davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Navy Federal Credit Union Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and XXXX for my Navy Federal Credit Union credit card account ( Account # : XXXX ) . These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX ( XXXX ), XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( XXXX ), {$0.00} ( XXXX ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment History : ** # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and XXXX update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made.

Enclosed are copies of my credit reports from XXXX and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Apelles, LLC (MI)

Subject : Complaint Against APELLES LLC for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against APELLES LLC regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/year> ], I was contacted by APELLES LLC concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. APELLES LLC has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from APELLES LLC regarding this alleged debt or its origin. 

3. **Unauthorized Access** : APELLES LLC appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, APELLES LLC has not provided adequate documentation proving their right to collect on this matter.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received several emails about my credit changing/inquiry from current accounts I have ( example XXXX ). Upon reading the report, it looks like Capital One had an inquiry on my credit on XXXX. This usually happens when applying for a new credit card or loan -- neither of which I was doing for Capital One or any other bank for that matter any time recently. 

I froze my credit on XXXX, XXXX and XXXX tonight ( XXXX ) and have filed disputes. I want to make sure no accounts are created under my name for Capital One - or any other bank.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Late Payments on XXXX XXXX XXXX  Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my XXXX XXXX XXXX account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) # # # **Discrepancies in Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX*Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. XXXX XXXX XXXX XXXXAction Requested : XXXX XXXX. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

Ulta mastercard which is thru comenity calls me no less than 5 times per day. Then send text after. They call from unknown number and leave a message and then numbers that rings up comenity. Also when I pick up they still call daily. They do not go by regulations. They have calked me 18 plus times in less than a week.they are not allowed to call more than 7 times in 7 days and they exceed triple that
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (TX)

I got my wallet stolen. So I reported all my things. Even cash app. They were to send one and I never got it so I stopped my direct deposit. However, I still have XXXX dollars on it and I want them to send it they want me to close the account and they jeep the XXXX dollars or use some out of the way way to get it. That's not what I signed up for ir was promised by the cash app. They won't send me a new xard I don't need thier business plus they don't close the account,? I actually have another. I want that closed. I want u to sue them on my behalf please
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX COMENITYCAPITALBANK/MY P XXXX XXXX XXXX XXXX, OH XXXX Dear Cfbp , I am writing to request the removal of the following account / late payment from my credit report : Comenity capital bank Date opened : XX/XX/year> This accounts is reporting as A charge off however I have no knowledge of account and no purchases have been made. The valve on the card comes from fees only.. I would appreciate it if you could remove this from my credit report to ensure its accuracy. 

Please investigate this request and take the necessary steps to remove these accounts from my credit report. If additional information is needed, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, XXXX **Consumer Financial Protection BureauXXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my XXXX XXXX XXXX XXXX credit card account XXXX Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX ( XXXX ), XXXX ( Equifax ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} XXXX XXXX ), {$0.00} ( Equifax ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) # # # **Discrepancies in Payment XXXX : ** # # # # **XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (TX)

I have not been able to reach anyone at this company and I have never had any type of account with them, XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA Credit Card I ahve never done business with any of these companies Thank you
Consumer complaint received 2024-07-03
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc. (AZ)

Tomo credit is still harassing me about a payment which they successfully took out of my account after contacted cfpb which said that my account was closed & tomo credit acknowledged the account being closed as well. Please tell me how tomo credit took {$49.00} dollars out of my account on XX/XX/2024.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (TX)

On XX/XX/XXXX I submitted a claim on Complete Credit solutions , Inc to validate debt that was owed. I reach out to them but they didnt respond to my request. I reached out again on XX/XX/XXXX when the claim came back to me as a duplicate. I havent heard anything from the company as of XX/XX/XXXX which is well past the 30-45 day timeframe. According to my consumer laws which they are violating this must be removed immediately from my consumer report. Furthermore they are still trying to collect on a debt that is pasted the statute of limitations to collect in my state of Texas which is 4 years.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

