23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was arrested and was incarcerated for 5 months from XX/XX/XXXX thru XX/XX/XXXX and while incarcerated someone stole debit card along with drivers license, social security card, birth certificate and other personal documents. I was not made aware of missing items until released from jail in XX/XX/XXXX. I reported unauthorized charges to chase and was told ATM transactions couldn't be reported because pin was used but only few transactions I reported were actually added to claim. I had faxed proof of my incarceration 7 different occasions ( XXXX, XX/XX/XXXX ) ; twice from branch XXXX at one chase branch with confirmation and XXXX more times from a different chase branch again with confirmation. Chase claims never allegedly received anything so shipped overnight and finally received but denied documents due to not clearly showing exact dates incarcerated. In meantime, claims denied for different unknown reasons and none of which was explained after multiple phone calls. And transactions I have reported still not being included in claims filed, causing more claims having to be filed. Once I was told new documents needed to state from date arrested to release date, I faxed documents that plainly stated exact dates in custody on XX/XX/XXXX. As of yesterday XXXX I still had to file 2 more claims to include charges that were not included in any previous claims but have been reported at least 5 other phone calls with Chase claims. I have 20+ hours on phone with Chase claims and been told conflicted things with each call. And claims still are being denied after I was told the 60 day liability no longer applied to my case due to extenuating circumstances and an exception was made for all claims and charges. And claims reasserted with exemption now included to give 3-5 days for update. When I call 3-5 days later, nothing has been done or anything the previous claims specialist has told me was being done is not entered in system, having to again go over issues and told same thing is being done and give them 3-5 days. My claims are still being denied and this has been 3 months I've been trying to recover funds that I have reported with every phone call all charges from XX/XX/XXXX thru XX/XX/XXXX as fraudulent yet chase claims fails to properly document or handle this issue. I have all documents sent to claims and have only been credited {$3200.00} with remaining balance of {$7900.00} unpaid from fraudulent transactions filed in claims. And no closer to a resolve than when initially started process back in XXXX XXXX.
Product: Debt or credit management

Complaint Regarding Inaccurate Information Reported by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified the company that the information reported was inaccurate and false
Product: Credit reporting, credit repair services, or other personal consumer reports

The Law office of XXXX XXXX, {$1200.00} and another the law of office of XXXX XXXX {$1200.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I discovered that I had 11 accounts on my credit reports that were fraudulent. I filed with the FTC identity theft website and sent the report to each of the Credit Reporting agencies along with my identity documents, address proof and letter requesting the information that was fraudulent be blocked from reporting. Both XXXX and XXXX blocked the information within 72 hours  as required under the FCRA. Equifax has refused. The latest reason is that my identity documents are blurry. I have resent these by post and a resolution has still not occurred.
Product: Debt collection

Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10
Product: Debt collection

My recent credit report is showing a collection from Jefferson Capital System XXXX, this debt collector gave me no time to dispute this debt, and I am requesting debt validation. In this debt validation I am asking for the original contract between myself and the original creditor with my signature stating that I agree to pay this creditor, proof that you have chain of title to collect on this debt, a detailed list of the history of payments as well. I am disputing owing any and all debt to this debt collector. Im also requesting to see the purchase agreement between the debt collector and the original creditor. My consumer rights are clealry being violated and this collection needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion didn't send me Mov ... They told me they got my information from the court that was a lie. I have Call and sent letter of proof. I ask them for proper documentation ( Mov ) call them. Call many times to delete my information. They didn't do everything the correct way. I call and check myself.
Product: Bank account or service

Chase closed XXXX of my accounts and stated they had a right to close any account for any reason or no reason. The funds from the account and fees assessed upon closure in the amount of {$370.00}, have never been received or cashed. Chase continued to assess fees to another account I had and I chose to close the relationship with Chase and closed the account at a bank branch on XX/XX/XXXX2016. See attachment. Afterwards Chase has continued to process transactions on the account and has assessed further fees in the amount of {$200.00}, in addition to the {$34.00} fee which caused me to close the account. See Attachments.
Product: Debt collection

I was charged by ACH on XX/XX/year> for an XXXX XXXX, which was odd because I had not returned or place any orders since I cancelled my XXXX  XXXX  several months ago. I contacted XXXX by telephone on XX/XX/year> and they could not tell me what this charge was for. I received the attached email communication from TRS Recovery Services on XX/XX/year>. I asked for more information and they could also not provide any details. I responded to XXXX via email on XX/XX/year> and I also submitted a complaint via www.trsrecoveryservices.com/information-dispute/ to TRS Recovery Services. To my knowledge, they did not respond in 30 days as they stated they would. 

