23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sent me a letter dated XX/XX/XXXX claiming that I ( XXXX XXXX ) have done and/or you ( XXXX XXXX ) the following : -Neglected to pay promptly my obligations -Failed send money as a payment -Failed to use the opportunity to contact XXXX XXXXthat XXXX XXXX has offered -Billed me repeatedly ( inferring that I have ignored your statements sent to my residence ) -Owing a lump sum of {$8200.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX claims are in error ( blatantly wrong ) because : -I sent a resolution letter stating what I can on a monthly basis on XX/XX/XXXX - {$5.00} per month sent out by the XX/XX/XXXX of each month as a payment - {$5.00} payment was enclosed in the resolution letter for XX/XX/XXXX payment There are three ( 3 ) different debts that I owe from XXXX that I sent three ( 3 ) separate resolution letters for, which are : -Account # XXXX -Account # XXXX -Account # XXXX Each month, three ( 3 ) seperate letters are sent with {$5.00} payments all to XXXX XXXX at XXXX. XXXX XXXX, XXXX, MI XXXX I have only received one ( 1 ) letter each for each of the three ( 3 ) different debts and never repeated billing of each of the three ( 3 ) different debts and/or phone calls. 


Therefore, XXXX XXXX letter comes off as predatory and intended to scare me into your terms and conditions of payment. In the resolution letter, XXXX XXXX has had the opportunity to communicate with me via postal mail. By postal mail, it is most effective to keep documentation of what is discussed between us ( XXXX XXXX and myself ). Instead, XXXX XXXX sent me a predatory letter with erroneous claims. Plus, when did XXXX XXXX and Iagree to combine accounts into a lump sum amount to pay towards?
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. 
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.
Product: Debt collection

On XXXX XXXX received a call from an unknown caller. I answered he said he was from XXXX XXXX processors office I was involved in a civil suit to call an XXXX number for mor info. I called the lady on the phone she said I was going to be sued for credit card debt in the amount of {$3000.00} that was owed to Bank of America she said the account was from year XXXX until XXXX. I said I dont remember anything on this debt. At some point I asked for some proof of debt. I was told Bank of America wanted to file a suit that the judge will have that info. I then said even if this is my debt the statute of limitations has expired. She said that they will still sue. They had my credit report information and my social security number When I got off the phone I called the courts. I was told nothing has been filed as of yet. I called them back to get an address from the law office I was put on hold for a long time and I eventually hung up
Product: Credit card or prepaid card

In XXXX, 2019, Chase offered the following special on my Chase Freedom card. 

" Earn 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards using your Chase Freedom/Freedom Unlimited card during XXXX. '' The fine print on the offer included the following : " Earn a total of 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards. Offer valid on purchases made XX/XX/XXXX XX/XX/2019. Bonus cash back will post to your account within a week of the transaction posting, and will appear on your monthly credit card billing statement and be available for use within 1-2 billing cycles. To qualify for this promotional offer, account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. '' On XX/XX/2019, I made a hotel purchase using my Chase Freedom card through Chase Ultimate Rewards for a total of {$410.00}, fulfilling the terms laid out both in the main text of the promotion, and the fine print. This transaction should have awarded me XXXX bonus points. However, the bonus points did not post to my account within the stated timeframe. I contacted Chase Customer Service on XX/XX/2019 and received the following reply : " We researched the promotion you have requested. We found that the reservation was booked on your card ending in XXXX, a Chase Sapphire Reserve credit card. In order to receive the promotion, the reservation and transaction must have been made through a Freedom credit card, as this is a Freedom promotion. We regret to inform you that the account is not eligible for the promotion. " I appealed this denial because they were incorrect, and the reservation was purchased on my Chase Freedom card, which was targeted for the promotion, as required in the terms of the offer. 

I received the following reply from Chase Customer Service on XX/XX/2019 : " I definitely understand your reason for concern. I confirmed the purchase was made on your Freedom account ending in XXXX. However, the reservation was made on your Sapphire Reserve account ending in XXXX. As we previously advised the reservation and purchase must have been made through a Freedom credit card to receive the bonus points. I apologize for the inconvenience but we would not be able to add the bonus points to your account. '' In Chase 's reply, they are introducing new and misleading rules that are not stated within the original offer in order to deny my appeal. While they confirm that the purchase was made on my Freedom card, fulfilling the original terms of the offer, they are still refusing to honor the promotion and credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much Delete from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for   XXXX   to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that  XXXX  had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why   XXXX   chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that   XXXX   refused to block were as follows :   XXXX   XXXX   XXXX    Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to  XXXX  were fraud.
  XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case   XXXX   Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to   XXXX   by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis.
LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Ensuring punctual payments has been my consistent practice for this account, preventing any instances of overdue payments. I'm uncertain why there are references to late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Credit reporting or other personal consumer reports

My friend lived with me for a while and he used my name to open credit stuff up. I want the fraudluent accounts the he did to be taken off my credit. I also want to say that I know about the CFPB lawsuit thats going on with the credit places and I hope my dispute isnt one of the ones that they dont do correctly. If my disputes are done correctly id like to be added to the lawsuit against the credit places.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Mortgage

My loan has been interest only plus desired principal for years and suddenly the required payment ballooned up years after the original XXXX had passed without a letter or any kind of warning other than the billing statement from about {$1200.00} to $ XXXX. They refuse to provide an amortization statement of any kind for the remaining $ XXXX balance. 

Last month we paid {$4200.00} via check on XX/XX/22. They debited the same amount a second time on XX/XX/22 and credited that to the principal. For several previous months, we paid in advance via check and were not debited, so we did not expect to be out over {$4000.00} twice in one week. 

I contacted them for a refund of the second payment on XX/XX/22. They assured me the payment was issued XX/XX/22 although various agents aren't quite sure if it was mailed that day, the next day ( Saturday ), or Monday. 

I have called multiple times about it not being received yet and was told if I didn't have it by XX/XX/22 they would re-issue the check. Called XXXX and, surprise, they now say it can't be reissued until XX/XX/22. They also will not do it electronically, via XXXX, via XXXX, or even USPS XXXX  It can only be sent regular mail. They will not check to see if the original check was stolen from the mail and cashed. I get a new runaround every time I call. If you try to get a supervisor, no one is ever available.
Product: Checking or savings account

I deposited checks in person at Chase Bank and they placed holds on both checks. I deposited on Saturday XX/XX/XXXX. Today is XX/XX/XXXX. 

The wage related check was from the same employer payroll account, which was direct deposited into my Chase account from XX/XX/XXXX - XX/XX/XXXX and I pointed this out to Chase. 

The non-wage check is drawn on the former employers XXXX XXXX business account for XXXX XXXX XXXX. 

[ Chase released my wifes settlement checks from same employer after 2 days and she deposited hers the afternoon prior. ]. 

Deposited : Check from previous employer for back wages. Check XXXX in amount of {$17000.00}. Date of check XX/XX/XXXX. Check was cut by the XXXX XXXX in XXXX XXXX, CA, representing former employer. 

XXXX XXXX check on behalf of their client ( my former employer ) as settlement of non-wage related claims. Check XXXX, in the amount of {$31000.00}. Check dated XX/XX/XXXX. 

I have made numerous calls to Chase Bank, only to get the run around. I want the release of my checks ASAP and daily interest paid by Chase Bank to me for everyday they hold my funds. 

Again, they released my wifes XXXX checks from same employer after 2 days. They continue to hold mine. my wife is XXXX  and I am XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing regarding all debt you have contacted me about. I am disputing this debt and am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest or fees.

3. An itemized statement detailing the medical services provided, the dates of service, and any payments made.

4. Copies of any documents that substantiate the debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Additionally, please cease all collection activities and communications until this debt has been validated. I also request that you do not report this debt to any credit reporting agencies until it has been verified.

If you are unable to provide the requested information, please notify me in writing and cease any further collection efforts.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX Equifax : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Product: Mortgage

We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated.