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

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2024 ] **JPMCB Card Services** [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!! 

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Student loan

My sister and I opened loans at the same time. XXXX XXXX ( now serviced by Navient ) messed these up in their system. My sister has a loan that showed up in my account and on my credit report, but does not have my name on it. I have a loan that showed up on her account, but never showed up in mine. It was paid by her for years before Navient caught and fixed this error, and this loan shows up on her credit report. This loan does not have her name on it, but Navient denies that anything has changed on our accounts, even though we are fully aware of the changes that have happened within our individual logins. My loans are for XXXX, my sister 's loans are for XXXX. Navient has so far denied any errors or mistakes, and this is not the first time we have needed to go to them to try and sort out our accounts. We now have no confidence in what they are telling us and we need help sorting this out. The loan in question was paid by the wrong person forever, due to Navient 's error. They have denied anything is wrong. I have attached my bank payments over the last year showing that I have never paid the loan. Payments stopped in XXXX because this loan disappeared from my sister 's account, but there was no past due notice until XXXX when it showed up in my account. Navient 's system only showed the loan 17 days past due even though my account says XXXX. While I am the cosigner and student borrower on the loan, Navient has refused to give me any information on past payments of the loan, even though they have confirmed my name is on the loan. I am also attaching XXXX of my credit reports showing loan ending in XXXX with an original {$10000.00} balance which is not mine, yet is showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.
Product: Mortgage

I transfer my monthly mortgage payment manually every month with an extra principle payment on time ( document attached ). XX/XX/XXXX, 3 mortgage payments were automatically transferred along with 3 additional principle payments. Only 1 mortgage and 1 principle payment was authorized by me. The two additional mortgage and principle payments were withdrawn without consent by Axos bank. This large debit pushed my checking account into an overdrawn status. 

Multiple failed attempts to get their customer service on their provided number of XXXX have been unsuccessful. I have been put on hold for> 40 minutes at a time with an automatic disconnection terminating the call. This has been going on since XX/XX/XXXX. The only viable form of communication is through their internal messaging center with questions and solutions not being offered. ( copy of messages attached ). 

I filed a dispute with XXXX which they reimbursed the unauthorized funds to my account. One partial payment was automatically applied of {$2100.00} by Axos into a suspense balance which I have requested a refund for. To date I have not received it. This would bring my next payment due on XX/XX/XXXX. 

Today XX/XX/XXXX I got a past due notice form Axos. XXXX states this is a resolved case and I can not get any one from Axos on he phone to explain, correct, or to answer my internal message. 

I still have not gotten an answer why this happened or how to avoid it from happening again. I now have a past due status on my account that I have paid three months in advance. 

This is time consuming and frustrating. I do not want this to result in delinquency status on my credit. Please help
Product: Debt collection

Alleged Creditor ( finance company ) sold a debt to a third party company back in XX/XX/2018. The third party company sent me a letter making a claim that they will be servicing an account. The notice included : IMPORTANT NOTICE ABOUT YOUR RIGHTS : Unless you dispute this debt or any portion of it within thirty days after receipt of this letter, the law permits us to assume that the debt is valid. You may notify us that you dispute the debt or any portion of it in writing, or by  telephone. 
Within days of 7 days of this notice I sent an email, called, and mailed a letter request of debt validation under : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, Cease and Desist notice. Include within this letter I stated : If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent immediately. Do not contact me at my workplace for any reason as well as attempt to collect any debts on behalf of the Alleged Creditor that sold this debt until proof of debt has been validated. The Alleged Debt Collector did not nor can not legally prove a valid balance on the account still exists under penalty perjury. The third party company made several attempts to call me to collect payments and act on the behalf of a servicing company. Without notice the third party company has repossessed the vehicle from my workplace after the cease and desist notice was sent months ago. I have made several attempts to get my belongings from this vehicle and was denied by the repossession company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2020 I spent several hours in the emergency room at XXXX XXXX located in XXXX, XXXX with a XXXX XXXX issue. My bill was approximately {$6000.00} and my insurance deductible was {$1500.00}. I made several payments over the course of about XXXX year utilizing my XXXX XXXX Account. Like so many people during the last XXXX years, I got distracted with everything going on and neglected to pay the balance remaining of {$300.00} ( copy attached ) which has since been paid off. Over the last several days I have received numerous credit report alerts about derogatory information on my credit report, due to this balance. I have worked very hard to build a strong credit file, my score in early XXXX was XXXX and now has dropped to XXXX. I find it very harsh and disappointing to have a medical collection account for such a small amount have such a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and XXXX  of character along with 60 plus days of no response
Product: Debt collection

This is outdated, inaccurate and requested validation many times nothing received. Please help
Product: Money transfer, virtual currency, or money service

