23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchase was XX/XX/2017 with XXXX XXXX XXXX Invoice states that NEW PARTS are to be installed on the vehicle. Please refer to attached invoice, in the TOP LEFT CORNER it clearly states that New Parts will be installed. I have circled this area in red so it is easier to see. 

Please refer to statement by the Merchant which indicates that they installed parts previously used on another vehicle. I have underlined this portion of their statement in red so it is easier to see. 

Based on these two pieces of documentation, it clearly shows that the Merchant 's description of the item ( What was stated on the invoice ) does not match the merchandise received. 

I am asserting my CLAIMS AND DEFENSES protection, and am within the 1 year deadline to do so. I am disputing the amount of {$1200.00}. The merchant has refused to refund the charges, and I am requesting that Chase dispute the transaction and return my money to me. The merchant is located within 100 miles of me, and I have not paid the amount that I am disputing, so I am well within my rights to assert my claims and defenses protection. 


The response from JP Morgan Chase : " We were unsuccessful because we have nothing to support that the service/merchandise that you received is different than what is on your final sales receipt or invoice. '' is misleading because the Merchant sent them the Statement admitting that they installed USED parts on my vehicle, when I have supplied them with the signed invoice stating that NEW parts were to be installed on my vehicle.
Product: Debt collection

National Enterprise Systems is trying to collect on behalf of XXXX XXXX  for an unknown debt. National Enterprise Systems has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$3000.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past six months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Product: Checking or savings account

In XXXX my chase account was closed and I didnt even know why ever since Ive been trying to open an account with them and Im not able to do so.
Product: Checking or savings account

On XX/XX/XXXX the company decided to restrict my account for review until XX/XX/XXXX the date continued pushing until XX/XX/XXXX. After this date they decided to start closing my account. As of XX/XX/XXXX they are still holding my funds XXXX not allowing the transfer of funds and claims over the next 15 days they will transfer funds from my accounts. This is an excessive amount of time to hold XXXX XXXX. This is disallowing need and use of the funds. The bank only responds with canned replies. 

The company made no attempt to contact me to assist in resolving the restriction.
Product: Student loan

Initially consolidated school loans XX/XX/2015 with Navient. I was not informed about all my options but steered to deferment and forbearance due to attending school full time. Interest rate was first $ XXXX/month and without notice now accruing over $ 100/month. I called Navient because I received bill for {$250.00} repayment due to a gap in semesters as I wait for fall for the XXXX XXXX program. Customer service representative gave me estimate of a {$100.00} interest per month and said there was nothing I could do but either make payments or forbearance.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX, I purchased an XXXX washer appliance from XXXX XXXX store, XXXX, California. The customer service representative who served me stated I could pay a portion of the purchase price in store and the remaining balance on an installment plan with a XXXX approved outside financing agency. I agreed to said promotion and paid {$260.00} in store with the agreement I would then be charged 5 additional payments of {$44.00} per month for the remaining balance, with the total amount paid equaling {$480.00}. The 5 monthly payments were paid in full. However, the month succeeding the 5th payment XXXX XXXX XXXX, I was charged a sixth payment of {$44.00}. Upon contacting the leasing company ( WhynotleaseitXXXX ), I was informed my lease was not a lease to own and that if I wished to purchase my appliance, I would need to pay the residual balance of {$140.00} in addition to the next installment payment of {$44.00}. This would bring the total paid to {$710.00} for the appliance with a cash price of {$480.00}. In addition, I was informed I could continue to pay the lease fee for an additional 12 months, after which time, I would need to return the item to the creditor. In total, I will have paid the company 147.16 % of the retail purchase price of the appliance. I believe this company is engaging in deceptive practices by not explicitly disclosing that you are agreeing to a lease without ownership at the point of purchase. Furthermore, the company does not inform you of the option to purchase your item at the end of the 5 payment period, instead opting to continue automatically charging your payment account without notice.
Product: Debt collection

In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED HARD INQUIRIES I DID NOT MAKE + XXXX XXXX XXXX Inquiry : XX/XX/2023 + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Navient calls me up to ten times  a day and at least every hour. Spoke with someone last year and they indicated that on my private loan I had a cosigner which was my father, I explained to them that my father as never co-signed anything for me and I do believe that the records were wrong and I do n't recall filling out for a private loan. So on  XXXX  -17 a na vient representative call me about a payment but I explain to her that I started a new job it would get my first full check until the end of this month I would n't be able to make a payment until next month. The representative talked all over me and ask could I pay them and hold off on my other bills, I told her no I could n't because the other bills were mortgage and lights. She then went on to say after  XX/XX/XXXX  I will be reported to the credit bureau and they will have to reached out to my father. Well I explain to her that my father never co-signed for me and I do n't even think this private loan is legit but no one has ever called me back with details or paper work showing if it was legit or not. Navient bully individuals with calls and make individ ual s pay w ithout proper documentation rather the loan is legit or not. I do n't ever recall having a private loan or having my father coaign for anything something got messed up in the system.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 90 days late as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt or credit management

