23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?
Product: Student loan

Subject : Chase Private Student LoansSchools attended : The University XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX elected to defer my loan principal and interest while in school. I was graduated in XXXX XXXX from XXXX and I have been making the required payments since XXXX/XXXX/XXXX even before the grace period. After capitalization, the principal balance stayed constant at {$16000.00} from XXXX XXXX to XXXX XXXX although I was making payments. Again, the principal balance stayed constant at {$15000.00} from XXXX XXXX to XXXX XXXX although I was making payments. 

I requested explanation from Chase Student Loan Customer Care why the balance is not reduced with every payment like when I use online student loan calculators that are showing more than {$20.00} reduction in principal with each payment. Chase response was that the payments are applied first towards the interest, then fees and other charges if any, and then the principal. No more explanation was given although I asked a response from a supervisor and clearly stated that it seems I will stay making payments forever! 

My cosigner helped me to understand how this is working. It seems that Chase intentionally is sending statements with underestimated payments that would keep me paying interest only without seeing any reduction in the principal. For example, I paid {$200.00} on XXXX. The statement came back with a required payment of {$120.00} by XXXX. This {$120.00} is less than the interest amount I calculated ( 10.75 % x {$15000.00} / 365 days x 31 days = {$140.00} ). 

I think this is malpractice. I believe student loan statements shall be as accurate as possible showing a Good Faith Estimate which seems not the case for Chase Private Student Loans. How I am going to pay off my loan if I follow the statement and pay only what is required! I would be losing hundreds or may be thousands of dollars each year if I follow their statements. 

In addition, Chase sold my loan and is transferring it to XXXX XXXX XXXX ( XXXX ) by the end of this month. 

Would you please look into my complaint and attached documentation? 

Thank you,
Product: Consumer Loan

I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.
Product: Credit card or prepaid card

XXXX XXXX has decreased my credit limits and closed an account. These accounts that I have had for at least 5 years and have never been late on a payment and have recently paid off all my balances. My credit score was XXXX when they started dropping my limits and closed an account causing my credit score to drop and also being embarrassed when I went to use these cards. I feel the bank did this because I was not using my cards at the time due to buying a house and therefore they were not making any money on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax have kept this negative nasty collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other two bureaus as experian also is showing it as a charge off and equifax shows it as a closed account which is innacurate and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX In 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Hello : I had this 1st mortgage loan when I purchased my condo back in XX/XX/XXXX. XX/XX/XXXX.  When the economy collapse same our property value and we lost our jobs. We tried in the past to have a loan modification, principal reduction submitted documentation and never an answer with Chase. 
We were lucky to come back and continue with our lives even thought our condo was n't value at the price we paid for. 
Now after 12 years I had another unfortunate even and I 'm dealing with XXXX. I lost my job because I need medical treatments and appointments. I 'm take medication to battle this XXXX. My family has been a tremendous support for this. Since they are helping to continue paying mortgage, property taxes, HOA and other general living expenses. I applied for a mortgage modification back in XX/XX/XXXX. I was asked to provide a series of documentation and proof of paperwork, which I did. Now after 10 months in the process the modification still in progress. Chase had changed more than 10 times relationship managers, they are procrastinating with my file, they do n't provide customer service, they are um professionals, no courtesy no respect to a great customer for Chase. I had never been defaulted, never missed a payment and here I 'm requesting modification based on my hardship. I had been asked for same documentation all over again. Even though documentation was already provided. they are a joke. These employees are just not serious enough. I have been discriminated by their employees because I 'm XXXX and they think I do n't understand the law or the financial regulations and process. But I will say that I have been documentation every conversation, documentation and so on so I have an strong case to proof all the aggravation I had received from Chase. At this time I want you to enforce and try to assist on with this case. We want Chase and the loan modification  department to give their final answer on our loan modification. All documentation has been faxed to Chase from their branches and I have copies of dates and times that when documentations were provided. So I do n't want for them every month ask me for documentation that they already have on file just because they keep changing relationship managers. 
I 'm ready to go to the President of the United States, Congress and the press in regard to the discrimination and predatory lending that Chase has put me. 
Any help is greatly appreciate it. 
XXXX XXXX
Product: Mortgage

Good evening, I have over the last 4 days been communicating with BBVA, mortgage department as well as their client care ( resolution ) department. On XXXX XXXX alerted me that BBVA had reported negative information to all three credit bureaus. They were reporting that I was 30 days delinquent. I contacted BBVA via their client customer service 1-800 number that I found via their BBVA online website. I spoke to a representative who stated that he could not help me and he needed to escalate my concerns to BBVA client care escalation unit. I mentioned to him that I did not make my mortgage payment 30 days late and provided him with reference and confirmation numbers for the payment that I made on XX/XX/XXXX. I advised him that there was a payment error that client support advised me of on XX/XX/XXXX when I called in and I had to pay online. I also advised him that rather than pulling out 1 mortgage payment, BBVA had withdrawn 3 payments from my checking account. He advised that he had forwarded my complaint. On XXXX BBVA client care analyst, XXXX XXXX contacted me and advised that they could not locate my payment with the information I provided them that came directly from BBVA website. She stated she had no way of tracking my payment with that confirmation number that BBVA website provided me. I advised her there had to be a way to track payment. she mentioned that there was no way that BBVA compass systems could track the initiation date of a payment only the date that BBVA executed the payment. I advised her that I could send her an email that I sent myself with the reference number showing the time that I forwarded it to myself there for proving that I had made the payment prior to their cutoff time of XXXX XXXX. I sent her that information as she requested and she advised that there was nothing she could do to help me. when I advised her of my rights under the Fair credit reporting act and how the lender had to ensure that the information they were reporting to the credit bureau was accurate, she all of a sudden said that they had found a way to track the payment and that I made it on XX/XX/XXXX when they prior during a recorded phone call, please reference that phone call she had stated in the payment had been made on XX/XX/XXXX. I then asked XXXX XXXX, the BBVA compass client care analyst, for proof of the system documentation showing that she had tracked the payment. She declined and then I asked for my complaint to be escalated through her hierarchy and she declined. I advised her that I had provided her with all documentation I had and I could also provide her with XXXX XXXX  statement showing that BBVA not only took one payment but three payments due to a system error on their part. She would not further help me and refuse to forward my complaint. she advised that they would keep the negative information on my credit report and that they did not need to provide me with any documentation showing how they got to the accuracy of that even though it was conflicting information with the documentation proof I had submitted to her. I need help.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX they financed it through credit acceptance. They switched the income I provided them with in order to push through financing now I'm stuck making weekly payments I can not afford and it has ruined my credit.
Product: Debt collection

In XX/XX/2021 I created a XXXX account which someone gained access to unbeknownst to me they applied for Paypal credit. While attempts were made to pay the credit back at a point I was unable to continue payments and payments stopped. I was unaware of the credit sepugte process so I attempted to pay the debt. Once I was made aware I disputed with XXXX that it wasn't my debt despite it being in my name but the debt was never placed on its original owner ( Unaware of who gained access ). I've recently had an issue with someone gaining access to another on of my paypal account and while I attempted to cancel the account paypal has only allowed me the option to limit the access on my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding XXXX XXXX XXXX XXXX reported on my credit file. Despite my initial request, this account remains inaccurately listed. I am once again disputing the validity of its continued reporting and formally requesting its immediate removal.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation and accurately report only verifiable information. Additionally, per the FCRA 15 U.S.C. 1681c ( a ) ( 5 ), paid, settled, or otherwise resolved accounts should not continue to be reported in a manner that negatively affects my credit standing.

This account was settled, and as such, it should not be reflected in a derogatory manner. Reporting settled accounts in a way that suggests an outstanding balance or unresolved status is misleading and violates the accuracy requirements of the FCRA. 
I am requesting that Experian take the following actions : 1. Conduct a proper reinvestigation as required by law. 
2. Delete the inaccurate reporting of XXXX XXXX XXXX from my credit report. 
3. Provide me with an updated credit report reflecting these corrections. 

I have attached supporting documentation, including proof of settlement and any previous dispute correspondence, to aid in your reinvestigation. 

If this matter is not resolved within 30 days as required under the FCRA, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please confirm receipt of this request and provide an update regarding your findings. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Product: Credit card or prepaid card

I had a balance transfer offer on my account for 0 % for 15 months. I proceeded to transfer {$5000.00} from another card which posted to my Capital One account on XX/XX/XXXX, and I was charged a 3 % fee. When I received my new statement on XX/XX/XXXX, I had {$160.00} of interest charges ( based on the entire balance of the account ). I called Capital One and they stated that the offer I used was based on 15 month from the date I opened the account in XX/XX/XXXX. I questioned why an offer from that long ago would still show up a month or two before the promotion ran out, because it makes no sense for me to pay a fee to transfer my balance for that short of time. I also stated that I felt it was extremely deceptive to have an offer available like that. The person I was speaking with told me there was nothing they could do, as did the supervisor I asked to speak with. The statements don't show a date that the promo balance expired so I didn't realize I was accumulating interest until the new statement arrived, so now I've paid a {$150.00} transfer fee and {$160.00} in interest when I would have transferred the balance to a different card had I realized what was happening. I'm sure the dates were listed on the offer, but being XXXX, and considering these offers widely expire after XXXX of account opening, I thought I had close to the full 15 months. Now I am paying another fee to transfer to a different card only a few months later!
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid delta management for a collection from XXXX XXXX an they did not report it to XXXX XXXX  so now my score has been impacted???
Product: Bank account or service

I went to my local Bank of America branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Bank of America and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Bank of America was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information was compromised and Im now seeing a CLOSED account from XXXX XXXX that was applied for fraudulently on XX/XX/2022 reporting on my credit report I have not applied for anything and this is not my account. 

I have file a police report with the XXXX XXXX XXXX and have filed a report in reference to this account XXXX  XXXX
Product: Student loan

Approaching my payment period, I began looking at of my loans and was rather confused. I first set up my bank account- which I found out later was the incorrect routing number ( my fault ). However, upon the payment bouncing back due my incorrect bank account number. I was called multiple times basically being chastised that something was wrong but they would not help me figure out the solution. So eventually, I retyped all of my account information in a second time but then at this point I had to pay double payment which I am thankful I had enough money. I do not think I should have had to double pay when they could not help me figure out what was wrong. Furthermore, I continuously called to check and try and solve my own problem. On top of that Navient gave no further assistance on my military payments when I thought I needed at XXXX for my taxes they had no clue or any direction. They only focus on what they need and do not care about customer service or finding a correct response. Also, I believe there should be a calculator for students on the site for them to try to pay off their loans before 10 years to save loads of money on interest. So many students will default on their loans because of this. They do not assist you with paying them back at all just complain until you do.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

On XX/XX/2021, I sent Advance Bureau of Collections, LLP documents to validate the alleged debt that they placed on my consumer report. They received the documents on XX/XX/2021. 

In return, they sent me a copy of a typed statement that was written by their employer, which was not the documents I asked for. 

They did not send me the documents that I asked so, therefore, Advance Bureau of Collections, LLP needs to remove my personal information from their system and remove and delete this account from my consumer report. 

I am the consumer according to 15 USC 1692, I do not owe any debt and I'm not obligated to pay.

I am an administered agent according to 15 USC 1602 o so therefore the social security card belongs to SSA, I have to give it back at their request, which means I do not owe any debt attached. 18 USC 8 will provide this information
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. 

CREDIT INQUIRIES ON MY XXXX REPORT FOR ACCOUNTS NEVER APPLIED FOR ( XXXX ) XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ADDRESSES THAT ARE NOT MINE ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX ACCOUNTS THAT ARE NOT MINES ; ( XXXX ) XXXXXXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX XXXXXXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX XXXX XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}