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

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} XXXX XXXX  XXXX XX/XX/XXXX {$XXXX} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I purchased a XXXX XXXX treatment plan from XXXX ( Parent Company : XXXX XXXX XXXX ) on XX/XX/XXXX ( according to the debt collector XXXX XXXX ). I was told XXXX does not handle their financial collections in-house but through Ally Lending ( at the time ) and they were going to set me up on a payment plan, but I was told that I could pay it off in full or in larger sums if I wanted to. I had my first appointment on XX/XX/XXXX and decided I wanted to pay the treatments off in full so I didn't have to worry about making payments so I called Ally Lending on XX/XX/XXXX and made the full payment over the phone for {$4700.00}. I have documentation in my bank statements of this payment to this company. I continued to receive mail from this lending service, saying that I still owed the full amount and was being charged interest. So I called Ally in XX/XX/XXXX telling them about the mail and after providing documentation, I assumed the matter was resolved. I continued to receive the same debt mail from this lending company for months after, but I didn't think anything of it and thought they were sending it to me by accident because I 1. had already paid, and 2. I called them to resolve the issue and they said it was resolved. Now it is XX/XX/XXXX and I am receiving calls from XXXX XXXX debt collectors saying that I still owe the {$4700.00} and they have no documentation of me ever paying. So now I am trying to resolve this all over again by giving them a copy of my bank statement showing that I paid the full amount almost 2 years ago. I just checked my credit score and this specific issue has dropped my score well over XXXX points ( I previously had an almost perfect score ). This has been an absolute nightmare and not only am I having to deal with the tedious task of getting this resolved. I also have to prove that I've been falsely reported for debt with creditors so I can attempt to fix my credit score. It's not fair for someone who has done the right thing, paid all the bills on time, etc to have to experience detrimental damage to their credit score ; which is one of the hardest things to resolve and necessary to be eligible for pretty much anything.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in MONTHS REPORTING LATE to be removed.

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.

This company 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX someone placed an auto loan in my name through Bank of America. I have no recollection of it when I found out about it I called them and they gave me a real hard time. I tried to explain to them that I live in Nevada and they explain to me the vehicle was purchased in South Carolina from XX/XX/XXXX to present day they have yet to remove this off of my credit profile
Product: Debt collection

I am writing to request your help and notify that my rights as a consumer are not being respected. JP Morgan Chase Bank is reporting inaccurate information on my account. My account information is : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$6100.00} ; Status : Closed. I will explain why JP Morgan Chase Bank is committing multiple violations to the FCRA. 

On date XX/XX/XXXX to XX/XX/XXXX, natural disaster Imelda impacted Texas. I tried to solve this big issue with Chase by phone when I called right away once I realized of this negative remark on my account. They refused to help me, stating that my county was not affected by this natural disaster. I told them that my county ( XXXX XXXX ) is right next to XXXX county and XXXX county, which were declared as affected and that if XXXX XXXX was not on the list of the affected counties, it does not mean it didn't hit my area as well and that I needed help. 

I want to state clear that this was not a money factor issue ; I did have the money to pay. It happened that I had to go out of town because I was afraid of what could happen because of this storm ; so the disaster did affected myself ; and still they refused to help me. When a natural disaster happens, the level of stress is too high and it affects all areas of our lives. This is exactly what happened to me. 

Even worst, I processed the next payment ( the payment for XXXX ) by the end of XXXX, and they are reporting a late again! This is completely out of the reality. JP Morgan Chase Bank is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. 

JP Morgan chase bank is being unreasonable because I never received a late payment insertion by mail. This is a violation to the FCRA. They are also committing Breach of contract, Unfair business practices and violations to the section ( 609 ) of the fair credit reporting act by missing the affected by natural disaster remark on my account. The list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights, they are committing multiple violations to the FCRA and I am not the only one that is being affected. I have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If JP Morgan Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX was due. Proving this was not a money factor or even worst that I did not want to pay.
Product: Money transfer, virtual currency, or money service

XXXX.of XXXX XXXX XXXXXXXX XXXX  's federal student aid office ordered federal student aid loans without my consent nor the privacy act laws which is a act of invasion to privacy and is a act of fraud. The accounts to ACS Education Services, XXXX and the XXXX XXXX XXXX XXXX are wires sent to the school and are not refundable back to all businesses because they have no contract with to back thier invasion. 
The businesses in question were ordered to pay back their businesses for the loss from out of the business bank or out of their pay from whom ever is of the fault for credit loss. 
The credit paid for of {$1900.00} has to be refunded to my ownership immediately from both XXXX, and ACS Education Services as well as all businesses including XXXX, bank, XXXX XXXX XXXX, XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting account status and account balance for the following installment accounts below : 1 ) XXXX # XXXX 2 ) XXXX  # XXXX 3 ) XXXX  # XXXX 4 ) XXXX  # XXXX The account status should reflect PAID and the account balance should reflect {$0.00}. These accounts were included in a loan consolidation and XXXX  is NO LONGER SERVICING STUDENT LOANS.
Product: Debt collection

I have been paying on a XXXX Credit Card debt that went into collections since 2008. Initially my account was with XXXX XXXX XXXX. I made a balloon payment of {$1000.00} and paid {$150.00} per month for all these years. 

Recently my account was moved to Alpha Recovery Corp. and my payments of {$150.00} per month via my debit card continued. On XXXX XXXX approximately XXXX CST I answered my phone. A man on the other end asked, " Is this XXXX? '' I said, " Yes. '' The man then said, " What is your birth date? '' I replied, " Who is this? '' The man said, " I am not going to tell you until you give me your birth date. '' I said, " I am not going to give out my birth date to someone who wo n't even identify themselves. '' The man then said, " This is XXXX. '' I then recalled that I had spoken in the past to a man named XXXX with XXXX. I said, " Is this XXXX with XXXX? '' He replied, " No, I am with Alpha. '' I then said, " I remember you. We have spoken before. '' I then gave him my birth date. XXXX XXXX never disclosed he was calling to collect a debt. I had to guess and figure out who he was and why he was calling. 

XXXX XXXX with Alpha Recovery Corp informed me that my current payment arrangement had expired and I needed to pay the entire debt off now. I told him I was not able to do that and would need to continue the payments. I asked XXXX, " Who is XXXX? '' I asked him this because when the payments are taken out of my account my account shows the payments are going to a company named XXXX. XXXX XXXX told me his client was XXXX XXXX, which I know is not true. 

XXXX XXXX would not disclose how much I owed on the account nor would he provide a settlement amount. He did however keep insisting I use a credit card to charge a settlement amount to them. He threw out percentages, but never talked numbers. I have had this conversation with XXXX XXXX before and I informed him once again, that I was not going to charge an amount I would not be able to pay and get into financial trouble again. XXXX XXXX then said, " So you are refusing to pay? '' I explained to him I was not refusing to pay, but needed to continue a payment arrangement to which he just hung up on me. 

The next day, XXXX XXXX I called Alpha Recovery and requested that I be able to speak to someone other than XXXX XXXX about my account. I was put on hold and transferred to XXXX XXXX so I hung up. I also called Alpha 's complaint line and left a message, but never received a call back. I sent an email to their corporate office to no avail. 

After paying on the XXXX XXXX collections debt for nine years I think it is possible this debt is paid off! Yet, Alpha Recovery now has the debt and will not provide me with information nor have I been able to speak with someone who is reasonable and honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint XXXX on XX/XX/XXXX. Again I have never heard of this company. I will call to request a copy but COMPLAINT : When you pay XXXX to have your identity monitored below is what they monitor. XXXX isn't mentioned. If XXXX is being used by companies to report your credit history why are they not monitored? I am seeing many complaints on the internet from consumers that have similar issues with XXXX. See below advertisement on XXXX XXXX Website With XXXX, You Can : Monitor Your Credit Credit Score and Report Features Include : What You Need to Know : The XXXX Credit Score and 3-Bureau credit scores are based on the XXXX  Credit Score model. Third parties use many different types of credit scores and will not use the XXXX Credit Score or 3-Bureau credit scores to assess your creditworthiness. 
With XXXX  CompleteXXXX XXXX XXXX, You and a Second Adult Can : Monitor Your Credit Credit Score and Report Features Include : Bureau Credit File Monitoring1 Credit file monitoring and automated alerts of key changes to yourXXXX, XXXX, and XXXX credit files. 
3-Bureau Credit File Monitoring XXXX 3-Bureau Credit Scores and Report XXXX Credit Score XXXX Credit Score Monitoring Again, nowhere is XXXX mentioned. I want this checked into. If they can report me who reports them???????
Product: Mortgage

