23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting I C SYSTEM without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : ( I C SYSTEM XXXX )
Product: Consumer Loan

I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car using XXXX XXXX on XXXX/XXXX/XXXX and I had a wreck where my car was totaled and my GAP insurance paid this car off in XXXX.
Product: Mortgage

We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked for a investigation and I never received a respond on my complaimpt I have item on my credit file that were fraudulently obtain in my name I an a retired vet and I'm trying to rebuild my life and reached out to ask for help and obtain legal advice and were advised to make a complaint to get some type of revaluation.
Product: Debt collection

L J Ross Associates used predatory tactics to collect a bill that I dont owe, I miss identified the collection agency in my earlier complaint but now have the correct information.

LJ Ross Associates XXXX XXXX XXXX XXXX MI XXXX in regards to a {$300.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I made a transaction for {$340.00} at the XXXX XXXX, processed through XXXX on my Chase Sapphire Reserve card. The services were not rendered and the merchant agreed to issue a refund in full, in writing. The merchant then stopped responding, so a dispute was opened by me with Chase. Chase issued me a credit. Then the merchant got back in touch after much delay, saying she would issue a refund, but couldn't do so without the dispute being cancelled. I called chase to verify and Chase advised that yes, the dispute needed to be cancelled. The dispute was cancelled and my account was rebilled. The merchant then struggled to issue a refund, after which I called chase back. My call was recording and a representative from the chase dispute department directly advised me that I needed to re-open the dispute, and to do so I would need to fax in my request in writing with evidence from the merchant. They told me a dispute reference number, the fax number and advised me to go to a branch to fax it in, which I did, timely. Then I got back in touch with Chase who said they couldn't re-open the dispute since 45 days had passed - however it was chase that advised me in error that I could re-open the dispute, causing the time period allegedly for re-dispute to lapse. Chase 's gross negliences and mis-training Chase 's policies are fraudulent, deceptive, unfair, and financially harmful to its customers. 

All of my calls were recording by Chase, so they can easily see that I was mis-advised and lied to. Furthermore, I was not advised of any 45 day redispute window when I called in on XX/XX/XXXX while still within that window, again in chase 's error.
Product: Bank account or service

I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy XXXX XXXXXXXX XXXX case # XXXX XXXX U.S.C 1681 SECTION 602 A States I have a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Credit reporting or other personal consumer reports

I have reached out multiple times through phone and email and have offered to assist and provide proof of documentation that is needed to assess that this is not my debt. Not once did i recieve a call from affirm or a statement to my house trying to collect debt which is why i took long time to dispute. This debt needs to be removed from my credit bearu as you have failed to provide proof of 1, The amount of the alleged debt ; 2.The full name and mailing address of the original creditor for this alleged debt ; 3.Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit profile may have been merge with other family members with similar name .... we all have live at same address in XXXX, md
Product: Checking or savings account

I am writing this complaint in regards of fraud activity going on in my checking account. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, GA XXXX. My car needed A LOT of repairs done to it, and the total costing of it was around $ XXXX. The man who fixed my car signed me up to a program called Flexshopper ( also known as FlexTires ). I did not have much of a say whether I want to join this program or not, and the entire transaction and information explained to me was inadequate. The man forge my income when I did not have a job at the time, and suggested that doing weekly payments was acceptable. Once we got to the end of the entire process, to sign my name was typed and not actually in signature form. Fast forward, weeks passed and I see the payments being taken out every Monday. Recently, XX/XX/XXXX they took out the payment and right behind that payment they took money out AGAIN on XX/XX/XXXX. Not sticking with the agreement they went in AGAIN, and took out another payment on XX/XX/XXXX. I went online on a computer browser to check my lease, and it claims that I do not have a lease agreement. When I use the Flextires app it states I have an agreement ; looking closely at the agreement there is errors, my name is not signed, the signature of the company does not look real, and my payment is only suppose to be {$46.00} and some change ( payments do not state they are authorized ). Tried to called the company three times no one answered, sent them two emails no one answered. Went to my bank ( XXXX ) to report a fraud and paid a {$31.00} fee. The fraud department did not do their job and now another payment has been taken out on XX/XX/XXXX. I am XXXX XXXX XXXX, stressed, working extremely hard to pay bills, to go back to college, and so forth. Having someone forge my information, taking out random deductions out of my checking account is infuriating. I have proof of everything I have said in this complaint and I need serious consequences to be handed to this company and XXXX XXXX XXXX XXXX. Also, my car is still messed up, my windshield fluid was completely empty, windshield wipers smudges, alignment not great, breaks are squeaking and creaking A LOT, I could go on. Thank you.
Product: Debt collection

XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). 

After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor.

Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have the fraud alert removed from my transunion account. I have sent the request through the mail and I am also uploading it here in hopes Transunion actually receives it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX  XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint regarding the reporting of some late payments reported by Amex. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military deploymnet started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX - BALANCE {$20000.00} Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX - BALANCE {$100000.00} Account Name : XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX - BALANCE {$100000.00} Account Name : XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX - BALANCE {$20000.00} Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX - BALANCE {$64000.00} Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX - BALANCE {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, Experian XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Product: Mortgage

Amerisave Mortgage took an application fee of {$500.00} saying that the could refinance my mortgage@ 2.5 % know what the income was prior to taking the {$500.00} application fee. Mortgage broker stated the underwriter was rejecting the application due to not enough income. I stated that my wife 's income could also be used.. broker asked what was her credit score. To this date I have not received anything stating from Amerisave or the underwriter why the loan application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error on my report with chase for almost a year now and I am not getting any help. Chase added a late payment on my account for a payment that was mailed but got mailed to the wrong address according to my bank. Chase knew about this but still added a late payment on my account. This is ridiculous I have 99 percent on time payments but had 100 percent on time payments for years and this was not my fault. Chase agreed to remove it but has not. It shouldnt be on my report at all. Someone please help. I believe its been removed from other reports but still reflects on two reports. I have never missed a payment in years.
Product: Money transfer, virtual currency, or money service

Ive emailed this company a dozen time and I can't get any response. I can not access my account they keep sending me emails saying I have bills due and I can't login to my account!! I emailed, I called!!, I used the chat and I can't get any support.
Product: Debt collection

I have XXXX hard inquiries and its identity theft I never applied for these accounts inquiry : CBNA/THD, XXXX, XXXX XXXX , and also XXXX I would like for these inquiries to be removed please [ 15 U.S. Code 1602p ]
Product: Debt collection

wrong amount, averytime to complain about it increse the amount for not reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXXXXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Debt collection

I dont know this company and I want this account removed immediately off my credit report