23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX applied for a Chase Credit card online. We were approved and received an email stating we would receive our cards in 5 to 10 days with a credit limit of {$700.00}. We have great credit score but wanted to do a balance transfer. After 10 days we did not receive our cards but did receive an email stating if we made a {$4100.00} purchase, Since we didn't received our credit cards nor made any purchases. I called chase fraud department right away. I stood on the phone for XXXX XXXX to find out what was going on. I was told that we made a purchase of {$4100.00} dollars, I told them that we have never received the cards. Chase stated that they were mailed to XXXX XXXX XXXX XXXX # XXXX, XXXX. I told them why would they mail them to our old address since we lived at XXXX XXXX XXXX XXXX Az XXXX since XX/XX/XXXX and that we changed all our addressed before we moved out and when I filled out the application I put our new address so why did they mail them out to our old address. They apologize and said that they will send out new cards to our new address right away. On XX/XX/XXXX we received the new cards so I wanted to do a transfer but the rep XXXX from Chase accused me of stealing {$4100.00} from them. I was really upset and told him that his departments mailed them to our old address and that when I filled the application I typed in our new address and if they look at my chase account they will see that I made the changes with our Banks, all our creditors, and Post Office and that when I applied on the application I put our new address so why would they mail it to the old address, and why were they accusing me of fraud. I have great credit, because I care about my credit, I even called the same day that I received a text message that there was a {$4100.00} charge on my credit card that I never received. I called them back today XX/XX/XXXX and his name was XXXX who accuse me of fraud WHAT!!! I told him how dare him accusing me of fraud when I never received the cards at my new address and that the mistake was from their Company who mailed them out to the wrong address. 
I want this resolved, XXXX then hung up on me. 
I just want chase to get this resolved, We never received the credit cards and when we did receive the text message about a {$4100.00} charge we called them rights away. 

I want this to be resolved right away and I do not want their credit card after. I have 2 bank accounts with them for the last 10 years and never had any issues so we decided to apply for a credit card so we could do a balance transfer. Now I want to take my money out of my accounts because of how i was accused by XXXX of fraud
Product: Credit card or prepaid card

American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX  this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never advised that XXXX bought out my security co XXXXXXXX XXXX in XX/XX/XXXX. I was never contacted by XXXX or received any XXXX equipment. My payments were coming out of my checking acct. I do not use my security system very often. I was going out of XXXX, XXXX and attempted to set my alarm when I realized my system was not working. I had made payments for XXXX, XXXX & XXXX. I called my bank and had these payments revered. I called XXXX advised them of the situation and ask my acct be closed. They told me I was under contract. When I ask for a copy of the contract, the contract dates had expired. The contract date was signed XX/XX/XXXX for a term of three years expiring XX/XX/XXXX. They have now reported me to Trans Union as missing a payment. Which has effected my credit score severely. They have a collection agency calling and harassing me : XXXX, XXXX XXXX XXXX, The XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX Al XXXX, ( XXXX ) XXXX ext XXXX. Have reported this to Transunion. The response did not give me a resolution and still shows me missing a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Ive received an email Stating there was a change to my credit file and go online to XXXX XXXX there I noticed my credit score dropped XXXX points and they left a negative remark on my file that I have no knowledge of. Ive been pay on time and even lowered my balance.
Product: Debt collection

They call me almost every day. They do not provide information on debt provided over the phone. They wait until I say something and then sometimes just hang up. Theyve also sent me numerous text messages. I clicked on the link once and it led me to an account registered under someone elses name. They do not stop. They call me 4-5 times a week. Doing the same thing. They have been doing this for the last 2 months. I am showing you the times I havent picked up ( picture attached ). They never leave voicemail information and call me at least twice in the same dsy
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A couple of months ago, after years of not having credit cards, I decided I needed some access to credit for a month or so to cover expenses. 

I applied for 4 cards one of which was the Chase XXXX XXXX and was approved and got the lovely card in the mail. 

I used the Chase card quite a bit with the knowledge that I would pay it off over the next 4 months when my projects finished and I was able to invoice my clients. 

After using a good amount of my credit on the unlimited card. I found myself declined for a purchase so I reached out to Chase. They informed me suddenly that my account was now closed and this was due to multiple inquiries and over usage.

You can imagine how shocked I was, especially since I made my last payment early and was on my way to establisshing a nice, reliable relationship with Chase.

Not only that, but they would report to the Credit Agencies that it was " Closed by Granter '' which frankly is absolutely unfair as now they decide to close my card and ruin my credit! For no real reason! 

I asked the rather rude fraud specialist manager that if I plan to pay this off and on time, why should that effect my credit and can you do something ... Nothing. I have never been treated as a new customer so poorly.

I ask you how fair is me joining the Chase family, utilizing the card given to me, paying on time, warrant a 7-year mark on my report and losing my card account?? 

I hope chase is the kind of company that will resolve this for me.
Product: Mortgage

I was concurrently working with TD Mortgage on two separate mortgage applications. One for XXXX XXXX XXXX, XXXX, NJ XXXX and the other one for XXXX XXXX XXXX XXXX, NJ XXXX. For the XXXX XXXX property, I received the clear to close, closing disclosures, and the closing date was supposed to take place on XX/XX/2020. After all parties finalized the paperwork, and after I have taken out the certified check from TD Bank getting ready to close on the next day. TD Bank loan officer gave me a call late afternoon on XX/XX/2020 stating that my application is " being denied due to concerns involving a previous account relationship ( s ) you had with the Bank that resulted in the Bank terminating that relationship.

I have since reached out to the TD 's branch manager and the relationship manager, but neither of them was able to provide with me any indication on what was going on, aside from the fact that TD Bank has decided to demarket my account and terminating relationship with me as a customer.

Due to TD 's gross negligence and bad faith dealing, I have lost substantial amount of money on these two properties ( i.e. appraisal fee, credit fee, attorney fee, inspection fee, title fee, e.g. ). TD Bank has not been transparent with its process. I was not able to amend the transaction with the seller due to TD 's inability to perform notwithstanding it has already given the commitment for me to close the loan.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$1300.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ). Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Formal Complaint Against Debt Collection Practices Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding multiple violations of federal debt collection and credit reporting laws by a debt collection agency currently claiming I owe a debt. I am disputing all such debt claims made by this agency, and I request that they cease all forms of communication with me as allowed under Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Debt Validation and Documentation Request : As part of my rights under federal law, I am requesting a full validation of the claimed debts. Specifically, I require the following information : 1. A detailed account statement indicating the amount of the debt and any additional fees or charges.

2. Copies of the original agreements that purportedly obligate me to the debt, including any proof of the transfer of ownership of the debt from the original creditor.

3. Evidence confirming that the agency is licensed and bonded to collect debts in my state.

Summary of Violations : - Violation of Debt Validation Requirements : The agency has placed information regarding this alleged debt on my credit report without providing me with the requisite validation documentation as required by 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency is distressing and affects my credit score unjustly.

- Failure to Allow Debt Dispute : Contrary to federal regulations outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the agency did not provide an opportunity to dispute the debt before reporting it to the credit bureaus. This denies me the critical right to verify and potentially contest the debt.

- Deceptive Collection Practices : There are indications that the agency may be employing deceptive, misleading, or false tactics in their collection efforts. Such actions are clearly prohibited under consumer protection laws designed to ensure fair debt collection practices.

- Unauthorized Credit Reporting : The agency has reported information to consumer reporting agencies without adhering to required legal disclosures as specified by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), misleading potential creditors about my creditworthiness.

Given the serious nature of these concerns, I urge the CFPB to investigate these practices thoroughly. I also request that the agency be directed to cease all communications with me in compliance with my rights under FDCPA, Section 805 ( c ). This should include an immediate stop to all phone calls, letters, and electronic communications regarding the alleged debt.

I trust that the CFPB will handle this issue promptly and ensure the agency adheres to all applicable laws, preventing further harm and distress.

Thank you for your attention to this urgent matter. I look forward to your swift action and response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX* XXXX XXXX XXXX XXXX, MN XXXX **Subject : XXXX Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** XXXX XXXX - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** XXXX. The account shows a payment history of being late for several months ; however, the account status is marked as " XXXX. '' This inconsistency raises questions about the accuracy of the reporting. 
XXXX. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 611 ( 15 U.S.C. 1681I ) 5 Treatment of inaccurate or unverifiable information ( A ) If after reinvestigation under paragraph 1 of any information that is disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promply delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation. 
( ii ) promply notify the furnisher of information that the information has been modified or deleted from the file of the consumer. 

When an account is charged off, it means that the creditor has declared the debt as uncollectible and has written it off as a loss. At that point, the account balance should show as " charged-off '' or " written off '' on the credit report, and the outstanding balance would typically be listed as $ XXXX charge off account should not show a charge off every month on a credit report. 

When a creditor determines that a debt is unlikely to be collected, they may charge off the account and report it as such to the credit bureaus. This typically occurs after a certain period of delinquency, usually around 180 days. Once the account is charged off, it will typically remain on the credit report for seven years from the original delinquency date.

Again, once an account is charged off, it should not continue to be reported as a charge off on a monthly basis. It should be reported as a singular event on the credit report. If the charge off account is being reported as an ongoing charge off every month, it may be an error that should be disputed with the credit bureaus. 
I am disputing the Capital one credit card XXXX which was reported in XXXX XXXXXXXX bankruptcy as of XX/XX/XXXX. On the credit report that account shows as charged off every month since XX/XX/XXXX up to current day and year XXXX. Also, there is a statement balance reported of {$5700.00} and updated balance of {$6000.00}. With this account being charged off, there shouldn't be a balance reporting at all and there should only be one charge off event as of XXXX. With this account showing a balance of {$6000.00}, it's impacting the utilization of my credit report. Currently in the account totals, theres a utilization of 63 % and the total amount of open debts is {$17000.00}. My total open debt ratio has increased by {$6000.00} on the reporting as a result of this charged off / closed account. This inaccurate information has caused my credit score to drop over XXXX points. This has impacted me in loan denials that I probably would have qualified for. More importantly, it voliates the Fair Credit Reporting Act. I've tried on numerous occasions to dispute this with Capital through XXXXXXXX. In the XXXX XXXXXXXX bankruptcy, this account is listed as account ending in XXXX. The creditor hasn't accurately updated this account. If I can't get a resolution here, the next step is to report this incident to the Attorney General of my state.
Product: Mortgage

Applied for a Modification on XX/XX/XXXX. After almost 3 years of unemployment and/or underemployment, I finally got work that paid me more than I made when I was approved for the mortgage in the first place. ( I am seriously under water and owe much more than my house is worth ). So, working out something with my lender was my only available option. Being that I was once again gainfully employed, I was confident this would be good news for all concerned, including PHH Mortgage. I have since been grotesquely surprised. 

Things started off nicely - PHH Mortgage assured me, in writing ( letter attached ) that foreclosure wouldnt happen while I was being considered for a modification, as long as they received all the required documents, which I promptly submitted.

Then I started receiving a series of superfluous requests from PHH - all of which I nevertheless promptly responded to - here are a few examples : requiring me to certify that I was no longer getting any self-employment income ( despite clearly filling out their financial statement and submitting bank statements that showed I wasnt ), then. asking for tax returns that I had already sent to them more than two months ago ( electronically, so I have proof ), as well as asking me to provide a new bank statement, put the loan number on every page, and then sign the bank statement what on earth does my signature on an official bank document do? I nevertheless signed and submitted it. All for naught it was all a game to buy them time to get a  foreclosure through the courts. 

To date, I am yet to receive a decision on my loan modification. Instead, last week, literally days before XXXX, I received notice of a XX/XX/XXXX foreclosure sale date on my home. 

How is it ok for a lender to mislead a homeowner, string them along with a series of mind-boggling document requests, all the while biding their time to get their foreclosure action together, than spring it upon me and my family? ( I have a very sick sister living with me with XXXX  XXXX XXXX ( XXXX XXXX ), and PHHs handling of this matter has been extremely harmful. ) Also clearly, PHH was pursuing foreclosure while reviewing my loan modification request, a.k.a. dual tracking. Isnt dual tracking illegal?

I just find PHH Mortgages handling of my case unethical and a horrible business practice. It appears what they are doing is also illegal. Every week or two, there has been a request for a  superfluous document, which I have nevertheless promptly replied to. I am appealing to the CFPB to step in and get PHH to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting inquiries I didnt apply for it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongfully used my credit score and boosted it higher. They also have a bank account feature I signed up for that hit my credit score. I receive emails and text from 3rd party lenders from credit karma that I havent signed up for. The mobile app will state high approval odds for cards to get me to sign up and which would then further decrease my credit score.
Product: Debt collection

Around XX/XX/XXXXXXXX Synchrony Amazon Credit Card debt collection on a $ XXXX {$7.00} purchase was sent to my home. My mother would throw them out until I noticed my credit score drastically decreasing. Upon realizing I had an outstanding balance on the Synchrony Amazon Credit Card ( XX/XX/XXXX ) I paid off the balance which had gone up to $ XXXX {$20.00}. The impact this card had on my credit score was drastic.
Product: Credit reporting or other personal consumer reports

As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report. XXXX XXXX XXXX XXXXXXXX