23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

JP Morgan Chase, who financed the lease that was completed, in good faith, paid, under mileage and returned per the terms of the agreement, is attempting to assess over {$1300.00} worth of excess for cleaning and new tires, at the order of the dealership. The car was returned per the terms and went missing thereafter. I will not be held financially responsible for wear or damage incurred after return. The return was accepted, mileage and condition verified. This charge is the result of the dealership discriminating against me because I am not leasing or buying another vehicle. This is there way of extracting additional profit from those who can no longer afford to be customers. 

I reported all of this to JPMorgan Chase, with regard to the botched return, additional charges and discrimination, and was ultimately dismissed time and time again, via phone and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only transunion has deleted the account... ..equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and equifax is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting or other personal consumer reports

Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the XXXX major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable.

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC  XXXX Subject : Formal Complaint Regarding Inadequate Investigations by Credit Reporting Agencies To Whom It May Concern, I am writing to formally express my concerns regarding XXXX, XXXX, and Experians failure to properly investigate and address inaccuracies on my credit reports. Their actions, or lack thereof, have caused significant harm to my financial well-being, and I believe they have violated their obligations under the Fair Credit Reporting Act ( FCRA ). 
I disputed the following inaccuracies with XXXX XXXX including accounts that incorrect balances, or inaccurate personal information. I provided substantial documentation to support my claims, including credit report. Despite this, the agency failed to conduct a thorough investigation, as required by law, and the errors remain on my report. 

This lack of accountability has severely impacted my credit score, hindering my ability to secure a loan, obtain a mortgage, etc. Additionally, it undermines the trust consumers place in these agencies to handle their financial information accurately and responsibly.

I am aware of the Consumer Financial Protection Bureaus ( CFPB ) involvement in addressing such systemic failures and lawsuits against these credit reporting agencies for similar violations. I am requesting the CFPBs assistance in ensuring these errors are corrected and that the agencies comply with their investigative responsibilities under the FCRA.
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. 

XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Receivables performance ; 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 instruction.

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: Debt collection

Date XX/XX/year> {$94.00} The company sent me a collection letter when the charges was reversed from the school because it was a mistake.
Product: Credit card

In XXXX of XXXX, I met a guy off XXXX who lived in XXXX. He told me he was a punter who was a XXXX XXXX player but new to the team, and said he had a fundraiser for his XXXX with the team and asked me to donate. I searched his name on the internet, and sure enough, stories from credible news sites popped up with his story of playing football and XXXX. He then told me his mom was not in good health, and his credit card was not delivered since he moved here recently and asked me to send money since he didnt have any one else to ask at the time. I said sure, and sent him some money on my credit card. He continued to do this for a few months ; claiming eventually his mom died, he needed money for funerals etc. I then find out though my friend, he has been lying this whole time and has been doing this to many other girls, including those in his apt building in XXXX. I find out the leasing manager was scammed by him, and many other women. I post on a XXXX site asking if anyone else has an issue with him, and about 30 girls commented same issue. The issue Im having is I sent these payments through my credit cards, and at the time I believed he was telling the truth, and did not think he was a fraud. However I then find out he is, and by then it was too late. Its a shame the credit card companys wont help me, as this is clearly fraud. He goes out of his way to make up lies, and gets people to send him money. I also filed a police report with the XXXX police as there is an ongong investigation. Its sad I can not dispute these chargers as it is a lot of money, and I was deceived by his lies to send this money. He even said it was not a gift, he would pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.-XXXX XXXX XXXX MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, XXXX to reinvestigate these accounts ; Account 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 open date, dateof 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 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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 metro 2 credit reporting, I have evidence to prove my case.r
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT the following : My name is XXXX XXXX. Please delete any other references to names as they are not mine and I have never used any of them. 

Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

Lastly, my phone number should be listed as ( XXXX ). 

Please mail me a new report when you are done updating my correcting my information so I can verify its accurate. 

Thank you, XXXX XXXX.
Product: Credit card or prepaid card

I've received 1099 MISC for {$700.00} total other income from Chase on XX/XX/2019.I have spoken with in bank bankers, Chase customer service reps and even the 1099 reps, and it is indeed an endless loop of ignorance. XXXX, when I ask the 1099 rep to explain what the listed amounts are for, I will be told that they don't have the records on my account and that I will have to talk to customer service. Customer service in turn knows zip and just wants to get rid of me, so they transfer me to the 1099 rep, who seems to be outsourced and know nothing about US Tax Laws. I am contesting the {$700.00} amount because I have not received that at all.
Product: Money transfer, virtual currency, or money service

I was ripped off from XXXX ; then found out that they hot wired my car and it could have caught on fire. 
Owner never went over the invoice and charged my card {$2100.00} ; charged me for a warranty that was never given. 
I called Wells Fargo and disputed the amount ; they only allowed provisional credit of {$1100.00} Wells Fargo sent letters in which I took care of I spoke to XXXX on XXXX and he said they needed another opinion in which I provided to them by email this morning Wells Fargo removed the credit and per XXXX, employed by Wells Fargo in the XXXX said my claim was closed XX/XX/2021 even though I had been in contact daily I not only had problems with XXXX but with Wells Fargo
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX
Product: Debt collection

The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.
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  Account # 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. 


According to my most recent transunion Credit Report, 2 accounts with " XXXX XXXX XXXX XXXX XXXX '' were opened without my consent. The first Account was opened on XXXX XXXX with an outstanding balance of $ XXXX # as it shows on transunion ( XXXX ) The 2nd Account that was opened without my knowlege or consent was opened on XX/XX/2022 with an outstanding balance of {$1600.00}. Account # as it shows on Transunion ( XXXX ). I am not a missouri resident nor do i know anybody or have ever been to missouri & there should be no reason that i owe this bank anything at all.
Product: Credit card or prepaid card

I am filing this complaint because I have contacted Apple Card ( general Mastercard account serviced by Goldman Sachs Bank ) over five times in the past five days and the customer service representative has been unhelpful and has failed to follow up on my concern after saying they would within a 24 hour timeframe. I received an e-mail communication from Goldman Sachs Bank on XX/XX/2020 saying that my Apple credit card was canceled ( email attached ) due to Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. Upon receiving this email, I carefully reviewed all my available credit card statements and the Goldman Sachs Apple card member and rewards agreement again and first called the bank at XXXX on XX/XX/XXXX at XXXX XXXX ( pacific time ) and spoke with a representative named XXXX who attempted to find the reasoning for the account closure. Even the Goldman Sachs representative, XXXX was baffled and could not find the exact reasoning behind the closure of my account. XXXX stated she would make a notation on my account and submit it for further review. XXXX did not have the resources to help me further other than to forward my inquiry internally to another escalation level. I am not satisfied with the reason for the closure of my account because it is ambiguous and does not clearly state the specific reason of an alleged violation. It only states an ambiguous failure to comply with the card member and/or rewards terms, which is not acceptable. Attached to this complaint are all the copies of my credit card statement since this account was opened. As my account history shows, there is no activity or transaction that constitutes a violation, breach, or failure to comply with the card member and rewards agreement terms. It seems that the bank or the system that the bank utilizes has made the decision to close my account based on an unqualified arbitrary reason that is not specific, lacks a qualified reason and is certainly ambiguous. I have relationships with several other banks and unfortunately, I have never encountered such a situation where only a generalized ambiguous reason is given without any specificity nor have I ever not be given the courtesy of a notice via mail or phone call before an account closure action. This type of conduct has a negative reflection of Goldman Sachs Bank in my view and will affect my decision to ever have a relationship with the bank if I can not get a clarification of the closure reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this account.
Product: Mortgage

Amerihome Mortgage/XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, NJ XXXX Property address : XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX My home went to sheriff 's sale on XX/XX/XXXX My home sold for more than $ 32,000+ more than what was owed Plaintiff 's ( Amerihome Mortgage ) Attorneys disbursed {$130000.00} to Amerihome which covered all Principle ( {$110000.00} ) & Interest ( from XX/XX/XXXX - $ {$6900.00} ) MIP/PMI ( {$230.00} ) Late Fees ( {$95.00} ) Recording fees ( {$13.00} ) Escrow Advances ( {$5800.00} ) Foreclosure attorney fees ( {$2200.00} ) Process Service Costs ( {$320.00} ) Court Costs ( {$1000.00} ) Publications ( {$500.00} ) Corporate Advances ( {$1900.00} ) Totaling {$130000.00} My homeowners insurance carrier ( XXXX ) issued a check for escrow overages for {$2100.00} on XX/XX/XXXX which they stated ( and maintain ) is owed to me but were legally required to send it to Amerihome/XXXX  ( mortgage company ) first and that Amerihome/XXXX  was to issue that same amount to me immediately upon receipt. 

I have called Amerihome/XXXX  dozens upon dozens of times to have the funds issued to me. I was told : XX/XX/XXXX that the check was issued and to expect it in 7/10 business days. On XX/XX/XXXX Amerihome/XXXX stated to wait a few more days due to Covid-19. 
On XX/XX/XXXX ( another phone call I made, lasted 3 hrs wait time ) I was told there was an FHA issue and that a specialist had to clear a code on their computers to issue the check, completion date was to be XX/XX/XXXX. I called again XX/XX/XXXX and was told it would be cleared by XX/XX/XXXX. I called again XX/XX/XXXX and told it was pushed to XX/XX/XXXX. I called again on or about XX/XX/XXXX and was told ( after multiple other calls where I was hung up on, transferred to multiple departments, promised a supervisor call back, none of which ever came to fruition ) that I would have to send a Qualified Written Request letter to a PO Box in New Jersey to have it resolved.

I am forwarding this same complaint letter to Amerihome/XXXX  at the Qualified Written Request PO Box detailing the aforementioned. 

In addition to the {$2100.00} I expect to be compensated for time. My company charges $ XXXX/hr for my expertise. I have logged over eight hours of working time spent following up on getting my escrow refund with Amerihome/XXXX  during business hours, totaling {$8800.00}. Combined Amerihome/XXXX  should pay me {$10000.00}. 

I expect Amerihome/XXXX  to release my funds and issue a check written to me immediately. 

Please confirm receipt and provide details as to next steps.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the immediate removal of these fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission.

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has mistakenly been on my report for over five years.

However, these fraudulent accounts are still on my report under your bureau, and I am curious about the confirmation process you have conducted. XXXX and XXXX credit bureaus no longer report these fraudulent accounts since the submission of the required documents. Why is your bureau still reporting these accounts, and what actions are you taking? Additionally, I have contacted the banks associated with the following fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.