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

XXXXXXXX XXXX XXXXXXXX account number # XXXX / TransUnion Credit Report 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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, Duty ; a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROMIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you ( XXXXXXXX XXXX XXXXXXXX ) are a furnisher of Information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( B ) Reporting information after notice and confirmation of errors information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
This company has caused me and my family severe harm due to fear, negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account
Product: Credit reporting or other personal consumer reports

there are some accounts on my file, I am not recognizing, I asked equifax to verify them. They arent verifying them, Equifax claims that they are. I have sent them multiple letters about the same issue.
Product: Mortgage

Company response has been non-responsive. Pretending no errors were made and covering up their culpability. Banks must not be allowed to quit all their service obligations and subsequently double-charge annual service fees as their tithing rights over hapless consumers. Banks and lenders must be required to provide accurate monthly statements, reverse obvious errors and dis-allowed from padding loan principal amounts from mysterious fund sources ( not ours ) to game up the daily interest accrual. They absolutely can not be allowed to charge two annual fees the same year. That violates the written loan agreement and appears to be a criminal act.
Product: Debt collection

I tried to solve this issue but the bank has insulated itself making it unreachable.

I never opted for paperless statements and Synchrony Bank Chose to act unilaterally and without my consent.

The bank also charged a delinquency fee and hurt my credit report on a debt that I never generated and that I did not owe. 

The bank never called me or made any attempt top contact me regarding this debt. 
I never used the card to begin with and the charges appear fraudulent or it was billed without my approval or consent. 

I was charged for a movie pf XXXX that I never authorized ....
Product: Debt collection

Chase, on my credit report listed as JPMCB closed an old credit card around XXXX. In XXXX, the card was reopened, and I began to get auto-debited monthly for about {$65.00}. However, I was never notified of the account being reopened, did not have any knowledge nor did Chase/JPMCB have my consent. Since then, I have been auto-debited approximately {$65.00} for about 12 months, and they have flagged the account as 150 days past due ( as of XX/XX/XXXX. ), without even stating how much was owed. I filed a complaint with the XXXX  stating what I am stating in this complaint, and Chase/JPMCB falsely stated that this issue was resolved over the phone with me on XX/XX/XXXX. However, no such phone ever, or has taken place. I have never received any communication from Chase/JPMCB... not a letter, not an email, not a text or a phone call to state the amount owed, however, they continue to flag my credit report. I have no way of validating this ... .I have no account number or credit card number to inquire with, and Chase/JPMCB never validated the information along with an amount owed. This is completely a deceptive and abusive practice by the company, and my credit report remains at great risk because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Product: Vehicle loan or lease

I paid off an auto loan of {$40000.00} on XX/XX/year>. I was told the lien would be released in ten business days at the branch the day I paid off the loan. I borrowed money from a family member to pay the car off since I needed the money from the automobile sale to keep my house from being foreclosed upon. The car 's value is between {$85000.00} and {$90000.00}. Vystar Credit Union still has not released the lien and after speaking with their customer service this morning I found that I was lied to on the two previous calls I'd made asking about the lien release. On both calls I was assured that the lien was released and that the problem was with the Florida Department of Motor Vehicles. I've spent two hours attempting to uncover the truth ; the DMV assured me that Vystar had not released the lien. After speaking to Vystar customer service on XX/XX/year> and giving them the evidence the DMV had provided, the Vystar rep finally admitted the lien had not been released and gave no explanation as to why, only the problem would be escalated. My home will be in foreclosure on XX/XX/year>. It is criminal that Vystar is allowed to do good, hard-working people this way. They harmed me and my family. After demanding an explanation at my local Vystar branch, the rep alluded that if I didn't calm down, she would recommend that my account be closed at the credit union. So, it's we're at fault ( Vystar ), but if you continue to question what happened, we are going to close your account. Vystar will probably terminate me as a customer over this complaint, but what they are doing isn't ethical or right.
Product: Credit reporting or other personal consumer reports

I made a payment in XXXX before I was laid off from my job and looking for a new one and notified the bank that I may fall behind a month while I was switching jobs. Switching jobs took me two months. They refuse to make it financially possible for me to catch up and even denied allowing me to make a payment at one time. Also denied me the opportunity for settlement when I asked them about that. I have also requested validation of this debt such as identifying factors and all customer service fraud department and other call request from me as from XXXX to XXXX I called Bank of America probably over 20 times and Was More than one occasion outsourced to a different countries call center who demanded me to give them my credit card number and my Social Security so I disconnected. Months later, I was able to finally reach somebody in XXXX. Still just demanded that I paid the full balance And insisted that was all they could do for me, even though my credit information was at stake due to them outsourcing Their Work. I have made about four payments on this credit card in the past six months. They close the account in XXXX. And I didnt know it until close to XXXX. And in XX/XX/XXXX They notified me via email that they would be closing the account soon if I didnt pay everything in full by the last day of the month. This is fraud. I am a single mother, and I have worked very hard on my credit. Bank of America credit card Is a scam. I have verbally requested validation of the debt at least four times. Two times through the credit bureau and twice over the phone the last time being about two months ago. Never received correspondence and had verified my contact information
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. Please help me correct the account : XXXX XXXX XXXX Balance : {$280.00}.
Product: Student loan

On Friday, XX/XX/XXXX, I was informed in an email that all loans serviced by Nelnet would be automatically opted in to electronic notifications, and that if I did not wish for this to happen, I would need to opt out of paperless billing on XX/XX/XXXX. I went to the Nelnet website to opt-out and there were no options to opt out, but under the Manage Paperless tab there was an option to opt in.

