23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Aidvantage reported to XXXX that there were missed payments on 2 of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with Aidvantage remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with Aidvantage or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with XXXX and Aidvantage to notify them of this error. XXXX suggested that I open a dispute. On XX/XX/XXXX, XXXX closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the Aidvantage representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the XXXX dispute is closed. 

On XX/XX/XXXX, I called Aidvantage to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, Aidvantage has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove the fraud alert on my credit report. Multiple attempt have been made and they still will not acknowledge my form to have it permanently removed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX
Product: Vehicle loan or lease

The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done
Product: Debt collection

Common wealth finance at Address : XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX has been sending me collection notices in the amount of XXXX dollars. The collection has a pass due balance. I do not know this company and never done any business with this company as. So theres no contract with a signature from me saying I agree to pay them.
Product: Mortgage

This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : Late Payments Being Reported : 180 days past due as of XXXX XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX
Product: Credit card or prepaid card

I contacted XXXX XXXX XXXX to inspect and clean our chimney. The site seemed professional and had pictures of their service trucks and workers in uniforms. We were told cleaning would be {$150.00}, in line with what we have paid in the past. On XX/XX/XXXX a late model minivan pulls up to the house, a young man ( maybe XXXX yrs old ) in a disheveled hoodie and jeans comes to our house carrying an old vacuum cleaner and asked to borrow a broom and dustpan. I was very nervous and uncomfortable with him in my house. He didn't inspect the chimney, his vacuum blew dirt all over the family room and tried to upsell me to fix " cracks ''. I told him no, said I would pay for cleaning and wanted him to leave. 

He showed me the bill for {$150.00}, I gave him my credit card to pay and I asked for a copy of the invoice and receipt. He walked away got into his minivan and drove off. Then approximately 30 minutes later I received via email a receipt for {$750.00}! I felt like I was scammed/defrauded. I tried to call the company but nobody answered the phone. 

I then immediately called Bank of America, explained what happened and feared that I was just a victim of fraud and not to pay the fraudster the {$750.00}. Pay the {$150.00} as that is what I agreed to but in no event pay {$750.00}. I was told that Bank of America needed to let the charge go through and I could then dispute. I said that makes no sense, I agreed to pay {$150.00}, they may have committed fraud and Bank of America should not pay it. They said that is their process, they need to pay the full {$750.00} to the merchant. 

Bank of America let the charge go through, I sent them a letter as per their request putting the above in writing ... and on XX/XX/XXXX received a letter saying my claim for {$600.00} was declined BECAUSE I DID NOT PROVIDE BANK OF AMERICA WITH A COPY OF THE ORIGINAL SALES SLIP OR OTHER DOCUMENTATION INDICATING THE MERCHANT CHARGED THE INCORRECT AMOUNT!!! I told Bank of America right after this fraud happened that I was shown an invoice for {$150.00}, I gave my card to pay that, when I asked for my receipt the fraudster drove off and then sent me the fraudulent receipt for {$750.00}. 

My husband and I have been very loyal customers with Bank of America for the last 15+ years and to be treated this way ... after getting defrauded ... is despicable. Bank of America touts on their website that " [ y ] oure protected by Bank of Americas {$0.00} Liability Guarantee : Fraudulent transactions made using Bank of America credit and debit cards are covered by our {$0.00} Liability Guarantee as long as you report them promptly ''. I would really appreciate it if you would compel Bank of America to live up to their " {$0.00} Liability Guarantee '' for me and to ensure they don't treat any of their other customers going forward in this manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I exchanged a phone. I had a certain amount of time to return it. In order to gather personal info from the phone, I requested and was granted an extention. I then returned the phone. They have the phone and noted that it was returned, but still charged me the full amount and claim I did not return the phone on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, my credit score has always been above 800 until recently. 

I opened a XXXX XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from XXXX notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. XXXX 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with XXXX XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to XXXX XXXX regarding the same on XX/XX/2023 and notifying them I have dispute XXXX Report..
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2020 I had to have XXXX to remove my XXXX. On or about XX/XX/2020 I had a payment to come due and could not pay it due to me being out of work from my XXXX. So I spoke to one of the ladys at One Main in XXXX, SC about my payment and what I needed to do about it and she told me that I could do a partial payment on the payment that was due as to which I did. Then on or about XX/XX/2020 I had a payment come due with the same company so, I spoke with them on this matter and they granted me a partial deferment payment on my account. Then in XXXX of XXXX I was still not able to work all that much due to the pain that I was going through and what money I did make I had to pay other bills to keep from going under. I did go back and see my doctor and they sent me to a XXXX were I found out that I have XXXX XXXX which is why I am still having problems. The XXXX that I seen that found the XXXX XXXX has put me on light duty work for an unspecified amount of time.Then on  XX/XX/2020 I received a phone call from my doctor telling me that I needed to go be tested for COVID-19 because one of the ladys in there office tested positive for it. Now I am out of work until I get the results back.So I have not been able to pay on my account for 2 months because of not being able to work that much and other bills needing to be paid also. Also my bank account has closed due to it being compromised so I have no way to pay my bill online. This whole time they have been calling me about this sometimes after XXXX XXXX, and I have informed them of the situation. Well on XX/XX/2020 I received another phone call after XXXX XXXX and spoke again with one of the ladys at the XXXX, SC office about this issue and she informed me that I needed to let some of my other bills go to pay them or my account was going to be turned over to collections. They are asking me to pay {$410.00} immediately but, I do not have it because I am out of work now, and do not know when I am going to be able to return to work due to this.
Product: Debt collection

I contacted this company to supply my Medicaid information to have this account rebilled. I have given the insurance information several times to the original creditor to bill. I have contacted my Medicaid representative who states per federal law this debt is not owed and the claim has been processed. I contacted the company to try and resolve off my credit and I was told there is nothing they could do. I am not responsible to pay this debt and it needs to be removed as it is causing me a financial hardship.
Product: Debt collection

Procollect is a collection agency I guess for XXXX XXXX XXXX. I paid the XXXX XXXX XXXX in full. Procollect is stating on my credit bureaus I paid their collection company and stating a different amount. They r dishonest and inaccurate I have disputed this and the credit bureaus said it was validated. Which is not true. I gave copies of my money order receipts I paid to the XXXX XXXX XXXX to all 3 credit bureaus. And procollect changed the amount I had paid to an inaccurate amount. but still not to the accurate amount. I want this account immediately removed or I will sue procollect and each of the credit bureaus for dafamation of character
Product: Credit card

Okay so I have been a XXXX my whole life making {XXXX XXXX XXXX and living off cash and I wanted to a car and I needed a credit card because you can't do anything without one and the person on the phone promised me that it would be like a prepaid loadable card I wouldn't get charged any interest and every time I made a payment it didn't give me what I put in I'm not the smartest person in the world and the man on the phone knew it and now my life is ruined from a credit card
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of a student loan account XXXX ( Account Number : XXXX ) on my credit report by TransUnion and XXXX XXXX This account is reporting several errors, including an incorrect open date, date last active, and date of last payment. Additionally, erroneous payment information is being reported, specifically 120 days late consecutively for XXXX, XXXX, and XXXX XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as such payment reporting is not permissible. 

Furthermore, during the COVID-19 pandemic, my payments were deferred, and I was protected under the CARES Act. Reporting missed payments during this period is inaccurate and harmful. Notably, XXXX has already deleted this account due to its inaccuracies. 

