23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX reported a collection debt opened XX/XX/XXXX for their client XXXX XXXX XXXX in the amount of {$2100.00}. 

This account does not belong to me and I do not have any responsibility for this debt. i have never done any business with XXXX XXXX XXXX, nor signed any lease agreement with then. I was in XXXX  XXXX in a XXXX  in Puerto Rico from XXXX through XX/XX/XXXX ( 6 yrs. & 6 mos. ) I have never lived in the State where this property is located. 

Here with I am providing documentation as proof that I was in XXXX  in Puerto Rico during the time this account was created. I have disputed 4 different collections account on my credit reports from XXXX, XXXX and XXXX, and three of them have been removed as well as inaccurate information ( addresses, names ).  The only collection agency that refused to removed the collection debt is National Credit Systems, even though I have provided strong proof. 

I have also written to the creditor XXXX XXXX XXXX and collection agency involved with no results at all ( attached certified letter with proof of deliver. 

I am trying to get my life in the wright direction but with this credit issues are causing me financial injury as well as making things difficult for me in the job search, etc. 

Hope you can assist me, Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Product: Credit reporting or other personal consumer reports

Dates XX/XX/XXXXXXXX  - XX/XX/XXXX. Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX, are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, Experian, XXXX, do not have my consent to furnish this information and they surely do not have my written consent i am now opting out of any and all authorization I the consumer may have given XXXX, XXXX, Experian, written, unwritten, verbal and non verbal rescinding it effective immediately and indefinitely per 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, Experian, are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately and indefinitely.
Product: Mortgage

Regarding previous CFPB complaint # : XXXX I originally sent a complaint on XX/XX/2023 and never received the letter regarding the information I requested. I then sent an email to Guild Mortgage LLC and no one is helping me get this information-they are just passing me around to another department ( between customer service and loss mitigation ).
Product: Credit card or prepaid card

XX/XX/2019 : Tried to transfer American Express Membership Rewards points from my account to XXXX XXXX, a transfer partner. Attempt failed with this message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

XX/XX/2019 Called American Express customer service, explained, then was transferred to another representative who told me no idea why this happened, no idea how long rewards would be frozen, no plan of what would occur next.
Product: Debt collection

there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number
Product: Debt collection

COMPLAINT # XXXX IN CORRESPONDENCE FOR MORE TIME ON THE FIRST COMPALINT TO THIS CORPERATION 30 DAYS IS ENOUGH TIME TO FIND THE ALLEGED DEBT THAT HALSTED HAS HARRASSED ME ABOUT OVER AND OVER AGAIN.

IT HAS COME TO MY ATTENTION IT HAS BEEN OVER 30 DAYS AND YOU ARE TO BLOCK AND DELETE THIS INFORMATION IMMEDIATELY DUE TO VILOATING MY RIGHTS AND BEING THAT I DID NOT DO BUSINESS WITH SAID ENTITY HALSTED IS NOW IN DEFAULT
Product: Mortgage

I have a mortgage loan that was sold to JP Morgan Chase. 
It is an interest only loan I have paid religiously on the loan for XXXX years. 
I have also paid my own taxes on my home - I have never escrowed taxes for Chase to pay for me. I never agreed for them to either pay the taxes or escrow for future tax payments. 
In XX/XX/XXXX Chase took it upon themselves to pay my taxes and then demand payment from me for those taxes and an additional {$2000.00} per month for my mortgage ( apparently to escrow for my {$5000.00} annual tax bill ). I was not late on my payment of taxes. 
At the same time, I was having a business problem and I could not pay the extra amount. They have started collection procedures on me and have ruined my credit. 
Their demand to me is unconscionable - I never agreed to any of this and no one talked to me from Chase bank before they took unilateral action. 
They have abused me and are making an unreasonable demand which I will not agree to. This bank is so large I can not get anyone who has either understanding of the situation or can do anything about this travesty to make it right. They call my ex-wife and harass her. They harass me. I make phone calls to Chase to find someone who can understand this issue. I always end up talking to someone in XXXX. They can do nothing. They transfer me to a U.S. representative. They wo n't even take the time to understand the problem or find someone who can help me. It 's now affecting my credit. I can find no one who can talk to correct this grievous mistake and the abuse just grows. This bank is always defrauding consumers and they are defrauding me now with this unilateral action on their part. One only has to search online at the abuse they do to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}. You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX has been closed by XXXX since XX/XX/2022. Yet this shows past due and open on my credit report according to 15 USC 1666 b, revolving accounts can not be reported as late. Nor can closed accounts! I would like proof of their verification since they claim its been verified and if it can't be provided, this should be deleted immediately
Product: Credit card or prepaid card

I have been unable to access account information for my SW Chase visa and thus contacted a representative recently and was told my account was sent to a lawyer. I have not received any written or email notification that my account or information would be sent to a lawyer nor for what purpose. I am unable to obtain any information when contacting Chase about the account, the total amount owed to attempt to work on payment options. My account now says that it is charged off. 
Ive been in contact with Chase regarding COVID 19 assistance to alert of need for assistance since early XXXX after loss of work due to COVID 19 pandemic ( closure of previous contract work, loss of contract work job offer, reduction of income as small business owner, lack of payment from pandemic unemployment due to glitches in their system ). Assistance was temporarily provided periods of assistance ( episodes of being allowed to skip payment ) and periods of payments, which greatly helped. Interest and fees were not adjusted and continued to accrue. Last known interest was 15.99 %, {$3900.00} interest and {$200.00} in fees for XXXX by XX/XX/2020. 
I requested lower payment, lower interest rate to attend to payments ; requests were denied. 
Continued to update SW Chase Visa about impact of COVID19, including no payment from unemployment due to continued problems in unemployment system ( payments not actually received until over a year later ). Chase representative relayed that I could not receive hardship assistance that would lower interest and payments due to having a high debt to income ratio. I conveyed it seemed that this is exactly the person who would benefit from lower interest and payments due to less ability to pay than someone with greater resources. The rep relayed option of doing a one time reduced payoff of lump sum {$20.00}, XXXX if I had that, I relayed I did not have that which was reason for requesting payment options to reduce interest and monthly payments. Representative also relayed I could pay full balance over time, yet payments were close to {$2000.00} per month, which were not feasible. I continued to request options for reduced payment arrangement. I requested any information over time of new options for COVID19 assistance or hardship assistance.
Product: Student loan

My student government loans that were originally given to me were sold to nelnet and another student loan company. Not being able to find a job and repay them they had placed my accounts on forbearance for years! Upon finally finding a job I created an IDR plan through great lakes and my original loan seems to grow overtime. I have not been able to pay it down or be rid of the debt since 2011.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on a account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint of the following dates ( XX/XX/year> and XX/XX/year> ) I'm now request you investigate and provide verifiable proof with record showing that I had late payments. If this information can not be verified I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting or other personal consumer reports

Ally Financial was issued a check in the amount of {$11000.00} from XXXX XXXX for XXXX  XXXX XXXX paid in full. I contacted Ally and the custermer service stated that the account is paid in full and was report to the credit bureaus XXXX days after payment. It is five months latter and is still showing outstanding/open. Notwithstanding, this has impacted my credit score and needs to be justified accordingly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX credit but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX, Equifax and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, Equifax and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX  collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX collection agency disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XX/XX/XXXX. I've noticed that Experian is reporting a Charge-off account XXXX with XXXX XXXX XXXX XXXX . I have sent a certified letter directly to XXXX ( See Attached Documents ). 
My 1st attempt was on XX/XX/XXXX was when I sent a certified letter. To the creditor XXXX XXXX XXXX XXXX ( See Attached Dated photo ) then later received a confirmation signature. That they did in fact received my letter requesting proof of original documentations.

I have yet to receive any original documentations, know proof of payment history, not even any form of documentations producing my signature.

I sent another certified letter with confirmation signature. On XX/XX/XXXX requesting XXXX XXXX XXXX XXXX to send the original documentations, all payment history information and the 1099 letter.

Which is a clear violation of USC 1681 e ( b ). They have also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681i ( A ) ( i ) & ( ii ). According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that XXXX XXXX XXXX XXXX be removed from my Experian credit profile. After numerous attempts of requesting original contract documentations from the creditor. That they have fail to provide or priduce any documentations.
Product: Debt collection

I requested the firm to send me validation not verification of the debt. I asked for the purchase and sale agreement. As per the vendor 's response, they are not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and they decline to do so. How am I supposed to verify that they in fact own the debt if they can't or won't produce the purchase and sale agreement? How can anyone confirm that the amount they claim Is owed on the debt is what they paid for the debt without the purchase and sale agreement?
Product: Credit card

The situation in my credit report is causing deep distress and profound disappointment. It is not only highly embarrassing but clear that either you or the company is accountable for reporting this inaccurate information. Please remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Product: Checking or savings account

omplainant Information : Your Name : XXXX XXXX Your Contact Info : XXXX | XXXX Victims Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Victims Address : XXXX XXXX, XXXX XXXX, MI Complaint Summary : I am filing a formal complaint against Chase Bank for : Refusing to recognize a legally executed Power of Attorney ( POA ), obstructing my ability to protect my fathers finances. 
Denying access to fraud investigation details while failing to prevent financial exploitation. 
Closing my fathers account instead of investigating the fraud, causing unnecessary financial hardship. 
My father, XXXX XXXX XXXX, has been the victim of XXXX  financial exploitation, sending large sums of money to known scam networks via XXXX, XXXX, and fraudulent checks. Chase has failed to act despite clear signs of fraud, and now they are actively blocking me from obtaining critical information as his POA. 

Details of Chase Banks Failures : Failure to Recognize POA I presented a legally executed Power of Attorney for my father. 
Chase previously stated my POA would be approved but later reversed its decision, requiring my father to be physically present.

When I called Chases Fraud Department, they refused to provide any information about fraudulent transactions due to the banks failure to recognize my POA.

Failure to Investigate & Prevent Fraud Chase failed to prevent or report multiple fraudulent transactions despite clear scam indicators.

Instead of taking action to protect my fathers finances, Chase chose to close his account, making it difficult to redirect his upcoming Social Security deposits.

Chase refuses to confirm whether they reported these fraudulent transactions to XXXX, FinCEN, or law enforcement. 
Causing Unnecessary Hardship Chases account closure left my father without a primary banking institution, and his next Social Security deposit is scheduled for XX/XX/XXXX. 
Their refusal to provide account statements and fraud documentation makes it impossible to track and recover lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Equifax at XXXX and spoke with XXXX. I advised XXXX I was made aware of inquiries on my credit report I did not authorize. XXXX advised I was unable to dispute this information and had to contact each individual company to dispute it. I advised I did not feel it was my duty to do so because as custodian and the furnisher of information it is Equifax 's duty to ensure all inquires a duly authorized.