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

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX. Experian, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Credit reporting or other personal consumer reports

I have tried over the last two years to get these accounts resolved on my consumer report with the three credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These 3rd party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act ( 15USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, 15 USC 1681i ( a ) ( 5 ) B ). They are charge offs reporting with a balance and negative late payments on these accounts and neither of the for mentioned debtors provided a 1099-C before XX/XX/XXXX of the year accounts were written off as income. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX XXXX XXXX.
Product: Debt collection

On Thursday, XX/XX/XXXX I checked my credit report and saw an account was opened in my name for {$450.00} by XXXX XXXX in Texas. The account was activated XX/XX/XXXX and closed XX/XX/XXXX. I have been living in Colorado for 3 years - never in Texas. I contacted XXXX XXXX on XX/XX/XXXX at XXXX. They informed to file an FTC report and a police report. I will also be disputing it with XXXX and XXXX. XXXX XXXX has also started an investigation.
Product: Credit card or prepaid card

I disputed a report in XXXX XXXX  that XXXX, XXXX, and XXXX said that we had 2 accounts with Bank of America and that one of them had an overdue balance amount of {$6800.00} dollars. I received a letter from XXXX that said that they had " verified that this item belongs to you. '' Both of these accounts have been " closed by credit grantor ''. 
I have never had a credit card with Bank of America. I did try to contact Bank of America Fraud Department but their automated system wants your account number to get started. Since I don't have an account I can not give them a number. I also called the number for Bank of America in XXXX XXXX, Texas that XXXX provided in their report on XX/XX/XXXX and I get the same automated system that wants an account number to get started. 
I keep getting phone calls from Bank of America saying I need to pay them. 
This experience has greatly lowered my credit score.
Product: Checking or savings account

I received two emails from bank of america, one stating that I applied for a checking account and another stating that my application was approved. I did not apply for an account. I called bank of america and could not get anyone on the phone but did confirm that there is an open account in my name. I will try and call bank of america again during business hours but wanted to file a complaint as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to XXXX. However I sent a copy of the letter the letter to Equifax along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Equifax was received to me. It's been over 30 days.
Product: Student loan

I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each account ).
Product: Mortgage

On XX/XX/2024, I requested to remove my PMI since my XXXX ( based on original purchase price ) XXXX %. The company sent me a letter stating : " The investor for this loan requires confirmation that the value of your home has not declined below the original value of the property. This means we will need to obtain a valuation of your property before we can approve cancellation of PMI. The cost of the property valuation is {$190.00}. Please send a check or money order for this amount payable to us with a copy of this letter to the address below. '' According to federal law since my XXXX is below 78 %, PMI should automatically be cancelled regardless of what my current home value is and I should not have to pay for a home evaluation.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of this, and the company proceeded without my permission.
Product: Debt collection

XXXX XXXX Absolute Recovery Services said I owe them XXXX. When I had no knowledge of this claim. Therefore I would like this claim removed off my credit report. False reporting and possible identity theft.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I held a savings account with back-then, XXXX XXXX XXXX, and which was linked to a secure a XXXX credit card # XXXX. The amount in the account at the last banking statement was {$4000.00}. 

In XX/XX/XXXX, I was laid off from my job, but continued paying the monthly charges on the credit card. Months later when realized that I could no longer make said payments, I contacted XXXX XXXX XXXX to request a hold, or postponement, of payments until I return to work since I was covered under the " credit card protection plan. I was informed that said plan did not apply any longer since I had " failed to contact the bank right after I had been laid off the job. I then requested a closing of the account and requested a {$80.00} plus, which was my available credit at that time. A few years went by without having received a response from XXXX XXXX XXXX  in that regard. 

In XX/XX/XXXX, I had gone to my present bank to make a withdrawal in order to make my regular payments which were due during the first days of the month and which included my rent. To my astonishment, over {$1400.00} was whipped out of my account which included my entire bi-weekly salary which was garnished as well. The firm of 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ' later stated that said action was taken on behalf of XXXX XXXX XXXX  in order to collect a debt that was owed. 

I hereby must make it crystal clear, that I was never serve a summons to appear in court in this regard. This, I clearly expressed to the judge, but my statement was duly dismissed. It was during my third XXXX XXXX XXXXXXXX court appearance in which it became clear that previous summons were sent to my old, former, address. I was also informed that perhaps my savings were part of the unclaimed funds held by the state of New York due to the closing of XXXX XXXX XXXX. I then learned that XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, which consequently was sold to Chase Bank. After contacting Chase Bank, I was informed that said institution had no record of any funds belonging to my person.
Product: Student loan

Attached is pictures of Payment reversal navient has made to my account. I tried paying them many many times they use to accept my payment but for the past mast its been saying payment reversal. I always make sure I have money on my checking account and the last payment I made via phone I made sure that the representative took notes and explained to her my situation. The payment has posted but I check again that they did payment reversal. 

