23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed an initial complaint to receive debt verification from JCS on XX/XX/2021. A second validation of debt was sent to JCS on XX/XX/2021. Despite these attempts, Jefferson Capital failed to provide legal verification of any alleged debt. Since the requested information was never received, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Delete these inquiries. I am not informed about them, and the company did this without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.
Product: Credit reporting or other personal consumer reports

Equal Credit Opportunity Act says that everyone is EQUAL, I'm a XXXX XXXX  CITIZEN born HERE, you can not discriminate me and assume I'm late on my payments. Law FCRA section 60B, unauthorized and by law remove negative items from my credit and 15 U.S.C. 1666B says, 21 days or less before pay due date to mail the payment is past due, so to delete ALL late payments!
Product: Checking or savings account

We are having a terrible time with Chase Bank Fraud Department and need help and guidance. 
On XX/XX/year> we were approved for an insurance claim on our XXXX. XXXX Claim # XXXX in the amount of {$24000.00}. The check arrived made out to XXXX XXXX ( my wife and primary on the policy ) and XXXX  XXXX  XXXX. We live in XXXX, XXXX, the XXXX  main office is in XXXX XXXX We contacted our rep, XXXX XXXX, who advised us to mail the check to them, they would endorse and mail back after which we would deposit and start the repairs. We confirmed this as the correct procedure with XXXX. This took some time, but we finally got the check deposited. 2 days later, Chase Bank seized the funds, and closed the savings account I have had for years that the check was deposited in. No warning. After finding out what happened, the fraud department said that they could not reach the second party at XXXX XXXX XXXX, and kept the funds. No one contacted us with the next steps, or what we would have to do to rectify the situation, which didnt make any sense to us. I contacted XXXX to have the check re-issued. They sent me forms to have notarized and mail in, which we did. We were told to wait XXXX weeks for the check to be re-issued. That date came and went, and XXXX stopped returning our calls and e-mails. The Agent was XXXX XXXX out of the XXXX, XXXX XXXXXXXX office. We eventually went into our branch on XXXX in XXXX and sought out help from them. They were able to reach out to the fraud department, who once again, said they could not get verification of the check. None of this made sense to us, as XXXX XXXX XXXX  is still in business, and answers their phone. 
We moved it up to fraud escalation, but still nothing. We found out in the meantime that in XXXX of XXXX, XXXX XXXX XXXX  sold to XXXX XXXX. It is still the same phone number address and services. Im sorry for such a long drawn out explanation, but I honestly didnt know how to shorten it. At the end of the day, we have had our XXXX  out of commission for over a year, we did exactly what all the parties involved advised us to do, including after the funds were seized, and we can not get the money for our repairs. 
We use this XXXX  to generate income, ( see @ XXXXXXXX  on all platforms ) and its been parked now for over a year, causing untold new damage because we havent moved it. We havent done anything wrong. The only thing they ( Chase ) has told us is that I have to track down who ever was working there before the business sold, then find out who worked in accounting and on and on.. That can not actually be how that works. Its just a business ( XXXX XXXX XXXX ) that sold.to a much bigger business ( XXXX XXXX ). To the consumer, there is no change. Please help us, we feel absolutely robbed and belittled in all of this. Chase knows all of this, but refuses to give us the almost XXXX we desperately need to fix our XXXX  to generate income. Worse, they do not offer any reasonable means by which to solve it. We feel robbed by the bank XXXX XXXX
Product: Debt collection

AArgon Collection Agency Open Date XX/XX/XXXX amount {$520.00} XXXX XXXX Open Date XX/XX/XXXX amount {$590.00} XXXX XXXX Open Date XX/XX/XXXX amount {$1300.00} XXXX XXXX Open Date XX/XX/XXXX amount {$500.00} XXXX XXXX Open XX/XX/XXXX amount {$630.00} XXXX XXXX XXXX Open Date XX/XX/XXXX amount {$860.00} Second Round Open Date XX/XX/XXXX amount {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XX/XX/2022 by XXXX XXXX and i will like to have this remove immediately
Product: Student loan

The balance on my account is incorrect. I have emailed Aidvantage about this issue but I have not heard back from them in three weeks. 

