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

I currently lease a XXXX XXXX XXXX which is financed with JPMorgan Chase. 
I have had a perfect record of timely payment, until this past XX/XX/XXXX when I was notified that my payment was not received and a XXXX  day late payment was reported to the Credit Bureaus. My payments had always been via auto-payment. However in XXXX of XXXX, my bank account had been compromised and was had to close my business checking account with XXXX and open a new one. This subsequently halted all of my auto payments. I promptly reestablished auto payment for my lease with JPMORGAN Chase. I called to confirm with a customer service representative. For several months It appeared as though payments were not being drawn and I called again to confirm my auto payment was established. I also attempted to confirm on line. On or about XX/XX/XXXX I was sent an notification that my payment was past due in the amount of {$390.00}, I called the same day and provided the past due amount as well as the two remaining payments in full for my lease. I was advised that this was reported as a thirty day late. I attempted to discuss with JPMorgan Chase that I had confirmed the auto payment and they refused to acknowledge any wrongdoing or miscommunication on their part. As a result of this XXXX day last, my credit score went for a XXXX to XXXX approx.
Product: Debt collection

The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the Natural person, and pursuant to 15 USC 1681b - Permissible purposes of consumer reports and ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. 2 ) In accordance with the written instructions per the Consumer to whom it relates. US BANK, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all accounts as it relates, Immediately. I, XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account 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 21 days before the payment due date. 


XXXX XXXX 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 21 days 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: Checking or savings account

I opened a money market in XX/XX/XXXX and funded {$20000.00} into the account. I did not notice that they ordered checks for my money market account ( savings account ) and I took {$5000.00} from it as I thought it's from my checking account for 5 days and I re-deposited {$5000.00} into the account. As of now, I have maintained {$20000.00} balance in the account for almost 120 days and the bank refused to honor the {$200.00} bonus because the balance was less than {$20000.00} for the interim 5 days. According to their advertisement, I only need to keep {$20000.00} for at least 90 days following the account opening which I would be qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX, I sent a certified letter with return receipt to XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX MN XXXX as listed on my credit reports, disputing the entry ( see attached documentation ). I specifically requested that they investigate the account entry and provide me any and all documentation that reflects this account entry is 100 percent accurate including the charge-off date as well as the amount reported as owed. XXXXt received my dispute ( see attached return receipt ) on XXXX XXXX, XXXX. I received a letter from XXXX datedXX/XX/XXXX whereby they assured me that the information reported was accurate, but that they would also be sending additional documentation. To date, I have not received any correspondence and it 's been well over 45 days. It is almost at the 60 day mark and they are yet to respond. It appears to me that XXXX has no supporting documentation to substantiate this entry as 100 % accurate and verifiable and therefore, it should be deleted from my credit reports.
Product: Money transfer, virtual currency, or money service

Made a deposit to my Chase account on XX/XX/XXXX. The check was paid and cleared by the issuing bank on XX/XX/XXXX. I was then charged {$230.00} in overdraft fees on a cleared deposit of good funds.
Product: Credit reporting or other personal consumer reports

REF : Equifax XXXX and XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information.

As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Below is a list of the items I am disputing : Account Name : XXXX XX/XX/XXXX Account # XXXX Charge-off : XX/XX/year>2022 Account Name : XXXXXX/XX/XXXX Account XXXX XXXX Charge-off : XXXX/XXXX/2022 Account Name : XXXX XX/XX/XXXX Account # XXXX Charge-off : XX/XX/year>2022 Account Name : XX/XX/XXXXXXXX Account # XXXX Charge-off : XX/XX/scrub>/2022 Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/year>2022 Account Name : XX/XX/XXXX Account XXXX XXXX Charge-off : XX/XX/scrub>/2022 I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your violation or wiFe cAnsch a directEM consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance.

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
If you have any questions, I can be reached at XXXX or XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

J.P. Morgan Chase Bank accepted my 3rd party endorsed check to me and had the check processed, cleared, and funds deposited to my account by XXXX who was the Bank who issued the check to my brother. So before and after the check was cleared and verified, Chase Bank now wants to verify who the check belongs to and verify ; which was supposed to be done before they processed the check to XXXX ; if that being the case, they should of never sent the check over to XXXX first, because now it's too late to do anything as far as the issue is now, that they can't verify him through his cell phone, now he can't even get his check back, cancel it, or reissue the check because it's already done, cashed, and even though the account was suppose to be closed, how were they able to take money out from the account if it's on hold, closed, or whatever.
Product: Money transfer, virtual currency, or money service

I purchased XXXX BTC From coinbase.org on XX/XX/XXXX. I went to check my account on XX/XX/XXXX and because I no longer have access to the cell phone number I originally signed up with, I cant access my account. 

I reached out to their support and they have not come back with a response. Last response received was XX/XX/XXXX Hi there, Thanks for contacting us on this, Im sorry for the account setup difficulty! Our ID verification partner may be having some difficulty verifying the information on your account. Ive reached out to them for help with a resolution on this issue. 

Ill get back to you as soon as I have an update. If everything checks out your account will be ready to go. Thanks for your patience in the meantime! 

I followed up at least 3 times since then but have not received a response. 

