23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Repeated harassing voice mails with veiled threats. Calling and harassing references. Call from district manager saying I should get a lawyer. In XXXX 2015 I had fallen behind because I was in the hospital 8 days with XXXX. I was getting calls while I was in the hospital. I later realized that I had agreed to insurance if such a situation arose. The manager never once mentioned this to me. 

I fully understand I have an obligation to pay this amount. I also understand that you can work with the lender to assist in this matter. My experience last year, convinced me that One Main uses this to encourage you to call but the agenda is to try and pressure and harass you until you make an immediate payment. I assume this strong arm tactic is used by this type of lender in an attempt to reduce the percentage of loan defaults. I also suspect based on the number and the harassing nature of the calls, it must be tied to an incentive bonus. However, it does n't excuse their tactics and excuse them from the fair loan practices that they are bound by. When a district manager leaves a call saying he has your file and your employer information and suggesting you call a lawyer was the last straw. I am sure they are well schooled on what constitutes a threat but that is a matter of legal semantics. A veiled threat is not the same as a direct threat, but their protocol does violate the process
Product: Debt collection

I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being National Credit Services. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to National Credit Services, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter.
Product: Debt collection

My home is being sold TODAY XX/XX/2017 AT XXXX ... .JP MORGAN CHASE purchased my mortgage I got behind on my mortgag they started foreclosure proceedings I then they came to a modification agreement with me and sent me a letter on 3 different occasions stating they withdrew the foreclosure complaint and to disregard the foreclosure papers then my loan was sold to XXXX I had to begin the modification all over meanwhile my foreclosure which has JP Morgan Chase as plaintiff continued despite the fact they said to disregard it because JP Morgan Chase led me to believe the foreclosure was withdrawn by them and TOLD ME TO DISREGARD COURT PROCEEDINGS I didnt appear in court JP Morgan was awarded judgement I have been trying to get JP Morgan Chase to stop the foreclosure since they are the only named plaintiff not realizing tmy new servicer XXXX was some how the one really moving ahead with the foreclosure sale so they should have been who I was working with but I did not know because JP Morgan Chase is the Plaintiff on all the court documents and XXXX never sent me any information that i requested they lied said they did offered proof of mailing which clearly shows only a XX/XX/XXXX mailing date and two letters stating they were researching the information I requested regarding my modification with XXXX and where the payments went and if they were honoring the modification instead they just stalled and used the fact that JP Morgan was the listed plaintiff and that I thought I was supposed to be working with them as a stalling tactic ... the fact I thought JP Morgan Chase was who I had to work with is evident in the amount of complaints I have filed with you against JP Morgan Chase
Product: Credit card or prepaid card

I called XXXX  Credit Card customer support on XX/XX/2018 to request a new card. We gained agreement on this resolution. 

At one point I had to speak with the Security Operations team  because I previously called in to put a voluntary freeze on the account. The customer service representative mentioned a " new account '' and I was alarmed. We gained agreement this process was about me getting a card rather than a new account. I wanted to use my existing account that was a good-standing, XXXX balance account on my credit statement I wanted to use and make sure it did not close. 

Full agreement was gained on the call I'd have a new card. 
Instead, the account was closed in error. 
I received a notice that was totally unrelated to the call asking for a new card on an account that has no balance or purchase disputes. The notice said, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question. '' This was unrelated to my request for a new card. This was also unrelated to the erroneous closure of my account, which was never agreed to. I specified that I wanted the card to make sure I could still use and enjoy my card. 

This mistake needs to be corrected. Calls to XXXX have resulted in requests for me to call back again and speak with a different department. I need the issue resolved. It has resulted in tangible negative impacts and risk to my credit, and thus my finances. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for the consumers privacy. Equifax and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information remains confidential. This is further supported by 15 USC 6801, which mandates financial institutions to respect customer privacy and secure their nonpublic personal information. The entity providing information to credit agencies is a financial institution under this statute.

Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. Equifax, XXXX, and the information provider do not have my written consent to share my information. I revoke any previous consent, whether verbal, non-verbal, written, implied, or otherwise. 

15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. The information provider never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in reports if it dates back more than seven years, except for criminal convictions. This adverse account, reported without my permission, is illegal.

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no person should furnish information to a consumer reporting agency if they know or suspect it is inaccurate. Moreover, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violating Section 1681c and to restrict the furnishing of consumer reports to authorized purposes. Equifax and XXXX are failing in this regard. 

Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am choosing to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

This evening, I noticed some incorrect entries on my credit report and Im baffled as to why they are there. When I checked my report as usual, I found unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive sent to ensure this never happens again.
Product: Credit card or prepaid card

I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX. 

I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}. 

