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

I received an email on XX/XX/ from JPMorgan Chase & Company Bank saying that my credit card bill is overdue and it is overdue by 120 days. However, I do not currently have a credit card from Chase Bank. I have not had a credit card in over 2 years from Chase Bank. I called to see what was going on and why am I receiving this email. I found out that someone used my social security number under a different name to get a credit card. I have requested as of 2 weeks ago to have this taken off of my report and investigated. I was getting the runaround saying that I needed to call the fraud department because Chase Bank couldn't do anything. The fraud department said I needed to call back Chase Bank. I want this matter to be investigated ASAP. I also asked what was the name on my account so I can file a police report for credit card fraud and they did not give me the name on file using my social security number to get this credit card. Niw this is affecting my credit score and should not be on my credit report because I do not have a Chase Bank credit card.
Product: Payday loan, title loan, or personal loan

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} This dispute is not for credit repair. These accounts do not belong to me. I have disputed these items with Equifax, XXXX, and XXXX, but the credit reporting agencies have not removed these accounts from my credit profile.
Product: Credit card or prepaid card

I have emailed XXXX XXXX XXXX  about XXXX  and XXXX  easy charges weeks ago. Chase bank is forcing me to pay online gambling charges. Meanwhile there are emails from the XXXX   saying Chase is refusing to pay them. Chase is violating UGIEA law. Chase knew the fraudulent activities were online gambling.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXXXXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

Capital One Bank, N.A. is now THREE days late processing my direct deposit from my employer without providing any realistic timeframe for fixing it.
Product: Credit card or prepaid card

I received a credit card from BBVA XX/XX/XXXX, around 1.5 years ago my cc was stolen and used. I disputed with BBVA several times about fraudulent use but they said that there was none and that I needed to pay or they would report me to the credit bureaus I did what they asked for my credit is very good and they have all the leverage to ruin it. I requested BBVA to close the acct over 1 year ago. I had been paying the closed acct for over 1 year from the same checking acct when I decided to pay off in full in XX/XX/XXXX when BBVA employee took down the wrong checking information and payment did not go through due to BBVA employee mistake. They called me several days later saying that I gave them the wrong acct and routing number which was going to cause acct to show late on my credit report even though I paid it off in full and paid it for over 1.5 years from the same checking acct that I gave them every month to make payments. BBVA has caused me hardship for I have been denied credit when I have had good credit this one 30 day late reporting on my credit has hurt me unfairly please help me.
Product: Credit reporting or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) XXXX XXXX XXXXXXXX XXXX
Product: Student loan

This matter pertains to my yearly renewal for IDR. 
Reported information and was asked to submit federal income tax, which I did. 
I was asked to send alternative information about income, which I sent paycheck stub. 
After sending paycheck stub, found out information taken from my GROSS amount was used to determine monthly payment. 
Then found out that the reason for using paycheck stub was due to answering " yes '' to significant change in income. 
I believe that question is deceptive and customers are lead to assume that change of income means making a lower amount ( which was my case ) as well as an increase. 
By using my gross amount as opposed to my agi, my payments went up 5x that of what they had been. 
It isn't right, affordable, or in fair practice for them to ask 5x the amount based on a person 's income who brings home less than half the amount of their gross pay. I am a teacher in MO and to begin with I have 14.5 % of my income taken out for retirement alone. On top of that, I have XXXX taken out for my portion of insurance premium. On top of that, I have XXXX taken out for XXXX ins. I haven't even got to my fed, state, and medicare deductions. This is a dishonest practice of fed loan and they need to make things right with my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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
Product: Credit reporting

Equifax..this agency deleted my high credit, 3 loan reportings from XXXX on my truck pd off in 2014. 
I managed to get the bank to re- submit the loan reportings..they had to do it twice before it was added ... and when it was added to my file..at the same time equifax deleted all but 3 of my XXXX XXXX positive reportings..keeping my score below XXXX. 
I do not know why they did this..im sending pictures of what was deleted.
Product: Mortgage

My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX
Product: Checking or savings account

I had a {$500.00} balance in my citi saving account. 
I decided to close my citi saving account and followed the instructions which first included zeroing out the account. 
I transferred out my {$500.00} balance on XX/XX/year> and this was completed on XX/XX/year>. 
My account was at a XXXX balance and called to close my citi saving account which was confirmed and status changed to closed shortly after online. 
My account then had a negative balance of ( - ) {$1.00} where they deducted my account the calculated interest on my {$500.00} that I deposited but never received. This then caused an overdraft on my account despite me only withdrawing the original {$500.00} I had deposited. 
I wanted to be done so I transferred over the unfortunate minimum amount of {$25.00}. This brought the closed account balance back up to ( + ) {$23.00}. 
On XX/XX/year>, my account balance is now ( - ) {$25.00}. Citi has no explanation. There is no description of transactions or fees online. I have no access to statements. I was then advised I had to go to a physical location to rectify this and there is no physical branch within XXXX miles of my location. 
I now have to on XX/XX/year> have to mail in a check for this negative balance. 
I should have never gone into a negative balance in the first place as I never overdrew my account and now this is costing me a total of {$50.00} to close this account with XXXX different {$25.00} transfers.
Product: Debt collection

I have requested a statement of the bill showing the amount that is in collections that I owe, but have yet to hear back from them and they consistently report to my credit file.
Product: Debt collection

In XX/XX/year>, I Sent XXXX Credit Bureaus a dispute that the company WILLIAMS AND FUDGE I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.
Product: Debt collection

On XX/XX/year>, I vacated my apartment unit at XXXX XXXX XXXX in XXXX. The management did not inform me of any outstanding dues via phone, email, or mail. Instead, they forwarded the matter to a debt collection agency. The debt collection agency also failed to communicate with me through any means before reporting the debt to credit reporting agencies. As a result, my credit score was negatively impacted without any fault on my part, which I believe is unfair. 
If they sent mail to my vacated apartment address, it was not an appropriate approach since the debt was charged after I had already moved out. 
Sending mail to an address I no longer occupy is not an effective way to communicate important information like outstanding debts. 

I have paid all dues as soon as I came to know there is a derogatory remarks on my credit report, Attached the copy FYI Client/Apartment Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX GA XXXX Collection Agency : Professional Debt Mediation , Inc . 
Disputes to : XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Toll Free ( XXXX ) XXXX
Product: Student loan

Ive been making payments for my student loans to a company called D2 Management who i thought was handling my loans, turns out that they haven't and XXXX XXXX has no reported payments on my loan. I was told by D2 that they worked with them but tirns out that they do not
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 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 XXXXXXXX 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: Student loan

I 've been steered into forbearance many times and not told about payment dates.. almost tripling my loans
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards. 
XXXX. Inadequate Investigation and XXXX on Automated Verification Systems Under the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of the disputed entries, which perpetuates the inaccurate information on my report. 
XXXX. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. has not complied with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has exacerbated the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires that debt XXXX and information providers must report accurate and verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.
Product: Credit reporting

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Student loan

I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was onXX/XX/XXXX. I wanted to involve the CFPB because its now been almost 2 months and I do not want my disputes neglected. This is taking way to long. Please deleted these inaccurate items from my report