23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It sounds like XXXX and Chase may be misunderstanding their obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding proper debt validation. I continue to request documentation of the transfer agreement that XXXX has the right to receive my debt. 

XXXX. Debt Validation Requirements ( FDCPA ) Under 15 U.S.C. 1692g ( b ), debt collectors are required to cease collection efforts if a consumer disputes the debt and requests validation. Providing extensive billing history and a business agreement does not necessarily constitute sufficient validation under the FDCPA. Debt validation should ideally include : Evidence that XXXX has been assigned or owns the legal right to collect the debt, often a transfer agreement or document of assignment. I have not received no evidence of assignment from Chase Bank to XXXX, showing XXXX  legal standing to collect this debt. 

Case Law Support : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court clarified that collection must stop until validation is provided. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), further emphasized that debt collectors must provide proof of debt validity, not merely billing records. 

XXXX. Failure to Update Dispute Status with Credit Bureaus as Required by FCRA ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), debt collectors are required to update credit reports to reflect a disputed status within XXXX  days of being notified of a dispute. Despite informing XXXX of my dispute regarding this debt, my credit reports with all major bureaus have not been updated to reflect the disputed status. This failure to update the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my credit score.

I am not asking for payment history, billing history, company agreements which is what I keep receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union file # XXXX, is reporting the following fraudulent inquiries 1. XXXX XXXX  XXXX  dated on XXXX XXXX, 2023. 
2. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
4. XXXX dated XXXX XXXX XXXX, 2023.
Product: Checking or savings account

I'm writing in regards to a {$580.00} withdrawal from my bank account by Fifth Third Bank due to an unsuccessful cash deposit resulting in a denied dispute. The initial deposit was made at the Fifth Third Bank ATM located at XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/2020. 

Upon depositing the cash, I was given an error message and the money was not returned. The ATM requested I put in the amount deposited, so I inputted the {$580.00}. Next, a receipt was printed out that stated to take the receipt into the branch. I then attempted to take the receipt into the branch, however, that branch is no longer in operation. 

I then took the receipt to the Fifth Third branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They referred me to Fifth Thirds dispute department, which is when I called and filed a dispute. 

When I filed the dispute on XX/XX/2020, the {$580.00} was immediately credited back to my account. 

On XX/XX/2020, I went to use my card for a purchase and it was denied. Upon investigation, I learned that Fifth Third Bank denied my dispute and did a {$580.00} withdrawal on my count. This left me with absolutely no funds in the midst of a crisis. 

I then called the disputes department, where I learned that the case was denied because apparently that ATM is showing it is balanced. I spoke with dispute personnel, and a supervisor. All of which told me they apologize for the inconvenience, but all they can do is reopen the case. Absolutely no empathy, ability, or willingness to release my funds until the dispute is resolved, up to 30 days. I was left with literally no food, gas, or bill money to my name for an entire week, due to Fifth Third Banks error. 

Per the dispute departments request, I then emailed over a letter of intent to dispute. After one week of not hearing anything and a 30 minute hold time, I find out from the dispute team that the email was never received. Mind you I sent it to the exact email address provided with the case number in the subject as directed. I have now resent the intent to dispute. 

I am beside myself with the lack of accuracy from this company. There was an error with their ATM, an error with their reporting, and now an error with them receiving an email in the format and using the email address I was told to use. At this point, I need Fifth Third to step up, get their ducks in a row, and get me my money back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, addresses that do not belong to me. 
I sent a dispute letter via mail to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report. 
After re-reviewing my report I found that the fraudulent, inaccurate, incomplete personal information is still being reported on my file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX MTR Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : XXXX. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across XXXX, XXXX, and Equifax. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and Equifax fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
XXXX. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

30 day Late Payment for XX/XX/2020. 

Regions Financial Corporation / Car Loan Due to Covid. During the beginning of the pandemic I was working seven days a week & all hours of the day due to being an essential worker.

I have called twice and sent two letters ( one to the EVP of Customer Relations and one to the Credit Monitoring Dept ) explaining the reason for my late payment. All four times I am told that this is correct and they will not do a " goodwill removal ''.

This is the only late payment that I have had in almost three years. My account is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.
Product: Credit card or prepaid card

I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX JP Morgan Chase Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of JP Morgan Chase, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that JP Morgan Chase reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that JP Morgan Chase values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC XXXX report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge.. 

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

To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by Experian and XXXX. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both Experian and XXXX continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my Experian and XXXX credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

Move out date XX/XX/XXXX the sent an email with move out charges on XX/XX/XXXX after I requested my deposit to be returned sent them a legal letter via certified mail the never responded. On XX/XX/XXXX a report appeared on my credit file as collection from a collection agency that never contacted me before the report to discuss payment or anything. I contacted them and asked for information yet no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Product: Credit card or prepaid card

I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Trans Union allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX.. There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am a service member been on XXXX XXXX since XX/XX/XXXX. I financed a vehicle from XXXX XXXX XXXX through Capital One Auto on XX/XX/XXXX for {$21000.00}. The vehicle ( XXXX XXXX XXXX  ) was valued for nearly half that price but I was in need of a reliable car to get to my duty location so I agreed to the sale with a monthly payment of {$570.00}. 
One year later XX/XX/XXXX, I logged into my Capital One Auto account ( XXXX ) thinking that my loan should be substantially paid down, only to find out that for the last 12 months my loan balance was still over {$20000.00}. I immediately called Capital One and requested a review of all my payments and they explained that " all my payments were uptodate and applied to the interest of 24 % and that's the way the loan should have been explained by the dealership and they have nothing to do with that process ''. 

I explained to Capital One that my initial understanding was that the price included the interest since the vehicle had a value significantly less than the quoted price, at least thats how the dealer sold me on the purchase, and that's when I ask if as a servicemember, I could use the SCRA since I'm currently on XXXX XXXX and recently PCS ; they Capital One instructed me to send them a copy of my military orders. I sent them a copy but was denied and was told that I took out the loan after entering XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. I've no open balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my XXXX account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} open balance for my XXXX card, which is clearly false. I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$99.00} balance on my XXXX card, with false late payments still being counted. I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been 5 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( TransUnion, XXXX, XXXX ). XXXX previously removed the false late payment from my credit report, but on XX/XX/XXXX, they've again reported false information to TransUnion saying that I've {$99.00} balance. This's a major issue and seriously has to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by Experian, XXXX and XXXX of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX  repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, Experian refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXXXX/XX/2021.