23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Remove and delete all information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, 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 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Checking or savings account

On XX/XX/XXXX I received two XXXX one for XXXX and XXXX XXXX is closing my account because they said too many XXXX deposits. First they said due to close XX/XX/XXXX now its XXXX Every time I call Im getting different reasons why Im unable to close the account and get the {$7800.00} thats in my account.
Product: Checking or savings account

On XX/XX/XXXX I went inside my nearby Chase Bank to cash some savings bonds. I went to the bank and was told i would receive XXXX $ in true amount they had matured into. On XX/XX/XXXXXX/XX/XXXX the DAY BEFORE XX/XX/XXXX WITHOUT WARNING OR PERMISSION took out XXXX XXXX After almost a month they just decided to take money out of my account and said it was an error on their part but offered no apology and said it was authorized. It wasnt. I was planning on using that money for rent and my basic needs and because of a mistake they made they were just allowed to take the money out?!?? They didnt even tell me or ask me but just did it right before the holidays. It ruined my XXXX!!! They take out overdraft fees as fast as they can when I make a mistake and wont give it back but when the bank makes one they can TAKE EVERY CENT FROM MY BANK ACCOUNT. 
Whats worse is that since they out my account in negative, an app of mine out money in to stop an overdraft fee but now I owe another company money because of what Chase did.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear Consumer Financial Protection Bureau : This complaint is against JP Morgan Chase Bank. 
This is a complaint of discrimination in the form that I applied for a Home Loan with JP Morgan Chase Bank and gave JP Morgan Chase, my name, date of birth, and social security number to run and check for verification as well as to obtain all legal documents needed for verification such as a XXXX XXXX, and Veteran Administration verification of benefits, records, and debt with the Department of Veteran Affairs and the Department of the XXXX. Both agencies should have provided JP Morgan Chase with official and legal records to process loans # XXXX & XXXX. 
I am asking CFPB to obtain the PROPER RECORDS JP MORGAN CHASE BANK should have after using my signature, name, date of birth, and social security number that Chase Bank should have to support such organization 's reason to deny releasing such PROPER RECORDS and to deny such loan under loan # Attached is a PROPER RECORDS from JP MORGON CHASE that will need in return PROPER RECORDS to support such records and to support the reason this loan did not go through. I need PROPER PAPERWORK.

I need PROPER JP MORGON CHASEs records to be provided and given to the next financial institution for a proper legal process.
Product: Student loan

I attended an off campus adult program, run by XXXX XXXX campus. The courses were given at a XXXX school, and was a BA program for adults. I received my share of Pell and TAP. And everything was costing me nothing out of pocket. After 2 or 3 semesters, we where told the program was ending, and we had to continue our courses, at the main campus. The problem with this is the tuition rose to XXXX a semester, and I was forced to take out loans. I 'm now over {$50000.00} in student loan debt. And I received not a dime. Nor was I able to continue. I would like this loan forgiven due to the fact the actual school and or program was shutting down and moved resulting in higher cost. Which I did n't sign up for. Please I 've been fighting this for numerous years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.
Product: Payday loan, title loan, personal loan, or advance loan

Yes One Main Financial is misleading pre-qualification and their ad is making it seem that you approved of the loan it is very tricky and misleading and also I didn't know it was going to affect my credit score to do a pre-qualification usually is a soft pool of anything but why is there two inquiries it should have only be one but I see that two was put up there and I did not give information for my full credit score to be pulled
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I makert inaccurate. Member ID : XXXX.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my credit report with Equifax. alot of invalid data is errors made by the creditors. this is my 2nd attempt to process disputes on these items. none of the listed data is correct on all 3 credit reports. please review an delete all information listed on the files asap.
Product: Money transfer, virtual currency, or money service

I reported in XXXX of XXXX that I had unverified payments sent through XXXX through both my XXXX and Chase account totaling almost {$4000.00} that had happen in XX/XX/XXXX. They let me know that nothing would be protect this money and that there was nothing they could do. I was quiet upsetting as they closed this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service CERTIFIED MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information.

