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

Vehicle was turned in at the lease termination date of XX/XX/2020 in accordance with the original lease contract. JPMorgan Chase sent me a bill for {$2200.00} ( Letter dated XX/XX/2020 XXXX representing property taxes owed to XXXX County VA. Five problems result from errors in this billing notice : 1 ) The tax bill submitted to me by JPMorgan Chase associated with the property taxes of {$2200.00} would cover the entire year, not the portion of the taxes I would be responsible for. In my estimate I owed Chase {$930.00} representing the proration of the yearly tax obligation covering XX/XX/XXXX XX/XX/2020. This amount was paid by me on XX/XX/XXXX, following countless phone calls in an attempt to resolve. And while I did not have all of the details associated with the property tax bill, this was my estimate. 

2 ) JPMorgan Chase failed to report the vehicle as being off lease on XX/XX/XXXX ( my end of lease term ) and reported the off lease determination as XX/XX/2020. As a result XXXX county adjusted the original property tax bill to represent a prorated amount to reflect 8 months of taxes due or {$1400.00} ( the math ( ( $ XXXX ) XXXX ) - registration fees of {$31.00} ) = {$1400.00} ). Obviously this is an erroneous calculation and date, as the vehicle was off lease on XX/XX/XXXX, not XX/XX/XXXX. 

3 ) JP Morgan Chase has failed to resolve this issue in a timely manner after multiple attempts covering 5 moths, giving rise to the fact that I may not be alone in how JPMorgan Chase is attempting to overcharge clients for property tax bills for autos coming off lease. Additionally, JP Morgan Chase has no process to correct the erroneous dates and adjust the tax bills with XXXX  County. 

4 ) When Calling JPMorgan Chase they make clear that the call is being recorded for the purposes of collecting on a debt being past due. My debts have all been paid on time, despite JPMorgan Chase indicating the account has been charged off.

5 ) My estimate of taxes owed on the vehicle was actually incorrect, I over paid JPMorgan Chase {$1.00}. If JPMorgan Chase did not give me the runaround for 5 months, I would have dropped the reconciliation issue of {$1.00}.

Since my time is valuable, I want to see the final correct calculations, a refund in the appropriate amount, and a letter from JPMorgan chase indicating my account was always paid as agreed, including at the lease termination date and the account was closed without dispute or any negative information. 

This is not a difficult case, but no one seems to see this as their responsibility to resolve an obvious operational error in submitting the wrong off lease date and billing. After 12 attempts over 5 months, I give up!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX ( NFCU ) for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX has illegally reported a charge-off multiple times on my credit report from XX/XX/year> through XX/XX/year>. 

A debt can only be charged off once, not repeatedly each month. XXXX multiple charge-off entries are inaccurate, misleading, and unlawful, causing undue harm to my credit profile. 

FCRA Violations Committed by XXXX XXXX XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers must report accurate information. A charge-off can only occur once, and XXXX  repeated reporting is false and misleading.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : Despite this clear reporting error, XXXX has failed to correct the inaccuracies, further damaging my creditworthiness.

3. Violation of 15 U.S.C. 1681n & 1681o : XXXX  misreporting has harmed my ability to obtain credit, housing, and financial stability, warranting legal action.
Product: Debt collection

I have contacted XXXX XXXX regarding account XXXX on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. Have also informed XXXX that I am a victim of identity theft and that this account is a result of identity theft as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : Capital One Auto Fin Inquiry Date:XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future.

I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Student loan

My start date ( first day in the office physically ) with XXXX was XX/XX/XXXX. My hire date on my XXXX says my hire date was XX/XX/XXXX. I originally submitted my employment certification for public service loan forgiveness with my start date as opposed to my hire date. 

Despite the fact that I went back to school in XX/XX/XXXX-XX/XX/XXXX and have been in Public Service Loan Forgiveness repayment status since, XXXX XXXX is refusing to certify my employment with XXXX because of the discrepancy in the XX/XX/XXXX vs. XX/XX/XXXX submission, which is irrelevant to the fact that I am 1. still employed at XXXX ; 2. have been under the PLSF status since XX/XX/XXXX and 3. have submitted the XXXX showing the hire date. They are insisting on speaking with my supervisor. I have filed an EEO complaint against my supervisor and he has not returned numerous calls from XXXX XXXX. 

A federal government XXXX should be more than sufficient for certifying my ongoing employment.
Product: Debt collection

This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loans transfer to another company XXXX XXXX XXXX. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : States I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I purchased an XXXX  online, using my Citi card, The XXXX  was never delivered and the merchant wouldn't respond to emails.I filed a dispute with Citi, which was denied. I found that their customer service agent erroneously filed it as a cancellation, not non delivery. I have waited on hold for hours, and spoken to them 7 different times. They re nice enough on the phone, but keep responding in writing that they ' re denying my claim due to conflicting information ( THEIR MISTAKE, NOT MINE ) and that I need to contact the merchant, who, as they know, doesn't respond to my emails. ) Citi states that the merchant claims that he sent XXXX  but " can't provide '' documentation or proof. I am XXXX  and need the XXXX  to get around. My card was charged, but product not delivered. Please help.
Product: Vehicle loan or lease

I purchased this car in XXXX of XXXX. The delearship misrepresented the federal tax credits for this fuel cell vehicle and I feel that if I had known that there was not a {$8000.00} federal tax credit for this car I would not have purchased it. I have asked the dealership and Hyundai Motor Headquarters to send me the Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Manufacturers Certification Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Domestic Distributors Certification But none of them have sent me this information. In addition, ever since purchasing this vehicle they have been offering $ XXXX off of the MSRP price versus when I purchased the vehicle the discount was for $ XXXX off of the MSRP price. I don't think it is good business practice for them to offer an additional $ XXXX off of the price only 2 months after purchasing the vehicle and extend that offer for this length of a period of time. Obviously the discount has been in place for this long because they do not see the vehicle valued as much as they thought.
Product: Credit card

I've called Synchrony Bank several times about an unauthorized charge on my card. They said on both occasions that they was prompting and investigation and that they would have the issue resolved. Well nothing has been resolved and they are hitting my credit and constantly raising the late fee as oppose to closing the card and correcting the discrepancy. My credit score has gone down XXXX points be use of it.
Product: Credit card or prepaid card

Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( Mar. 27, 2020 ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).
Product: Debt collection

For the past XXXX  years I have been getting call throughout the day from a XXXX XXXX XXXX debt collection firm. We do not have any debts whatsoever and feel this has gone past the level of harassment allowed by law. I wish to take legal action and file a suit against this firm for harassment and engaging in abusive, deceptive, or unfair behavior as we have told them time after time ( at the beginning of the calls ) we are not who they are calling about but continue to get calls all the way up to XXXX pm at times. Please let me know who I need to contact to seek legal action and seek damages. Thanks you!
Product: Credit reporting or other personal consumer reports