Please help!
Product: Credit card

I applied for the Capital One Savor One credit card ( the one that shows with excellent credit as I have an XXXX score - https : //www.capitalone.comXXXX XXXX that had a {$200.00} sign up bonus after spending {$500.00}. I know for a fact I signed up through the landing page that advertised the sign up bonus because I know I wouldn't have signed up for any of the other card offerings as they didn't meet the criteria I was looking for in a new credit card. There are 3 versions of the card : 2 versions of the Savor One ( one with and one without the sign up bonus ), and the Savor card which has an annual fee. I know for a fact I signed up for the card with no annual fee, and the {$200.00} sign up bonus. I believe they switched the application form link without notifying me when I signed up, in hopes I wouldn't notice and hopefully forget about the sign up offer. 

I received an approval on XX/XX/year>, but didn't realize at that time it didn't show the. Well after 3 months of hitting the spend minimum, I called back today on XX/XX/year>, it was escalated to a senior account manager after spending about 45 minutes speaking to an off-shore rep, to be told along the lines of " sorry, nothing we can do '', despite being a Capital One customer for nearly a decade now with their checking/saving/money market products. 

Hypothetically speaking, even if I did fill out the wrong form from the start ( which I know I didn't ) - having 2 different credit cards with the exact same name written on the card, but different tiers of rewards isn't clear for an average consumer. 

I hope this doesn't happen to anyone else, and I hope they can resolve this issue with me correctly and credit me with the rewards I
Product: Vehicle loan or lease

Greetings, I want you guys to investigate tricky practices to the company name : CARVANA LLC I did a loan with this company and suddenly they sold my loan to the XXXX company. 
I pay {$320.00} for a XXXX XXXXXXXX XXXX XXXX XXXX total of more than XXXX. When I was checking my 3 payments as a result my surprise was that this company was charging me {$250.00} of interest and only {$76.00} was deposited to my original loan. How is this possible? 
Another encounter was that I was waiting for my plates and a waiting period of more than 60 days to receive my plates. My temporary plates expired on XX/XX/XXXX, and still don't receive my plates. I went to the Texas office to order another 30-day permit at my expense. I found that they charged me 30 % or more of interest for this used vehicle. 
I hope you guys can help me with this inquiry and investigate these companies with bad practices. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed in a letter to remove inquiries on my trans union credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is serviced by Shellpoint Mortgage. I exited forebearance XX/XX/XXXX. We were on forebearance due to XXXX, both my husband and I became XXXX  and my job was lost due to the pandemic. I recently gained full time work and we contacted Shellpoint and followed all directions to exit forebearance, modify the loan and restart our payments. I have made 2 trial payments and will complete my third trial payment in 1 week, all within 45 days, ahead of the three month schedule provided.

Shellpoint Mortgage reported my account to all credit agencies for delinquent over 30 days for the full amount of the forebearance back pay owed, {$32000.00} on XX/XX/XXXX. No mention is made in the credit report that I am in trial payments, current on trial payments and awaiting the final documents to modify loan. It does not mention that I was in forebearance due to COVID. My credit score dropped almost 100 points severely affecting my families ability to complete a refinance of the same mortgage to bring it current. I have a XXXX federally backed loan. 

I am not currently delinquent on my account and the report was not an accurate or necessary step by Shellpoint mortgage service. I contacted Shellpoint Mortgage and they sated this was allowed because they are reporting the " true '' facts of my mortgage. I asked how I could have prevented this reporting. I was told that only if I had made a lump sum payment of the total amount of forebearance and brought the account current would have prevented me from being reported delinquent on my account.

Shellpoint suggested I focus on my repayment and not my credit report in our correspondence. I have spoke with the HOPE hotline and CFB and was advised the report of delinquency on my credit report was not consistent with direction provided by XXXX XXXX to mortgage servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my Santander loan account. 
I want you to know that I understand my financial obligations, and if it werent for My financial institution locking my bank account for 90+ days, as well as a recent natural disaster in my area hurricane Ian , Id have an excellent repayment record. I made a mistake in falling behind, but since then, The bank has unlocked my accounts and released my funds and we are slowly recovering from the property damage from hurricane Ian. Since then, Ive had a spotless record of on-time payments, As well as meeting payment arrangement and catching up the status of the account.

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX, XXXX, XXXX, XXXX, XXXX & XXXX. 

Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Product: Mortgage

We purchased a property and wanted to payoff the Judgment Carrington has on the property. They refuse to provide a Judgment Payoff. They will foreclosure on my property if we can not payoff the judgment!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report regarding a late payment that is being reported on my account. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), I have the right to request an investigation into any information I believe to be inaccurate, incomplete, or unverifiable.

The following information is being reported inaccurately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date ( s ) : [ Specific Date ( s ) of the Alleged Late Payment ] I have never been late on payments for this account. The reported late payment is incorrect and does not reflect my payment history. I am requesting that this inaccurate information be investigated and either corrected or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 Original Creditor : XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have 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: Payday loan, title loan, personal loan, or advance loan

I am writing this complaint for the reporting of my salary advance loan by State Employees Credit Union ( SECU ) after my account was closed. Despite having paid the loan in full, it has been inaccurately reported as active, and SECU has subsequently added a late payment to my credit report. 

This situation has arisen after my checking account was closed, which has restricted my access to the salary advance information necessary to clarify this issue. It is my understanding that salary advances should not be considered an effective indicator of an individual 's ability to repay a loan. 

I believe that the reporting of this loan as active is not only unfair but also inaccurate, especially since the loan has been fully paid. I request that the CFPB investigate this matter and take appropriate action to rectify my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX {$350.00}