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

The XXXX major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( XXXX ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a XXXX for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!
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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX  XXXX - XXXX - {$0.00}
Product: Student loan

I am harassed with phone calls every hour throughout the day. When I pick up the phone, no one is on the other line to answer. Naviant calls from several different phone numbers in several different area codes. Today ( XX/XX/19 ), for example, I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I answered the call at XXXX and no one ever came to the line. I also declined permission for automated calls from this company. 

My payment was going to be XXXX ( ish ) and an INTEREST only payment was XXXX ( ish ). My government loans are consolidated and my monthly payment is {$55.00} due to an income-based repayment plan. Naviant will not help me with an affordable payment and employees never seem to have the same answer.
Product: Mortgage

In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.
Product: Payday loan, title loan, or personal loan

Hello! Im reaching to you guys because of a personal loan I made with the First Bank Puerto Rico of {$20000.00} dollars and its a new loan in which my first payment was for the amount of {$450.00} according to our contract starting due date on XXXX and In advanced I payed the XXXX of XX/XX/2022 and they acceppted and confirmed that the breakdown of how the first payment was applied was around {$180.00} for the principal and around {$270.00} for the interest. Till that time the information was fine with me. But for my surprised suddenly the next payment I made in advanced as well the XXXX of XX/XX/2022 for a due date on XXXX for the same ammount of {$450.00} I asked how was the breakdown made and they are saying all the ammount was applied to the interest. I feel worried and concerned of how my payments are being placed because they arent able to explained to me how its that possible beacause Im paying with one mont ahead of my actual due date. I feel some type of way deceived and in a fraudulent action. beacause till this day the institution of First Bank doesent have any answered and any mantenence for that payment. I would like an investigation for this situation please.
Product: Student loan

Great Lakes Educational Loan Services turned my loan over to the U.S. Department of Education due to default. I am now attending XXXX XXXX University. After contacting Great Lakes to inform them that I did not receive any correspondence from them to advise me of the status of the loan, they indicated an email was sent on XX/XX/XXXX. After searching my inbox and spam, I received nothing from them. They said they sent a letter back in XXXX. Their lack of communication regarding a loan going into default is absurd. If they would have done so, I would have requested a deferment ( as I did with another student loan thru XXXX ). My request is that this loan be deferred.
Product: Checking or savings account

I think it was back in XXXX I received a call from somebody from Wells Fargo stating that my account was possibly subject to unauthorized transactions and they were trying to reach a settlement with me which this account that I had was 10 years ago so my mind is not sharp exactly what happened so I told them you know go ahead and sure send me whatever money you want to send me and then after getting the check that they gave me and reading some of the stuff and then hearing from others and remembering what I could from that time I remember I went through a lot with the NSF fees that they put on me I'm not saying that they were responsible before me losing my residence I had to move I was not able to pay many of my bills but I'm not I honestly can not say that it was because of that but that's why I wanted my my bank records I did respond to them telling them this information that I did not agree with the amount that they sent and I get this letter finally from them responding months later date of XX/XX/XXXX it was hand delivered to me by the postman last night and the letter states that I had 20 days to respond because they could not reach me I've not received any calls from them so I'm not sure how they were trying to reach me now when I try to call the phone number that is listed on this letter XXXX it doesn't even let me dial it's like the numbers no longer good I would just like a copy of my bank records at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 XXXX 2018 XXXX 2018 XX/XX/XXXX2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

I am currently in a lease with XXXX, but I am falling behind on car payment. Trying to talk to them about this issue but it seems that they don't want to help. Despite of making 3 months of payment within one month, I was charged with some repossession fee for no reason. Wish they could make a deal and take the car back. The car itself is probably defected. Oil smells like gas and experienced transmission problem at about 9000 miles
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMORGAN violated 15 USC 1681i by failing to do a reinvestigation and is liable under 15 USC 1681o. A letter was mailed certified mail to XXXX ( XXXX reporting agency ) XX/XX/2023. XXXX opened account disputes XX/XX/2023. Report number XXXX. Jp morgan was suppose to do a reasonable investigation but negative information is still reporting on my consumer profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo TEACHERS CU Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo CREDIT XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my consumer reports from XXXX, XXXX, and XXXX. I noticed that there was a bankruptcy that was disclosed in my consumer file. When speaking to these companies it was stated that LexisNexis was responsible for disclosing this information to the consumer reporting agencies. It has come to my attention that LexisNexis has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). LexisNexis illegally obtained personal and private information from the XXXX database and sold it to other reporting agencies, including XXXX, XXXX and XXXX. 15 USC 1681b ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave LexisNexis permission to obtain, release, or report any information to any third parties. I sent a letter to LexisNexis on XX/XX/22 addressing these issues and the remedy that I wanted.
Product: Checking or savings account

I deposited XXXX $ inside my bank to open a acccount the next day i get emails saying its closing the transactions i did were already did now theyre putting blocks on my money coming backin in and taking money out without my knowledge i had a XXXX $ withdrawl from the bank and XXXX $ XXXX XXXX order XXXX $ taken out da bank and XXXX $ put back in and a bonus bet for XXXX $ i have the screenshots my balance was XXXX $ the next day its XXXX $ suppose to be XXXX $ plus XXXX $ but has a balance of XXXX $
Product: Credit reporting or other personal consumer reports

After pulling my Experian credit report, on XX/XX/2023, I requested Experian complete an investigation into the following accounts for completeness and accuracy : XXXXXXXX XXXX XXXXXXXX XXXX XXXX **** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX **** XXXX. XXXX  XXXX **** XXXX. XXXX  XXXX XXXX ( balance of {$200.00} ) **** 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 ( update paid never late ) **** XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX **** Experian completed the investigation and notified me that all accounts had been verified. I pulled my credit report again and noticed that several accounts that were previously disputed were missing the FCRA 623 ( a ) ( 3 ) required notice of dispute. Because the notice of dispute is not present, Experian is in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. The accounts missing the notice of dispute are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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: Credit card or prepaid card

On XXXX XXXX, XXXX I was approved for a discover credit card for students. As a newly adult attending college I figured this was the best card with the best opportunities for college students. I was excitedly anticipating my card getting delivered and it was received today on XXXX XXXX, XXXX. I called to activate my card since I could n't online, they passed me through several departments and the last one I spoke to was a women with a southern accent, I however did not remember her name. The minute she answered me she began to misgender me. She referred to me as Sir and Mr.. I was quite offended and my cousin being in the same room as mine and overhearing what was happening looked concerned. She ended up taking the phone from me and correcting the women, telling her to refer to me as Mrs or Ma'am, because I am in fact a women. The women on the line got very quiet, I proceeded to take the phone back and attempt to continue to activate my card because I no longer wanted to speak to her and wanted to get this over with. She then said she was going to call me back with the number I had provided on my application and I never received a call. I called Discover back and they said my account was being reviewed. I understand the confusion that comes from hearing two different voices, however she clearly misgendered me and threw me completely off balance. I have never been misgendered over the phone and I will continue to be offended until I receive a formal apology and proper help to activating my account. Now my activation has been delayed for another 2 days and I will be expected to be on their schedule when my own schedule is already filled with school and work.
Product: Credit card or prepaid card

This is a complaint against JP Morgan Chase Credit Cards. It is still falsely reporting incorrect information regarding missed payments and derogatory comments on my account in spite of repeated assurances that this issue will be taken care of and the account will be purged and information reported will be rectified. I have made numerous efforts to resolve the issue with JP Morgan Chase to no avail. Not only is the customer service extremely rude but have consistently made false promises and inconsistent statements to assure and pacify consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX  XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX XXXX XXXX  XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX XXXXXXXX if this is a legitimate account.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, XXXX XXXX XXXX