I then went to the email which provided a link to the area to presumably opt out of paperless billing. However, this only took me to the Manage Paperless tab where I had the opportunity to opt in to paperless billing. 

I then emailed my concern to Nelnet. On the morning of XX/XX/XXXX, I received a reply thanking me for my email and saying it would be added to a database of suggestions to improve Nelnet services. In response, I once again searched the Nelnet web page ( including the Manage Paperless tab ) in order to opt-out of paperless billing, and once again the only option allowed me to opt in to paperless billing. 

Nelnet plans to implement this on XX/XX/XXXX. Their notice requirements fail to meet federal regulations, and thousands of borrowers who prefer paper statements will be opted in to Paperless Billing as a result of their actions.
Product: Credit card

On XXXX XXXX, 2016 I received a PayPal Credit Card Statement in the mail reflecting a balance of {$100.00} of which {$64.00} were late fees. That evening I called PayPal Credit to understand 1. how this account was opened up, since I never authorized it in the first place and 2. what transaction may have triggered the open of this credit card account. I spoke w/ 6 different PayPal individuals that evening. In summary there was a {$43.00} online transaction in XXXX 2016 which I do take accountability for where I selected the " PayPal '' icon as I would with any online PayPal transaction. Individuals I spoke with said I was " auto enrolled '' in the PayPal Credit Card via that {$43.00} transaction. I have had a regular PayPal account for years which is directly linked to my bank 's checking and credit card account. The PayPal Credit Card account noted above is not linked to my existing PayPal account. In summary, my complaint is that I NEVER authorized the opening of this PayPal Credit Card which currently has {$64.00} in late charges and the attached Statement is the only document I ever received from them. In addition PayPal stated if I do n't pay the ( {$64.00} ) in late fees on a credit card account I NEVER authorized, they would report my non payment of the late fees to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, XXXX, and Transunion must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.
Product: Bank account or service

I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!
Product: Student loan

XX/XX/XXXX - contacted Premier Student Loan Center to consolidate my student loans and participate in the Public Service Loan Forgiveness Act,  as I was working for a nonprofit XXXX. My federal loans were consolidated at this time and my payment was reduced significantly. 
XX/XX/XXXX - XXXX XXXX XXXX reached out to have me recertify for Public Service Loan Forgiveness ( PSLF ). I filled out the employment certification form and returned it. 
XX/XX/XXXX - Premier Student Loan Center reached out asking me to recertify again, this time requiring recent pay stubs and most recent federal tax return, which I provided. 
XX/XX/XXXX Received email from XXXX informing me that my payment would be increasing from ~ $ XXXX/month to $ XXXX/month. I then called XXXX to discuss this increase and was informed that when I consolidated my loans through Premier Student Loan Center, I was able to get such a low monthly payment because they had claimed 5 dependents on my behalf ( I have zero dependents. ) I placed my loans in forebearance for two months while sorting this out and now have an adequate repayment plan through XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : Formal Complaint Regarding Inaccurate Payment History Reporting Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an issue with inaccurate payment history reporting on my credit reports by the credit bureaus. The inaccurate information significantly misrepresents my credit profile and is causing unwarranted harm to my credit score. 

These inaccuracies constitute violations of several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation upon notification of a dispute.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or incomplete information to consumer reporting agencies. 
I have already disputed these inaccuracies directly with the credit bureaus, but they continue to report multiple late payments that I have never made. These errors must be corrected immediately to accurately reflect my true payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and XXXX credit reports. It also never showed up on equifax.
Product: Money transfers

I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX submitted a hard inquiry on my transunion credit report today, XX/XX/2021. I did not authorize them to check my credit, nor did I inquire about a car. They sent me a text message advising that I did. I advised that I did not. They stated that they had my info as part of a lead system. I did inquire about a car 2 years ago at which time they checked my credit. This hard inquiry is unwarranted and I want it removed from my credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX Please cease the reporting and delete this account
Product: Debt collection

They have continuously called my work after speaking to them and asking them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

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: Vehicle loan or lease

I took a loan from Toyota Financial Services I set my loan up for the payment to be automatically withdrawn from my checking account. When I was setting it up a late fee was put on the loan. In XX/XX/year> i was told that any payments over the amount due would be applied to the principal of the loan. I am coming to the end of the loan and I noticed the late fee is not being applied to the loan. Toyota is just taking the money. I have attached XXXX and XXXX 's Billing statements. You can see the late fee is not being applied to the loan.
Product: Debt collection

XXXX was contracted by Jefferson Capital to collect on a debt originally owned by XXXX XXXX XXXX. XXXX & I came to a settlement amount of {$2600.00}. This was in XX/XX/2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to XXXX and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to XXXX to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. XXXX then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet XXXX denies this despite the check being clearly stamped " XXXX for deposit only '' ( which XXXX provided me with a company ). To this date, I have not heard from XXXX or Jefferson.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax in XXXX 0f 2020 due to my score dropping XXXX points. XXXX XXXX made a comment on my report which was not derogatory at the time because i was selling my mobile home. I contacted them and they removed the comment and equifax never put my score back. They use the same sytem as XXXX at which I have an XXXX credit score. The case number back then was XXXX. I tried to talk to someone today and they're response is they just report it.