Im filing a complaint because it has been affecting my credit and its not like Im not paying them they just dont want to accept it. Also they put me on forbearance even though I did not request it. This is a very serious case and I am not very happy with their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX
Product: Student loan

I co signed for a loan for my wife at the time. When we got divorced, she filed the paperwork to release me from the loan, and Navient told me I was no longer on the loan. 7 years later, I find out I still am. My now ex wife has now continued to try and release me from the loan, but Navient is now saying that it's not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We decided to go with Chase for our mortgage, as I am a long-time customer and wanted the one-stop service they can offer. I was pleasantly surprised when my home-lending advisor discussed the Chase on-time closing guarantee for existing customers when we got our loan estimate on XX/XX/2021. The guarantee as I understood it at the time was for up to {$2500.00}, received via check after the closing. 

Then, our mortgage closed XXXX  days late on XX/XX/2021. It only closed when it did because of how intensely my realtor and I badgered the company over the XXXX XXXX holiday. There were consistent roadblocks cited after the original closing date that were not communicated previously, including an extra employment verification request that was not received by my company and an additional credit check for my husband. The company said there had been a system outage of some sort that had disrupted their task tracking and internal communications that contributed to the delay. Most of this happened in phone conversations, but some happened via emails that I attached. 

My home-lending advisor said that he would push for us to be approved for this guarantee given how our closing went. He called a couple days after we closed to check in, and we have not spoken since. I submitted my feedback via the survey that Chase set out and had a call from my customer care specialist 's manager about what I submitted ; however, this did not result in Chase following through on their " guarantee ''. I have called and left a voicemail for my home lending advisor XXXX times between XX/XX/XXXX and today, XX/XX/2021 without a return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report through Equifax website continues to show blank. They have attempted to correct this but it still shows blank. The last time they tried to correct this it reinserted trade lines that were disputed and removed prior.
Product: Checking or savings account

This is an ongoing issue that had not been resolved. No one is allowing me to get any resolution. 
I receive calls from Chase Bank Executive office with still no resolution. When they transfer my calll Im on hold for 45 minutes or longer. No one comes back to the phone to help me out. This is in every way poor business practice. Why transfer me all around if no one is willing to help!!! Why call me if Im given the run around? This has been going on for a month now.
Product: Credit card or prepaid card

Chase XXXX XXXX credit card breaches XXXX XXXX   XXXX CONSUMER PROTECTION LAW [ 2 ] FORBIDS ALL " DECEPTIVE OR UNCONSCIONABLE TRADE PRACTICES IN THE SALE, LEASE, RENTAL, OR LOAN, OR IN THE OFFERING FOR SALE, LEASE, RENTAL, OR LOAN OF ANY CONSUMER GOODS AND SERVICES, OR IN THE COLLECTION OF CONSUMER DEBTS. '' MORE SPECIFICALLY, 20-701B OF THE XXXX ADMINISTRATIVE CODE DEFINES AN UNCONSCIONABLE TRADE PRACTICE AS FOLLOWS : ANY ACT OR PRACTICE IN CONNECTION WITH THE SALE, LEASE, RENTAL OR SERVICES, OR IN THE EXTENSION OF CONSUMER CREDIT, OR IN THE COLLECTION OF CONSUMER DEBTS WHICH UNFAIRLY TAKES ADVANTAGE OF THE LACK OF KNOWLEDGE, ABILITY, EXPERIENCE OR CAPACITY OF A CONSUMER ; OR RESULTS IN A GROSS DISPARITY BETWEEN THE VALUE RECEIVED BY A CONSUMER AND THE PRICE PAID, TO THE CONSUMER 'S DETRIMENT ; I have contacted Chase XXXX XXXX Credit Card @ XXXX ( XXXX ) XXXX XXXX twice regarding RETURNED products and REFUNDS issued my XXXX as my account indicates but NOT posted to my CHASE credit card account of which they are in partnership with, equaling upwards of {$450.00} that is the definition of gross disparity and the lack of aggressive conflict resolution to get tot he bottom of the unidentified issue does not res tin the consumers hand but in the banking institution under these convenents. 
On both occasions I have received inadequate help because the account is influx from the 20 + charges underfunded. Both institutions keep blaming the other instead of someone efficiently and aggressively handling the appropriations of the funds of my account. i the consumer suffer a debt not belonging to me. 

Both supervisor XXXX XXXX at XXXX XXXX Texas disputes department and XXXX , have passed the buck in handling it. Redirecting me to XXXX and XXXX redirecting me to the banking institution. I have been told if i XXXX bills a certain amount but its charged to the credit card independently i need to identify the charge. I have been told i cant receive refunds ; despite the account on XXXX stating refunded past XX/XX/XXXX even when the bank institution has not posted the credit. IN ADDITION TO BEING STATUTORILY REQUIRED TO AVOID DECEPTIVE AND UNCONSCIONABLE TRADE PRACTICES IN PERFORMING BANKING SERVICES FOR CUSTOMERS, WE UNDERSTAND THAT THE FDIC HAS URGED BANKS TO OPERATE ETHICALLY AND HONESTLY, WITH FULL PRIOR DISCLOSURE TO CUSTOMERS OF ALL FEES AND COSTS ASSOCIATED WITH ACCOUNTS. IT IS VERY DISAPPOINTING TO HAVE LEARNED THAT CHASE ENTIRELY FAILED TO DO SO REGARDING XXXX XXXX XXXX. TO NOW KNOW HOW TO HANDLE A NEW PROBLEM IS NOT A REASON TO AVOID DOING SO. 

WE BELIEVE THAT CHASE XXXX XXXX CREDIT CARD HAS NOT ONLY VIOLATED ITS COVENANT OF GOOD FAITH AND FAIR DEALING OWED TO XXXX XXXX XXXX. IT IS XXXX XXXX XXXX MONEY THAT SHE IS RIGHTFULLY OWED AS THE PRODUCTS WERE RETURNED AND PROOF WAS PROVIDED BUT THE CREDIT CARD STATEMENT AND ACCOUNT NOT BROUGHT CURRENT.
Product: Money transfer, virtual currency, or money service

I sold my structured settlement payments to JG Wentworth. In XX/XX/XXXX I received a settlement of $ XXXX/month for 25 years ( from XX/XX/XXXX to XX/XX/XXXX ) and a lump sum payment of {$500000.00} due to me in XX/XX/XXXX. In XX/XX/XXXX I sold 36 payments for {$75000.00}, in XX/XX/XXXX I sold 24 payments for $ XXXX, in XX/XX/XXXX I sold 60 payments for $ XXXX, in XX/XX/XXXXI sold 36 payments for $ XXXX, in XX/XX/XXXX I sold 48 payments for $ XXXX, in XX/XX/XXXXI sold 83 payments for $ XXXX. I feel scammed, violated taken advantage off ripped off by this company and their lawyers. They took out a lien on my XXXX  XXXX in XX/XX/XXXX claiming I owe them XXXX they sent me papers to appear in court in XXXX ( i live in the XXXX ny ) so I couldn't go because I couldn't afford a plane ticket and a lawyer and was bankrupt. I lost by default. In XXXX I tried to sell my XXXX to jgw but was told by a XXXX XXXX that he didn't want it so I tried XXXX, they told me we have a great relationship with jgw and will ask them to release the lein in california against your XXXX so we can buy it from you. I signed many papers from a California law firm and courthouse that I didn't understand. XXXX bought {$450000.00} from the {$500000.00} in XX/XX/XXXX and gave me {$170000.00} minus {$19000.00} I had to pay back to jgw. The only transaction that was approved by a judge was the last one, none of the $ XXXX monthly payment transactions were approved or seen by a judge. Please contact me for more information, I have copies of the contracts. Please help by reviewing contracts for wrongful doing, rip off etc.
Product: Credit reporting or other personal consumer reports

All three letters were mailed certified to the national credit bureaus. reference numbers below : XXXX- XXXX XXXX - XXXX XXXX - Transunion please see the attached letters and please remove the inquiries based on those letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law requires Equifax to provide a feature to place/lift security freezes on credit reports. 

I have created an account on myEquifax.com as required by the company, but the feature to place/lift a security freeze is not working. 

I have contacted the company dozens of time. They spend weeks/months to investigate and close the complaint simply stating the status of security freezes on my account. They do not address the problem, of being unable to CHANGE THIS STATUS online. They have been aware of this problem for nearly six months.
Product: Debt collection

I sent Regional Acceptance Corporation a letter asking for validation of the debt that I allegedly owe. I received a response letter stating that they would not conduct an investigation because they feel the letter they received from me came from a credit repair agency or was prepared and given to me by a credit repair agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with XXXX  and after all the information it said submission failed the same with Experian. This information is outdated and should be deleted off my credit reports.
Product: Debt collection

I am under my husbands auto insurance policy and have been for 3 years, I do not have a policy with XXXX auto insurance and do not owe them {$410.00}