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

Hello, This is in regards to JPMCB AUTO for an account for an auto loan. The account has since then been paid in full. After careful review, the account holder appears to be reporting an inaccuracy in payment history for XX/XX/2017. The payment was paid in full for the entire life of the loan. We called in to address the issue, the person we spoke with claimed to have the data and was happy to send it via mail but never sent anything to us. We later called back 6 weeks in XXXX and XXXX. The person on the phone told us since the account is closed, there is nothing they can do and they're unable to update the payment history. I asked to speak to someone else and or a manager, I was then advised a manager would personally call me back. No one ever contacted me. I believe this information to be inaccurate and is affecting my credit score. Please update the payment history to all 100 % payment history showing all on time payments. The account has since then been closed and has been paid in full. There is no reason to show a late payment any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not my account and I am a victim of identity theft and fraud. Please notify all credit bureaus and remove from all credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX  XXXX account shows discrepancies across all three credit bureaus ( XXXX, Experian, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and Experian ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute.

2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date.
The inaccurate reporting of late payments implies a failure to comply with this requirement.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports.

Last Day of Activity : Reported inconsistently between credit bureaus.

Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks.

Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time.

Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Experian.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Experian. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in XXXX to be removed. 

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! 

15 USC 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 XXXX XXXX before the payment due date. 

XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting

Experian refuses to remove inaccurate information from my report and they refuse to give me names of who investigated and how they did such investigations. They refuse to send me signed contracts and documents they have on file for me. I 've asked for this information multiple times. I have no knowledge or contracts with any of the said accounts : XXXX, XXXX, XXXX, XXXX, and XXXX. They are reporting XXXX amounts XXXX on my report
Product: Credit card

Acct closed under Chp XXXX bankruptcy in XXXX/XXXX/09 Bank of America.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 verifiedthat these items are being reported correctly? Who verified these items? 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 willful non-complying with the FCRA. 

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

Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX of XXXX NC )
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XX/XX/2019 saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX XXXX XXXX.Me my wife fell down got hurt.She fell XX/XX/2019 i XX/XX/2019 we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of XXXX refused to pay us any compensatation because we dont work for XXXX.That is XXXX law to keep working for same Company you get hurt at.XXXXt employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage MWR / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX and XXXX for XXXX XXXX but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XX/XX/2019 credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
Product: Debt collection

A few years ago I stopped paying my XXXX XXXX XXXX phone bill because my significant other stopped paying his half and I could n't afford to pay both. Eventually, I called and talked with a representative to see if I could make payments to pay it off ( since I was young and knew good credit is essential ). She told me I could n't make payments to them it would have to be the full amount and I expressed that I could n't afford it. So she asked me did I want her to go ahead and send it to a debt collector so that I could start making payment with them since that 's why I was calling in the first place and I replied yes. Months later I was contacted by a debt collecting agency. They sent me a letter in the mail I was n't surprised because this is what the representative told me would happen. So I called the number listed and we came up with a amount I could pay back and a payment plan where I pay {$75.00} until it was paid off which I did last year. I paid {$110.00} on XXXX/XXXX/15 and every month after that {$75.00} would automatically be taken out of my account. That was the agreement until it was completely paid off. Once it was paid in full ... .they stopped taking the money out of my account and I received my last letter from them saying it was paid and never heard anything about this debt again. Until recently I received another letter for the same exact debt which later popped up on my credit report. I still have a few letters from the debt company that contacted me and bank statements.
Product: Debt collection

This debt collection company placed an account on my consumer reports without notifying me. I was never given the opportunity to dispute the alleged debt and did not receive any information regarding the alleged debt in general. The debt collection company is in violation of the Fair Debt Collection Practices Act 15 USC 1692g and FCRA 15 USC 1681s-2. I want a certified receipt with my name and signature on it as proof that they sent notice to me in the mail regarding this debt. If they can not provide this information, I want them to remove the tradeline from all consumer reporting agencies immediately. You are damaging my reputation per 15 USC 1692d ( 1 ). I have also attached a debt validation letter to this complaint to answer to.
Product: Credit card

Under " start a new claim, '' I did not find a scenario that exactly matches my problem, so if I have chosen the wrong one, please forward it to the division that can resolve this issue. 

I previously had " loans '' ( virtual credit card ) with the company AFFIRM. I had purchased several different items and paid each of them off before their due dates using transfers from my checking account when making the payments. 
Long after my last purchase was paid off, I started getting debits to my checking account in various amounts at random times from AFFIRM. I contacted them, and they insisted they are not debiting my account, despite the fact that I can show them the debits listed on my account. My only recourse was for my bank to place a blanket " stop payment '' order on ANY debits from Affirm. The stop payment expired after a year, so I had to renew it a couple of months ago because it's STILL an ongoing issue. The biggest problem is that when the debit from AFFIRM hits my bank, the funds are actually removed from my account until the bank catches it, reverses the debit, and puts the money back into my account. 
I have repeatedly asked AFFIRM to research the issue and find a solution, but all they will say is " They aren't debiting my account, and I do not have an outstanding balance on my account with them. ". I asked if they can research through their records using my bank routing number and checking account number to see from where and why my account is being debited, and they insist they can not do that. 
It is my personal " theory '' that perhaps somewhere along the line there have been data entry mistakes and they are inadvertently debiting MY account for SOMEONE ELSE 'S loan ( s ). 
I do have screenshots of my bank balance showing many of the times they have debited or attempted to debit my checking account. It has been over {$800.00} worth of debits just in the past two-week period alone. 
I also have a screenshot of them basically telling me that there's nothing they can do to take it up with my bank. I will attach a few of those screenshots showing the attempted debit, the overdraft it created, the bank refunding those amounts back to my account, then AFFIRM debiting the account AGAIN. Sometimes for the same amounts, sometimes for various other random amounts. 
The point is that they should not be debiting my account for ANY amount, as I do not have a loan with them! Period. 
I think at least one of my AFFIRM account numbers for previous loan is XXXX
Product: Student loan

Because I am set up in this reduced interest rate program with Navient, what happened is, as they have been taking payments out of my account and applying it, but I do n't know exactly how its being dispersed to all my loans, and because I 'm set up with auto-pay, I have never had any control over it. I just pay my monthly amount and they are supposed to apply it to my loan amounts accordingly. The website does n't have any detailed situation information and I have never gotten a document. All I know is that I owe XXXX a month and they automatically deduct it from my bank account and apply it to my loan. However, since we set up this payment plan, they have n't been applying enough money towards XXXX of my loans, and too much towards another loan. They have been calling 3-4 times a day during the week and weekends and sometimes late in the evening. I was confused because I had been making payments but because departments do n't seem to communicate very well at Navient, I was left with having to explain the program I was in to then get the response 'oh, yeah you are all caught up with payments, apologies we did n't see that. ' But now I have just discovered that they have n't been applying my payment properly, therefore we got dinged on our reports ( my and my cosigners ) which is really a major score drop. This not being the only quirky thing I have been dealing with, I believe Navient needs to be regulated because they clearly can not handle their customers money.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 16 USC 1691 States I have a right to privacy. 16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Mortgage

XX/XX/XXXX I faxed and mailed my XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX M & T Bank, Mortgage Court, Tax Dept, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I received a letter from M & T stating that they paid property taxes on my tax exemption property despite of receiving my property exemption Letter. I also received a letter from M & T Bank stating they have adjusted my tax line, but it did not reflect the correct line to eliminate my property taxes. 
XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX, XXXX XXXX M & T Bank, requesting my XXXX tax refund of {$3200.00}, and to adjust my tax line correctly. I did receive a call from XXXX XXXX XXXX M & T Bank but no results. 
XX/XX/XXXX I sent a second certified letter to the CEO of M & T Bank, letting him know I have no results. Now I am being completed ignored.
Product: Student loan

I received my student loans from Navient ( formerly XXXX XXXX ) between XXXX to XXXX. I am trying to obtain records because Navient did not report to the National Student Loan Database accurate payments I've made between XX/XX/XXXX to XX/XX/XXXX. When I called Navient, they claimed that my loans been over 10 years and they don't keep histories of loans for more than 10 years. They said it's been consolidated in XX/XX/XXXX therefore, the new servicing agency should have all my payment histories. I called XXXX  and they denied that claim. They sent me all my payment history from XX/XX/XXXX to XXXX which is the time frame of when I was with XXXX. 

The problem is, while I was making payments on both federal loans and private student loan ( which I paid off the private student loan from XXXX XXXX in XX/XX/XXXX ), there are no histories of any of that on the National Student Loan Database. Due to the PSLF Waiver program, I should have received payment credits from XX/XX/XXXX to XX/XX/XXXX since I've worked in at qualifying employer, but I have not gotten credit for any of that because Navient did NOT report my payment histories during that time frame. I can't even find my private student loan on the National Student Loans Database because it didn't report that. Navient has been scheming students and parents and now I can't qualify for the waiver because even Department of Education don't even have records of it on their Master logs because Navient have not provided records of it. When u called Navient, they simply just turned me over and told me they don't have records of my record anymore. I have a 1098 tax form that showed I've payed student loan interests in XXXX, XXXX and XXXX from XXXX XXXX. How can they not record any of my payments, but issue a 1098 form for all those years???!
Product: Mortgage

We build a house last year and moved in at the end of XXXX. Fast forward to XXXX when we get a letter from XXXX XXXX XXXX that our escrow payment would be going up by {$350.00} a month beginning in XXXX due to a {$4200.00} shortage in our escrow account. I called them on XXXX XXXX, XXXX to see what happened because I found it hard to believe that someone grossly miscalculated our escrow amount at closing by over {$4000.00}. I spoke with a woman who looked into it and noticed that our water tax and county tax were listed as they exact same amount : {$2900.00}. She said there was no way that those two were exactly the same and she put me on hold so she could get with a manager. She came back and said whoever did our escrow analysis made a mistake and she requested a re-analysis be done. She advised me not to make our XXXX payment as the numbers would completely change when they completed the re-analysis. After that, I called weekly to get an update as I saw the analysis had not been redone. I was always told it would be done by the end of the week. I was even told once that I needed to get a water tax statement so they could update it. I then called both our XXXX District and the XXXX County Tax Office and they both informed me that since our house has not been appraised by the county yet, that no XXXX tax documents had been sent out or even generated as they are waiting on the appraisal. This means that {$2900.00} didn't come from any official county documentation and it has not even been paid yet as there is nothing to pay. When I spoke with a supervisor XX/XX/XXXX, I was told the analysis had a close date of XX/XX/XXXX. XX/XX/XXXX comes around and still no analysis. I call again XX/XX/XXXX and speak to a supervisor once more. He lets me know that there was a note from XX/XX/XXXX saying they spoke with the county and that our house doesn't have a certified valuation for XXXX and that he was not sure why they hadn't done anything since they found that out. I have since found out from numerous mortgage brokers that they are not allowed to pad escrow when there are not official county tax documents to back that amount up. I get nowhere when I call these people. No one wants to take the initiative to fix my problem and I will not be stuck paying an extra {$350.00} a month due to their mistake and blatant disregard for general mortgage policies.
Product: Student loan

Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect balance on my home mortgage at XXXXXXXX XXXX was reported to XXXX and my credit score decreased by 49 points on XX/XX/2020. I contacted XXXX and they corrected the error. XXXX received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

the loan was paid off but XXXX. and XXXX show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my report that i do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so. I am now providing an identity theft report ( will be attached to this complaint ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.