been more than 30 days which means I also have the right to have this account and the address attached to it removed immediately ( Section 611a ). Equifax is also in violation of FDCPA Section 807 by reporting misleading information.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

this company has contacted me several times pertaining a debt I don't owe. I have notified them several times to cease and desist yet they still continue to contact me by mail and by cell phone. they are also reporting negating information to the CRA 's.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

Never received correspondence from debt collector showing on my credit report I dispute validity of debt Debt collection efforts not in keeping with FDCPA
Product: Mortgage

A couple years ago my Husband went from XXXX a year to XXXX a year we fell behind on our mortgage. I n the middle of the Modification XXXX sole us out to Select Portfolio Servicing. So we started another Modidication. We are 24 months deliquant. We just got another Mod and went from3.5 % to 4.5 % our payments went up and we ca n't afford them. We are up side down about XXXX our loan went from XXXX to XXXX I just do n't know where to turn