23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is " The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge
Product: Credit card

I had made XXXX purchases at an auction and the items purchased were not worth what their appraisals stated. I disputed these transactions through my credit card ( Chase Freedom ), but Chase refused to help me stating that the charges were not disputable because : 1 ) i willingly gave the auction my credit card, 2 ) the charges were not done by someone else. So, I located the auction house and threatened litigation, among other things, and a rep flew to XXXX XXXX on XX/XX/XXXX and refunded my money ( {$8300.00} ) WITHOUT any help from Chase. I called Chase on on XX/XX/XXXX to confirm the refund was credited, and Chase confirmed that it was. Chase told me I had to wait for the credit to post and then it would take XXXX days to receive a refund check ( since I had already paid off the original charge of {$8300.00} ). I called Chase on XX/XX/XXXX and confirmed the refund/credit had posted, and I requested a refund check. NEVER was I told that if there were any charges after XX/XX/XXXX, that Chase could arbitrarily decide to subtract ALL of those charges and refund me the difference, but that's exactly what Chase did. I had made some additional charges on the card AFTER XX/XX/XXXX, and those charges were due XX/XX/XXXX. On XX/XX/XXXX, Chase ordered the refund check, deducted ALL of the current charges in the amount of {$3700.00}, and sent me the difference in the amount of {$4600.00}. AGAIN, the charges of {$3700.00} were NOT due until XX/XX/XXXX. 

I believe it is not Chase 's decision to make when I decide to pay the charges on my account ( which again weren't even due until XX/XX/XXXX ). AND, it is not Chase 's decision on whether or not they can take the FULL amount of the charges of {$3700.00}. I could have made payments on those charges if I wanted to because it is my card. 

The account was in good standing, it was not closed, and if I decided to pay minimum payments on the {$3700.00}, that would be MY decision, NOT Chase 's. 

This has to be illegal. Chase can not make that decision for me! I received a telephone call from Chase and a follow up letter stating that they sent me the refund balance of {$4600.00} instead of the {$8300.00} because there were charges made after the refund/credit from the auction posted to my account..
Product: Debt collection

I, XXXX XXXX, am formally writing this complaint regarding a debt collection company by the name MID SOUTH ADJUSTMENT CO who sued me for a debt that was barred. The collection agency stated that they had been attempting to collect on this specific debt since XXXX of XXXX. If I'm not mistaken, the statute of limitations for debt in regards of collections is 5 years in the state of ARKANSAS. I was sued 9 years later. I was sued for this debt in XX/XX/XXXX. This is abusive and desperate. A default judgement was brought against me, and my wages are being garnished. I am aware that debt collectors tend to often times take advantage of uninformed consumers. I filed a complaint initially against them concerning this matter and the debt collection agency responded that they were in compliance with the FCRA and FDCPA. The Debt Collection Rule prohibits debt collectors from collecting on debt passed the statute of limitations. It is illegal. So, how did this go over my head? MID SOUTH ADJUSTMENT CO was not honest in that initial communication from the previous CFPB complaint, and this is a violation of 15 USC 1692e ( 10 ). I did not receive documentation for a summons to court or perhaps it was sent to an old address? If this is the case, someone else was served and not me which is be a violation of the FDCPA per Acquisition of Location Information. I did not receive any calls, emails, or mail from this company. The FDCPA also clearly states per 15 USC 1692i ( b ) " Legal actions by debt collectors '' - ( b ) Authorization of actions - " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''
Product: Credit card or prepaid card

I received a phone call from First Nat'l Bank of Omaha about a XXXX XXXX credit card that had been applied for in my name on XXXX. When I called them, they told me that the card had over {$1000.00} charged on it. I was told by the gentlemen in the fraud department that I would not have to worry about the fraudulent charges and that info would be sent to me in the mail.
Product: Checking or savings account

My phone and wallet were stolen at a restaurant. My cards were all used to charge cryptocurrency purchases through my XXXX XXXX on my phone. These cards were associated with XXXX XXXX, XXXX and Chime. XXXX XXXX and XXXX were excellent in recovering the stolen funds. Chime will not even investigate. They are immediately denying the claims and only providing the transcript of a questionnaire the customer service agent went over with me on the phone. I provided Chime with a police report and letters of determination in my favor from XXXX XXXX and XXXX. They will not even look at these. They will not even attempt to charge back the transactions. And I got frustrated with them and they threatened to take action against my account. Please help me take action against Chime to recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 ) 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to open these credit card accounts
Product: Debt collection

CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following accounts [ Quicksilver Account # XXXX ] [ SavorOne Account # XXXX ]. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX, OR ANY OTHER ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. By Definition, the IRS Clearly says a Cancelled debt is Income. The reporting of this account as a debt is inaccurate. CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAP ONE AUTO terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of CAPITAL ONE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy pursuant to the Privacy Act of 1974 as a federally protected consumer I am now demanding that CAPITAL ONE either updates the account to reflect " paid as agreed never late '' status OR remove the accounts from all of my consumer reports.
Product: Mortgage

I received a forbearance/deferral from Mr Cooper. In XXXX I spoke with XXXX my dedicated point of contact who told me the past due payments could be tacked on the back end of the loan at the end of the plan. I have been trying to get in contact with her only to find out today I have a new contact person named XXXX. After I email her she finally contacts me to tell me that I now need to apply for a modification! This is specifically what I told XXXX I didnt want to get into. This bank plays dirty and gives out wrong information only to put you in a no win situation where they will deny your loan mod! They need to apply the payments to the back end of the loan and honor what I was told by XXXX, since I relied on that information! HELP!!!!!!
Product: Mortgage

