23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a deposit for {$1800.00} that was going into my closed personal checking account at chase bank. I was told that as long as I spoke to the claims department, that they would re-reroute it to my correct account. So I spent an hour talking to a claims specialist on XX/XX/20. It was clear to me that she didn't know what she was doing, and I kept asking her to transfer to a manager, and she didn't. She finally said she had taken care of it. Today, XX/XX/20, I called chase because the amount was never sent to my correct checking account. First I was told I never spoke to anyone on XX/XX/20. Then, when I got mad and pointed out that they should be able to see whether their employees are digging around in my account, they admitted that an employee from an office in XXXX had taken that call, but done the claim improperly and that now they don't have the money. So I asked them to escalate and I was told by two separate employees that because XXXX had gotten everyone 's tax documents out late, they were getting a lot of complaints, so they wouldn't be able to speak to me for a while. And when I got home today, I had a letter from XXXX dated XX/XX/20 that states that " As we discussed and agreed, no action will be taken. '' And this is 100 % false. I am concerned that they are allowing employees in another country to dig around in my account, don't seem to have proper records or recordings of it, and now they have lost my money. XXXX used to be a decent bank, but now they have fallen so low that they may have compromised my financial security by possibly letting an unauthorized individual go though my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.
Product: Credit reporting or other personal consumer reports

Hello, I have recently disputed errors on my credit report with Equifax and realized the errors on my credit report still exist. The accounts were Verified but no proper verification was provided. I have listed the accounts below that still have multiple errors and inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to Equifax explaining the illegal errors and XXXX being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner.

I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation.
Product: Vehicle loan or lease

Purchased a new XXXX vehicle in late XX/XX/XXXX. Loan was provided by XXXX XXXX XXXX XXXX. 15 Years has elapsed since the loan was taken out, and the loan was paid in full. I am selling the vehicle, but unable to locate the title. DMV requuires Letter of Lien Release. Charter One is now defunct. It was apparently taken over by Citizens One / Citizens Bank per the FDIC website Tried using their " MyTitleSuppor : title service on XX/XX/XXXX,  which is unable to find the title. Tried calling Citizens Bank and they are unable to find the vehicle in their records.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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
Product: Vehicle loan or lease

After several issues and complaints back and forth with XXXX aka World Omni, they closed my account and I no longer have access to my account with them. I paid them all I was asked to pay. It has been one year since then, I continue to monitor my credit accounts to confirm and they continue to report my loan account as closed. My new issue now is - if they closed this account, why won't they RELEASE the title to my car?? I want to request the title from the State DMV and they continue to have a " Lien hold '' on it. I want my title released to me please! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXXXXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with a XXXXXXXX XXXX XXXX  representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXXXXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped XXXX points with Equifax and XXXX  + XXXX points with XXXX. 

I called to discuss with XXXXXXXX XXXX XXXX  because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " XXXX '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX  which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with MIdland Credit Management ever since they bought my account in 2017. First I was told they would not put it on my credit report if I made payments. I have been making payments ever since and have not missed a payment yet they still reported it. I know that collections stay on reports approximately 7 years. Now all of a sudden they changed my account number and instead of changing my report to reflect it is a change and giving me credit for my payments ( which they lied and said they werent going to report anyway ) they deleted my account then added a new collection and say I have paid nothing. This not only lengthens the time it will be on my report but hits my credit unfairly as it looks like I just got this collection and that i have done nothing to pay on it. I disputed it but no response- went online and they do not reflect my payments on this account even though my emails and checking accounts show I paid. I tried to chat on their site but they will not because of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. It appears that numerous violations of the Consumer Protection Act may have occurred in connection with a debt Portfolio Recovery Associates has purchased from a creditor and has attempted to collect from me. The violations are as follows : Portfolio Recovery Associates continues to report debt to the credit bureaus that is too old to report as prohibited by the Fair Credit Reporting Act. The purported debts day of first delinquency occurred more than 7.5 years ago. The tradeline should be removed from my credit report. 
Portfolio Recover Associates may have retaliated against me for exercising my rights under the Consumer Protection Act when I disputed the debt in accordance with the FCRA in 2019. When I disputed the debt for being too old with XXXX  in 2019, instead of removing the tradeline due to age, Portfolio Recovery Associates updated the report to extended the date the derogatory trade would stay on my credit report by an additional ~1.5 years without explanation.