I applied for a mortgage from ELend.com. Part of the reason I picked this company is because they offered a {$500.00} check if your loan did n't close on time. Over the course of a month and half their representatives asked me for information covering every conceivable thing imaginable. I provided college transcripts, signed contracts, explanation letters, tax documents, and mountains of bank statements. Each time I provided what they asked for, they came back and asked for a new set of documents. Nothing seemed to satisfy their desire for more information. After over 45 days of meeting their demands I finally realized that they simply did n't have any desire to fund my loan. This has caused me to lose the ability to purchase the house I wanted. They are making excuses to why they should not pay the {$500.00} they promised. I feel like they did n't make a good faith effort to fund the loan. I also believe they are not fulfilling their obligations in providing me a with the {$500.00} guarantee. I respectfully request they credit me the {$500.00} that is guaranteed on their website.
Product: Mortgage

Applied for a Conventional Loan Refi & was denied because the lender thought I was to much of a risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Lexis Nexis was sent a letter notifying them of inaccurate personal information on my lexisnexis report. The Public Records information as stated on the report as well need to be removed as well. I have a letter from the courts that states they did not provide this information. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source Equifax Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX ( {$5000.00} ) XXXX XXXX XXXX XX/XX/XXXX {$11000.00} I HAVE BEEN TRYING TO FIX MY CREDIT, I SENT OUT MULTIPLE LETTERS TO EXPERIAN BUT THEY ARE NOT COMPLYING WITH 15 USC 1681e ( b ) ,15USC 1681i ( 5 ) 15USC 1681c THIS ISSUE HAS SIGNIFICANTLY IMPACTED MY ABILITY TO ACCESS CREDIT, HOUSING, AND EMPLOYMENT OPPORTUNITIES, CAUSING ME FINANCIAL AND EMOTIONAL DISTRESS
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX on XX/XX/year> to pull my credit report. This inquiry account is on my credit report twice. This is a fraud inquiry on my Equifax Credit Report. I did not give them permission to pull my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XXXX CARD, XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Debt collection

They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XX/XX/XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in 2018 and I settled all my debts. The original Creditor Citibank cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am a cashapp card holder. I have a business account with them cash app is allowing XXXX XXXX to make double authorization charges on my account meaning double charges they told me that they allowed XXXX XXXX  to force a double payment on my account which led it to a negative balance then told me that its nothing they can do and I have to wait ten days for it to fall off this is insane every customer representative I have spoken to was rude and basically told me thats it is what it is and they cant do anything about this problem they even hung up the phone on me multiple times when I called to address this issue.this is illegal what they are doing allowing merchants to force double payments on customers accounts cash app has poor customer service and they a robbing customers or at least helping or assisting merchants such as apple cash and others to pull this illegal move
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX This is another account on my credit file that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify correctly.My credit report is still showing inaccuracies.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Prepaid card

I purchased {$500.00} amex gift card onXX/XX/XXXX, and when I wanted to use it was declined and put on *HOLD* this is something Ive never experienced before. Please help!!! It saddens me to see AMEX doing this.
Product: Credit card or prepaid card

When will Salie mar offer contactless technology their cards are not the updated only chip when other banks have them tap and go contactless feature especially with covid but they dont
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00}.
Product: Student loan

Due to the pandemic fromMarch of 2020, Navient has been taking my monthly payment for my student loan and it has come to my attention that all payments were to be on hold. No one will answer my questions and being passed around from one person to another
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my account and scrore they did not provide the right information
Product: Mortgage

I am self employed and often work remotely outside the reach of phone service or internet. I asked for an address and addressee of Shellpoint Mortgage Servicing, a division of NewRez, so I can send certified or registered mail to a person in change and or send me payment coupons so when I am out of service so to speak, I can interact in a secure way and assure that payments are made and received with a chain of evidence that such things took place ( return receipts, registered and certified mail receipts ). They said they can not do it that way, all I can do is mail or make online payments in checks money orders or wire transfers. This is an un workable option for me. They have no recourse for my requests.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Chase Account XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.