23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed an inaccurate entry on my credit report for a JPMorgan Chase Bank credit card account. The account is reported as charged off and settled for less than the full balance, but Chase has provided conflicting information in response to my disputes. 

Chase first confirmed that the account was reported to the credit bureaus, but later responded in writing that this is NOT a Chase account. This contradiction suggests either : Chase is knowingly misreporting credit data, or Chase failed to properly verify the accuracy of the information before furnishing it. 
Additionally, I formally requested verification from Chase, including : A signed credit agreement proving I agreed to the debt. 
A complete transaction history showing how the balance increased to {$8300.00} from the original credit limit of {$7500.00}. 
A written explanation justifying the reported high balance. 
Chase failed to provide any of this requested documentation, which is a violation of FCRA 623 ( a ) ( 3 ) unverified or inaccurate information must be deleted from my credit report. 

I previously gave Chase 10 days to verify the account or remove it. They failed to comply, and the inaccurate information remains on my credit report. 

I have now escalated my complaint to the Ohio Attorney Generals Office, the XXXX XXXX XXXX XXXX, and the credit bureaus ( XXXX, XXXX, and XXXX ) regarding Chases failure to follow federal reporting laws. 

I am requesting that CFPB investigate this matter and require JPMorgan Chase to remove the inaccurate charge-off immediately.
Product: Vehicle loan or lease

On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX  XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old
Product: Credit reporting or other personal consumer reports

THE FOLLOWING DEBT WAS NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C.

1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM.

ACCOUNT : JPMCB CARD SERVICES ( CHASE )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a account I pay for with Transunion for credit monitoring. I also have a free account with Transunion. This morning when I logged into my computer I was told that my password was compromised to Transunion. So I logged into my credit monitoring Transunion account and tried to change my password. The online account had an error message stating that they were unable to change my password. So I called customer support and they said they reset my password. when I tried to use the new log in, it did not work. I called back 5 times. each time they said they reset password and it did not work. By this time I was locked out of both accounts. They said they would have technical call me back in 2 hours. They never called back, and now they say it will be 24 hours. I am completely locked out now of my credit monitoring and my free account with Transunion and it is XXXX pm and 7 calls later. and my account is now " suspended ''. Ridiculous poor incompetent customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 
15 US Code 1681b you need permission to report on my CONSUMER report
Product: Debt collection

requesting documents1099 OID form and the original charging instrument, these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to answer this complaint properly, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Product: Credit reporting or other personal consumer reports

Dear XXXX This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting

I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with XXXX, Experian, and XXXX. On my XXXX credit report states it states that I have an account with XXXX. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of XXXX 's actions. XXXX acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error XXXX lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my XXXX bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.
Product: Debt collection

I sent XXXX XXXX XXXX a debt validation letter and they received it on XX/XX/XXXX. They claim that they did an investigation into the debt after they received it on the XXXX and finished their investigation the same day. Which it surprises me that they were able to finish it so fast as they received the letter at XXXX and was able to finish their investigation and mail me a letter the same day. I asked for several things as allowed by law when concerning medical debt including Proof of acquisition of the alleged debt, proof of contractual assignment to collect alleged debt, authorization under subtitle D of the ARRA, Section 13401, Proof bearing the signature the alleged debtor wherein they agreed to pay the alleged creditor, and being this is a medical debt, a copy of the HIPPA authorization. I find it hard to believe this company keeps being able to get away with continuing to break the laws protecting consumers. I have read several complaints against this company and they never answer for what they are doing. In the letter I received in response they threw some doctors name on the paper and claim I had some medical services with this doctor which I have never had and the fact that if they are receiving patients private information and not being authorized to do so is a serious infraction against the hipaa laws set forth to protect patients. I have tried to validate this debt in the manner that I am suppose to do following the law and the law is continuing to be broke by this company. On another note this company reports that I supposedly seen a doctor on XX/XX/XXXX but claim this account was opened mXX/XX/XXXX which is 9 month before they claim I saw a doctor I do not even know how that is possible.
Product: Credit card or prepaid card

The company ( MyPrepaidCenter.com ) is selected by various merchants to provide Rebate Prepaid Cards after you have purchased something like tires. I received my Prepaid Card a few weeks after purchasing the tires. The card comes with advertising to " XXXX XXXX for 5 % Back ''. I elected to try to take advantage of this offer & verified I used the card at a company on their select list. After my purchase - they are supposed to add the 5 % of the purchase back on the card to be used. The first time this happened when I bought some pool equipment - I was finally able to reach someone by phone & after about 5 phone calls they added the 5 % to the card. This time however - they have eliminated all phone support and you have no way to get this resolved for the funds promised. This is just truly a scam and very convenient that the card expires this month - so there is no time to resolve the matter. I followed their written instructions and verified the card was used at a participating company still listed actively on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX I watched in real time abs in horror as fraudulent transactions nearly wiped out my account. In total, it was {$750.00}!! Getting in contact with Skrill, the company, was hard enough, however, I had to fill out not one, not two, but 3 different forms on my own with ALL TRANSACTION numbers. I can only contact the investigators, an outsourced team, via fax and I guess email. No one at XXXX gives me consistent information and actually sent two emails to me in error. Now it is XX/XX/XXXX and I am still without my money being returned to me even though I have proven that these two companies out of XXXX charged my account multiple times without my consent or knowledge. Please help ASAP!!
Product: Student loan

I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.
Product: Mortgage

The company threatening me with foreclosure may not be the holder of my note and I am unsure who is my servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.
Product: Debt collection

I received a collection letter from CBM dated XX/XX/2020 for a medical debt that does not belong to me. Attached was an itemized bill for an account number XXXX for a patient named XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, MI XXXX. The bill stated the patient had a new office visit, a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a XXXX XXXX XXXXXXXX. The doctor was XXXX XXXX XXXX, M.D. As a XXXX XXXX XXXX I know whos ever documentation this is, the fact that I have it is a breach of HIPAA and confidentiality. I ask that CBM immediately cease collection attempts against me for a debt that does not belong me. I have never been a patient of this physician, nor have I ever had a XXXX XXXX, or XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XX/XX/year>
Product: Checking or savings account

i requested XXXX XXXX payments from a clients totaling XXXX, the deposit went through no problem it wasnt until i ordered product and balance got down to XXXX is when navy federal froze the account and informed me the XXXX  payments was done fraudulently .immediately i reach out to my customer to inform her what the bank said. she had me meet her her branch bank to talk to the manager who informed us that nothing was done fraud or improper on her in and the problem was solely navy federal doing.now they have held my money hostage for almost XXXX month and will not do anything to release my money. for the life of me how can it be anything fraudulent done and i have a positive balance. they've sent bank statements since this happen in XXXX. if this was done by fraud and i spent all but XXXX why dont i have a negative XXXX showing in the account? i have been XXXX and XXXX XXXX XXXX due to this issue.
Product: Checking or savings account

On XX/XX/2019 Chase closed my account. Without any notice. The letter I received stated that funds would be sent out within 10 days from that date. Please see letter. I received a call from a representative who said it was mailed out on the XX/XX/XXXX. As of the date of this complaint. I have not received funds from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that arent mine. Please have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX XXXX and Transunion as well as to XXXX regarding this. They claim they have investigated it but they have not.