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

XXXX is telling Experian that I have XXXX accounts with them when I actually have XXXX. They are violating the law because they are reporting incorrect information on my credit report. I do not care if they no longer are the creditors or own the debt. They are the ones listed on my credit report not second round. They also have XXXX XXXX account listed on their twice with a different account number. How are you not breaking the law. My credit is tarnished and I am unable to get a housing loan being of your incompetence. I demand compensation and will be getting a lawyer involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXX XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX  Balance {$3700.00}.
Product: Mortgage

Not only have JPMorgan Chase Bank , N.A . and its Agents failed to produce a live physcial note with a wet signature which secures the collateral tied to a " mortgage '' that has violated various regulations set forth in the Truth-In-Lending Act, JPMorgan Chase Bank , N.A . and its Agents, continue to abuse their customers in foreclosure after committing mortgage fraud by altering documents and attempting to exercise expropriation of private property unaffilated with said " mortgage ''. 

Statements set forth in Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act are not true and not correct. The Attorney representing JPMorgan Chase Bank, N.A fraudulently added an additional Tax no. ( XXXX ) to the Notice of Sale Pursuant to Judgement of Foreclosure dated XXXX XXXX, XXXX under Illinois Mortgage Foreclosure Act that altered the Judgement of Foreclosure and Order of Sale filed on XXXX XXXX, XXXX. The Motion to Stay Foreclosure Sale filed XXXX XXXX, XXXX is attached to the complaint. 

The additional Tax no. ( XXXX ) fraudulently included on the Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act is owned by the taxpayers listed below. This fraudulent addition of Tax no. ( XXXX ) altered the Judgement of Foreclosure and order of Sale filed XXXX XXXX, XXXX entered by Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. This is abuse by JPMorgan Chase Bank , N.A . and its Attorneys of the regulations set forth in the Illinois Mortgage Foreclosure Act to expropriate private property for private use without payment of compensation to the below taxpayers. 

Taxpayers of Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Taxes are paid by the Taxpayers of record as listed above for the Tax Year XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, XXXX. XXXX XXXX {$180.00}, CBE GROUP {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX items that were supposed to be permanently blocked from my account were returned to my credit report. I contacted Experian, XXXX and XXXX  to have them removed again and they denied my request since then more items have returned
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They a breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

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

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 creditor 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.

XXXX XXXX  TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have an unrecognized debt on my credit report that I do not have any knowledge of owning. It is in the amount of {$300.00} from XXXX XXXX, opened XXXX XXXXXXXX XXXX. I am not sure where this is coming from. I do not know why this went into collections or where it even originated from.
Product: Credit reporting or other personal consumer reports

I checked my report for the new year and noticed unauthorized and fraudulent accounts. These accounts are affecting my XXXX XXXX in the worst way possible. I am unable to get approved for an apartment and a vehicle along with many other things. Please for the love of XXXX have these accounts removed so I can reach my credit goals.
Product: Student loan

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge ALL CREDIT HISTORY OF THE LOANS WILL BE DELETED. I've sent multiple disputes to Navient and each credit bureau that's STILL reporting and they REFUSE to remove them.

Navient has reported them as defaulted and/or paid as agreed and that is NOT what it is. They have been DISCHARGED!!! NOT paid as agreed or defaulted. I've called them several times about this. I even spoke with someone who said they should've been deleted since they were approved for a discharge. The letter they sent even said they will they will notify the consumer reporting agencies to have them removed. They've yet to do that.

They are fraudulently reporting them as something they shouldn't be reporting as. I've asked them to change the status from DEFAULT/PAID AS AGREED to their true status of DISCHARGE and they refuse to. They constantly say they are reporting them correctly when they aren't.

This needs to be resolved AS SOON AS POSSIBLE.

I've attached the LOAN DISCHARGE APPROVAL LETTER, the letter from them saying they are reporting correctly ( as they are NOT ), and a copies of my credit report that show where they are still reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report. I have attached proof they sent me a letter this should be deleted but they did not remove them & each time I call it's a different excuse.
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX  by a woman, " XXXX XXXX '', who convinced me to invest into a company called XXXX XXXX XXXX that was trading through a XXXX XXXX XXXX XXXX. I sent my money through Citibank and XXXX XXXX to XXXX and XXXX, converted it into USDT and then withdrew the currency into a wallet on the phony investment company 's website, believing that the trades will result in profits. Instead, the scammers asked me for additional fees with the allegations that I am to pay taxes and consequently they never allowed me to withdraw the money that I invested. 

I realize now how foolish it was of me to fall for the aforementioned scheme. I have taken steps in getting my money back, namely reaching out to my banks for reimbursement, as I do not believe they were diligent enough in monitoring the transactions, nor did they warn me of the dangers of fraud. Citibank has not been cooperative and has replied negatively my demand letters, thus I have decided to submit an official complaint here. 
The sum I tried to dispute Citibank for is XXXX USD.
Product: Credit card or prepaid card

When after-quarantine shopping on XX/XX/XXXX at Macys I was advised by an associate that I may get extra 25 % saving first day shopping if applying for Macy 's credit card - then I've applied and the application was immediately denied with remarks that I will get an explanation, which i got - see attached. It says that " my previous relationship with Citi affiliates ( sic! ) they decided do not serve me more. When I saw " Citi ( ank ) " I immediately reveal the case : I've had my IRA with Citi Bank for more than 10 years until XX/XX/XXXX, when I got a letter from IRS saying that Citibank reported that in XXXX I've pull out from my IRA $ XXXX and did not pay taxes on that owing to the IRS about $ XXXX on back taxes. As a matter of fact on medical emergency I've took out $ XXXX, but according to IRS rules returned $ XXXX back to my Citibank IRA in 50 days ( less than 60 days required by the law ), while reported the $ XXXX as my income in XXXX tax year. I contacted IRS, they requested the statement from Citi on the return and its dates-attached, and recommended to contact Citibank to correct their iRS reports. I've called Citibank and was told that '' Citibank did everything correct and I am wrong, not Citibank. Then I've contacted the IRS again reported on the conversation : finally the IRS fixed the issue and I am no longer responsible for the Citibank error. Eventually, Citibank had been reprimanded and punished for its wrongdoing and it became the issue that " Citibank affiliate decided to " punish '' me with Macy 's credit card that it manages. If I knew about such Citibank attidude would never shop at Macy 's. But taking into account such an attidude I've decided to complain : there is no other reson to deny : I have credit score 750+, own a house, employed and never was late on any payments for 35 years.
Product: Debt collection

On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.
Product: Credit reporting or other personal consumer reports

I disputed multiple inaccurate accounts with Experian, including a mortgage with XXXX XXXX, a credit card with XXXX  and a derogatory account from XXXX XXXX  XXXX XXXX which were reported as late, open with a {$0.00} balance, or charged off. These discrepancies violate 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the " maximum possible accuracy '' in consumer credit reports.

After submitting several disputes, I requested that Experian provide the method of verification for these accounts, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and furnish the names and contact details of the creditors or furnishers, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). Despite my formal requests, Experian failed to adequately verify the accounts or remove them, as required by FCRA 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information.

Throughout the dispute process, Experian failed to perform a reasonable investigation, as required under 15 U.S.C. 1681s-2 ( b ), which obligates furnishers of information to correct or remove inaccurate information when disputes arise. Their failure to act violates their duty to investigate in good faith, as reinforced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates a deeper inquiry when a consumer provides evidence of inaccuracies. 

Examples include : XXXXXXXX XXXX XXXX  XXXX Reported as 30 days late with inconsistent last reported dates across bureaus, violating FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 
XXXX Credit Card : Listed as open with a {$0.00} balance and varying activity dates, which violates FCRA 1681e ( b ) 's accuracy requirements. 
XXXX XXXX  XXXX XXXX Reported as derogatory with unresolved charge-off dispute comments, in violation of FCRA 1681s-2 ( b ).

Despite my attempts to resolve the matter, Experian continued to report inaccurate information, damaging my credit score. Their superficial investigations and refusal to remove the disputed accounts constitute a violation of my rights under the FCRA.
Product: Mortgage

Amerihome Mortgage is rejecting my monthly payments and is trying to purposely take away my home.

Please help!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card

I am on a payment plan to repay my cc balance with Chase, I informed the bank I want to pre pay the remaining balance early and do not have a payment link to pre pay. They have not replied to my messages to pre pay the cc balance. 
JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported XXXX different credit card accounts to XXXX major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts. 
I have never applied nor used these accounts for my self benefit. 
My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. 
Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. 
I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Product: Student loan

I am located in a place where there is a natural disaster lost my job and requested a forbearance. My Loan was changed from XXXX to Navient. However, Navient will not allow me to file for a forbearance until i give them a checking account number which is wrong. Why should i have to give them a checking account number into order to file for a forbearance that 's illegal. My account with Navient is Account # XXXX. I have refused to give them a bank account number so they are reporting negative things towards my credit score. I really wish Navient would be shut down their tactics are disgusting
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

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

On XXXX XXXX, XXXX I called creditors in regards to some inquiries that were showing on my credit file. I called and spoke with XXXX at XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX. And all have basically stated that I have no account for them to send anything to credit bureaus. For me to contact creditor bureaus to have inquiries removed. I explained that credit bureaus instructed me to call creditors for some sort of proof that they are giving permission to remove inquiries. I also called XXXX and left voicemails with XXXX XXXX, and left voicemails at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with no return phone calls.
Product: Student loan

To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else.
Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX
Product: Debt collection

I am moved into a home rented by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX during XXXX. The tactic of this company is to use tenants to pay rent while the home is for sale. Once the lease is signed both management companies become unresponsive and ignore blatant code violations in the home. Ive put down an {$1800.00} deposit originally but was charged almost {$2200.00} for damages much of which was normal wear and tear. We forfeited the deposit of {$1800.00} and were charged an additional {$420.00}. We disputed this with XXXX and the charges were removed. Now in XX/XX/XXXX I am in collections for that same amount and the company Allied collections is refusing to remove the debt. Per yelp reviews of XXXX I believe this collection company is affiliated with the XXXX XXXX XXXX and this is a scam they run on people. Its been XXXX years since we lived there.