XX/XX/ I applied to XXXX XXXX  timeshare transfer company to help me grid of my timeshare. They had a process to fill out their application. the first was to get my personal information and signed up for financing with their finance company. they were to send me more forms and I had ten days to return the forms. They sent the forms, and I couldn't understand what they sent. the forms weren't in English. I called and they couldn't get back to me within 24 to 48 hours and I am on 10 days limited. I called again now I get insurance listings and another time I called I get that this call is an international number. 
red flags. I finally did get someone on the phone and he said he would fix the problem that didn't happened. Ten days pass now the contract is supposed to be cancelled. I called the finance company United finance company and asked the to cancel the account. They said they couldn't. XXXX XXXX had to cancel the account. that didn't happen. Now they are harassing me for money on an incomplete application that is supposed to be cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair report credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Good evening, I recently opened an account with a company called Coinbase.i gave all of my information via the internet i.e. Proof of I'd, bank details, address etc. All was ok. 
To verify my bank account they asked for a small amount to be deposited which I did, after three weeks of trying to get in touch by email and phone I have given up. The last email I replied to I sent a copy of my bank statement showing the money had left my bank account, my bank also confirm it has gone into The coinbase bank account. I had an email from a gent called XXXX who said it would be sorted out, but still not. My bank is still showing unverified on my coinbase account so am unable to transfer any of my money from them.I am a XXXX citizen and am regulated by the XXXX. Who regulate finance and banking within XXXX and in my line of work this would never happen. Please can you assist as I'm running out of patience. 

Many thanks
Product: Vehicle loan or lease

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of XXXX XXXX : XXXX XXXX XXXX ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
XXXX XXXX XXXX ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
XXXX XXXX XXXX ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
XXXX XXXX XXXX ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
XXXX XXXX XXXX ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

inquiries : XXXX XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CPS/MAIL | XX/XX/year> FIRSTHELPF | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> SANDSMOTOR | XX/XX/year> SANDSMOTOR | XX/XX/year>
Product: Credit card

Back on XX/XX/2023 I found that a {$300.00} pre authorization from XXXX XXXX XXXX on my credit card right away I contacted my credit card issuer to stop any transactions from XXXX XXXX XXXX  because I cant find my card and canceled my account. The cancel my account and sent me a new card. On XX/XX/2023 w see a transfer charge to my new account from my previous canceled account in the amount of {$2500.00} which is over my credit limit I contacted the bank and the dispute the transaction after XXXX week the denied my request and contacted them again and explained to them I cancelled the old account and contact me before you approve any charges. They never did and asked them how you approve an amount almost double my card limit without contacting me they said its up to the bank which is not the case several times the did not approve any amount over the limit in the past relatively less than {$50.00} above my credit and reported my account to the credit agency for non payment.
Product: Mortgage

When I took out my mortgage ; the company I took out my mortgage with advertised low mortgage payments. The first couple of months were affordable. However, my mortgage payments increased so high that I was not able to keep up with my monthly payments.
Product: Mortgage

1. During Covid Mortgage Servicer XXXX offered me a Forbearance, which I gratefully accepted ; timely filled out requisite forms, executed ( and notarized ) a Promissory Note and XXXX to XXXX on XX/XX/XXXX XXXX. On XX/XX/XXXX a Partial Deed of Trust was electronically recorded on XXXX XXXX XXXX. 

2.Upon expiration of the Forbearance period, XXXX representative contacted me, and encouraged me to apply for a " Loan Modification '' to lower my interest rate and monthly payment, while assuring me the process would NOT adversely affect my Credit Scores, further assuring me there would be zero adverse reporting to the Credit Bureaus XXXX 

3. On of about XX/XX/XXXX Mr. Cooper ( formerly known as Nationstar Mortgage ) acquired the loan servicing, and I was contacted regarding the status of my Mortgage. When I explained I received a Forbearance, AND was in the process of a " Loan Modification '' I was told " not to worry '' that sometimes it took several months for the paperwork to be provided by the previous company. 

4. The VERY FIRST inclination there was a problem was when XXXX sent notification my Credit Score tanked by XXXX points. 

XXXX. Despite providing Cooper supporting documentation, over the last 6 months, Mr. Cooper refuses to resolve the matter " there's nothing we can do, you should contact XXXX, they're the one who dropped the ball ''.
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX was notified that I had information in Early warning reporting agency. After notifying the agent of my concerns XXXX was very rude and condescending. He then began to antagonize me. After asking for a supervisor he refused. I got no help.
Product: Credit reporting

I have an old private loan with my XXXX University. From the account information on the loan sent to me by the University, it shows that it sent to the Credit Agency, Experian and XXXX, that the loan had been reported as paid off on XX/XX/XXXX. However, my Experian Credit Report shows this loan being in collection ( Negative Remarks ) in XX/XX/XXXX and XX/XX/XXXX. This is after 4 years of ND ( No Data being reported on the loan ) reporting since it has been closed. I have tried XXXX disputes and they refuse to remove this negative reporting from my account in the months on XX/XX/XXXX and XX/XX/XXXX, even though the document shows they University reported to the Credit Agencies that the loan was paid off XX/XX/XXXX.
Product: Student loan

I have been working with Mohela for a year after my loans transferred for fed loans. I have been told very different things every time i call. For the first 6 months i was told my public service loan forgiveness employer certifications would transfer from fed loan. Then i was told it was lost. Then i was told it was on me and i should have recertified. Then i was told the paperwork i did submit was sufficient. Then i was told it wasnt. Then it was. Then it wasnt. Then it was and it was approved in XX/XX/2023 and they still havent updated my payment count.