I demand the immediate deletion of this account from my credit report. If this account is not removed within 30 days, I will proceed with litigation against TransUnion and XXXX for their noncompliance with federal law. I have attached all supporting documentation for this loan, including evidence of the account 's inconsistent and inaccurate information.
Product: Credit card or prepaid card

I placed an order ( ORDER # XXXX ) on XXXX using my Discover Credit card. Order was delivered completely damage due to Rain. I informed XXXX that order was delivered and left outdoor in the rain which damaged the item and requested returned. 
XXXX fully agreed to return item, however XXXX never scheduled a picked up as agreed. I attempted numerous time to reach out to XXXX to get that matter sorted still no luck. 
I contacted My Discover Credit Card company to dispute that order of {$500.00}. Discover refused to dispute the amount. Discover Never attempted to properly address my request to dispute the charge. I was instead questioned numerous question and profiled as a liar. 
I stated having documentation from XXXX with statement that they will refund my money within 3-5 business days. Still Discover is not willing to reserve the charge. 

XXXX approved refund however Discover Credit Card is not willing to process that refund. 

Discover is discriminating based on phone voice and accent. As soon they notice you don't have their ( that weird American accent ) they automatically service you the way they want. I was service by 2 white female with rude and savage attitude. Very rude and not even pleasant to talk to other than fight. they make up their own policy and change them at any time. all those TV ads and commercial are fake and wrongly done. 

I am sure cancelling all my discover services with this XXXX company. By the way this is not the first time I am dealing with this company. this time I believe they too far and I am reporting them.
Product: Payday loan, title loan, personal loan, or advance loan

did not sign anything with Tower Loan or XXXX XXXX for them to check my credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried paying my bill using their website. It showed that my payment went thru but 30 days later i got notice that they never received my payment and put a 30 day late on my credit report. i immediately called them and paid the bill and never used their website again to pay my bill but the 30 day late is still on my report and has damaged my ability to get the best rates on home and auto loans thru no fault of my own.
Product: Credit reporting or other personal consumer reports

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization related to my consumer information as protected under the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 6802. 

As a federally protected consumer, I am exercising my rights to control the disclosure and use of my nonpublic personal information. 

Entities Involved : TRANSUNION, 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 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  This request applies to any and all written, unwritten, verbal, and non-verbal authorizations provided to you. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX  The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XXXX - Amount : XXXX XXXX Fraudulent Inquiries : 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 ( XXXXXXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX  and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Saturday XX/XX/XXXX I received a CP2000 form from the IRS. It stated that I had 2 disbursements that I did not account for on my XX/XX/XXXX Taxes. Upon inspection there where two that pointed to JP Morgan / Chase Bank on a retirement account ( CD ) that were distributed to me. The account information states that it showed my Social Security Number ( SSN ) and gave the details of it being from a Chase Bank Retirement CD. I called the Chase Bank 24-hour phone number and asked them to look up my SSN to see if I had any accounts on file with Chase - as I have never used Chase Bank for anything. They stated no they had no accounts for me and told me to go into a local branch bank on Monday to get more information. I also called the IRS to ask them more about this item. They told me to get a letter from the bank on Chase 's letterhead stating that I had no accounts with them and the IRS then would investigate and remove this said money due. After waiting for three ( 3 ) days to hear back from Chase because the branch manager " wasn't available '' for whatever reason, I finally was told that because I have no account on file, they can not draft any letters on my behalf and had very little concern for my issue. I then went home and called the IRS again. They have since ( with my permission ) sent a payor letter to JP Morgan/Chase to request them provide proof that that debt is mine. I was told that I have to give it 30-60 days for the letter to be mailed by IRS, received by JP Morgan/Chase and then responded to by JP Morgan/Chase. Since the Chase Bank helpline and the branch bank both show no record of me having an account, I expect this issue to be resolved. But if they come back and refuse to remove this debt from me, I was told that I might need to seek other means to resolve this. After talking to the IRS, they stated they only go to the taxpayer for this when the financial institution reports this income to IRS. The fact that Chase Bank showed little concern for my problem and refused to assist when this is clearly their error is something that I am bringing to your attention and ask if you will please investigate this matter and help me and others not fall victim to this kind of treatment and mistake by JPMorgan/Chase?