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

JP Morgan Chase Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of XXXX. My JP Morgan Chase accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXhe Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus are reporting inaccurate information Experian, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # 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 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: Checking or savings account

On XX/XX/XXXX of this year, I transferred {$5000.00} ( from the sale of a house ) to a new ETrade XXXXXXXX XXXX Account in my name, and a further {$95000.00} on XX/XX/XXXX. At this time, I was in the XXXX and have only recently returned. 

For some reason, and after many phone calls, I was told that the bank was unable to validate my account and they were going to close it. They told me that I had to get my US bank ( XXXX XXXX XXXX  ) to initiate the transfer, which I did, and received my {$100000.00} on XX/XX/XXXX. I also asked them about the interest, and was told that it would be mailed to me. 

Having just returned to the US, I did not find a letter or any other communication from ETrade. I phoned them today and was told that there is over {$200.00} dollars of interest in the account but the account is closed and therefore they can not send the money to me! 

Although the amount is small, the bank is being dishonest. Surely they can not keep interest earned on my money. Their reason given - that they have closed the account- is a problem they created by closing the account in the first place, and completely beyond my control. 

Also, I have spent hours on the phone, mostly waiting to speak to a human and also providing multiple documents many times- in short, abysmal customer service followed by a dishonest outcome. 

Any help here much appreciated.
Product: Mortgage

I was refinancing my house and we had a closing date and then I get a call from a different person at the company than I have been dealing with asking for me to cancel a dispute with a company that I had on my credit report when I asked why he got rude and said just do it so I did they sent the appraiser out to my house and that is where things got ugly they started asking me to go to the county and have them change how they have my house listed when I told them that I have tried to do this and they would not change it with out proof of what my house is so i told them that as soon as the appraisal came in and I had the proof I would go back to them with it and and a few days latter they called me and said they canceled the loan so I ask for a copy of the appraisal and they said they had up to 30 days to send it to me about ten days latter they tell me that I ca n't have a copy of it because they canceled it before he did it one person there says they have it one says they do n't the appraiser says he sent it to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, XXXX  and Experian, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.
Product: Checking or savings account

On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XX/XX/XXXX XX/XX/XXXXrefuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.
Product: Student loan

I filed to move to the new SAVE repayment program XX/XX/2023. I was told the process would take no more than two months. On XX/XX/XXXX, I was told a needed to make a payment to switch to the new SAVE plan, which I made the same day. I have called multiple times to verify when my payment plan is getting switched to the SAVE program. I have been told I have been approved and I'm just waiting for them to switch me. I've called 4 times total, waited on hold for over 9 hours and keep getting different dates as to when my approved SAVE program will go live on my account. This has taken close to three months and still radio silence on the part of NELNET. I am getting beyond frustrated with the slow processing, lack of communication and having customer service reps tell me different things without trying to help me in anyway.
Product: Credit reporting or other personal consumer reports

Experian is in violation of FCRA 15 U.S. Code 1679c 15 U.S. Code 1681s2 15USC1681 ( a ) ( XXXX ). 

I called Experian is reporting XXXX Accounts, THERE IN NO XXXX I called Experian over 6 months ago and was told that the XXXX XXXX  accounts would be removed but there are still there on my credit report.
Product: Credit card or prepaid card

I have two credit cards with Capital one. I lost my job due to Covid and I have been trying to make at least XXXX but it keeps telling me I have to pay more and will not allow me to make a payment. because of this the accounts are about to be charge off.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : XXXX Date Listed : XX/XX/XXXXXXXX  2. Account Name XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX 3. Account Name : XXXX XXXX XXXX Date Listed : XX/XX/XXXX 4. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally ma

ndated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX Entered into 36 month lease with BMW financial Paid {$2500.00} upfront Paid 14 payments to BMW financial at $ XXXX Paid car insurance for the BMW Paid title fees for the BMW XX/XX/XXXX BMW totaled XX/XX/XXXX BMW notified my lease terminated payoff of my lease with BMW good thru XX/XX/XXXX {$40000.00} Payout from my insurance {$46000.00} BMW is keeping the difference of the payoff and amount my insurance paid, because " they own the car. '' Offered 50 % of overage of insurance paid in " loyalty awards '' IF I buy/qualify for a new BMW. Giving me my insurance money and calling it loyalty awards. It's not awards when my insurance paid them. 
I made 14 payments of {$720.00}, {$2500.00} upfront, {$6100.00} overage from my insurance and a pay out amount of {$46000.00} for a loan payoff of {$40000.00}. They also state I owe them the XXXX payment plus my {$1000.00} deductible to pay my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
XXXX : Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please update the following information which I saw your credit bureau to be misXXXX XXXX XXXX Personal current address { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } XXXX. My proper full name { XXXXXXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }
Product: Money transfer, virtual currency, or money service

on XXXX XXXX XXXX XX/XX/2022 she made me transfer money to her 4 times total of XXXX dollars though XXXX. Now she has deleted me on her social media. I try to contact her by the email that she provide me but no answer back to me. I had contact my bank for there help because I dont know swindlers phone number or address. so please help me find my money back.
Product: Mortgage

The company has charged fees, when the mortgage was current, after it was delinquent. Then said they can charge what ever fees they want, but their contract clearly states they can only charge the fees when the mortgage is delinquent and they instead did the inspection after the mortgage was current. Now they raised the monthly rate and claim it is for taxes and insurance, but yet they did not go up. Then said after we pay off a certain amount, they will drop our mortgage again. They bought our loan without our permission and have been uncooperative and unwilling to work with us when we requested help or information. They are hard to get in touch with, takes weeks to respond to messages and do not follow federal government rules for housing assistance or loan modifications. They are a shady company that I wish we would never have ended up with!
Product: Credit reporting

Normally I have a security freeze placed on my credit report through Trans Union. On XXXX XXXX, I made an online application to lift the credit freeze on that day through XXXX XXXX because I had applied for a new credit card. This cost me {$5.00}. 
The credit card called me the next day saying that they could not process the application because my credit report was still frozen. That evening I called Trans Union and they assured me that the freeze has been lifted on the date I requested. I explained that the credit card company informed me of the contrary. In addition, Trans Union also informed me that I had completely removed the freeze on the card, and in order to replace the freeze, I would have to pay another {$5.00} fee. I assured them that this was not true, I had not permanently lifted the freeze and that I had only requested the freeze be lifted long enough for the credit card company to process my application. 
In the meantime, on XXXX XXXX, the credit card company once again called me saying they could not process my application because there was still a freeze on my credit report. 
So in the end, I could not have my credit card application processed AND I am being forced to pay an extra {$5.00} to put a freeze back onto my credit report, freeze that I never permanently lifted.
Product: Debt collection

I have received a letter from Capio partners today XX/XX/XXXX regarding a medical payment on XX/XX/XXXX for {$160.00}. 
I had paid all of my bills as soon as I received them. 
In addition, who remembers how much and how I paid a bill 4 year ago,?? when I never got notified of any past due bill???