PNC is the first bank I have opened an account with, and anytime there was an issue they always seemed to make up for it in their excellent customer service. My Fianc and I both have PNC accounts, and he has had problems multiple times, as I see many before him have as well, of dissappearing funds on the Virtual Wallet leading to overdrafts. I had never had an issue with it, until now. Our 1 year Anniversary was XX/XX/XXXX. So, we decided to stay in a decent hotel for {$98.00}, plus a {$25.00} pet fee for our dog. We went to dinner ( spending {$22.00} ) and some cookies ( spending {$8.00} ). This was on XX/XX/2018. However, the charges remained pending until XX/XX/2018. The money seemed to already be taken from my account, so I thought nothing of it, and we bought lunch for {$40.00} and some retro candy for {$19.00} the next day. Those purchases were made XX/XX/XXXX, but they also remained pending until XX/XX/XXXX. Still, they seemed to be automatically taken out, so I thought nothing of it. I could keep going with purchases that were made in this process, but I would just be carrying on for ages, so I will get to the point. Purchases that were made on XX/XX/XXXX-XX/XX/XXXX, weren't actually charged until XX/XX/XXXX-XX/XX/XXXX. In the middle of all this, I received a XXXX of {$200.00} on XX/XX/XXXX, which now shows up as being received on XX/XX/XXXX. The pet fee, the dinner, the cookies, and the hotel were all extracted from that {$200.00} and it did not show that way until XX/XX/XXXX. We had gotten gas for {$10.00} on XX/XX/2018 that did not get removed from my balance until XX/XX/2018. I started the day with {$37.00}, spent roughly {$15.00} and now my account is overdrafted. What is even more upsetting, is the fact that I have a student account, so that should not have happened in the first place. I have called twice, once on XX/XX/2018 and again on XX/XX/XXXX. Both times, I was told to wait for a manger to call me back with in the hour, which never occurred. I have never overdrafted my account before and I always keep track of my balance after my purchases, so for this to happen is incredibly upsetting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking account with  Chase over three ye ars ago. My account had money taken out for taxes which zeroed it out on    XXXX   XXXX   XXXX  . I told Chase to close the account and I was told I had to wait to close it. I had automatic payments set up and they subsequently were presented before Chase would let me close the account. Chase has now charged additional fees for the automatic transactions and continues to charge my account fees and will not let me close it. Chase wants me to put more money into the account to cover the fees but still wo n't let me close the account if I do.
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon further review of my credit report, there appears to be XXXX hard inquiries on my report in which I did not authorize or give permission for, nor do I recognize them! 

NOT OF MY KNOWLEDGE OR AUTHORIZATION FACTUAL DATA XX/XX/XXXXXXXX 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

The XXXX Data Breach RUINED my credit and still effects me today because of the items listed and Credit obtained through the Breach and bad actors.
Product: Debt collection

Chase states : the charges are valid because they represent XXXX  cards. 

Fact : there was XXXX gift cards purchased on this account, leaving 100 % of what was purchased left unaccounted for. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In this case, just digital content was purchased. The deliveries would have been made to my email address. None of the documents establishing these deliveries occurred is private and privileged. It is my email address, and no one elses. Therefore, there is no reason that this is being withheld. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct XXXX XXXX XXXX like from another merchant, from the same site, was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.
Product: Debt collection

A received a call from a debt collection firm XXXX XXXXXXXX XXXX XXXXXXXX tel # XXXX XXXX XXXX. The call was inappropriately made to my work number. I was informed of a substantial debt ( {$11000.00} if I recall correctly ) that I was be accused of owing and asked how I want to arrange for payment. I said I don't believe I owe anything and do not recognize anything having to do with the debt. When I asked for who precisely I owed the debt to and for proof of the debt the individual who called me terminated the call. 

I believe XXXX XXXXXXXX XXXX XXXXXXXX violated the law by calling me at work, not investigating whether the debt was legitimate and not offering to provide proof of the debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Atlantic Bay is illegally and fraudulently not releasing money out of the suspense account that is more than my monthly payment. This is constructive theft as Atlantic Bay will not release money that is more than my mortgage and may be being done in unlawful retaliation for me doing a home loan modification.
Product: Mortgage

I have a mortgage with Loancare the loan servicer that took over the loan from XXXX XXXX. 

During my phone call on XX/XX/2021 with them I was told that my loan modification plan has been approved and that I shall receive a package to sign that would contain the loan modification terms lowering the interest rate with the unpaid balance amortized over the life of the loan. 

I called again on XX/XX/2021 and was told that I should wait till the first week in XXXX. 

Till today I have not receivied anything from them. 

I am trying to begin regular monthly payments after the forebearance plan ends at the end of this month and am concerned that Loancare has not followed up and responded. 

On their website my online account shows that my Loan Modification plan has been approved and states, " You should receive the approval within the next 7-10 business days. Please review these documents contact Customer Service if you have additional questions ''. This has been showing up online for three weeks. 

I have tried to call their service department but hear only recorded information without an option to speak to a live person. 

I would like to receive their documents to sign because I want to remain current on my loan from next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 transunion read my identity theft dispute letter and witnessed my police report. They ignored the laws of the FCRA 605B and 604 which is against the law. This company still reports this fraudulent account in my credit report even after showing them proof and informing them that this is legal to report fraudulent information on my report. The fraudulent account is XXXX XXXX XXXX Please remove this account
Product: Credit card or prepaid card

Dear Sir or Madame, Documentation was immediately sent to Capital One and merchant that {$2000.00} XXXX XXXX, 2022 purchase was made by mistake. 

Merchant will not communicate about resolving dispute. 

Capital One just sends me form letters ignoring the mistake and merchant 's refusal to communicate, with no apparent interest in protecting consumer rights. 

Capital One 's dispute personnel in the XXXX refuse to allow discussion with personnel with authority to fairly resolve the dispute, or acknowledge the facts. 

The Capital One dispute resolution process appears to be illusory. 

Thank you