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

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent.

Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Mortgage

Due to the Pandemic, I am having Financial difficulty & I contacted my Mortgage servicer on the advice of XXXX XXXX & XXXX XXXX to request that I can have my mortgage added to the back of my Mortgage & I requested the same form my Mortgage servicer, They were not aware of the Federal Regulation regarding homeowners having their mortgage added to the back of their Mortgage for 3 Months. 
They insist that I make a plan to pay them, A Clear violation of The Treasury Dept & XXXX XXXX  regulations & that they will be calling me every 20 days to assess my financial situation informed them that they were overstepping their authorities,, While violating mine, I am not financially capable at this time to make arrangement to pay them .I call to get help & they made it into a collection call to hustle me into a payment plan
Product: Student loan

I applied for Public Service Loan Forgiveness ( PSLF ) and was denied and then applied for the Expanded ( TEPSLF ) and was also denied. This was done in the fall of XX/XX/XXXX. I have well over 120 payments required and have actually been employed as a public prosecutor for almost 16 years. However they refuse to count the majority of my payments claiming they or not the correct type of payment. But they are now counting my payments even though I never changed my payment plan. I moved my loans back to the Dept of Education in XXXX/XXXX once I could to take part in PSLF. No one ever told me that there was a specific repayment plan needed to qualify even though I specifically asked. I also thought the TEPSLF was intended to correct this issue but was denied under that as well. I have been paying back my student loans for over 21 years and have been in public service almost 16 years. If anyone is deserving of this program it is me. Please look into this and help me. I have continued to make my payments every month even through the Covid-19 pandemic.
Product: Credit reporting or other personal consumer reports

The failure of the XXXXXXXX XXXX collection comany  as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX  XXXX Collection agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords.

I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.
Product: Student loan

So my federal loans have been tranferred over from great lakes services to Nelnet.com now. Since it has been transferred over ive had problem after problem with my account. I original spoke with a representative in XXXX to set up my s.a.v.e. plan application from my idr repayment plan. So the lady told me it was all set and should expect confirmation of my application and gave me my payment monthly. My payments were to resume in XXXX so i tried to get it done way before. A month goes by and still havent heard anything. So i tried calling every day and could never get through to speake to someone. I wrote several emails on there contact us portion on there website and have yet to even get a response. I sat on the line for 3 hrs on hold several times and still couldnt get through. i cant sit waiting that long since i have to work. So my wife called and sat on hold for 4 hours. Well speaking to them she told me my application was incomplete and waiting on me.So the first contact was incorrect on my account. I do another application on federalstudentaid.gov and correctly did it again. Another month goes by and hear nothing. So again i called several times and emailed several times and finally get ahold of someone. She said at this time i would take a month to process my application. So my first payment was incorrect and had to pay that amount. She also confirmed my account was just waiting on processing. This was in augus. So currently i get emails still stating my account is still in processing and now its XXXX. Then out of nowhere they put my account in forebearennce and i never agreed to that, im trying to pay my account and specifically told them this. I just received another email talking about my application is not done yet. I dont know what to do. This is very frustrating and want my payment set to what it should be. I dont know who else to contact on this matter.
Product: Debt collection

BANK OF AMERICA HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO XXXX AND B OF A AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO XXXX AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE B OF A. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Product: Bank account or service

Add-ons to CFPB Case numbers : XXXX and XXXX How could my {$2100.00} check disappeared without trace as what XXXX XXXX XXXX, XXXX and his other Branch Bank Reps told me on XXXX/XXXX/16 at the local Chase branch office ( Chase @ XXXX XXXX XXXX, XXXX, NJ XXXX ) where the Chase ATM XXXX is located? It might be a possibility that someone purposely removed my {$2100.00} check from the Chase ATM XXXX since XXXX/XXXX/2016. That would be criminal and Chase Bank should track down that person who is responsible for this incident. The Computer System in the ATM should be able to create/generate logs from the deposit since I made the deposit around XXXX XXXX on XXXX/XXXX/2016. The ATM printed out a receipt after the ATM swallowed my {$2100.00} check without crediting {$2100.00} into my Chase bank account. As I witnessed, the ATM system was shutting down by itself after the receipt was printed, then I saw Window 7 Operating System Logo at the bottom of the ATM screen, then ATM rebooted itself. After the reboot was done, the message of " The ATM has experienced a Technical Problem '' displayed again on the ATM Machine 's Screen. I called the Chase Claim department at XXXX ( shown on the receipt ) immediately to file a claim right away and spent some time to explain clearly what happened to my deposit failure with the Chase Claim Specialist, but I am uncertain if the Claim Specialist who answered the call the first time was responsible and wrote down or recorded what I reported to her in greater details to help the research and investigations. 

QUESTION : Who has the solid background that can work and solve this problem with a concrete resolution for this ATM Deposit Dispute at XXXX XXXX on XXXX/XXXX/2016 that I made? It requires a team of very experienced Engineers to look at the ATM Computer logs and all video feeds to analyze, find the check, and know what had happened to the check that I deposited at XXXX XXXX EST on XXXX/XXXX/2016. This incident should be traceable as it ate my {$2100.00} check without crediting my Chase Bank Account, and the computer logs should be captured by the ATM computer system if the deposit is failed and I have a printed receipt to show. If not, I would really question the DESIGN of Chase ATM system that simply could not handle deposit failures like this. This is a failure of JPMorgan Chase ATM XXXX and JPMorgan Chase Bank , N.A . should take all the responsibilities and improve their ATM as soon as possible to prevent more Chase Customers from suffering losses ( both checks or cashes ). Do you build the reliable ATMs to allow customer to use it? Most of all, I need the {$2100.00} to be credited permanently from JPMorgan Chase Bank , N.A . and this matter can not take lightly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to Experian and XXXX. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.
Product: Debt collection

Freedom Stores, and XXXX  has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent XXXX a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to XXXX as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.
Product: Checking or savings account

We ( myself and my daughter ) have tried unsuccessfully to open a fraud investigation with Bank of America since XX/XX/XXXX as a large sum of money was recently noticed to be missing from my checking account. On XX/XX/XXXX we called a started to give Bank of America dates and sums of some of the transactions- most in XXXX XXXX were ATM withdrawals of {$200.00} on a regular basis sometimes up to 4 times a day. Bank of America could not finish filing my claim because I did not have the ATM/debit card number associated with my account even though they had my ( now ) closed account number. We called back on XX/XX/XXXX to try to finish opening a case/claim but were unsuccessful again. I am an elderly man in his XXXX 's who is a naturalized citizen who speaks no XXXX and is not technologically savvy and even with my daughter 's help, we are getting the run around. The amount taken from my checking account just in XXXX alone is {$120000.00}. We have yet to receive the statements from Bank of America for XXXX after two weeks of waiting. I am also upset that when these transactions took place, the bank never called me to notify of such suspicious activity.
Product: Vehicle loan or lease

In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill. 

On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it. 

On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill. 

Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).
Product: Checking or savings account

On XX/XX/2019 my wife paid our housekeeper {$95.00} by check from XXXX XXXX XXXX XXXX. Our housekeeper deposited the check by mobile. The check was accepted by SunTrust Bank and then bounced, although there was {$29000.00} in the account. Our housekeeper was charged {$12.00}, which we reimbursed. Today, my wife went to SunTrust Bank in XXXX, FL. She spoke to a banker there who explained that the check account number was cut off when photographed and, although accepted, was not processed. Help me to understand why a computer glitch by the bank should cost me. T
Product: Debt collection

I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX as well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the XXXX as some information has been mixed up and given to other people please help me fix this situation
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

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