23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2024 I dropped off my XXXX XXXXXXXX to be repaired at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Me and service advisor, XXXX, walked around the XXXX and per the signed inspection form provided by my service advisor no dents was visible, gas was full, no other damaged to interior ( including normal seats, visor, sunroof or handles ) and was informed my vehicle would be ready by XX/XX/2024. 

The initial estimate to repair the vehicle was aound {$5100.00} and when I finally picked up my vehcile on XX/XX/2024 the final cost was over {$9500.00} to repair my vehicle. 

Not only was the cost almost doubled but when I go into my vehicle I noticed the following issues : XXXX. Dust everywhere on the dash XXXX. XXXX XXXX on the steering wheel column XXXX. Greasy fingerprints on my fabric and handle driver side XXXX. Gas was almost empty XXXX. Mileage In per XXXX XXXX Form : XXXX - Photo I took on XXXX had XXXX which would account for the gas being almost empty over XXXX miles driven in XXXX XXXX care XXXX. Dents to my driver side front door, inside plate, door handle ( paint missing ) XXXX. My windshield washer will not pump and clean windshield XXXX. Engine hesitates performance issues XXXX. I texted my service advisor " not to cash check '' and need to meet regarding the issues I had texted him along with my XXXX XXXX XXXX, XXXX, the issues with my vehicle on XX/XX/2024. 

I met with the store manager, XXXX, a couple weeks later to show him the issues and he just waved me off like and walked away stating " we only drove your vehicle XXXX miles ''. 

This is unacceptable practices and I demand satifaction.
Product: Credit card or prepaid card

JC Penny XXXX XXXX XXXX XXXX FL XXXX To whom it may concern : I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. In XX/XX/XXXX, I had a vehicle stolen from me which caused me to use my credit cards to pay for lawyers and costs to the loans. I was able to make payments, but was very extended on my credit. In XX/XX/XXXX, I contacted your team to see if I could work out a payment plan which would reduce my monthly payment. We agreed to this and while on the phone, I was required to make the first agreed to payment on the plan. I continued to make these payments only to get a letter stating that you sent my account to collections and charged it off. I was very confused as I didnt understand why this happened as I made the payments. The person I spoke with told me that I didnt make the original statement payment, so this is why you did this to my account. She told me that it is not her issue and that I should have understood the agreement. I asked her why they didnt require me to make the minimum monthly statement payment and she told me thats not their role. I explained that I wanted to avoid a lot of negative impact to my credit which is why I called, she told me this is not the purpose of the plan and its not your problem. You can pull the recorded calls to validate this and also pull the original one which I did ask if I needed to make the payment on the statement and the person told me no. I am working to get a loan to consulate my debt and these late payments are preventing me from doing this at this time. I am unable to purchase a home all because I tried to work out a deal with you to reduce my payments. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was a victim having my car stolen and extending my credit. I also am a victim of being given incorrect information by your team. I did call into your team each month and provided updates and it was not a positive experience. I did everything I could to ensure JC Penny/XXXX didnt have a negative impact when it was all said and done. I am avoiding filing for bankruptcy and would like to continue to build my credit. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that JC Penny/XXXX is willing to work with me on erasing this mark from my credit reports. I finally started working with a specific rep in your recovery team who was positive and amazing. To remain a victim of the theft of my car is heartbreaking as I cant get a consolidation loan or even purchase a home. 

I have been a very happy customer in the past and hope to continue a long relationship with JC Pennys/XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

Please reverse this late payment out of my credit report to On Time this is incorrect and needs to be fixed immediately this is a violation of FCRA Law Code 15 USC 1666B timing of 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.

15 USC 1681N Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Checking or savings account

I had duplicate charges from merchant XXXX XXXX XXXX, I filed a dispute and XXXX closed my account. I filed a dispute with Chime and Chime came back stating that the dispute was denied and that I did not provide enough information and that the merchant never responded to them. It is not my fault that the merchant never responded to them however I did respond with all information that they needed and I have sent in another request for rebuttal and they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. UNKNOWN - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/1992 XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : JP MORGAN CHASE & CO. 

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called XXXX the loan carrier, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with XXXX and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with XXXX. That did not make a difference, in fact I had to call XXXX a second time because they didn't do anything with my complaint. I called XXXX back XXXX explaining again that the way they are reporting my status is affecting my XXXX score. Today I received notification from XXXX that my credit score dropped XXXX points due to my student loan has increased. I called XXXX today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called XXXX back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and IDR should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in IDR that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time XXXX representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.
Product: Debt collection

I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX 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 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 to any 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

please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct name Acct # n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting or other personal consumer reports

This is my new complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -Equifax : XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX  XXXX Balance Owed : {$27000.00} -- -- -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXXXX/XX/XXXX. 
If you claim these items are XXXX % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

My credit was pulled for a tenant screening in which i was approved, where it shouldve been available to move in this month. I was told the unit was unavailable and they couldn't give me a move in date or an alternate. They refunded me my money and cancelled my application but told me they could not reverse the credit pull. I feel that the listed availability was inaccurate therefore my credit should not have been pulled and it should be disputed.
Product: Credit reporting or other personal consumer reports

I called Experian a few months ago to remove a credit freeze that I had placed in XX/XX/year> and I went through the process of submitting my ID and documentation over the phone and was told that it would be unfroze within the next 24 hrs. This was not true as Ive come to find out. I can not log into experian because I changed my phone number. It has now been months and my credit is still frozen
Product: Checking or savings account

a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?
Product: Checking or savings account

I was charged Twice, two different prices from XXXX however, it was only one service. The transaction is unauthorized. It's between my Bank which is XXXX and XXXX. I filled a complaint with Capital one and the returned it and then reversed it again although I had proof. I am happy to share documents that support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information and tried to open an account under my name. I disputed this and also filed a fraud report with the FTC.
Product: Credit card

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.
Product: Student loan

I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I rec 'd today a updtated credit report form Equifax dated XXXX XXXX XXXX. 

I have been going back and fouth with Equifax since XX/XX/XXXX and my nothing gets fixed. 

I provided them a copy of the excutive order from the internet regarding NEW YORK STATE MANADATE EXCUTIVE ORDER BY MY GOVERNER and still they put late payment on my credit report. 

I tell them I was on a forbearance due to covid 19 form XX/XX/XXXX - XX/XX/XXXX and still nothing changes on my cerdit report. 

I think, what fair, is for the credit agency blank out that period in time in the colume called SCHEDULE PAYMENT AMOUNT, just like they did for XX/XX/XXXX and XXXX XXXX.Why? because I was effective by the natual disaster covid 19 and I was on a forbearance. 
also, my mortage amount changes every XXXX and for XX/XX/XXXX my payment amount was {$810.00} not $ XXXX.Here 's another examplle on how, XXXX XXXX XXXX  continues to provide incorrect, information regarding borrowers to credit agency. 

Finally, On XX/XX/XXXX credit report there's a titled called ACCOUNT HISTORY WITH STATUS CODES : I would like XXXX to be blank too.Why? becasue it's reporting late payment during my forbearance period from XX/XX/XXXX - XXXX XXXX.Thye cam leve it blank or put a dash or XXXX. 

XXXX you, XXXX XXXX
Product: Credit card or prepaid card

I had a {$1000.00} limit on my Synchrony home card. I was going to have some painting done. Recently I saw they changed my limit to {$250.00} with no notice. I have a project scheduled XX/XX/12. I contacted them as I figured it had to be a mistake. They said no they lowered it and did send me a letter. I never received a letter and I receive mail from them every month ( other statements for other cards ) and notices just fine. This affects my credit too when they lower my limit without notice.
Product: Credit reporting or other personal consumer reports

You reported that I had overdraft when I had money in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep sending me pre approved credit lines that I get denied for upon applying. Also the credit score shown is incorrect.