15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Product: Debt collection

This account donot belong to me at all and i would this removed off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Pressler and Pressler, LLP of XXXX, NJ is a debt collector/law firm, they buy up credit card debt for pennies on the dollar and than file in superior court and have he constable serve you with out trying to pay.
Product: Mortgage

Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.
Product: Credit reporting or other personal consumer reports

I have placed a dispute with this creditor XXXX XXXX, XXXX, and Equifax in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and Equifax failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and Equifax have not been properly investigating.
Product: Mortgage

In In XXXX of XXXX I lost my job due to Covid-19, I called my mortgage company, Sterling National Bank, in XXXX and asked them if there was anything that could be done. I was told that I could miss two payments and that the payments were going to just be added to the back of the loan and there would be on issue due to the fact of Covid. I missed XXXX and XXXX and then continued to pay my mortgage in XXXX. I found out in XXXX that I was put into " Lost Mitigation Forbearance '' for missing payments. 

I called Sterling National Bank numerous times, explaining to them that I was told I could miss the two payments and that is was illegal in NYS to do what they had done, to no avail. In the mean time they held onto my monies, in an amount of over {$10000.00}, and did not apply them to my mortgage. My mortgage continued to accrue interest all this time. In XXXX, I was told that the only way to get out of this was through a loan modification which add additional fees and extended my loan another 30 years, which is illegal in NYS. In XXXX of XXXX I finally got out of Lost Mitigation. In XXXX of this year I called them to rectify this situation, but it fell on deaf ears. 

On XXXX of XXXX my balance was {$320000.00} and in XXXX of XXXX my balance is {$320000.00}. How is this possible?
Product: Credit reporting or other personal consumer reports

I had bad credit so i decided to get something that would help me fix it, i decided to go with XXXX XXXX because they advertised that they would accept and fix low credit. Latey i have been checking my credit to ensure im getting it back on track only to find out XXXX does not report to any credit bureaus. They give out a {$2000.00} loan and i make all the payments but it is not helping my credit score at all because they are not reporting. Isnt this illegal? I brought up the questions and concerns to the XXXX team but they continue to say they have never reported even though my confirmation emails say in fine print that they regularly report to equifax. Something with the XXXX XXXX is fishy it has to be a scamming company.
Product: Vehicle loan or lease

GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.
Product: Credit reporting or other personal consumer reports

I dont know why Im in Chex System record. I just found out today as I pulled my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing with regard to three late payments reported in XXXX, XXXX and XXXX of XXXX. I lost my job at XXXX  XXXX XXXX in due to COVID-19. As a result, I missed my XXXX payment. I continued to make one payment as I could monthly, but because of the first missed payment, it shows that I continued to be behind one payment. A payment was made on XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX, ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$330.00} ), and XX/XX/XXXX XXXX {$330.00} ). I contacted Credit Acceptance shortly after I lost my job to inquire about payment options due to COVID, and I was told and received a notification that payments would still be due and that nothing could be done. I called again, explaining everything above, and was told by a male representative that I should dispute the missing payment with the credit bureaus. I did so, and the dispute was denied. I called again after this on XX/XX/XXXX, and was told by a representative that my account was placed under the COVID protected status, and that she did not understand why the payments were reporting late because of the status. I have done my research, and have found that many customers are being affected by the late payments being reported while in the COVID protected status. 

The late payments, reporting with all 3 bureaus, have caused my credit score to drop severely. I have been able to get a better job with a new company, and have been able to get back on track with my auto loan payments. I am in the process of purchasing a new home for myself and my two children, and it has come to my attention that the late marks prevent me from taking full advantage of the best interest rates available. I am requesting that you please give me a second chance at a positive credit rating by revising the late payments. I sincerely hope that there is redemption at Credit Acceptance, and I plead for such consideration.
Product: Credit card

I paid my American Express Delta card one day late due to the global IT outage that affected airlines and many financial entities on XX/XX/XXXX. The money to pay the bill was coming from XXXX which was down for 3 days. I have about {$1000.00} in related interest charges. Ive gone through all the appeals processes with American Express and they will not refund. Ive been their client for 27 years, spending $ XXXX plus a year. 
Since then, Ive paid my bill weeks early. 
My argument is falling on deaf ears after many hours on the phone.. Horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau and still no response. I have fought and served my country I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to emotional stress you have caused me. I have a veteran who suffers from XXXX and this is only adding to my stress level of the inaccurate, unverfied accounts being negatively reported. It is not my fault that my information impacted by the XXXX data breach and now I having to fight to prove whats right and whats wrong and these bureaus are not on the same page as far as accuracy because each one says something different so how can that be accurate???