So a few weeks ago I left my phone at a gas station on accident. Someone saw my bank debit card was in the wallet in my phone and when they got into my phone and saw I had money in my venmo account they tried to transfer said money to rthe venmo in an instant transaction. The bank account is closed attached to the bank card that was on file. Venmo refuses to give me my XXXX dollars back and they claim they do not know where it is! No one can give me a single answer. I have talked with XXXX and the account is closed so therefore the money would be sent back. I asked venmo to investigate but they dont really do that, they open a case for XXXX hours and then close it before business hours are open for anywhere else which tells me they arent really looking into anything.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

I have a personal checking and savings accounts that were opened in XXXXXXXX XXXX XXXX, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for XXXX XXXX XXXX XXXX XXXX but it shows I have no employment history as well.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Made purchase from XXXX on XX/XX/XXXX XXXX # XXXX purchase price {$960.00} Item was not received. Many messages back and forth with seller, seller claimed, they had photos of delivery. and signature confirmation. Item was not delivered so I requested the photos and signature the seller claimed they had. The seller did not provide any documentation. Only told me the item was delivered. 
The XXXX tracking number clearly shows the item did come to XXXX Florida but was not delivered to my shipping address but ultimately delivered back to the seller in XXXX California on XXXX at XXXX XXXX. 
on XXXX I opened a dispute of the charges with Discover Card with which is the card I used for the purchase. I was issued a temporary credit on my account for the charge. On XX/XX/XXXX Discover card sent me a decision on the dispute and claimed the charge was valid and reinstated the charge back to my card amount {$960.00}. 
On XX/XX/XXXX I called Discover card to discuss the matter, they requested that I upload additional documents, I did. They told me they would take a 2nd look at the dispute. On XX/XX/XXXX I received an update from my Discover card account that the transaction has again found to be valid. On XXXX I spoke with a customer service rep from XXXX, they reviewed my case on the phone and in less than 1 hour they agreed that the tracking number shows the item was not delivered to me but to it was delivered back to the seller. They told me this was clearly a case of fraud by the seller and that XXXX, com would be launching an investigation into the sellers fraudulent sellers actions. I have called Discover Card customer multiple times, a have not received a resolution from them.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

Have called Chase Bank to report untrue charges on statement. They still want the {$1600.00} money I do not owe them. I originally wanted a Chase credit card but changed my mind and cut up their card when sent to me. I never used it to charge anything. They now say I owe payments due. I sent them {$100.00} out of fear but they neither returned my {$10000.00} or gave me credit on their statement. I have called Chase many times to explain without success. Every time they REVIEW my problem, they still say I owe the money to them. I don't owe Chase because I did not use their card, I cut it up the day I received it and did not charge anything on it. Everything I buy is paid for by my own bank, out of my checking or VISA account there. Chase is now saying I'm past due on payments when I don't owe them anything. Hope I can get this resolved. I always pay my bills. 
Thank you, XXXX XXXX XX/XX/24
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX XXXX XXXX** **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments and Chargeoff Status on XXXX XXXX Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment entries and chargeoff status on my credit reports from Equifax for my XXXX XXXX account ( Account # : XXXX ). These entries are not accurate and have unjustly impacted my credit history. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX - **Balance** : {$0.00} - **High Credit** : {$900.00} - **Credit Limit** : {$0.00} - **Past Due** : {$0.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX - **Date of Last Payment** : XX/XX/XXXX # # # **Discrepancies in Account Information : ** # # # # **Equifax : ** - **Late Payments** : Account erroneously listed as late and charged off ( XX/XX/XXXX- XXXX XXXX ) - **Chargeoff Status** : Incorrectly reported as a chargeoff - **Payment History** : No late payments were made ; the account was successfully paid off in full in XX/XX/XXXX. 

These entries are inaccurate and violate the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), which requires that information reported by consumer reporting agencies be accurate and complete.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Equifax updates my credit report to reflect accurate payment history and removes the erroneous chargeoff status.

2. **Notification** : Please notify me once the corrections have been made.

Enclosed are copies of my credit report from Equifax highlighting the disputed entries, as well as documentation proving that the account was paid off successfully in XX/XX/XXXX. 

Thank you for your prompt attention to this matter. I trust that you will assist in rectifying these inaccuracies promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX