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

This complaint is for three companies. XXXX, True Accord, and XXXX. 

XXXX is reporting two alleged debts on my credit report that they previously sold to a third-party collector, TrueAccord. Despite no longer owning the debts, XXXX continues to report them, while TrueAccord is actively attempting to collect. 

This issue originally began when XXXX locked me out of my account for over XXXX months, preventing me from making payments or accessing my account. I contacted XXXX customer service multiple times and was told they could not accept payments over the phone and offered no resolution to the lockout. As a result, I was unable to make payments, and the accounts fell behind through no fault of my own. 

I also filed reports with XXXX during that time, explaining that I was locked out and XXXX refused to help. XXXX failed to take any action to assist or correct the situation. 

Once I learned the accounts had been sent to collections, I sent debt validation requests via certified mail to both XXXX and TrueAccord. I have proof of delivery confirming both companies received my letters. Neither has responded or provided validation, despite being legally required to do so. I also attempted to reach out via phone and email, with no reply. 

I later submitted multiple disputes with XXXX, providing documentation that : The debts were sold Neither company responded to certified validation requests XXXX caused the delinquency by locking me out and refusing support Despite all this, XXXX refuses to remove the XXXX unvalidated debts from my credit report. 

It has been over 60 days since my validation requests, and both XXXX and TrueAccord remain completely unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXX XXXX XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXX XXXX XXXX stating my account has been paid on time and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is placed in my credit report and within there data base for the trucking industry there's been a report filed as an incident/accident however neither took place. Incident nor accident and if need be I might get a lawyer to pull the phone call from the day of that " incident ''. Another thing my credit hasn't been reported correctly paid off some things and was informed if I do so my scope would go up 23-25 pts for each however it went up by 5-6 points. I placed a freeze on all information and I would like to proceed with investigation of fraud.
Product: Student loan

Navient chronically calls me about my loan being past due. Except it is n't. I 've printed a screenshot I would love to upload for you that is worth 1000 words. They constantly force you into the e-communication portal, but they never send any e-communications before a payment is due. I managed to get a 3 way call going with an attorney, and so now I get paper billing. Here is the issue with that ... my loans are due on the XXXX, and the billing comes on the XXXX, so that 's pretty useless as a reminder for the current month, so just get one month ahead ( which is fine ). But, I can see why they are being sued. Furthermore, my loans got LOST for years ( unsub and sub got split, there was a medical bankruptcy ) and there is a question about how much interest is my issue after the fact. XXXX XXXX was a whole other horrendous battle, I made repayments 3x to get the loans " rehabbed '' and they always failed to file paperwork on their end, which, as the customer ( and they swore at me, told me I had made a poor career choice, many other things ) should get me an interest load reduction. I can sue, or I can ask nicely and then sue. Either way, there are a lot of problems with all of these services and the QC is not there. Right now, if my loan is current, I would like it to be treated as current. No harassing calls, and for it to not show a due date of XXXX and then also say " past due '' on the same screen. Should be doable, correct?
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX  XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple identity theft reports to the company at their request and nothing has been done. Multiple accounts and addresses that are associated with fraud have not been removed.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a false collection to Midwest Recovery System. Collection now hit my credit reports even though I never had any knowledge of this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with JPMC in four years. I havent applied for a loan with XXXX XXXX XXXX  since XXXX, I have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 3 JPMC Auto Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

The CREDIT ACCEPTANCE CORP account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$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.

As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance. 
Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last letter Im sending to Experian before I sue Experian in court
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXXXXXX XXXX XXXXXXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX  XXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Square OFFERED me an application requesting my social security number ( CREDIT CARD ), to have them manage my business payments and I ACCEPTED their offer next CONSIDERATION took place. I was able to open the account and as soon as I started accepting payments they froze my account withholding all of my proceeds. I called in and asked why my funds were being withheld and they stated because the account was new they needed me to provide documentation before they would release my funds. I provided them with the requested documentation and was told that I would not have this issue again. I had another sale and has my customers submit overall payments through my Square account and again they withheld my funds. The last time I took payments vis Square was on XX/XX/XXXX, and yet they have failed to tell me what I did to be discriminated against and have yet to release my funds in the amount of {$2900.00}. GAAP follows an accounting rule that lies at the heart of the double-entry bookkeeping system called the Matching Principle. All federally insured banks ( FDIC ) must follow what is called the Generally Accepted Accounting Principles ( GAAP ) which are found in the federal statutes at 12 USC 1831n. Anything accepted by a bank for deposit would be considered as cash. Generally Accepted Accounting Principles, XXXX XXXX, XXXX XXXX page 41, Cash and Cash Equivalents. This principle works as follows : when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, credit card applications, or any other similar instruments ( hereinafter instruments ) from customers, and then deposits or records the instruments as assets, it must record offsetting liabilities that match the newly deposited assets. These liabilities ( Demand Deposits ) represent the amounts that the bank owes the depositor, or customer ( i.e., the funds accepted from customers ). I want JUSTICE and REMEDY IMMEDIATELY! 
FTC Report File # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Re :  XXXX   XXXX   XXXX  Equifa x To Whom It May C oncern : I am requesting that a dispute be initiated for a   XXXX    XXXX    XXXX    XXXX   XXXX  account. Account list account is closed I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me a description of the verification method and method for verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Product: Debt collection

Chase either colluded with XXXX XXXX, or failed to investigate an erroneous Charge. 
On XX/XX/2023, I was charged the wrong amount as the posted amount was different than the charged amount on the items Question. 

I provided documentation including photos of the items in question to Chase Bank with the correct amounts posted. 

Chase chose to ignore the photos of the items, and accept the charge as valid in violation of Massachusetts Law. Massachusetts Item Pricing Law requires food and grocery stores to individually price mark most items with the actual selling price. 
Therefore since Chase knew or Should have known, Massachustts price law, I should have been able to reverse this charge.
Product: Credit reporting or other personal consumer reports

Im writing today because some information reporting on my credit file accounts such as open sky credit card and XXXX  XXXX bank is reporting late payments, which I have statements down below to show I wasnt late, Im asking your company to please immediately remove these late payments. These late payments are damaging my credit report and for me to obtain future credit as well.. 
I have statements for XXXX credit card where is shows I did indeed make payment for XX/XX/XXXX And for XXXX  XXXX bank # XXXX I have statement as well showing I made payment for XX/XX/XXXX XXXX XXXX acct- # XXXX XXXX  XXXX acct # XXXX Thank you
Product: Debt collection

I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}
Product: Credit card

Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!
Product: Mortgage

on XX/XX/XXXX applied for XXXX mortgage with Bank of America to refinance my home onXXXX XXXX  with a Land lease for XXXX years. I was told that as long as the duration of the lease exceeded the length of the mortgage there would be no problem. I was assigned a person to assist me with all documentation which I supplied, paid a fee of XXXX $ and was approved with a closing dat set for on or before XX/XX/XXXX. Today I received a phone call informing me that the loan had been rescinded over the XXXX XXXX issue. From day one the bank knew my status and also knew that I had been turned down by XXXX XXXX because of the XXXX XXXX issue but unlike BofA, XXXX XXXX took 24 hrs to give me the information. I had innumerable conversations with my BofA representative none of which led me to believe that I would be turned down at the eleventh hour. I think the bank is guilty of misleading consumers and deceptive business practices and should be held accountable.
Product: Debt collection

cription : Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. The XXXX XXXX XXXX XXXX XXXX has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. XXXX XXXX illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to the XXXX XXXX XXXX  XXXX XXXX. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
Product: Mortgage

When we purchased this home in XXXX, XXXX, we were required to have an escrow with the lender. We have since refinanced with another lender and in the process discovered that our city property tax bill due XX/XX/XXXX had not been paid despite the amount being deducted from our escrow on XX/XX/XXXX. 
I contacted the City of XXXX and they confirmed that it had not been paid. I contacted XXXX thinking this would be easy to resolve but after getting nowhere I paid the tax on XX/XX/XXXX plus {$13.00} in interest. 
We have contacted NewRez ( the previous lender ) approximately ten ( 10 ) times on this matter and have gotten nowhere. Each time we call we are told something different. Sometimes it was paid by check, other times by ACH, it will be escalated, etc. The only thing that has been consistent is that they always need 3-5 business days to research and that time always elapses with no communication or resolution from the lender.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal letter to dispute obtain personal information appearing on my credit report maintained by your bureau. Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inactive. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : 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 XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 ( e ) ( b ) section 602 states I have the right to privacy ( 15 U.S.C. 1681 ( section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C.S 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 By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.Sec 1681 ( a ) you must complete the re -investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the listed address. According to the act, there shall be no charge for this updated report. I also request that up please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit card

I am filing this complaint against Chase Bank regarding their XXXX XXXX XXXX offer on my credit card. I have been making regular payments toward both my XXXX XXXX XXXX balance and my monthly credit card charges. However, due to unclear payment options on their website, Chase misapplied my payments, leading to unnecessary interest charges on my monthly balance. I believe they set it up in a way to confuse and mislead customers so they fall into situations like this. I now owe interest on my monthly payments over XXXX  months at XXXX % + interest payments. Because my credit card payments were applied to the pay over time balance. They said they couldn't relocate the funds towards the credit card balance.