23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, Please update my personal info, see the account reporting inaccuracies and delete the unauthorized inquiries listed
Product: Debt collection

I am filing a formal complaint against 1ST ACCESS/XXXX/VT for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding their inaccurate, misleading, and unlawful reporting of my credit account ( # XXXX ). This false reporting is damaging my creditworthiness and financial stability. 

Violations and Legal References 1. Knowingly Reporting False Information ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) This account is reported with contradictory last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which is false and misleading information in direct violation of FCRA accuracy requirements. 
The remarks section is inconsistent, stating " Purchased by Another Lender, '' " Charged Off Account, '' and " Transferred to Another Lender '' across different entries. These conflicting remarks misrepresent the true status of the account. 
Under FCRA 1681s-2 ( a ), creditors are prohibited from knowingly furnishing inaccurate information to consumer reporting agencies.

2. Inconsistent Late Payment & Payment History Reporting ( FCRA Violation 15 U.S.C. 1681e ( b ) ) The account falsely reports 1/1/1 late payments, yet payment history shows 100 % on-time payments in one section and 83 % in another section, creating a contradiction that misrepresents my payment history.

FCRA 1681e ( b ) requires credit furnishers to ensure the maximum possible accuracy in credit reporting, which has not been met.

3. False Representation of Debt & Account Status ( FDCPA Violation 15 U.S.C. 1692e ( 8 ) ) The account reports Unpaid Balance Reported as a Loss By XXXX XXXX, despite reflecting a {$0.00} balance and status as Charged Off and Transferred to Another Lender. 
FDCPA 1692e ( 8 ) prohibits debt collectors from misrepresenting the status of a debt or providing false credit information.

4. Failure to Correct Errors After Dispute ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed this account, yet 1ST ACCESS/XXXX/VT  has failed to conduct a proper investigation and continues to report contradictory and inaccurate information.

Under 15 U.S.C. 1681i ( a ), credit furnishers must investigate disputes within 30 days and correct inaccuracies immediately.

5. Debt Collection Law Violations Attempting to Collect an Invalid Debt ( FDCPA Violation 15 U.S.C. 1692f ( 1 ) ) 1ST ACCESS/XXXX/VT  has falsely reported a transferred/charged-off balance as outstanding, which is an attempt to collect a debt that is no longer legally owed. 
FDCPA 1692f ( 1 ) prohibits any attempt to collect a debt that is not legally owed or accurately reported.

Requested Resolution : I demand immediate deletion of this account from my credit report due to multiple violations of federal law listed above. Any delay, stall tactics, or refusal to correct these errors will be considered willful noncompliance.

Furthermore, under 15 U.S.C. 1681n and 1681o, I am entitled to statutory damages of up to {$1000.00} per violation, along with actual damages and attorneys fees. This is my final warning before I escalate this matter to legal proceedings. 

Please resolve this complaint immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX both my and my wife 's credit scores, for no apparent reason, dropped 12 points on TransUnion credit scores. 

After checking all of our accounts, on XX/XX/2018 I filed a Request for Investigation with TransUnion, asking them for the reason why both of our credit scores suddenly dropped 12 points. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent a partial credit file of our joint accounts at XXXX XXXX XXXX XXXX. TransUnion did not answer my question as to the reason for the sudden drop on our credit scores nor did our credit scores change. 

On XX/XX/XXXX I placed an order, @ {$9.00}, for my credit score. On XX/XX/XXXX TransUnion sent me a copy of my credit score and credit file. Nothing in my credit file was any different. 

On XX/XX/XXXX I sent a letter to TransUnion asking them why the did not answer my question as to what caused the sudden 12 point drop in my and my wife 's credit score? I in the letter stated " So please, in plain english, tell us why our credit scores dropped 12 points suddenly on XX/XX/XXXX ''. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent my wife a copy of her credit file and on the same date, under file # XXXX, TransUnion also sent me a copy of my credit file. 

I want to know from TransUnion why our credit scores suddenly and for no apparent reason dropped 12 points on XX/XX/XXXX. 

Please Help resolve this matter. 
Thank You.
Product: Checking or savings account

I am writing to you today because I do not know where to turn for help. We are in desperate need in obtaining our money back to pay our rent that was due XX/XX/year> because of the incident below : My husband allowed our son to play on his tablet. My XXXX, who is XXXX XXXX XXXX and XXXX purchased {$10000.00} in XXXX XXXX XXXX and XXXX is refusing to credit us. My autistic son got hold of my husbands passcode to make the purchases but he never used any of the downloads. Frankly, our XXXX  son did not know he was causing any harm. 
I was on the phone with XXXX on XX/XX/year> for XXXX hours trying to explain the situation and they said the maximum they can credit us is {$800.00}. They said to dispute it with our bank, Wells Fargo. 
My husband and I have reached out to Wells Fargo since XX/XX/year> and as of XX/XX/year> they said they denied the claim. The escalation team said " no '' they did not approve it. When my husband asked Wells Fargo what the criteria was for rejecting or accepting the claim, they said they would not answer that question. We, of course, gave the bank full details about the issue that our son, who has XXXX, purchased these charges erroneously. Our son does things repetitively. So when he clicked the button and saw numbers, he simply thought it was a game so to speak. Our son loves numbers so the higher the number, in his eyes the better it is. He takes pictures repetitively, he speaks repetitively. I don't know what to say except we can not pay our XXXX rent nor put food on the table. This is heinous. Big banks and Big Corporations such as XXXX just want to squeeze the money out of the consumer. 
I am sickened. I have the denial letter if you need me to upload it. 

The claim # is : XXXX and their reason for denial : " They didn't find any evidence of wrong doing. '' So, they basically took our money and accepted the charges as is. 
Bottom line, Wells Fargo and XXXX won't take any action to give us our money back. The claim is for the amount of {$10000.00} Please, can you help us? 
Sincerely, XXXX XXXX and XXXX XXXX ( XXXX and XXXX to our son, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these inquires accounts XXXX. XXXXXXXX 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 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
Product: Credit card or prepaid card

I purchased a netspend prepaid card for {$100.00}. 
I tried using it on XXXX a couple of times but my payments did not go through. 
I went online today to confirm that the XXXX purchase I made today went through and I noticed that not only did my purchase not go through but I was being charged an inactivity fees of {$5.00} for the past 2 months. 
I called to try and resolve this but both customer service reps and the supervisor I spoke to told me they could not access my account nor could they give me the balance of my account back. I want others to know they should stay away from this company. As far as I can see all they want to do is scam you out of your money
Product: Debt collection

company has called my phone for 7 months in a row and i told them this is not my account
Product: Credit reporting or other personal consumer reports

Subject : Notice of Intent to Pursue Legal Action for Misreporting First Date of Delinquency XXXX XXXX 
XXXX XXXX has documented history about reporting untrustworthy information on credit reports .I have stated numerous time this account was delinquent on XX/XX/year> with the original creditor. 
XXXX XXXX is lying and being untruthful about the first date of delinquency. 
I am writing to express my grave concern regarding the misreporting of the first date of delinquency for the debt in question. It has become apparent that the information provided by your agency is inaccurate and potentially harmful to my credit standing. 

I must emphasize the seriousness of this matter. Misreporting the first date of delinquency is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also constitutes an intentional misrepresentation of facts. This has the potential to negatively impact my creditworthiness and financial well-being. 

I hereby demand that your agency rectify this situation immediately by providing accurate information to the credit reporting agencies. Failure to do so will leave me with no choice but to pursue legal action against your agency for deliberately misleading reporting practices. 

Please be advised that I am prepared to take all necessary steps to protect my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of your agency 's actions. This may include but is not limited to, initiating a lawsuit against your agency for willful violations of federal law. 

I strongly urge your agency to take this matter seriously and take immediate corrective action. I expect to receive confirmation of the accurate reporting of the first date of delinquency within specify a reasonable thirty days from the date of this letter. 

Should you fail to comply with this demand, I will have no choice but to pursue legal recourse without further notice. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Debt collection

I was served by Midland Funding LLC, I have asked XXXX ( a law firm representing Midland ) for validation of debt which they have refused to provide me with any evidence that it belongs to me.
Product: Credit reporting or other personal consumer reports

This collection agency has sent me links via text message with this account with multiple wrong addresses. Addresses I have never lived at before. I have had neighbors on the XXXX app post my mail with their address on it quoting they " keep receiving mail to their address '' with my name on it. When I went to pick it up from them I opened all the pieces of mail from XXXX with 2 different addresses on it, along with 2 different balances. This debt in no way has been validated despite my multiple attempts. I have disputed twice with Experian and each time they respond in less than an hour saying it is correct and will remain on my report. With absolutely zero proof or validation of the debt. I will provide proof of this. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

Escrow was raised this year in XXXX. It doubled my mortgage payment, in which I can not afford. I tried to get propetyy taxes roved from escrow due to the lender saying that is why it raised, in which they refused. I now see there has been a loan protection fee added to my escrow for over {$2000.00} so it raised because of that not property taxes and they refuse to remove it. I have had this loan for 15 years
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against for XXXX XXXX inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer.

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

XX/XX/year> Account name : XXXX XXXX XXXX Re investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not fu
rnish 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 following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit Corp Solutions reported negative invalidate and inaccurate information to a consumer reporting agency without sending me a form 809 ( a ) which is a direct violation of the FDCPA
Product: Student loan

I need a copy of all my loans, forbearances and ALL payment to date. I was told I could find this information online. However, I dont see anything early than 2017 Thank you
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX XXXX through this complaint process stating that they would provide me with a single point of contact since they have made many mistakes throughout my mortgage process including but not limited to refusing to honor the removal of my PMI, providing me incorrect and incomplete information about the removal of my PMI, and failing to provide me with a full letter capturing the removal of my PMI. 

XXXX. I was given a single point of contact, XXXX XXXX, at phone number XXXX ext XXXX to speak with directly regarding my mortgage going forward. On XX/XX/XXXX at approximately XXXX I called that number, and there was no occasion to enter an extension. I then asked the person who answered how I could speak to XXXX XXXX. I was given the same number I had just called, and the same extension. I told him that this was how I had reached the person I was currently talking to. I asked how I could reach XXXX. The individual I was speaking to said I could call XXXX ext XXXX. I called that number the same day and approximately the same time, and it was the exact same answering service as the XXXX number, similarly without an opportunity to enter an extension for XXXX XXXX. This time, the person who picked up either immediately hung up or disconnected, so I could not ask how/when to enter an extension or how to reah XXXX without this answering service as promised to me in XXXX XXXX ' outcome letter dated XX/XX/XXXX. 

XXXX. On XX/XX/XXXX I was given a letter that stated my PMI was removed and that the letter also included " a new XXXX Analysis which reflects your new payment amount and the next due date. '' This was not included. I asked for a copy of this letter in writing on XX/XX/XXXX, again in my written complaint to CFPB on XX/XX/XXXX, and again in a phone call to XXXX XXXX on XX/XX/XXXX in my call with XXXX at XXXX. Each time I was not provided with a copy of that letter. UndeXXXX XXXX XXXX I should have received a decision letter and my new payment amount in my XX/XX/XXXX letter. I still have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct was a secured wells fargo card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX