23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I received a debt collection letter from Credit Control. I exercised my right and sent a debt verification request letter to Credit Control located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Credit Control DID NOT verify the debt despite my emails that I sent them on XX/XX/XXXX & XX/XX/XXXX and a call to verify the debt on XX/XX/XXXX but instead another Collection company named : XXXX XXXX XXXX. located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the debt on all three of my credit reports without informing me whatsoever about this debt or verifying the debt or providing a reassignment of debt to them. 
This is a breach of the Fair Reporting and Collection Act.
Product: Mortgage

Chase is taking my mortgage payment and not applying it to the loan. They clear the check and then put it in an unapplied status meanwhile collecting interest and applying penalties. We have spent hours on the phone with them clearing up the prior month and then it happens again the next month. At the same point, they are sending emails telling me we have not paid our mortgage. This is deceitful and criminal.
Product: Vehicle loan or lease

I saw a car I liked and knowing my rights to credit, I decided to start attempt to initiate a consumer credit transaction using my SSN with Chase. Its a credit card as defined by congress.It was used and I sure didn't get anything positive from it.I received an adverse action letter dated XX/XX/2021, from JPMorgan Chase as well. How can they claim to extend credit, if I started everything ( by wanting a car ), and made them a creditor? 

It is also my right as a natural person to credit. So in that aspect what laws say that I can be denied my own right? Banks can only borrow money. So if the original creditors are natural people, the only way another can become one is to get it extended to them. In the letter for denial from Chase it was stated they couldn't find a credit score, that i didn't have the income, or credit accounts. Income is for a business. What laws say that I can be denied anything based on the false things consumer reporting agencies may or may not say? What am I supposed to do to initiate a consumer credit transaction, using my CREDIT CARD, that I am missing? As I am aware i was only supposed to pay the finance charges that would arise. What says otherwise? 
My credit card was used. I didn't get anything. My right was denied ; my right being credit. and the RIGHT to defer the alleged debt, as defined by congress.
Product: Debt collection

Dear CFPB, I have XXXX XXXX XXXX XXXX XXXX, so I have a XXXX XXXX  and XXXX office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX  office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( XXXX XXXX XXXX ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX  office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... Respectfully, XXXX
Product: Mortgage

My husband was a loan XXXX at Amerisave Mortgage Corporation. We started the approval process, got our approval, went under contract on a house, and now are 14 days from closing. When my husband was laid off from XXXX on XX/XX/2021 they also closed my loan file " for an incomplete credit file '', when we had no more work to do and refused to pay him on the loan. Now we have to go to a new loan company and start the process all over because they closed our loan with no cause and without any permission from me the borrower. As my husband describes, the loan was " in closing '' meaning, the docs had already been sent to the title company to balance and the closing date was scheduled. Pretty ridiculous as far as I'm concerned!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXR Account Number 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, all have 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: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a 711 % credit utilization. This has caused a huge drop in my credit score and caused one credit card to reduce my credit line and then close my account. 

I have contacted them several times via message on their website and via phone. I was told they would contact me again in a few days with a solution. 

Two weeks have gone by with no contact, and now my score dropped XXXX points and it is showing as 754 % utilization. 

I believe my utilization is around 40 %. It is not even mathematically possible that I could be using more than 100 % of my available credit. 

This is causing huge damage to my credit score and preventing a refinance application from going through!
Product: Checking or savings account

I opened a XXXX with XXXX by Goldman Sachs on XX/XX/year>. XXXX unilaterally closed the account. XXXX failed to return my money until XX/XX/year>. XXXX has failed to pay all interest owed to me while it possessed my money. XXXX owes me 5.15 % interest ( the agreed upon CD rate ) for the months of XXXX, XXXX, XXXX and 14 days of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair credit reporting act XXXX Account # XXXX, # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX $
Product: Bank account or service

I opened a Citi bank saving account prior to XX/XX/2016 ( during the promotion period and applied with promo code ) and transferred the required fund on XX/XX/2016 ( within 30 days of after account opening ). I was supposed to receive {$400.00} bonus for opening a saving account provided that I maintain a $ XXXX balance for 90 days with initial $ XXXX new money. However, after 90 days ( since the transfer ), I still have n't received the bonus. I did some research online and found many people who signed up for Citi bank promotion did not receive the bonus either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XX/XX/XXXX and XX/XX/XXXX have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

I have requested, more than once, that all three major Consumer Reporting companies delete all old mailing address from my consumer report. Neither Equifax, XXXX, or XXXX have complied and shall do so according to Section 605 ( h ) ( 1 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesTransunion XXXX XXXX XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updatedXXXX 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 I have contacted the credit bureau on several occasions.
Product: Credit reporting

my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 Credit Bureaus XXXX, XXXX and Equifax several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XX/XX/XXXX {$0.00} {$250.00} {$5400.00} XX/XX/XXXX REPOSSESSION {$510.00} XXXX XX/XX/XXXX {$4000.00} {$46.00} {$4600.00} XX/XX/XXXX CHARGE-OFF {$1500.00} XXXX XX/XX/XXXX {$3000.00} {$3600.00} {$3600.00} XX/XX/XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : 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 Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : MABT - RETAIL XXXX XXXX  XXXX XXXX, OR N/A N/A $ USD XXXX
Product: Debt collection

On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Product: Debt collection

The company has called me multiple times requesting to speak to a person I do not know. I have let them know they have the wrong number, let them know that I do not know the person, and requested that they stop calling me, remove my number. 

They continued to call. I filed a complaint, they stated they were not aware they had the wrong number, that I had never communicated this to them, but they would stop at that time. 

They are calling again.
Product: Debt collection

After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. 

I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. 
And they continue to report inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These six accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Specifically, I want 6 accounts removed.
Product: Credit card or prepaid card

Good evening, I have been having tons of issues with the Goldman Sachs Apple Card. They closed my account in 2022 with explanation that I have filled for the bankruptcy. I called them on multiple occasions to let them know that I never filled for bankruptcy, which could be verified with the courts. However, after so many calls to the card issuer, they sent me letter on XX/XX/2022 explaining that they will issue the adjustment of {$2300.00} and credit in the amount XXXX if I open new account. I have called the bank again, and they admitted they made a mistake, and that someone else had similar XXXX as mine. Now, months later the bank keeps calling me, and trying to collect {$2300.00}. They are stating they have no recollection of anything being sent, or that I have spoken to someone. In our conversation I advised them that I will report them to CFPB, and they did not care at all. I guess they are not aware what CFPB stands for. Can you please advise? I have attached letter that was sent to my personal email. 

Sincerely, XXXX XXXX
Product: Debt collection

LJ Ross Associates placed a collections account on my credit report for a purported five-year-old debt I do not owe. LJ Ross Associates acted with wanton disregard for the truth, and placed this item on my credit report without verifying the amounts with me, and without properly auditing the accuracy of the data. I attempted to contact the company by phone, but they did not answer.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not

complete or accurate. ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Delete these inaccurate accounts from my credit report
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over XXXX XXXX I contacted my credit card company XXXX to see what is my best options. And the XXXX Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your Equifax credit report regarding your XXXX XXXX XXXX My score decreased XXXX XXXX because I contacted XXXX about the purchase I made for a service I never received and I wasnt reimbursed.