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

Concerning my Chase Credit Card They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my chase account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) Chase card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XX/XX/XXXX and was in effect until XX/XX/XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to chase credit card services on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has Chase chosen not to respond, it is also past the 30-day period legally for them to do so. On top of that XXXX, XXXX, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO CHASE XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX
Product: Money transfer, virtual currency, or money service

An account holder with JP Morgan Chase bank at XXXX XXXX XXXX XXXX in XXXX, Ca using a scam that included fake identity, fake documents and stolen leterheads representing and pretending to be a claims manager ( XXXX XXXX ) for a real bank in the XXXX ( XXXX XXXX ) received a wire from my business in the amount of {$50000.00} on XX/XX/2020. Upon recognizing this scam I immediately went to my bank where the wire was sent and tried stopping the funds as they alerted Chase bank that it was fraud and that the wire should be stopped immediately and also investigated. This was all done within 24 hours of the sent wire on XX/XX/XXXX. Not only did Chase not investigate this transaction, they waited almost 2 days before they even tried to stop this. Nobody at Chase bank wanted to help me or speak to me and I was transferred 4-5 times and was finally told that they would only speak with someone from my bank. Chase finally responded to my bank that their account holder ( XXXX XXXX account # XXXX XXXX took my wire money several minutes after it was sent and there was 'nothing ' they could do. I filed this with my local FBI bureau and local police. I believe Chase has a responsibility to investigate fraud and suspicious criminal activity and return this money since they and most all banks have some type of fraud insurance. Their response to this was unacceptable as they gave favor to their fraud account holder and offered no help for the victim. I have tried numerous times to contact the fraudsters but they now refuse to communicate since they have my money
Product: Student loan

On XX/XX/2022 I applied as was approved for and signed for a loan. At this point, the loan was sent to my school ( XXXX ) for certification ( email attached ) In XX/XX/2022 CommonBond exited the student loan industry. I was concerned that my loan would not be funded given the rising interest rate environment. On XX/XX/2022 I reached out to the company to ensure my loan would be funded. On XX/XX/2022 the company affirmed that since the loan was approved pre-exit it would be funded as soon as my school certified the loan ( email attached ) On XX/XX/2022 my cost of tuition was certified by my school and and I received a " Welcome to the Family '' email from Commonbond ( emails attached ). 

However, upon trying to access my documents on the CommonBond website, I am taken to a page stating they are no longer providing student loans with a link to a partner. 

I reached out to CommonBond for clarification and they not state they are no longer able to disburse my loan even though my school has disbursement dates confirmed in their system ( emails attached ). 

I believe this violates UDAAP regulations as it will cause me substantial harm without funding and with potentially higher costs, I forwent rate shopping based on their approval and more importantly the explicit promise of disbursement, and I was not reasonably able to avoid these injuries due to their assurances
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report and dispute for the fraudulent collection on my Equifax report. It is still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX amount past due Asked for removal from credit profile as it is too old Not removed
Product: Credit card

There is a company named XXXX, who I paid to make me a set of veneers. The company repeated asked for me to purchase more product from them in order to make an impression that they would use to make the veeners. After making two impressions, the company asked me to purchase a third impression kit. 
I decided that it wasn't a good idea to keep purchasing an impression kit just for XXXX to claim that the impression wasn't good enough to use to make the veneers. 
I requested a refund from XXXX and they seemingly were going to send the refund but later decided against it. Therefore, I contacted Chase bank, who issued a temporary credit pending investigation. On XX/XX/XXXX, I contacted Chase due to an unexpected reversal of the charge. I asked them why had they reversed it and they stated that the company stated that I received the product. I explained to them the process of the company, in which I had to send XXXX $ upfront to start the process. After they received payment, they sent an impression kit. I followed the instructions on the compression kit and submitted the photos to the company and the company told me that I needed to purchase another impression kit. I did. I submitted photos the second kit and the company told me to purchase ANOTHER kit and I refused, believing that I was being scammed. Chase sided with the company, claiming that I stated the product. I never received the end result, which was supposed to be veneers. Chase initially said that they would not reopen the claim. After which, I went to the branch and submitted additional documentation including emails that proved that I'd not received the final product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. Equifax has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.Equifax reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.
Product: Credit reporting or other personal consumer reports

The reported balance and collection status on this account are inaccurate. Per a court ruling, I complied with the terms set by the judge regarding my tenancy at XXXX at XXXX. As part of that agreement, I was required to vacate the premises by a specific date, and upon compliance, I was not to have an eviction on my record, nor would I owe a balance to the landlord or collection agency. Despite fulfilling my obligations, Genesis Credit Management is inaccurately reporting this account, which is misleading and negatively impacting my credit. 

This account is being inaccurately reported as a collection, which violates the Fair Credit Reporting Act ( FCRA ). The account stems from an unlawful detainer case ( XXXX XXXX. XXXX ) filed by XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, a stipulated judgment was reached, and the case was closed. Per the terms of the agreement, I complied fully, vacated the premises as required, and no further financial obligations were to be pursued. Despite my compliance, Genesis Credit Management has erroneously reported this account as an outstanding balance in collections. 

Additionally, the judgment expiration date is XXXXXXXX but there was no court-ordered obligation for a balance to be collected beyond what was settled in the stipulation.
Product: Debt collection

XXXX XXXX XXXX - $ {$2400.00} First Reported XX/XX/2019 Original Creditor-CITIBANK N.A. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX   XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR CITI BANK AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York XXXX Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Product: Money transfer, virtual currency, or money service

I zelled a business owner for a service that was suppose to be provided so I called my bank to refund the Zelle and they denied it after letting them know services were not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has been reporting this account since 2017. I have made several disputes to DELETE account due to inaccurate information. 
Discover has been reporting inaccurate information since 2017 and refused to delete from my credit after many attempts. 
Discover also refuses to provide original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/Nelnet opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company XXXX XXXX was transformed into XXXX. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XX/XX/XXXX and XX/XX/XXXX which means it was still in affect during XX/XX/XXXX when XXXX reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company XXXX XXXX was transformed into XXXX. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XX/XX/XXXX and XX/XX/XXXX which means it was still in affect during XX/XX/XXXX when XXXX reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX  and Experian credit reports to XXXX XXXX Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since XXXX has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXXXXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit card or prepaid card

XX/XX/2019 made an online XXXX purchase, receiving a 12 month same as cash thru Comenity Capital Bank. So I thought until I received my invoice. After a year of going back and fourth with XXXX, Comenity Bank and XXXX, the bank is refusing to honor the special financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and found that XXXX  is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, Elan Financial Services had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). ( Security finance : XX/XX/2021 ). ( XXXX XXXX : XXXX XXXX ). ( XXXX XXXXXXXX XXXX  : XXXX ). XXXX XXXX : XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Providian National bank have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XX/XX/XXXXthey began more legal action to get the judgment amount. The wage garnishment started XX/XX/XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up ( its up to {$6200.00} ) currently  because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost 10years. These  garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
Product: Mortgage

We were refinancing our house with Union Bank in XXXX. We received approval of the loan - then the bank decided to add another point to the loan after approval. The loan had taken six weeks to process when I asked what was taking so long and why they added a point after approving the loan. They finally said they had decided to cancel the loan.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I XXXX  also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XX/XX/2023 :