23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2020 I was shopping for a mattress at JC Penney website. Looking at a great mattress that we loved, we thought it was a bit high in price. However, at the bottom of the offer, it stated that if i open a new JC Penney card i would get free financing for 12 months and a 15 % discount. 
Given that I have an almost perfect credit history in the 820s, i figured this is our way to get the price we were looking for, and also pay it along. 
So initially i applied and got an answer that i would get an answer in 5-7 business days. I called the JC Penney number as i was in the process of purchasing, and usually at the store they approve it on the spot. They transferred me to Synchrony Bank which told me that i was rejected. I asked for a reason, they said i would have to wait for the physical letter to see the reason. I reminded them i have very good credit, and that i wanted to take advantage of the offer. There was nothing they can do. 
Then, as an alternative, my wife that has about 816 point credit rating applied too. The same happened to her. She was not accepted online either and therefore no discount or financing offers for us. 
Last week we each received a denial letter from Synchrony Bank. Our application was denied for the following reasons : High Risk Source of Application Is that JC Penney website? Why does Synchrony advertise there then, it sounds like false advertising either from JC Penney or from Synchrony? It got me. 
We have not lost jobs, we do well financially, and our credit is impeccable. 
I believe the risk is probably with JC Penney and Synchrony, as most likely we'll pay the cost eventually without extra fees and go over the time limit for the offer for late fees and penalties.
Product: Debt collection

Capital One purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent XXXX XXXX XXXX could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre XXXX era attempt to get low income minorities to falter on their debts. A consistent issues with Capital One and other banking institutions. 

I am not going to pay Capital One for that card again. I already have another card. With them. The payment history is immaculate. 

XXXX XXXX XXXX should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my XXXX XXXX. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Checking or savings account

There was fraud on my checking account so I closed the account with the bank manager at my Wells Fargo branch on XX/XX/2022. At that point we opened a new account. On XX/XX/2022 the bank let a check for XXXX go through that was from the closed account and they took the money out of the new account. Wells Fargo has not refunded me the money even though they know it is fraud. I have been a customer for over 20 years and no know can give me an answer as to how this could happen when the account had a hard close on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and saw accounts appearing that I am not aware where it came from. I have filed an Identity Theft complaint attached to this complaint. Below are the accounts apearing. 

XXXX XXXX  - 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX, XX/XX/2020 ) importantly this company is no longer in service. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car fro GM Financial and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXX XXXXValidate Account XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to JPMorgan Chase Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. JPMorgan Chase Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. JPMorgan Chase Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. JPMorgan Chase Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that JPMorgan Chase Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which JPMorgan Chase Bank is seemingly willfully noncomplying. Furthermore, JPMorgan Chase Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to JPMorgan Chase Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, JPMorgan Chase Bank continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$13000.00} and a closed auto loan account # XXXX which you claim I owe {$0.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to American Honda Finance agent of this matter and sent police report, affidavit, id, proof of address.
Product: Checking or savings account

JPMorgan Chase Bank, NA Check dated XX/XX/2022 for the amount of {$4200.00} made out to an individual and signed by myself was fraudulently cashed by someone else. Chase bank apparently lacks the security needed to prevent checks from being cashed by just about anyone. The check was not altered in anyway. The payor name was not altered. Someone cashed this check and it wasn't the payor. All the transactional information is available, yet 3 months later and multiple inquires, Chase has not tracked down the funds nor have I been reimbursed for the fraud Chase bank is responsible for.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward Consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion refuse to allow update of Consumer Statement to reflect XXXX and XXXXXXXX XXXX deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX XXXX upon its return within the 14-day return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashed. XXXX apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the 14-day window given on the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

I applied for an apartment in XXXX XXXX XXXX like three years ago due that I was going to get a job in XXXX it was another person applying with me time went by never heard from their office after about two or three weeks they called me and said that I could get the apartment but I already had decided that I was not going to XXXX anymore so I left it like that a year later I get this collection in my credit because apparently I signed the contract for a year with this company I requested a copy the contract and realized that someone else had singed never lived there do n't even know how apartment looks ive'been in XXXX XXXX for the last 5 years
Product: Payday loan, title loan, or personal loan

On XX/XX/23 a representative called me from the title max store saying I needed to pay {$1000.00} to bring my loan up to date I asked for the information I never received about loan repayment and what I owe and what my money will go to she said she will have someone reach out to me onXXXX  someone called me saying they are from title max corporate office and they asked for me to give them {$500.00} to bring my loan up to date I informed them I asked for information I never received which tells me the details of my loan what the money is going towards my finance rate and everything to explain how I could repay and if what they are charging is indeed what I signed up for he told me I needed to go into the store I explained to him that I am physically un able to go to the store to get this information can you please mail it to me. When I signed up everything is as supposed to be available to me online it never was and I was eventually locked out of my title max account log in app and I continue to receive an error message so these documents that were supposed to be originally available to me on the app were never given to me and I never received a copy of what I thought I signed My original loan was {$1500.00} so I dont understand what hat I am paying for and what is indeed the status of my account the company refuses to provide me any information I. Writing by e mail or by phone