Portfolio Recovery Associates continues to violate the Telephone Consumer Protection Act by contacting my cellular telephone with an automatic telephone dialer without my prior express consent. 
Portfolio Recovery Associates has violated the Fair Debt Collections Act by placing telephone calls to my telephone before XXXX local time. 
Portfolio Recovery Associates may be in violation of Regulation Z by reporting the debt as late every month to the Bureaus without providing periodic statements within 21 days before payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account on my Equifax report was listed as " Under Investigation from a previous dispute '' for over 90 days. I called and spoke to an agent who opened an investigation as to why it was listed as under investigation when it wasn't. This was on XX/XX/XXXX. 

The results of this " dispute '' were provided on XX/XX/2020. The XXXX XXXX account is still listed as open online, the available credit is listed as {$4100.00}, there is no date of last activity listed, and while it states there were late payments, no payment history is provided. 

This should be removed from my report due to inaccurate information reported repeatedly. The account was also listed as Under investigation from a previous dispute for 90 days prior to my XX/XX/XXXX call ( in addition to that investigation that took 21 days, totaling 111 days ).
Product: Debt collection

In XXXX 2017 I noticed a collection account on my credit that was never there before from a company called Portfolio Recovery. I originally disputed the account with the bureaus. however according to the bureaus the company alleged the account is mine so i contacted them. Its been 6 months and i have not received a response from them and i do not know what the debt it for- it was never validated and i was not contacted
Product: Credit reporting or other personal consumer reports

I disputed a closed account discrepancy on my XXXX and Equifax credit reports. The account balance closed dates and last payment dates were different. I disputed through both portals and XXXX reopened the account and changed nothing. Equifax changed nothing.
Product: Student loan

Notified by Sloan Servicing that 12 month Administrative Forbearance ends XX/XX/year> and payment due XX/XX/year>. We ( primary borrower and I ) have separate applications with XXXX loan consolidation ( XXXX XXXX XXXX ) since XX/XX/year>. I am requesting Administrative Forbearance ( XXXX ) on my Joint Consolidation Loan until XXXX administered loan separation process is complete. No action has been taken by Sloan Servicing since my initial request XX/XX/year>. 

- XX/XX/year> : I called Sloan to request XXXX for my joint XXXX. I was told by Sloan rep that account was in " inactive '' status while XXXX application is processing and forbearance was not necessary. 

- XX/XX/year> : I emailed Sloan and was told " In order to have a forbearance placed on the account while waiting for the separation application to be completed, you must call Federal Student Aid ( FSA ) and inform them of the separation, once you receive a case number, you can call Sloan Servicing and provide us with the case number to request the forbearance. '' - XX/XX/year> : Called Sloan and gave requested XXXX  Ombudsman case number. Sloan Rep sent internal email to Sloan leadership requesting XXXX. 

- XX/XX/year> : Called Sloan and rep told me to be patient. XXXX request is processing. 

- XX/XX/year> : Received email that payment is 15 days past due. 

- XX/XX/year> : Online account shows payment past and assessed late fee. 

My understanding is that missed payments are reported to credit agencies at 30 days if not protected by forbearance or deferment.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report that was submitted today XX/XX/23 and I did not apply for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/Nelnet XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX to discuss about my account on XXXX where it shows a late payment of XXXX XXXX this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments I am requesting to remove this late payment from my report and reverse to paid as agreed, XXXX, Equifax and XXXX along with any other CRA can not report any negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to XXXX again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call XXXX. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Transunion several times. Under the provisions of the FCRA Transunion has a duty to ensure that the information being reported to my consumer file is accurate. XXXX is also reporting a XXXX late payment that is not accurate.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, My mortgage was forbearance for XXXX due to XXXX. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last XXXX months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But XXXX Mortgage services reported to the credits bureau, my payment was XXXX for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with XXXX. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX
Product: Debt collection

I explained to American Express that my wife almost died several times over the last three years and has not been able to work. That caused a severe financial hardship with mounting medical bills. I tried to make arrangements to pay my all my bills but American Express was the only company that was not helpful at all. They stated to have multiple ways to resolve the matter but in the end only offered one solution that did not work for me. As of the past few weeks I've received at least 20+ calls and now my family who is in another state is being harrassed with the same calls.