I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see uploaded documents. Select Portfolio Services ( SPS ) is giving false information to XXXX  by reporting an account in my credit report as derogatory that is older than 7 years from the date that it FIRST and ONLY time became delinquent ( XX/XX/XXXX ) Please see uploaded supporting documentation. Motion presented BY SPS on XX/XX/XXXX to US Bankruptcy Court of PR case XXXX. Here SPS clearly told the court that the mortgage debt was 71 payments in arrears from XX/XX/XXXX. Therefore 71 months minus XXXX XXXX will give you a date of delinquency of XXXX XXXX, not XX/XX/XXXX as SPS had FALSELY stated to XXXX. Therefore SPS has to remove this account from ALL credit reports and STOP PERMANENTLY from further reporting this account as derogatory on ALL credit report agencies. SPS is in violation of 15USC section 605 ( 4 ). Please order SPS to remove this account from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with Experian and XXXX XXXX not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 reporting or other personal consumer reports

I noticed SBNASELFLNDR and Experian furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishing is illegal and bearing on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Thank you for removing the address But the name you report is wrong You Equifax state you need Identification, You were sent copies of offical goverment documentation 2, I D s Drivers lic and conseal carry lic both have correct name spelling not what you report that is the only way my name is used I can show proof that you received the ID s and now you seem to be stalling with the statement you made .CFPB please send copy of case XXXX My case there response and my response back this should not take any time to fix seeing you have the documents this is a clear violation of false reporting
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made a wire transfer through my CHASE BANK app. I transferred {$380.00} ( XXXX GBP ) to a XXXX bank account and I received a confirmation from CHASE BANK saying that the transfer was completed and the recipient should receive the money within 2-5 business days. 

Since the money was not received by the recipient, I made an inquiry to CHASE on XX/XX/2022, to find out what had happened to the wire transfer and if the money was on its way to the XXXX bank account. 
On the same date, I received a secure message through the CHASE BANK app saying that the wire transfer was not successful and that the money was not delivered to the recipient. CHASE stated that the reason why the transfer was not completed was that the information of the recipient was not complete. 
The secure message stated that the funds were going to be returned to my account within 3 to 5 business days. 

On XX/XX/2022 I contacted CHASE BANK through secure messages on the Mobile bank app because the funds ( {$380.00} ) were never returned to my account. CHASE answered back on XX/XX/2022 stating they did not have the money at their disposal and that they were working with the banks in chain to return the funds as soon as possible. 

On XX/XX/XXXX I contacted CHASE BANK again since I did not have any answer about the money. They answered me back stating that they tried to retrieve the money several times but it was not possible and that I should contact the bank in the XXXX and settle the matter on my own and that the case was closed. 

After this, I have tried to contact them at least once a week asking for a supervisor and for the escalation of my case. The response from CHASE BANK is always that they acknowledge my case and the request for escalation and a supervisor, and that I should be contacted in the following days. However, I have never been contacted. 

I have tried to go to several branches in XXXX XXXX XXXXXXXX, tried calling different customer service numbers, and tried to share my case on social media. The only response that I've gotten so far is that I should send a secure message through the CHASE BANK app and wait for a response. 

I do not know what else do to. CHASE BANK has held {$380.00} from my account since XX/XX/XXXX and nobody has been able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX  Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 reporting, credit repair services, or other personal consumer reports

I've made several phone calls, and filed several complaints with the CFPD disputing Inaccurate Names and Addresses on my Experian Credit Report with no success. I have provided documents mailed to me by Experian and creditors with my current address and correct legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Vehicle loan or lease

My loan was paid off from the car dealership. I paid the balance in full. Months later I received a bill for more payments. Now they have charged this off on my credit report. I told them it was paid off and they show it paid off. Please help no one cares at this company.
Product: Credit reporting or other personal consumer reports

Transunion has XXXX unauthorized and recognizable inquiries on my consumer report that has been cause significant damage to me and my family. Please remove these inquiries immediately!
Product: Vehicle loan or lease

I, sent certified mail to the following addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as most recent transaction was accepted and then rejected on XX/XX/XXXX. 
While also receiving a call from collection representative stating I am 23 days late on my payment. 

The amount I was charged was XXXX XXXX for a used vehicle and I am the original creditor.
Product: Credit card or prepaid card

I have my credit cards with SST for years in good standing, suddenly they told me my account were closed without explanation. They changed everything from credit to no credit, from account numbers, how to pay bills. Paying online is subject to be charged fees from {$5.00} to whatever they want. I feel these practices are not fair to the customers. They even changed website to get online, which I got warning from security indicating the unsafe location of its website. I hope something can be done to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and Equifax. The accounts in question are XXXX XXXXXXXX account number XXXX ( XXXX ), Capital XXXX account number XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute. 

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.
Product: Student loan

My loan is being servied through Navient and i beleive that they have used predatory lending practices towards me