I used to have an account with XXXX before my account got switched over to Aidvantage. Before the switch, I paid off all the interest and paid {$1400.00} towards my principle balance. On XX/XX/ I noticed that interest had accrued on my account of {$220.00}. Which shouldn't have happened, because the COVID forbearance period was still in effect. I brought this up to XXXX and they said that there was an issue with updating accounts and that it would be handled. Towards the end of XX/XX/2023, my account was transfered to Aidvantage with the accrued interest. I emailed Aidvantage on XX/XX/XXXX and was told to allow up to 90 days for all the information to update. Fast forward to XXXX XXXX XXXX I have emailed my situation to Aidvantage but have yet to hear back from them after three weeks. Before this random accrued interest appeared on my account, and before the loan service switch, my principal balance was at {$29000.00} with {$0.00} in accrued interest- this is what should be my current balance... but now my account states that my balance is at {$29000.00}. I did happen to notice that my payment history from when I was making payments to XXXX has not been transfered over to my account ( at least, I am unable to see it ). But before my account was switched, I was able to take screenshots of my payment history and the randomly accrued interest which I would be happy to share. 

As we all know, payments resume this XX/XX/2023. I would like for this issue to be resolved so it doesn't become a more complicated and bigger mess to untangle.
Product: Vehicle loan or lease

This isn't a duplicate complaint. If what they did is true when I had signed for my new vehicle trade line on my XXXX XXXX XXXX and what they have stated say that when I had signed for my new vehicle my old deadline or contract on my XXXX XXXX XXXX was still on my report before it was deleted and was put into consideration for my new interest rate than why did my interest rate increase after 6 plus months of on time payments and they also financed me for 2 to 3 payments longer at a lower payment as well but thatisnt the issue the issue is those extra payments is extra money in there pocket they are not entitled to and should have been given a Lower one because of set conditions. On time payments should lower not raise interest rate.
Product: Credit card or prepaid card

I sent in a check for a large sum of money ( thousands of dollars ) to pay off my card. Jet Blue cashed it but didnt apply it to my account. I have called them every day and they cant find the check even though I sent them a copy of the returned cashed check. They give me a different story every time I call. I have emailed the given email for resolutions but the emails go unanswered. I just want them to credit my account I have proof they cashed the check!! I sent it to them.
Product: Student loan

I was offered a grant from HESAA and was asked to accept or decline the offer, after I accepted it and started school at XXXX. I was surprised today by an email telling me that NJ state higher education has cancelled my financial aid. Now I'm stuck with the school is charging me XXXX % of the tuition fee even if I drop the classes as I have to take a loan or pay out of pocket. I feel like that I was trapped by HESAA to take the loan. I'm sure that this inconvenience was not from my part and I think somebody made a mistake on HESAA by offering me the aid and cancelling it few months later after I accepted it and I would be happy if I can get help from you to fix this issue by reviewing my FA application again.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) 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.

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.
Product: Credit reporting

going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX Date XXXX. XXXX, XXXX ; 2. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;
Product: Credit reporting or other personal consumer reports

Complaint Details Issue Summary I am filing this complaint to address inaccurate and unvalidated collection accounts on my XXXX, Equifax, and XXXX credit reports. These debts, associated with various collection agencies, appear to have been purchased or assigned by third-party debt collectors.

Despite my requests for validation, proper 1099-C documentation ( if the debt was canceled ), and proof of the alleged balances, the reporting remains incomplete and incorrect on my credit file. 
Accounts in Dispute XXXX  ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXXL ( Account # XXXX ) AXXXX XXXX  ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX  ( Account # XXXX ) [ Duplicate? ] XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Why These Accounts Are Inaccurate Lack of Validation : I have requested proof that each debt is valid and collectable. To date, the collection agencies/creditors have not provided adequate validation or original contracts to confirm the legitimacy of these debts. 
No 1099-C Provided : If the debts were partly or fully canceled, they should be accompanied by a 1099-C. The agencies have not shown whether they properly filed such documentation, raising doubts about the debts status. 
Incorrect Balances : The amounts reported do not align with any proof of what the collection agency actually paid for these debts or if they were partially canceled/forgiven. 
FCRA Violation : Reporting debts that can not be validated, are inaccurate in amount, or potentially forgiven/canceled ( without 1099-C ) contravenes the Fair Credit Reporting Acts requirement to maintain complete and correct data. 
Actions Taken Dispute Letter : I sent a dispute letter to the collection agencies requesting validation of the debts and confirmation of whether a 1099-C was issued, but they have not satisfactorily addressed these concerns. 
Requests to Remove : I have asked for these items to be removed from my credit report if not validated, but they remain on my file, negatively affecting my creditworthiness. 
Harm or Impact on Me Credit Damage : The presence of unverified collections is harming my credit score and my ability to obtain financing on fair terms. 
Inaccurate Credit File : My credit report does not reflect an accurate picture of my financial obligations, violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I filled a dispute with Experian credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX motor shows a 30 day late from XX/XX/XXXX, at which time I was in a XXXX payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX secrets account and my XXXX XXXX XXXX account are all also in modified payments due to XXXX. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to Experian during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX XXXX XXXX serving of $ XXXX is reporting open, it is CLOSED and XXXX XXXX was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of Experian and they fail to report properly. 

I am asking you to please hold Experian liable for their actions.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX that XXXX had placed a XXXX dollar utility charge off on my report for an account opened in XXXX of XXXX and closed in XXXX of XXXX for an unrecognized address in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX XXXX acct XXXX  ) I Completed a dispute form for them and with the other 2 agencies ( EquifaxXXXX XXXX XXXX Dispute made on XX/XX/XXXX. All agencies claimed they were investigating it. I called Equifax to inquire 3 days later on 1/2 and was told they were still investigating. Then 2 hours later got an update that it was closed stating " We verified that the info belonged to you ''! No details, no supporting documentation, no nothing as to what was used to verify it, just said the original source stated it was true! Which makes no sense as that means nothing was done. XXXX the utility company being disputed stated that they were investigating it, thus unsure how Equifax could have stated it was verified and closed the investigation. XXXX was given all supporting documentation requested and it is still under investigation. 
This complaint is against Equifax for not investigating consumer complaints and closing them with no documentation or information of what was used to verify the information.
Product: Mortgage

We had inquired about a deferment. 
And then the same day we told Cornerstone we did not want the deferment and would send the two payments so we could close out the forbearance. We continuously made payments during the forbearance period. Since that conversation we have talked to 5-6 reps reiterating do not put us in a deferment. Weve asked, requested, pleaded with reps to take action do not put us under a deferment yet we have received 2 emails ( XX/XX/XXXX and XX/XX/XXXX ) that deferment was approved. 

We are asking for someone authoritative to assist us. We need Cornerstone to 1. Cancel deferment if we have been added to one. It is against our request and there should be days of call records/notes indicating to do so. 
1. Apply our payments ( {$6400.00} ) to our mortgage acct first.

2. THEN remove us from the forbearance.

3. Email or fax us the customer a letter stating we are out of the forbearance so we can proceed with our refi and payoff of this account.

All reps read vague notes and provide status. No one has provided accurate details on when {$6800.00} dollars in payments received ( and debited ) by Cornerstone will be applied to our account and no longer in suspense.

No one has confirmed the deferment of the aforementioned payments ( we PAID ) was canceled. 
No one will tell us when we will be out of the forbearance. 
No one will confirm we can have a letter in email or fax regarding the exit of the forbearance. 

Cornerstone mortgaging does nothing allow customer service or loan counselors to call out. How do they own serving customers to issue resolution when they cant follow up?
Product: Credit reporting or other personal consumer reports

I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : Please remove ANY other information you are currently reporting as they are NOT accurate. 1 have attached my Identification card as well as a recent copy of my Bank statement for your verification. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.
Product: Credit card

Hello! I hope that this message finds you well! I wish to file a formal complaint against American Express due to the fact i've applied for them multiple times and I have gotten denied. I feel like I am being discriminated against based on the fact that I have a XXXX which is a violation of Regulation B. I also feel that American Express is violating the Unfair Deceptive Abusive Acts and Practices act because they aren't giving me any specifics for denial, even on the most basic cards they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX XXXX XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX