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

On XX/XX/year>, I received a letter from Experian addressed to XXXX XXXX XXXX, which is not my name. This incorrect identification raises serious concerns about the accuracy and validity of the information on my credit report. Subsequently, I contacted Experian to dispute both the incorrect name and all associated debts appearing on my credit report. Despite my efforts to rectify this issue and provide all necessary information, Experian has failed to adequately investigate my dispute or take appropriate action to correct their records. This lack of cooperation and failure to address inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies maintain accurate records and conduct a thorough investigation of disputes within XXXX days. Experian has not fulfilled these obligations in my case.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the credito

r has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Debt collection

Midland Funding LLC continue to send collection letters for a debt that was already paid to them. Their attorneys XXXX XXXX and XXXX offered me to delete the credit report in exchange for the payment in full of {$1200.00} as of today they have not deleted the credit report and they continue trrying to collect the debt already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
Product: Credit card or prepaid card

I am writing to you to report a fraudulent charge made to my Ink business credit card account by JP Morgan Chase. On XX/XX/2022, a mysterious charge of {$3500.00} for Pet Supplies appeared on my account. I have no knowledge of this transaction, as I do not own a pet, and I have never been to a pet store in XXXX, TX where the transaction supposedly took place. 

I have been disputing this charge with JP Morgan Chase for months, and they have not been able to provide any evidence that this transaction actually took place. I have done my investigation and found that there is no pet store in XXXX, TX with the name they provided, and the store that comes closest to their description has no record of a transaction for that amount on that day. 

I have contacted JP Morgan Chase 's executive level team, but they have been unhelpful, giving me the same answer every time and making me wait a month before responding. I have been told that I am responsible for this charge, even though they can not prove that it actually happened. 

I believe that JP Morgan Chase has committed fraud and is trying to make me pay for a charge that I did not make. I am requesting your help in resolving this matter and holding JP Morgan Chase accountable for their actions. I have evidence to support my claims and can provide further details upon request. 

Thank you for your time and consideration.
Product: Mortgage

In the beginning of XXXX my wife and I began an XXXX XXXX XXXX When COVID happened our suppliers were unable to send any items so we were forced to close down. I called my lender and received a forbearance plan. At the end of the forbearance plan, I was offered a modification, however my income had not fully recovered and I could not afford to resume payments. I missed the modification deadline and it was closed out. I was then told that I had to send in a full documentation package for modification review. The review began and seemed to be going well. When I was told a hardship letter was missing it was sent in XX/XX/XXXX, I have attached for review. Today I spoke to XXXX XXXX ID XXXX. XXXX XXXX told me the review closed out on XX/XX/XXXX for missing document ( hardship letter ) and that the loan had been referred to foreclosure. I feel this is unfair as now I am accruing legal fees when I was attempting in good faith to resolve this situation. I asked for the missing documents letters be resent via fax or email, XXXX XXXX refused. I asked for a supervisor, XXXX XXXX refused. I was told I had to speak to their attorney, I asked for contact information to do that, XXXX XXXX refused. This now begs questions : 1. After the first VA streamline modification did not go through, why was I not offered a second chance at a streamline since my hardship was not resolved. I would like to know the reason my lender sent me a modification before I was able to pay. 2. The hardship letter was sent on XX/XX/XXXX so why did this review close out. 3. Is XXXX XXXX correct and the position of my mortgage company is to refuse to send proof of communication, refuse to allow me to speak to a supervisor and while a file is referred to foreclosure but before an attorney files a Notice of Appearance, is the file in limbo where Truth in Lending does not apply? I have done everything on my end to resolve this without involving the courts and legal fees. I believe I have a right to disagree with my lender 's decision and I am unable to speak to anyone to try to find a resolution. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number 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. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I have recently been blocked on Paypal and my funds have been available to withdraw over a month ago. I have attempted to withdraw my balance as a check but I believe that paypal HAS NOT sent out the check and is holding my account balance hostage. I call customer service and they told me they will cancel the check and I can add my bank account to withdraw the balance, but 24 hours later when I called customer service they REFUSED that I can not add my bank account to withdraw my money and have it be sent through mail. I have requested a new withdraw for my money that has been SITTING FOR 6 MONTHS and I still believe Paypal HAS NOT disbursed my check yet and is holding my account hostage. I would like to be able to receive my money and be done with this game of tag.
Product: Debt collection

USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax and XX/XX/XXXX will not give me a updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my report and added back after everything was verified as not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law Alleged Data Provider, Alleged Account number, Alleged Adverse or Derogatory claim : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 180 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Date : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 180 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount XXXX {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$640.00}, Payment : XXXX XXXX XXXX XXXX : Collection/Chargeoff I have just learned that USC 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immedialty!
Product: Checking or savings account

IVE TO PAY MY CAR NOT AND THEY'VE THE AUDACITY TO LOCK MY ACCOUNT AS A CONSUMER YALL Dont HAVE NO RIGHT TO CLOSE ANYTHING OF MINE. 15 USC 1681. YALL ARE REALLY XXXX ME OFF BECAUSE IVE STUFF IVE TO PAY. WHAT IS SUSPICIOUS LIKE HOW ARE YALL GON NA DICTATE MY ACCOUNT. YALL NOT FOLLOWING NO FEDERAL LAWS AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting or other personal consumer reports

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ].

XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ].

XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX. XXXX XXXX Issues : [ Detail any issues related to XXXX XXXX accounts ].

These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a car and financed it through Toyota Financial Service. The financial term was for five-year, but I paid the car off within 2 years. Toyota stated that they sent me my car title, which they were not able to provide a tracking number for it. I waited 2 months and still did not receive my car title to register my car at another state. One of their customer representatives said they would help me obtain a duplicate title. However, when I called back they insisted for me to do it by myself. I had to pay for a title that was supposed to be sent to me after a paid-off. I contacted the state DMV and they indicated that Toyota did not request a title, and that the car was still under their lien. So Toyota had to send me a lien release after several contacts. In the end, they were not responsible for the title, and I had to drive back to the original registration state to request a duplicate. This process took way too long and had costed me money for a title that I deserved to receive at the end of my term. Toyota handled the situation very poorly, and their customer service representatives were not trained well and provided different solution every time. I would like for Toyota to pay me back the title fee incurred for having to do a duplicate title. This was because they could not send me the original title and blamed that responsibility on the postal service, when they did not even have a tracking for an important document they sent out.
Product: Debt collection

On XX/XX/2019, PENN CREDIT CORP # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Reported me to the Credit Burea and placed me in Collection for {$130.00}. The collection didn't show up on my Credit report until XX/XX/2019. I immediately called PENN Credit Corp to ask what this collection was for. I recognized the Creditor but it was at a house in a state I don't live in. I live in XXXX Ga and the house is located in XXXX OH. Since I was already reported to the Credit Burea, I was not given a chance to dispute or validate the claim. Since the amount in question was small, I wanted to settle and move on. PENN CREDIT will not remove the collection from my Credit Report. This seems like a very unfair practice of reporting before the claim could be verified. 

XXXX XXXX
Product: Debt collection

Back on XXXX XXXX my company XXXX sold 3 XXXX XXXX TVs to a customer for {$12000.00}. Payments on the same invoice were for {$9800.00}, {$1900.00} and {$970.00}. My company had to order the units from a distributor called XXXX XXXX. The transaction turned bad because it was discovered that the customer used a stolen credit card and fake identification. I, as the merchant did my due diligence to collect a signature for purchase and photo ID. 
About a week later, the credit card merchant services sent my company 3 notifications of chargebacks. They attempted to debit ( without prior notification ) {$13000.00} from my business bank account including chargeback fees. When they were unable to do so because my bank blocked the drafts they sent the account to a collections company called Cedars Business Services XXXX which threatens to hurt my personal and business credit with their actions. The first agent who made contact by email/phone was named XXXX XXXX the second XXXX XXXX, both from the same company. Mr. XXXX first made contact by phone and later that day by email XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

US DEPT EDXXXX US DEPT ED - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

One more thing I was reading the FCRA and noticed you violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a ( e ) 15 USC 1681b ( a ) ( 2 ) 15 USC1681 ( 5 ) ( a ) ( i )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I Recently Reviewed My Credit Report And Noticed An Account That Was Not Reporting Accurately. I Had More Than To Late Payments On An Account That Was Paid On Time. The Consumer Reporting Agencies Need To Report All Information With Complete Accuracy. This Account Has No Been Late On Payments Ive Attached A Copy Of My Report To This Complaint On The Following Dates ( XXXX22 ) Im Now Requesting You Investigate And Provide Proof With Records Showing That I Had Late Payments. If This Information Cant Be Verified I Demand I Demand These Payments To Be Updated On Time Immediately. Thank U For Your Understanding And Proper Actor
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's Rental Verification department is reporting the negative items below. The items do no belong to me. I wasI the victim of Identity theft. Please see the F.T.C report attached. I am requesting the items be removed immediately. 

XXXX Apartments : XXXX Apartments : XXXX at XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union did not investigate or fix errors. Attached proof not owe any money to XXXX XXXX I took out a loan in 2019 with XXXX XXXX. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX XXXX and Trans Union to dispute this. When they investigated it XXXX XXXX continued to verify that I was past due and did not make the last payment. I have disputed this directly with XXXX XXXX as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.
Product: Credit reporting or other personal consumer reports

My credit report includes inaccurate late payment entries. Please resolve these errors for accuracy.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.
Product: Checking or savings account

The Name of store XXXX XXXX XXXX. 

Date XXXX withdrawal XXXX from my checking account! I didn't purchase northing from this store on line Was taken out of checking account nine times / Report to CHASE bank They replace claim/ sent me a claim letter/ investigation store/ sent information, about they have know information on Merchandise, lose still withdrawal 87.19 out my account/ I check read the letter it is know Merchandise on that, I brought from this because, I don't buy from XXXX  This is fraud from this store used people 's card numbers, / because I do most of shopping on / Senior citizens never seen this store, before XXXX XXXX XXXX. 

I HOPE CAUGHT THEM STEALING FROM people 's thu hard times useing there card number/ from banks Thank you kindly God bless