I received the same email from TRS Recovery Systems today, XX/XX/year>. 

I had previously been an XXXX customer for over ten years and I have absolutely perfect credit. I am very afraid they have me mixed up and I will be negatively affected, especially because they have access and are erroneously using my ACH bank information. 

I have asked repeatedly for information and when it has not been given, I have stated to stop contacting me.
Product: Credit reporting or other personal consumer reports

This is my notice of liability and intent to sue. 
Since XXXX and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXXXXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove 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! 
-Debt bondage is focused on XXXXXXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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! 


XXXX XXXXC 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. 


EQUIFAX XXXX XXXX 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, credit repair services, or other personal consumer reports

My bday is XX/XX/XXXX. XXXX has it as XX/XX/XXXX. Ive sent numerous complaints to them & Experian & heard NOTHING back. Oddly enough, last year n XXXX I was an ID theft victim XXXX no doubt, my bday was listed as being on the XXXX then, too. XXXX, I filed my XXXX taxes with a XXXX from XXXX & everything went pretty much fine BUT this would DEFINITELY explain why I dont have credit history, despite paying off a car from XXXX XXXX XXXX XXXX that was financed in my name 2 years early & having the same cell # for XXXX years & not being late for one payment. Now, I cant change my DOB for some reason.
Product: Credit reporting or other personal consumer reports

RECENTLY I HAVE BEEN DEALING WITH A LOT OF XXXX  DUE TO MY EXPERIENCE OF BEING A VICTIM XXXX XXXX XXXX UNDER 605C. PLEASE SEE ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND HELP ME GET MY LIFE BACK AND REMOVE ALL FRAUDULENT ACTIVITY ON MY CREDIT FILE.
Product: Debt collection

I paid a debt collection off in amount of XXXX. File number XXXX. XX/XX/2018. The name of the company is NCC Business Services. NCC Business services refuse to remove the collections off of all of my three credit reports saying to me the credit burea has to do it. It is not fare to me. The collection has paid in full and remove the collection.
Product: Credit card or prepaid card

I wanted to dispute the transaction on XX/XX/XXXX with XXXX XXXX {$55.00}. When I called Compass Bank, the first lady ( XXXX ) I talked to barely spoke English and she did not understand my request and explanation. She pretended that she understood, but switched to the second lady, XXXX. She was same and had a communication problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I sent a letter to experian asking them to investigate XXXX. I asked experian to get XXXX to send the original contract of the loan with my signiture and experian failed to provide me with that information. Instead experian sent me dispute results saying item is updated with out any proof that an investigation was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian Credit membership # XXXXDuring 2019 I have substantially paid down my debt to the point my FICO went from XXXX to XXXX on my XX/XX/2019. Suddenly, even though my credit situation improved on XX/XX/2019 my FICO dropped 14 points, experian sent me 2 email alerting me my score drpped from XXXX to XXXX. I called for two ( 2 ) days the customer service required my SSN and as soon as I entered my SSN the call would drop. I called Corporate they hung up on me or sent me to customer service who would hang up. I explained I want to dispute a drop in my FICO but I have to know why it dropped the credit report still says excellent. Experian Credit reporting said 'we do not know why your FICO dropped it ' there is nothing we can do. This membership and this business 'RUINS ' a persons credit without any explanation. I want them to explain why they dropped the FICO ; I want a dispute process when the only dispute is randoming dumping FICO scores of people. This is not accurate to drop a FICO when debt is paid on time and there has been no change in financial situation. I move a lot for my job this makes it difficult to negotiate new apartments. I
Product: Vehicle loan or lease

We have been in contact with Nissan Motor Acceptance Corporation throughout the pandemic. Nissan gave us an " extension '' of two months due to economic problems due to Covid. Nissan also agreed to allow us to pay as we could. We made payments every month with a verbal assurance that as long as we made some payments we would be fine. However, without notice and against everything we had been told by Nissan, Nissan gave an order to repossess our car ( XX/XX/XXXX ), our car was taken that same day. Nissan had accepted a payment of {$150.00} on XX/XX/XXXX. We appealed and ask for help and clarification with no help. We have been without the car for over a month, car is used for work, and after many attempts we were told that although they could not return the car, Nissan would only send us an end of term balance ( we owed at the time the two months of " extension '' ). Nissan stated that this would not be reported as repossessed and would not hurt our credit score. The liability ( end of term ) statement is over {$3100.00} dollars, when we owed approximately {$720.00} to finish paying the lease. Nissan only offered to take {$200.00} dollars of, and {$80.00} for late fees.

Today I am told that Nissan did report this issue as a " involuntary repossession '' which will very much hurt our credit score, which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic, still we were able to make payments as we could, needing two months two finished the payments for the lease. There was no " extension '' from Nissan to pay for those two months. We offered to pay upfront the amount owed, but Nissan would not accept that payment and until today, ( XX/XX/XXXX ) are demanding for us to pay {$2800.00}, or else threatening to charge us whatever amount was left from the auction of the XXXX XXXX XXXX car that we had leased. Our complaint is the misinformation that Nissan has given us, the lack of honesty of Nissan in what 2 months " extension '' truly meant, their lack of consideration for our family by taking the car that we need for work, and their lack of accepting responsability for the damage they have caused us. We offered to pay {$1000.00} cash that we had saved, to pay what we honestly owed, and with the hope this would not affect our credit as Nissan had stated before. Nissan gave us false impression that we were ok as long as we made payments, which we did every month. Never did we think or were told that we were in danger of our car being repossessed. Still today, they keep demanding the impossible amount for us of {$2.00}, XXXX. We are lost and we need Nissan to stop trying to defend themselves with " this is the way it is '' as we are constantly told. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and TransUnion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Product: Credit card or prepaid card

I received an offer in the mail for a special offer on a credit card. The offer was mailed to my home with a web site link to apply as well as a telephone number. Upon logging into the website and also upon calling into the call center on XX/XX/2020 at XXXX XXXX, I spoke to XXXX XXXX ( XXXX XXXX Illinois ) and XXXX in Credit Card underwriting ( would not provide any additional information, employee number, or geographic location ) and they advised me that they are not able to let me apply jointly with my husband. We both have excellent credit, qualifying income, and maintain all of our accounts jointly, however, they told me that I would have to apply individually under the offer ( XXXX ) at XXXX. They said I could add my husband as an authorized user but not as a joint applicant. I believe I am entitled per regulations to apply jointly if that is the way that I prefer to submit my application so that all income and dual obligation is submitted initially. If I am not correct, I do apologize, however, my husband does work for a XXXX  and believes this may be a violation of regs.
Product: Credit reporting

The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.
Product: Debt collection

This complaint is for XXXX XXXX. They are a third party which has no affiliation to me what so ever. I did not go into contract with them, I also did not ask them to continue contacting me or report anything about me.
Product: Money transfer, virtual currency, or money service

I used the " E-Check '' service to pay my XXXX XXXX XXXX account with prepopulated information. Somehow the 3rd party, FIS who is contracted by XXXX XXXX XXXX to handle these payments caused an error. My payment was " returned '' and subsequently I got a notice stating that an other account ( with a name I am not familiar with ) had the payment bounce. My bank shows no record of even a payment being attempted. Now I have incurred a {$30.00} fee for a " returned payment '' when it was not even my account. It seems impossible to actually call or contact FIS at all. XXXX XXXX simply claims it is a {$30.00} fee because " our 3rd party charges it ''. 

There are several issues with this. XXXX, no payment attempt was made. 2. privacy issues have been breached with someone else 's account being mixed up with mine. 3. a {$30.00} fee charged to my account when there was never a payment attempt is a violation of Tennessee law and also a violation of UDAAP under Dodd-Frank. FIS has no reason to charge me a {$30.00} fee. It is ridiculous there is no way to resolve this.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.