This is my twelfth complaint regarding my experience as a victim of inaccurate credit reporting. According to Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove any items that were opened without my knowledge, consent, or authority within four business days, provided you receive : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information, and ( 4 ) a statement from me asserting that the information does not pertain to any transaction I have made. The following items need to be removed as they are inaccurate : 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 Bankruptcy - Discharged - Reference # XXXX. If you believe these items are 100 % accurate and verifiable, please provide me with copies of any associated documentation that bears my signature, as I am confident no such documentation exists. If you can not produce a signed agreement, you must remove these items from my file. If you fail to remove these items, I will refer this matter to my attorney for further action. Please avoid escalating this to a legal issue. You have four business days to remove any incorrect items from my credit file. I do not consent to the use of E-OSCAR or any automated verification methods.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to dispute an error on my Transunion credit report, but the website does not work or allow me to submit a dispute ( see screenshot attached ). Furthermore, Transunion website does not even let me access my credit report ( see another screenshot attached ). However, from XXXX XXXX I can see that there is a XXXX XXXX account reported on my credit report with erroneous balance ( see third screenshot attached ). Entire account consists of fraudulent balance and should be removed from my credit report ( see police report attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Account Account Number : 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 instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I took a loaner instrument for my daughter 's band flute while her instrument was at XXXX  XXXX XXXX, a XXXX affiliate, being repaired. On the last day of school my daughter gave the flute to the employee of XXXX XXXX XXXX that comes to the school to exchange the instruments. So from XXXX until XX/XX/year> I was not in possession of either flute. In XXXX they sent me a termination letter. When school started back up I returned to the XXXX XXXX to get a flute for my daughter and they told me that they still have her same flute and that the loaner was indeed returned and I could come by and pick up the flute. They also told me that I should not have had any charges while the flutes were not in my possession and that the payments would resume as they were before. I continued to make my monthly payments then one day I got an alert on my credit report that I was 120 days past due. I have been disputing this ever since. I spoke with the manager of XXXX and they said they had no record of any loaner being taken out or returned and that if I could find the paper they gave me 6 months prior and proof that the loaner was returned then they would delete the late payments. The XXXX XXXX informed me that they don't keep any recorded for more than 30 days since it is all transmitted and stored with XXXX. But when I call XXXX, they don't have these records either. It is their responsibility to keep these records on file, especially if they are reporting to the credit bureau, even if it is improperly. I have been requesting any kind of records from them since XX/XX/year> in an effort to get the inaccuracy deleted from my credit report. Beyond that, I did not give consent for them to access my credit report or did I open this account knowing that they would report to the credit reporting agencies. They never reported to the credit bureaus until the account was reported as 120 days late. They are still actively reporting on my credit of the accounts ongoing history. I do not know this to be in any agreement that I made and I feel they are being predatory, misusing my personal information, improperly reporting on my credit report and refusing to provide validation for the information that is being reported. I decided to pay off the flute in full. After the payment was received by them, I reached out in hopes of resolving this matter. XXXX then told me that my rental contract was extended for another year and that I still owed them more money! Even though I paid them what the asking price was to own the flute out right. After the conversation with XXXX, I called the XXXX XXXX  and they told me that I had indeed paid my account in full and that I owned the flute out right. And that they were trying to find the records that XXXX has been requesting to prove the loaner flute was returned to the XXXX XXXX at the end of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX  XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

Started last month when Capital One charged me a late fee because I paid my bill too early in the month, so I had to make a second payment to appease them and they reversed the late fee. I requested they change my due date from the XXXX to the XXXX to prevent this as I always make my payments around the first of the month. Now they did it again this month! I called and they said there was nothing they could do and it could take up to 2 billing cycles to make the change. Are you kidding me? 2 months to change a date on the account? I have never been late on any of my accounts. And to add insult to injury, the fee they charged this month was {$38.00} and when I asked why the increase, she said " well, the fee can be up to {$38.00} '' so they not only charged me, but they charged the MAX. I will be closing the account, but this is wrong!
Product: Credit reporting or other personal consumer reports

I was alerted that Chase made an inquiry to my credit report. they will not tell me who initiated the report and for what purpose. Someone changed my phone number in their system. Then I was signed up for Chase 's Credit Journey Identity monitoring system, and a credit report was run. 

Over the phone with XXXX, they said that it looks like the identity thief may have attempted to apply for a credit card in my name. Chase gave me NO information. Chase said said " this is nothing ''.
Product: Credit reporting or other personal consumer reports

Key Issue : Eastern Account Systems is mishandling my account and is in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : The account is currently only being reported to XXXX, which raises concerns about its accuracy and completeness. I demand verifiable proof to validate this account as required by the FCRA.