23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a dispute that has taken to long on their part not following proper steps. Capitol Jefferson This so called third party. Has not followed basic steps to verify this account. It been removed from XXXX three times. I have not received anything in mail regarding this matter. So after i had them removed from one credit reporting site they add to another site. they have not followed proper steps regarding my credit and has caused me time higher rates and pain. by mid XXXX. I will sue pain suffering and emotional stress I am asking for this account to be removed from all three credit sites asap not causing me anymore suffering if not you will be served. plus i, m submitting a XXXX  report today for the lack of my rights being violated. If i sue i will seek lawyer fees as well remove asap THEY HAVE NOT FOLLOWED ONE LAW WHEN IT COMES TO VERIFY MY CREDIT THINKING THEY WOULD SAY THEY DID THIS BUT THEY HAVE NOT SHOW ME MY VALID DRIVER LICENSE NUMBER VALID THEY CAN NOT SHOW THIS AND IF THEY TRY LOOK FOR VALID DRIVER LICENSE AND PROPER CELL NUMBER AND MY ADDRESS THE ADDRESS THEY CLAIM IS MINE IT IS NOT I WILL SUE COME THE XXXX OF THIS MONTH
Product: Credit card or prepaid card

Hi, I have a closed credit card with JPMorgan Chase with an outstanding balance of $ XXXX. My employer filed for bankruptcy (XX/XX/20 ) and I am now on unemployment in the midst of the COVID19 madness. I called JPMC today ( XX/XX/2020 ) to inquire about options available to severely reduce my monthly payment including suspending interest given the COVID19 hardships I am suffering. 

They offered three untenable options : 1. Balance Liquidation Program : Convert to a 60 monthly repayment plan with interest rates STARTING at 12 %. There is NO prepayment penalty. ( My response : I would be willing to do a 60 month plan at zero interest. ) 2. 90 Forbearance : No payment required for 90 days but interest continues to accrue at 14.24 % ( current rate ). ( My response : 90 forbearance would be helpful but NO interest should accrue and no fees incurred. ) 3. Settlement : Negotiate a payoff of the principal w their starting offer at 90 % of the {$14000.00} balance. ( My response : I am willing but unable to repay at this time. As such, I do not want to write down a balance. ) Given that we are in a zero interest environment and in the early days of a global pandemic and approaching 30 % unemployment in the US, I believe that it is tone deaf of JPMC to charge interest rates that were relevant pre-COVD19. 

I had a great call w my mortgage bank who is allowing 90 forbearance and will revisit terms in 90 days. They were totally empathetic, the opposite of JPMC. 

Please help by suggesting a protocol for the industry for other consumers in the same situation as me. Thank you and stay safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc/XXXX has been contacted twice to a pay an old debt I did not realize was still out there. In XXXX I was told they could not find any account under my name or social. The second time in XXXX I was told they found the account but it was charged off and no longer active. Since it was no longer active in their system, it can not be payed on. 

I then disputed the collection item on my credit report with the credit bureaus. I received a letter that stated they completed their investigation and found the debt is valid but was charged off some time ago. The letter went on to state it does not mean I have a 0 balance, the debt is still valid, but just can not be paid and it will continue to report negatively each month to the credit bureaus and they would notate " the consumer disputes the claim ''.
Product: Mortgage

This is a follow up to my previous complaint. The Money Source still owes me an escrow refund from XXXX. Also, they misapplied my XX/XX/XXXX payment. My payments are made directly to the Money Source and not the Chapter XXXX Trustee. They are not authorized to move my mortgage payment I made directly to TMS to a trustee fund that I know absolutely nothing about. The trustee does not take or manage my mortgage payments. TMS is committing fraud and trying to make it appear as thought I am behind on my mortgage payments. My post petition payments have been paid in full each month since filing for Chapter XXXX 4 years ago, and TMS representatives are lying in the statement they submitted below.

" There are no additional surplus funds owed Ms. XXXX. Regarding the payment status, the Borrower is making payments within a Chapter XXXX Bankruptcy Plan. However, TMS frequently receives partial payments of varying amounts from the Borrower, rather than the full contractual monthly amount of {$1700.00}. Partial funds are placed in suspense until the full payment amount can be applied. As of the date of this letter, the contractual due date is XX/XX/XXXX and there is a suspense balance of {$500.00}. '' Also the {$500.00} should be credited to my XX/XX/XXXX payment. My account should show as current with only the XX/XX/XXXX payment due at this time. I paid my mortgage in XXXX and those funds need to be applied correctly. The trustee does not take, accept, or manage Chapter XXXX payments on my behalf. This is FRAUD! My XX/XX/XXXX payment needs to be applied to my XX/XX/XXXX mortgage payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my credit report and personal information improperly by allowing it to be released to unauthorized parties. Equifax did not perform due diligence necessary to protect my personal information. Additionally, Equifax executives reportedly used insider information of the compromise to make stock trades benefiting them personally.
Product: Credit reporting

all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Product: Credit reporting or other personal consumer reports

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report XXXX seen that portfolio recov assoc in the amount of {$490.00} date opened XX/XX/2022 account name XXXX XXXX XXXX XXXX XXXX looking over the laws set in place congress are as said 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 U.S.C 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A. Section XXXX : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 

15 U.S.C 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by XXXX to protect my rights. 

15 U.S.C 1681 ( XXXX ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 

The law states also XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX oid ab also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above XXXX and under title XXXX you violate me any further I can sue you as I dont not owe third party debt XXXX anything XXXX law XXXX edition title XXXX as what I thought was loans where actually deposits XXXX XXXX c ( c ) XXXX ( a ) and ( b ) XXXX ( XXXX ) Please XXXX also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Mortgage

Two months after my home loan closed, my mortgage was " bought '' by another company and I was instructed to make payments to them. Two problems arose. First, I scheduled my next payment on this company 's website. They never processed it and, in fact, reversed it and then charged me a {$25.00} " bad check reversal. '' After waiting for 30 minutes, as they skimp on customer service, there was no explanation for this. I was sent no e-mail about this and only found out about it when I went to pay my next payment. The other problem is none of my other payments on my mortgage have transferred over. Twice I have called about this ( each time waiting 30 minutes ) and it is still not rectified. If someone is going to take over your loan, isn't it important that they get your payment history correct? Both times I was told by " customer service '' to wait several weeks and it will correct itself. Nothing has happened. All I want to do is pay my mortgage and not be bothered. Now I have to spend hours dealing with this because this company can not even manage your payments properly.
Product: Money transfer, virtual currency, or money service

Received two calls from two numbers that mimicked the XXXX XXXX Police Department phone number and the US Immigration and Customs phone number on XX/XX/year>. The accused on the line stated that they noticed that my name was connected to a XXXX XXXX  account that had unusual transactions associated with it. Accused asked me if I was the one that was making the transactions, which I found odd because I does not have a XXXX XXXX  account, and told the accused that I was not the one making the transactions. Accused on the other line told me that they had an arrest warrant for me and that if I does not send over money, I will be arrested. Caller told me that I can not tell anyone or go to the police within three days of this happening. When the caller asked for his social security number, I did not give it and felt off about the call and decided to come to the police department. my mobile phone has been hacked and someone has been monitoring what he has been doing on my phone as well. It is unknown if this is related to the phone calls. {$500.00} through XXXX to the caller, {$1500.00} through wire transfer to the caller were deducted from my account, and an additional {$500.00} through XXXX XXXX. XXXX and wire transfer transactions were paid through my Chase Bank account, and the XXXX XXXX transaction was through my discover card account. POTENTIAL SUSPECT INFORMATION On XX/XX/year>, Accused from the XXXX  number said that his name was XXXX XXXX. Accused from the US Immigration and Customs number stated his name was XXXX XXXX with an ID number of XXXX XXXX. ' It is unclear who said what, but collectively, Both of the accused wanted me to send {$500.00} through XXXX to an XXXX XXXX ( XXXX number : XXXX ), {$500.00} through Pal Pal to XXXX, and {$1500.00} through wire transfer ( Online Domestic Wire Transfer Via : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). ADDITIONAL INFORMATION I made contact with Chase Bank prior to taking this report, but they denied my dispute because they said the payment went through my account though I did not made that transaction. Also gave a police complain on XX/XX/year> with the case number XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer, I am demanding a deletion of these accounts listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX accounts XXXX XXXX  accounts and Ulta Commenity WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to all three credit bureaus and asked them to provide me with proof about my student loan account. I am sure I have not been late on these accounts but they are reporting as late on my credit profile. I waited the 30 days as required, but did not receive any documentation showing the payments were late as required by law. 

I then requested a re-investigation into my student loan payments on XX/XX/2022. Again asking for proof my payments were late as I am sure they have never been late. Still no reply as of today, XX/XX/2022. 

The accounts in question are XXXX XXXX.
Product: Credit card or prepaid card

Booked a hotel on XX/XX/XXXX with chase ultimate rewards points being used, but multiple rooms were filthy and we checked out immediately and booked with a different hotel. I reached out to Chase on XXXX and during that week I was advised that I would be credited back the points used within 2 months. Credit was never posted and now Chase is refusing to refund me because they claim the initial hotel I booked with is refusing to refund them. Chase states that the hotel says I stayed for my full booking of two nights, that the rooms were clean and that I never spoke with their front desk. All of these statements are lies. Chase requested I send them a copy of the reservation at the replacement hotel on XX/XX/XXXX but they are still refusing to process my refund. There seems to be no recourse available to me in this situation.
Product: Debt collection

call from Experion at XXXX from XXXX XXXX XXXX. I asked to be added to their own donotcall list and added that my phone number is registered on the donotcall list. They said they are a debt collector and are exempt from the donotcall list. I have no debts that are late or in arrears. They have no reason to call.
Product: Credit reporting or other personal consumer reports

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXXXXXX XXXX XXXXXXXX - XXXX-15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXXXXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,
Product: Credit card

On XX/XX/year> my computer and accounts were hacked and I tried to resolve the issue with USAA over fraudulent charges. Initially they were great the charges in question were reversed. There were charges at multiple stores within the mall : XXXX for XXXX, XXXX, and XXXX totaling XXXX. Then the card was attempted to be used at the XXXX XXXX  for XXXX and then XXXX both of which were declined ( and have since disappeared from my pending charges ). As this was occuring I received a text from USAA about fraudulent charges that had multiple line items and I recognized several ( including a payment I had made earlier in the day ) I didn't notice the XXXX charge which was the first one listed. Once I contacted them regarding the charges hours after the event I stated that I responded Y to recognizing the charges but had not seen the first line item on the text and that was fraud but the others were not. I went through every charge I had made and verified all charges except the XXXX in even increments. They shut down that card and sent me a new one overnight. 
Next I contacted all three credit bureaus to put fraud alerts and a credit freeze for my ssn. The freeze and fraud alerts are still in place to this day. 
I continued on using the card as I normally do until the XXXX in XXXX  charges were put back on my account on XXXX. I received letters stating that they were not fraud ( despite them recognizing and declining similar charges and amounts within minutes of the XXXX  ones for fraud suspicion ). I contacted them back on XXXX after receiving this letter, restated my frustration and was told a supervisor would look into it and reach back out in 3-5 business days. I have heard nothing from them and am not getting any resolution even when I am told it is being looked into, nor did I ever receive any information regarding why they determined there was no fraudulent activity. I have a 20 year banking history with USAA for checking, savings, and insurance although the credit card was opened this year and am disappointed that I can not get any resolution and they are not upholding the fraud liability as originally stated.
Product: Credit reporting or other personal consumer reports

Experian not add my address to my credit report and talk to 10 agents and 15 agents And I give hard time add my address to my credit report I talk to dispute office and they wont not help update my credit report and put my address on there And I sent my state Id and my spectrum bill over to them and my address still not on there and they lie too my they told wait 24hours to 74hours and nothing fix my account it been like this since to XXXX  in XXXX and they still not help resolve this issue
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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