23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The account in question in discussion is JPMCB Card Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at XXXX XXXX. When I was well enough to work I did make the payment immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Savings Account Promotional Offer To Whom it May Concern : On XX/XX/XXXX, I applied online for XXXX  and XXXX  accounts at Citizens Bank in response to XXXX offers to Get up to {$400.00} and get {$500.00}, respectively. My applications were approved and all terms of each promotion were met. 

I closed my XXXX  account on XX/XX/XXXX after receiving the promised bonus. 

When my XXXX bonus did not post, I contacted the Bank earlier today. The Bank claims that both the XXXX  and XXXX accounts needed to remain open to receive the bonus. That is simply not true. My request for {$500.00} was denied. 

Please pay the promised bonus. Otherwise this matter will proceed to trial. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP. 

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1692g. Validation of debts- Please delete this account for failing to do your due diligence making sure everything is 100 % accurate on my report XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S.

Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ), you XXXX be liable for your willful non-compliance. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately.
Product: Checking or savings account

On XX/XX/XXXX, and XXXX of XXXX XXXX merchants by the names of XXXX and XXXX used my debit card number and made {$1700.00} worth of unauthorized transactions on my checking account. I filed a dispute with Capital One over the fraudulent charges. Capital One claims they completed their investigation and sided with the fraud. I investigated what both merchants are and they are some kind of cryptocurrency merchants. I have never bought that product in my life. The scammer ( merchants ) got ahold of my debit card info, drivers license info, and my social media. These merchants aided a scammer/impersonator that stole money from my capital one checking account to transfer to a XXXX XXXX XXXX
Product: Debt collection

I am presently going through a divorce. My soon to be ex lives in my house. I pay all ulitities, mortgage, property taxes. I reside at another residence, due to the constant XXXX. I never did a change of address, as I 'm planning on moving back into my house when we can get her out. I started to notice a month ago that I was suddenly getting non payment of bill notices. I then went to my XXXX XXXX account, and discovered my score was down XXXX points. I then called the companies, and was informed that they had sent out numerous notices. I never received any notices from any company. I then made a formal complaint with the USPS Inspector. She has been throwing out my mail since at least XXXX. I do n't know how I can be responsible for any bills I 've never received. She also, without my permission tried to change my XXXX XXXX password, without success. Is n't that sort of illegal? If it is, please explain what legal recourse I have. Please any advice you can provide me would be greatly appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the following account ( s ) that are currently listed on my credit report. Under the provisions of 15 U.S. Code 1681g, I request that you provide physical verification of the original signed consumer contracts for each of the following accounts : DEPT OF ED/XXXX Acct # XXXX DEPT OF ED/XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I am entitled to full and accurate disclosure of the information in my credit report, including the method and sources of information. I am concerned that fraudulent accounts may have been reported under my name, and therefore, I am requesting that you verify the authenticity of the reported accounts by providing physical copies of the original signed consumer contracts. 

Without physical verification of these contracts, anyone paying for your reporting services could easily fax, mail, or email fraudulent account information, which could then be mistakenly reported on consumers ' credit reports. This lack of verification can lead to significant harm and undue hardship for consumers who are victims of identity theft or other forms of fraud. 

Please take this letter as a formal request for the following actions : 1. Investigate and verify each account listed above through the physical examination of the original signed contracts.

2. Provide me with copies of these original signed contracts as proof of the validity of these accounts.

3. Remove any and all accounts that can not be verified with the original signed contracts from my credit report immediately.

In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation and respond to my request within 30 days. Please confirm in writing that you have received this request and outline the steps you will take to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored
Product: Checking or savings account

In 2018 I was injured at work & placed on worker comp about a month after the injury worker comp abruptly stop my weekly pay and covering my medical bills. I went to BB & T and ask them to remove the automatic payments that I had on my account, the ladies in the bank told me that it may or may not remove the automatic payments which it did not. Leaving me in the hole with BB & T I am currently in litigation with worker comp for unpaid wages and unpaid bills this being one of them, quite literally worker comp bankrupted me with a newborn at the house and I'm still yet to recover fully. Im submitting my worker comp information plus a written statement that I have provided to the credit reporting agencies. All my outstanding debt is from worker comp and my attorney argues that this should be covered by workers comp and has been entered into the official record with the Administrative Law Judge. BB & T has placed a remark on my XXXX report preventing me from opening a normal non-secured checking account.
Product: Debt collection

Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.
Product: Mortgage

I started a modification with my bank in XX/XX/XXXX. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different " relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creates a further financial hardship. I have paid the amount requested on my loan statement but they the bank and its representatives continue with delays as a form to discourage me. The continue to say as excuses " we have many files, it takes time '', '' the processing team has your file the underwriter will reject your file, " the gatekeepers will recieve your file soon. I did not pay my XX/XX/XXXX mortgage I do n't know what to do. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

Im part of Lexington Law lawsuit. I am requesting my payment from this ongoing case. My address has changed but heres my new address XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Received a collection letter from this collection agency dated  XXXX / XXXX /  XXXX  . I replied to them in writing on  XXXX / XXXX /  XXXX  . I told them on my letter that the account was not mine and I asked to provide me with a copy of the signed credit application. As of this date, they have not sent me any documents related to that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report from XXXX and XXXX and they are refusing to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent XXXX and Equifax letters disputing inaccurate and adverse items on my credit report. There negligence has caused me harm, since it has affected my ability to obtain new credit. 
Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), they had 45 days from receipt of my letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from them within 45 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately.
Product: Student loan

I have a student Loan with JPMorgan Chase Bank ( Chase ) which is being serviced by XXXX XXXX XXXX ( XXXX ), poorly if I may add. I have been trying for months to release a co-Borrower, my Brother, who is in the process of qualifying for a home loan but is being impeded by this obligation. I am and have been fully making every payment since the issuance of the loan and furthermore have a much higher credit score ( XXXX pts ) and the reason they will not release my Brother is due to our credit histories according to XXXX XXXX Chase will not answer any questions, and when I ask to speak to someone at XXXX that can make a decision regarding this, I am referred back to Chase in a never ending loop.
Product: Credit reporting or other personal consumer reports

I have multiple thing on my credit that I have no clue where they came from.
Product: Student loan

No matter what, when I requested forbearance or when I was enrolled and requested it be deferred, they would tell me it was done, yet I would get collection calls and notices a month later and my credit score suffered severely. Its getting to the point where finishing school is dangerous to my future.
Product: Debt collection

I received a letter from Phoenix Financial Services ( Debt Collection Agency ) on behalf of XXXX XXXX XXXX XXXX ( Debt Collection Agency ) dated XX/XX/XXXX for a workers comp balance billing in the amount of {$650.00}. Workers comp paid {$300.00} to the original creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX. The amount that was paid to the original creditor was based off of a fee schedule. According to the statutes, I can not be held responsible if the workers comp carrier has not paid a bill in full even if the provider demands it. Further, if a healthcare provider has accepted partial payment from the workers comp insurance carrier, it can not send me a bill for the remaining amount of the medical bills. It is against the law and this form of practice is prohibited. Phoenix Financial knowingly reported false information to all three credit reporting agencies ( XXXX/XXXX/XXXX ) which has impacted my credit score exponentially. I am reaching out to you for assistance because I was not able to resolve this matter on my own. If all else fails, I will seek legal representation because my rights as a consumer have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, has violated my Rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Kikoff Lending LLC is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to the Non-compliance of XXXX and Equifax credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$560.00} XXXX  XXXXXXXXBalance {$440.00} XXXX XXXX-Balance {$840.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$0.00}
Product: Credit card or prepaid card

Chase Bank arbitrarily closed three credit card accounts that were being serviced on a timely and often, early payment, basis. I received three letters stating the accounts in question were possibly affected by numerous inquiries? - balances high compared to credit limits? - closed at banks request.
Product: Credit card or prepaid card

I paid off my credit card but my physician was unable to perform my procedure and had to refund me. He stated that Synchrony Bank would not allow him to refund me directly so he not refund me the {$8500.00} dollars and would have to send it Care Credit/Synchrony bank . The credit showed up on my Synchrony account within 3 days and I have contacted them 3 times each time waiting 15 days for my check to be received, for a total of over 45 days to no avail. I have been told repeatedly that my check is being sent and I have not received it yet. I am told repeatedly every time I call that they do not know why my money has not been released to me. Last week XXXX XX/XX/XXXX my 3rd attempt, I spoke to a supervisor named XXXX who stated that she would be personally handling my case and would escalate the issue and call me back within 48 hours for a resolution and nothing from her. Please help me,
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander collection agency XXXX XXXX car payments but not accurate. XXXX, XXXX and other credit bureaus reports XXXX.
Product: Mortgage

On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.
Product: Credit reporting or other personal consumer reports

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Product: Credit reporting or other personal consumer reports

The creditor is reporting a charge-off, which by definition requires XXXX XXXX of delinquency. However, my account was never late, and my payment history reflects zero late payments. Additionally, my past due balance is {$0.00}, further confirming that no delinquency ever existed. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information. The false charge-off is negatively impacting my credit profile, and I request its immediate removal.