I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX  XXXX
Product: Debt collection

A collection was filed with Berks Credit and Collection in XX/XX/2015. I was not made aware of a collection and there was no attempt on the part of Berks to contact me, although they claim to have sent XXXX letter in XX/XX/2015. This letter was not sent via certified maiI and, per an employee at Berks Credit and Collection, was sent to an address I had not been associated with for almost 3 years. In order to speak with the collection agency, I had to call Equifax for the company information. I first spoke to XXXX XXXX and asked her to remove one of the collections showing on my credit report since, for whatever reason, the same collection had been reported twice. She refused and told me to take it up with the credit agency. XXXX already told me the duplicate is because of an error from Berks and they can not remove it, only the reporting collection agency can. I then asked XXXX to remove the collection from my credit report when I pay and she refused that as well. She would not give a reason as to why they would not remove the collection when it would be satisfied today after I had to reach out to them. The call was ended so I called back and spoke to XXXX XXXX who was equally rude and condescending. XXXX ended the call with me as I tried to question the company practice of reporting paid in full versus removing the debt collection from the credit report. I want to understand this practice before the account is paid in full. Once reported tot the Better Business Bureau, the company responded by stating they will remove the duplicate account from my report since it was an error made on their end that has caused XXXX hits to my credit, but they have not addressed the fact that I was not given proper notice of this collection before it was placed on my credit report. In speaking with XXXX XXXX, Berks Credit and Collection admitted to sending a letter in 2015 to an address that I had not been associated with in almost 3 years. This letter was not sent certified mail and XXXX stated, " We ca n't send everybody with a collection a certified letter for their collection. We send a letter and if it does n't get returned, we assume it was received ''. I explained this is a poor assumption as mail is lost or thrown away all the time and there is no way to account for if someone received the correspondence unless it is signed for. XXXX continued to be rude, condescending and disrespectful on the call and threatened to end the call when I told her that she needed to watch her tone and attitude when speaking to a customer/client. Since proper notice of the collection was not given prior to the collection being placed on my credit report, it should be removed from my report altogether upon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are not responding to any of my requests to investigate and remove accounts that do not belong to me from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX
Product: Credit card or prepaid card

I have an issue with PayPal. 
Open dispute for unauthorized charges twice and they close it twice in a scamer favor
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX/ XXXX  bal. {$270.00}, XXXX XXXX  bal . {$100.00}, XXXX XXXX  XXXX bal. {$770.00}
Product: Debt collection

Today I received a collection notice in the mail from Global Credit & Collection Corp. The envelope and postage appeared to be junk with " Presorted '' in the stamp square. The letter is claiming that they have taken over " my debt '' from XXXX XXXX and that i owe {$1600.00} to a XXXX XXXX account giving no dates. No idea who XXXX XXXX is either. I have beautiful credit, no unpiad old accounts, nothing at all deliquent, past due or have I ever been late paying. I check my credit through XXXX XXXXXXXX XXXX, my bank and credit cards multiple times a week. Its alarming since I do have a XXXX XXXX card, but the info on the letter is not my account info at all, and my balance is much much less, so I have no idea what this debit is. The letter threatens that must I contact them within 30 days or they will assume the debit is valid. I have researched this company to find multiple complaints on a slew of sites including Consumer Affairs, all about scamming. One person said this company put hard inquiries on the their credit report with false amounts owed- they did get it removed, but how are they able to do that?! Also every person spoke of repeat harrassing phone calls, rude language, vauge information, and the representatives hanging up on them. Also, one of the complaints claimed to have spoken to an attorney who verified that this company in a scam and not a real collection agency. I found that they are not XXXX   accredited, appear to be from XXXX and are using XXXX addresses. I am hesitant to call them because i do not want more phone calls, I get enough solicitors that I do not answer even though I am on the do not call list. They are crazy if they think i will give them any of my information. I also do not want my credit compromised due to this fraud so i will keep monitoring and hopefully I wont have to dispute this. I have worked very hard to be in good standing, and for someone to mess with it to scam me is just not right. Be careful, do not fall for this!
Product: Credit card or prepaid card

Capital one has a fraud hold on my account and will not unrestricted my account after I made a payment. They keep sending me emails to upload my ID and none of the emails work. When I click on the link it says error every single time and wont give me the option to upload. 

Ive done this 20 times and they are not helpful and are just charging me interest and refusing to unrestricted my account. Also the employees were all laughing in the back ground when I got upset. This is an out rage
Product: Credit card or prepaid card

I was travelling at the end of XXXX and the payment was due early XXXX. I did not have data access ( just calling ) due to cell service. I called citi and they told me the payment was due XX/XX/XXXX. I logged in and paid the full balance on XX/XX/XXXX. 

On XXXX I find out Citi hit us with a late fee plus residual interest all because the payment date Citi told me was not right. I used Citi 's chat tool to discuss with a person who stated my payment was due on the XXXX, I pointed out I paid on the XXXX and that is exactly what Citi told me on the phone. The rep than changed the date it was due again. Citi is refusing to correct their mistake. XXXX  years with this card and XXXX late payments until now. This one was caused solely by Citi lying about the payment date, if they had told me it was due a different date, I would have paid it a day before that one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Debt collection

in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation