23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Chase advertises Zero Fraud Protection, this issue is not identity theft, it was merchant fraud by a merchant we did business with by retaining card number and running charges for general references to products or services, but nothing specific. Merchant admitted charges were run fraudulently with no product or service provided. Chase continues to report this on my credit hurt me financially in order to collect the fraud loss from me rather than the merchant which went out of business. They make things up such as their " research '' or " investigation '' found that no fraud occurred, but they have failed to say what their research found was purchased in order to represent fraud did not occur. Chase can not do this because it is not true, only fraud is true. I have provided sworn statements and proof of jail for the crime. Crime has paid for Chase so far whom as made over {$15000.00} in interest over the few years this has been going on. They lie in letters sent out as well. The CFPB is the government oversight for credit card companies now. You guys do n't do anything!!! You send a pocket email response that says you wo n't do anything, or wo n't say the credit card company is breaking the law. So they XXXX people over. This is n't preschool and we do n't say anything is wrong, and just sit in time out. This is real stuff, real criminal actions, real jail time, and real fraud, but it is put on me the consumer. I am getting XXXX, my business is getting XXXX, and I 've placed several complaints, and receive no material response. Do n't let the banks screw people, because they will XXXX more people over with larger fraud amounts like mine, and turn it into a legal litigious item to XXXX the consumer. This fraud started at over $ XXXX. Chase raided the business account until it went negative. They only recovered around $ XXXX of it and kept it, but then said later that it was valid purchases .... How XXXX can you just go take money out of bank accounts for valid purchases?? You ca n't, Chase knew it was fraud!!! But when it came time to taking over a $ XXXX fraud loss, then went to being crooks. If anyone actually reads this, please email me at XXXXXXXXXXXX, or call me at XXXX XXXX XXXX. I think this is a complete waste of tax payer money cause you are not even looking nor acknowledging complaints!! If your policy says to ignore me, be a real human being and act like you would not want this XXXX to happen to you either. Be the Government Please, for the people, not for some people and not others ... ... .. Will you publish this for others to read?? Call me and let me know, anyone.
Product: Credit reporting or other personal consumer reports

I have submitted letters to them via XXXX XXXX, mail & via Experian app, I am resending this letter to get validation of the debt and will need a response within 30 days, the only send letters stating that the debt is verified but not how it has been verified or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.
Product: Mortgage

On XX/XX/2020 I submitted a complaint against my lender for charging me excessive fees and not being open about what they were applied to, I have included a copy of that complaint in the document section of this complaint. On XX/XX/2020 Ameris sent their response, also in document section. Since XX/XX/XXXX I have called Ameris weekly to try to get answers and they will not give them to me. In the breakdown of reinstatement there is {$380.00} in late fees, {$210.00} in property inspections, {$1000.00} in reinstatement fees, {$6300.00} in foreclosure fees and {$16000.00} in escrow advances. They did not and have continued to refuse to answer what the additional {$8000.00} was for. The questions I would like Ameris to answer is what is the {$1000.00} in reinstatement fees and how is that assessed and distributed. I would like to know what those fees are for. I looked up the case that the foreclosure fees are associated with and have included a docket entry from Ameris 's counsel titled Affidavit To Reasonable Attorney 's Fees and Affidavit of Attorney as to Costs and Time Expended. Both of these documents state that {$3000.00} is standard. Why was I charged so much more? Also, if the total to reinstate was {$270000.00} what was the actual principal that was due? I am concerned that my reinstatement has been inflated greatly to put me back into foreclosure even after I sent the {$27000.00} and charged me an additional {$8000.00} which I could not secure and went directly back into foreclosure.
Product: Debt collection

Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from Equifax and XXXX. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Product: Credit reporting or other personal consumer reports

i have asked XXXX, EQUIFAX AND XXXX to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically ACH from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.
Product: Credit reporting or other personal consumer reports

I did not authorize that my credit should be ran With these companies and I am unaware of this transaction : Regional acceptance on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorize any of this transaction With that being said, Ive reached out to the credit bureau and nothing has been done. I reach out to these agency and nothing has been done. Immediately action will be taken, and these will be removed from my credit report
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. 

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. 

XXXX5 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: Debt collection

I do not have any contract with this company and am not aware of this debt. It appeared on my credit without any knowledge of this debt. I have tried to reach out to this company and have not had any solution made to this problem. I want this taken off my credit ASAP. I do not owe this collection agency any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Navy FCU acknowledged that the company is in violation of 15 USC 1692 ( a ) ( 2 ) conveying of information regarding a debt directly or indirectly to any person through any medium. Today XX/XX/2022 Navy FCU is still in violation of 15 USC 1692a ( 2 ) by reporting private information which is violation of 15 USC 1681 section 602A, to credit bureau, is still a form ( medium ) of communication. NAVY FCU is furnishing my private information to a consumer reporting agencies without consent to coerce me to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means a violation of 18 USC 894 and carries a criminal liability of up to 20 years in prison.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$990.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX in response to a solicitation. I did not purchase a vehicle. I was advised by the agent she needed my social security number to verify my address and I received an alert from XXXX. I requested a letter to dispute as I did not authorize a hard pull. We decided to accept an offer they gave us but confirmed that they would only run my credit through XXXX XXXX XXXX XXXX to get the cash back and apr they were offering. The next day I was alerted that they ran my credit through the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did advise that I am only consenting to SETF as I do have an approval from my bank and do not want all those inquiries. 

This was done without my consent by the sales agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Ive noticed that this XXXX  is not reported with the maximum possible accuracy, and this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX Original Creditor : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 [ Jefferson Capital System ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist of Inaccurate Credit Reporting Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally demand that you cease and desist from reporting any inaccurate, false, or incomplete information regarding my credit history. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following information on my credit report : Account Name/Number : XXXX XXXX XXXX XXXX XXXX Disputed Information : This Debt was removed previously for incorrect reporting such XXXX account numbers and debt amount. 
The information being reported is inaccurate and misleading, and it is negatively affecting my credit score and financial standing. 

Under the FCRA, you are required to ensure that any information reported on my credit report is complete, accurate, and verifiable. I demand that you immediately conduct an investigation into this matter, remove the inaccurate information from my report, and confirm in writing that the erroneous entries have been corrected. 

Please consider this letter as my formal request to cease and desist reporting the above-referenced account information to any and all third parties, including creditors, lenders, or other financial institutions, unless and until the information is verified as accurate. 

If you fail to correct this issue within 30 days, I will consider further legal action to protect my rights, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking damages for willful non-compliance under the FCRA. 

I expect to receive written confirmation that the inaccurate information has been corrected within the legally mandated period. I also request that you provide me with a copy of my updated credit report once this process is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX in collusion with Bank of the West XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly listed the disputed accounts and detailed the violations affecting my consumer report in each correspondence. 

It has been over 30 days since my initial dispute submissions, and I have yet to receive a response from any of the bureaus. 

Attached are copies of all the letters sent for your reference. 

Please address this matter promptly.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debts. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit card or prepaid card

Self Inc wrongfully charged my card for XXXX randomly. My bill is only {$25.00} a month. They took XXXX XXXX dollars at my account without me knowing, and then lied like they never received it! They closed my account and my payout was supposed to {$520.00}. They then CHANGED it to {$74.00}!!! Talking about they just put that after it closes but REFUSE to give me my {$520.00} that they stole! This is so disheartening in times like these. I thought they were good for building credit, but no only fraud.
Product: Debt collection

This is a debt that I was never notified of and I have no knowledge of this debt. When I disputed it no additional information was provided. No bill was sent to me prior to be sent over to a collections agency, which did not allow me to find out where it was coming from or if was a mistake.
Product: Debt or credit management

They offered to settle my debts within a maximum period of 3 to 6 months. However, they did not fulfill this promise. Eight months passed, and I received absolutely no response from them, despite my repeated attempts to contact them. 

I started making payments in XX/XX/year>, paying {$700.00} per month. In XXXX, I increased my payments to {$750.00} per month until XX/XX/year>. In total, I paid them {$5900.00} over the course of eight months. I decided to stop making payments because I was not getting any responses from them. 

I sent multiple emails asking about the status of my accounts and whether I would be given access to a portal where I could see if they were actually working on my debts. They always responded with excuses, saying the portal was not working. Whenever they did reply, it took them a very long time. When I tried calling, they would either hang up on me or not answer at all. 

Now, after all this time, they are finally responding to my emails just to tell me that I do not qualify for a refund. I canceled my account in XXXX because I was not getting any results, and I stopped making payments. Today, they told me again that I do not qualify for a refund, meaning they want to keep my money. 

They claim they did work on my account, but that is not true. They did not settle a single account, nor did they contact any of my creditors. I want my money back because that is the fair and just thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$39000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$32000.00} NXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : 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/XXXX