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

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the XXXX business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Product: Credit card

In XXXX XXXX I was planning a to XXXX and had received a promo from British Airways for a British Airways Visa card, I applied online and was immediately accepted by Chase Bank for a BA Card. I have never applied before with BA or Chase for this type of promotional Credit Card offering me XXXX travel miles for the first {$2500.00} charged and addition miles for charging addition amounts. 
On XXXX/XXXX/XXXX I received a letter from Chase stating the premium was denied because the promo was only available to new card holders who have not taken advantage of this offer within the past 2-years. Again, I have never applied for a promo like this before. 
I called Chase on XXXX/XXXX/XXXX and was told that numerous notifications like mine were sent out erroneously. i asked to speak to a supervisor, XXXX XXXX, she denied what the first call center employee had stated and said I needed to call BA to get my points, when I stated the card sent to me told me to call Chase she said she could n't hep lp me and I asked to be transferred BA. I remained on the line and was connected to XXXX in XXXX OH, after putting me on hold for 30min. she restated what the first person told me that the letter was sent in error and that my points would be transferred to BA. 

This appears to be a bait and switch by Chase to enroll card holders through travel rewards and then at a future date after all conditions were met to deny those promised promotions.
Product: Debt collection

Midland Credit Management located at XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX phone number is XXXX XXXX XXXX. I spoke with Midland Credit Management back in XX/XX/XXXX and advised I did not recognize this account. Provide proof so that I can try to settle the account. I advised I was unemployed and may have to file bankruptcy to reorganize my debts. But I don't recognize this bill. I would pay it if I could. 

XX/XX/XXXX, Midland Bank stated the account was included in a bankruptcy and only their bankruptcy department could handle the account. I advised them I hadn't filed a bankruptcy since XXXX. They transferred to me to their bankruptcy department. The bankruptcy department stated they couldn't help me because this account particular account wasn't included in a bankruptcy and the customer service department shouldn't have transferred me. Yet, they couldn't provide information either. This transferring back and forth went on for about 35 minutes until I asked for a supervisor. They kept transferring me and putting me on hold. I was then told I couldn't get verification regarding this account for a month, because of the Cornovirus. They were short staff. I kept insisting on speaking with a supervisor. A gentlemen name XXXX XXXX, identified himself as a supervisor. He advised me to call him back at XXXX on XXXX at XXXX XXXX XXXX x. XXXX and he would be able to provided information regarding this account on XX/XX/XXXX. 

I called back on XX/XX/XXXX @ XXXX. XXXX XXXX XXXX. a specialist for debt consumer support services. took over the call and tried to collect on a XXXX  account that was included in a XXXX chapter XXXX Bankruptcy. I advised the agent I wasn't paying on a XXXX  account that was included in a XXXX bankruptcy. I wanted to settle the account with XXXX XXXX   from XXXX that they keep calling me about. He said he didn't see an account with XXXX XXXX, just the XXXX account and he apologize for the mistake. He notices the account was included in a bankruptcy from XXXX. He transferred to back to the customer services department again. 

Midland credit has no idea what accounts they are collecting for. They have reported accounts on my credit report, that they can't even find or validate. I asked them to stop calling me, especially if you can't verify this account. I have gotten several different stories when I have called to try to pay this bill and it doesn't add up. 

XXXX XXXX identified himself as a supervisor and to call him back at XXXX XXXX XXXX x XXXX. Each time I attempt to call him back the phone number doesn't work. Each time I try to reach him, no one can connect us or knows who he is. YET HE IDENTIFIED HIMSELF AS A SUPERVISOR. 

I WOULD LIKE TO FILE A COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT. 

XXXX XXXX, account manager. stated Midland Bank can't find the sales receipt stating I own anything. He would send me the papers to dispute the account, yet they have reported it on my credit report.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter.
Product: Mortgage

The borrower applied for a modification in  XXXX   2016  and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.
Product: Debt collection

Dear I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

I had monthly automatic payments using my First Midwest checking account. When Old National took over, my bill payments don't show up on my online banking. 

I have no control over the payments now. I want to stop making payments to an account that has been paid off, but the auto payments continue. I have no way of stopping this. 

Calls to the one number Old National provides have wait times longer than one hour, according to their phone announcement upon calling. I waited 90 minutes and my call was dropped when an agent finally picked up. Emails go unanswered, and their online " chat '' comes up blank. 

Terrible customer service, and obviously poor planning for the takeover from First Midwest.
Product: Student loan

Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.
Product: Debt collection

Radius Global has been contacting me 4-8 times a day for over 2 months. I have made it clear they need to send proof to my address before I agree to speak to them on the phone. 60 % of the calls are from spoofed numbers. 

For instance today they have called me 6 times, yesterday 8 and the day before that 6 times. Calls are coming in 3 minutes after they attempted a previous call and I am getting frequent calls after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.
Product: Debt collection

In XXXX of XXXX I enrolled with XXXX XXXX XXXX  to assist with my credit card payments. I thought this was going to be better than filing bankruptcy. In XXXX or XXXX of XXXX XXXX XXXX agreed to settle my account for XXXX. XXXX XXXX has been making monthly payments to XXXX  XXXX in my behalf since then. I checked my credit report XX/XX/XXXX, and found a company LVNV Funding was reporting me for collections in the amount of {$3000.00}. I called LVNV ( Resurgence Capital ) and they explained they purchased my credit card account from XXXX  XXXX and that I would need to start paying them because they were the account holder now. I explained to them I settled my account with XXXX XXXX and wanted this removed from my credit report. The agent told me they could not remove it because I now owe the balance of XXXX to LVNV, and its now in collections. I asked why would I pay 2 separate companies for one credit card, and told them I was not paying them anything, and I want it removed from credit report. The agent told me that she will send me some paperwork showing the balance I owe and my account information. I contacted XXXX XXXX and was told an agent was going to review and get back to me on Monday XX/XX/XXXX. I don't know who LVNV Funding is. I never had a credit card with them. I also don't know how, or why, I would owe them any money on a settled account. I also don't know where all of these so called charges are stemming from on a closed account. Please assist with letting me know what my options are. I am attaching screen prints of my settlement info with XXXX XXXX and my credit report.
Product: Debt collection

I received to statements claiming I visited XXXX XXXX XXXX. Once on XX/XX/2015 acct # XXXX for {$1400.00}. Another on XX/XX/2015 acct # XXXX for {$480.00}. I am a regular patient at the XXXX  XXXX XXXX XXXX. I do not go outside the va for my medical svcs as for my recollection I have never visited XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account never had any late payments. XXXX XXXX close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX  days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you XXXX  days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within XXXX  days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Checking or savings account

The company involved is Chase Bank. I have an existing complaint # XXXX, which you have closed. I don't understand how you can close this complaint before receiving my feedback. The response from the company has errors in it and I would like it looked at again. I received the company 's response on XX/XX/2024 and replied to it on your website today.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I do not have any written or signed document that states I have an account with this company, Portfolio Recovery for {$620.00}. This is invalidly reporting to the credit bureau.
Product: Mortgage

Loan sold from XXXX XXXX XXXX to " Carrington. '' Within 2 months of sale, escrow payment skyrockets. As apparently as it was explained to me by " Carrington '' XXXX XXXX XXXX did not require a " 2 month cushion '' in my escrow, but " Carrington '' does. Therefore, my escrow skyrocketed. I had no say in this, no warning, no nothing. But a {$140.00} increase in my monthly payment 2 months after being sold to " Carrington ''. They waited 2 months to hit me with the bad news. They say to pay off my " 2 month cushion '', I need to pay them nearly {$3000.00}. What " Carrington '' has done is INCREASE MY MONTHLY PAYMENT FOREVER by adding " their own '' requirement that has nothing to do with my loan. I was NEVER given the opportunity to ask questions, to understand this would be coming, to shop around for a different mortgage holder -- nothing. My loan was simply sold and my escrow skyrocketed. What other new amount will " Carrington '' add to my loan WITHOUT NOTIFYING ME? When will " Carrington '' mandate that I have to have a " XXXX '' cushion?
Product: Credit reporting, credit repair services, or other personal consumer reports

TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX  and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
Product: Debt collection

I received a letter in the ail from XXXX XXXX XXXX XXXX account ending in XXXX to collect on an old Chase debt, Acct-ending in XXXX. I called XXXX and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a chase account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a chase account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( 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.

EQUIFAX 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: Checking or savings account

My card was stolen and used to spend over XXXX at a place called the XXXX  and Bank of America are refusing to refund me
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are incorrect and have significantly harmed my creditworthiness. I previously disputed these errors in a letter sent to Equifax on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, Equifax failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the CFPBs recent order requiring Equifax to pay {$15.00} million for improper investigations of credit reporting errors. The CFPB noted that Equifax repeatedly failed to investigate disputes thoroughly, resulting in the continued reporting of inaccurate information on credit reports.

Under 15 U.S. Code 1681i, Equifax is obligated to investigate disputed information and ensure its accuracy. Their failure to do so in this case constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue financial harm and emotional distress. 

I have attached the dispute letter, along with relevant documentation, including account details and evidence of inaccuracies, to support my claim. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.
Product: Credit reporting or other personal consumer reports

All the information is not there and when I attempted to dispute certain items it wouldnt allow it. My information is not updating as fast as it did 45 to 58 day is unacceptable I have bill that I have paid months ago and have not updated and they will not allow a dispute