23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was originally owed by my ex-wife. It consisted of an electric bill and gas bill from two separate residences in XXXX XXXX, NY and XXXX, NY which were combined by XXXX XXXX XXXX Gas and Electric into one account when my ex didn't pay the bill for which she was responsible. The combined total was reported to collections in XX/XX/XXXX, scheduled for removal from my credit report in XXXX. The debt was aparently sold to another agency, IC Systems, on XX/XX/XXXX, account number XXXX. This created an additional issue, which is huge. IC Systems reset the collection date another 7 years, even though my only interaction with them was an online dispute through XXXX XXXX as an intermediary. This is unfair and a violation of Fair Credit standards. Currently reported to XXXX and XXXX XXXX, I want this debt removed immediately from my reports.
Product: Credit card

JPMorgan Chase, double charges interest on paid items, double billing. 
As explained to XXXX XXXX, attorney for Chase, XXXX, who did not have the courtesy to return a call and investigate, but obnoxiously had other employees calls and harass us, while refusing to credit disputed amounts. 
Chase actively engages in interest charges on debt paid on time ( doublecycle billing ) although the account is paid a substantianly amount, still interest is imposed on the balance like no payment took place, and in addition payment made at a branch its not credited immediately and Chase charges daily interest as the payment was done the following day. 
Chase employees are abusive, they treaten to report derogative information to credit bureau, and even made calls of coming to our property to make good on the credit card debt, although this is a insecure loan. 

According the APR and calculations Chase has cheated closed to {$300.00} so far. 

Additionaly Chase nowhere posts online or the terms or agreements as require by law, and they tend to call past calling hours.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : XXXX and Experian are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, XXXX and Experian continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, XXXX and Experian have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from XXXX and Experian. 
Written confirmation of the correction from Experian. 
XXXX that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA
Product: Debt collection

Dear national credit systems, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX
Product: Debt collection

I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. 

My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. 

The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. 

The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. 

I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.
Product: Credit reporting or other personal consumer reports

Experian is not complying with my request to delete old inaccurate, and adverse information on my credit file and as a result my credit score is suffering. this is directly impacting my ability to receive credit. i had made numerous attempts to dispute this and find a resolution to this issue but they continue to report this information to third parties and also furnish on my credit file. this is a violation of the FCRA and consumer laws that protect us as consumers
Product: Checking or savings account

On XX/XX/2022, I completed an application to open an XXXXInherited IRA XXXX with Merrill/Bank of America due to the death  of my mother. I was initially asked for a copy of my driver 's license and social security card which I provided. They also asked me to confirm any dollar amount of an auto loan debt or credit card that I currently owned- which I confirmed. 

The Representative asked me if I was currently employed and I explained to him that I was not at the time. The representative asked if I was previously employed and I explained to him that I was. I provided to him my last paystub that also had my current address on it. 

In addition- he asked if I could provide a utility bill and I explained to him that I am currently living with a relative and that the utilities are not in my name. He then provided a list of documents that I could select from for address verification. I chose the 'W2 ' option which I provided him a copy of. 
I received an email yesterday XXXX, 2022 asking for additional information. I now feel that I am being discriminated against.
Product: Credit card

I have an account with Best Buy. XXXX XXXX, I made multiple purchases using my Best Buy credit card. One of the purchases was a cell phone. Best Buy advertised a rebate of {$25.00} in exchange for my phone. I gave the receptionist my phone. She charged my card {$25.00} for a rebate that she should have applied a refund to my account. Both of the store managers were exceptionally rude and refused to address and or resolve the matter. Since that time, Best Buy has 1. Changed their promotional offers and sent me a bill this month that included a fee of over {$120.00}. THey escalated the terms of payment. 2. They have yet to provide me with an explanation and or correction of the {$25.00} charge. 3.Instead of sending me a plain print out of charges, they sent the amount and not the item purchased. It is difficult to verify charges. The charges/fees that they charged this month ( are over {$120.00} ). That fee is retaliation for my expressing concerns to them about the transactions and the managers and about their practices. 4.During the course of all of this, I made a discovery of Best Buy surveillancing my devices..I pay them for XXXX and a membership. When apps are not functioning and I saw a device that was used to remotely manipulate my devices, I am now facing a situation where the trust factor has been lost. XXXX. I have issue with the fees and interest that they suddenly applied although I have been making more than the minimum payment for months. I request a full investigation into every charge and transaction. 6.They suddenly changed the terms of the agreement of my membership and this month arbitrarily began charging me for a home visit by the XXXX XXXX XXXX after their on line staff was unable to remotely connect a brand new printer that I had just bought from Best Buy to my devices. I returned the printer and they refused to credit my account. They forced an instore credit to be issued.
Product: Vehicle loan or lease

I recently bought a car through Driveway on XX/XX/2023. However, on XX/XX/2023 received a letter from driveway finance stating they are offering new terms from the recent purchase and i only need to contact them within 10 days of the letter date XX/XX/2023 to accept the new offer. 
I called driveway finance to accept the offer but they will not update my account with the new terms. The payment is {$20.00} lower per month at the same term length of 72 month. I simply want this offer they extended to me. Could your organization help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted TransUnion customer service about dispute errors on my credit report and I mention about dispute credit inquiries that was unauthorized. I asked them to deleted but they wouldnt help me take care of negative inquiries report to my credit report.
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX  XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Product: Credit card or prepaid card

In XXXX of XXXX, I had entered a repayment agreement from a judgement filed against me for a charged off Barclays XXXX credit card with the first payment due XX/XX/XXXX. I had made the first payments under this agreement at the agreed upon amount. In XXXX, I had started the process of purchasing a home. At the direction of my lender, I had tried contacting the attorney 's office handling the debt as well as the original creditor to see if I was able to make a lumpsum payment and/or if they are able to assist with anything additional if I pay the remaining balance off in one payment. I had never received a response from the attorney or the creditor. I had sent in the final payment that covered the remaining balance due under the agreement which was deducted from my bank account on XX/XX/XXXX. When Barclays reported the account update on XX/XX/XXXX, it had indicated the last payment made as well as a remaining balance of {$680.00}. I had been informed by my lender that this isn't uncommon and that typically the balance will zero out the month following the final payment made. My lender stated they he believes that since a third party was involved in the payment process ( payments sent to the attorney 's office made payable to Barclay 's ) there might be a lag in when Barclays receives the payment info and to ensure no returned payments before zeroing out the account. That didn't happen. XX/XX/XXXX, same balance and last payment were being reported. At this point, I had tried calling countless times to the attorneys officer and my calls were completely avoided ; no calls taken and no returned calls from voicemails left. I also tried contacting Barclays directly who in turn refused to assist me since the account was assigned with an attorney. Even after informing them that nobody has returned any of my calls and that I've completed my end of the agreement. These calls took place through XXXX, again after no changes to my credit via my XXXX update. I am getting closer to the close date and my lender needed to update final credit. As of today, the last update from Barclays to the bureaus still show the same balance and last payment made. I've included my credit reporting from them for the past 10 months. I've also included a copy of the settlement agreement, proof of each payment and the satisfaction of judgement. The final page of this attachment, which was agreed upon in XXXX and has all parties signature initially stated deemed as original XX/XX/XXXX which was crossed out and changed to XX/XX/XXXX. Additionally in the upper righthand corner of the consent judgement, there was an XX/XX/XXXX e-file date with a line through it followed by a XX/XX/XXXX date. Furthermore, the satisfaction of judgement wasn't signed until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion, Please see below and attached - there's incorrect personal information on my credit report that needs to be fixed immediately - as its damaging my ability to be verified for credit. 

Attached are : - written and signed complaint - drivers license, social security card, address Please have this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Bank of America owes me XXXX it's been over a year since I reported the frauded amount on my account.they returned my claim not funded because of atm withdrawals.when there should be no atm withdrawals in my claim.because I withdrew the money at the atm.so logically there should be no atm withdrawals in my claim.they owe me XXXX and don't want to pay it.
Product: Debt collection

Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX, Experian and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Product: Debt collection

XXXX  has reported twice amounts that they said I owed on fraudulent accounts. When the issues were finally proved they were not my accounts they failed to restore my credit rating to the number it was prior to the problem.