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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, has ignored my requests to correct and investigate, my credit file where the Charge Off status by XXXX XXXX XXXX XXXX account # XXXX and also account # XXXX is in violation of the Federal Bankruptcy Codes and Violations of the FCRA. 

Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

Account charge off status can not be reported as the accounts as was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

POST Dismissal of XX/XX/2016, XXXX XXXX XXXX XXXX # XXXX and also account # XXXX under the Federal Bankruptcy Codes my credit card accounts was to be reported as the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by XXXX XXXX XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where the debtor can resume paying on the account. This was denied by XXXX XXXX   XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXand also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where I as the debtor can resume paying on the account. 

WHEREAS, XXXX XXXX  XXXX XXXX # XXXX and also account # XXXX has failed to and refused to REVERSE the charge off status and where Experian has also failed by allowing and knowing that XXXX XXXX XXXX XXXX XXXX XXXX false information of C/O status that should have been reversed under the Federal Bankruptcy Codes when the Bankruptcy Petition was dismissed by the Federal Bankruptcy Court .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car dealership ran my credit through tons of loan/banks, capital one was one of them. Capital one wrote two letters and said they would take them off my credit report. Capital one auto wrote the letter on XX/XX/2021 and they are still on my credit report. The letters are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is constantly getting ruined by navient. Ive made two complaints against them And theyre stating theyre not reporting information to the credit bureau when my credit score just dropped another 59 points on XX/XX/XXXX. Theyre reporting changes on loans that are incorrect. There should be no changes reported because theyre protected by the cares act and the amount reporting is incorrect.
Product: Debt collection

I do not know what this debt is ; I disputed the collection debt on the XXXX XXXX and the results were " deleted. '' This collection was successfully removed from my XXXX credit report ONLY. 

This collection debt was supposed to be removed from ALL of the credit bureau 's. 

I asked this collection agency to please verify that this debt belongs to me and to provide me with a copy of the original contract. I have never received the documents I requested. 

This debt collection agency claims I owe them money regarding a medical procedure. I have never allowed this company access to my medical records and they violated the HIPPA law, because they claim to know medical procedures that were performed on me. 

I have attached screenshots of the debt being successfully removed from my XXXX credit report after I disputed it. I also attached screenshots of the debt still being reported on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear WF CRD SVC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under the Florida Statutes , Section 817.568.

It has unequivocally come to my attention that WF CRD SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, specifically Section 817.568 of the Florida Statutes, addresses the severity of identity theft and the misuse of personal information. This statute emphasizes the necessity of consumer consent for the lawful use and reporting of their personal and financial information.

I assert with unwavering certainty that I have not provided consent for WF CRD SVC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WF CRD SVC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 817.568 of the Florida Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Florida state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WF CRD SVC will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Debt collection

I received notice from collection agency Calvary Portfolio Services dated XX/XX/18 about a debt they say I owe. I have sent Calvary Portfolio Services letters requesting validation of this debt under the Fair Debt Collection Practices Act, 15 USC 1692g Section 809. I mailed the first letter by certified mail on XX/XX/18 asking them to provide me with competent evidence that I have any legal obligation to pay them along with several items. Calvary Portfolio Services responded to my letters but did not provide any of the answers I had asked or properly validate the debt they say I owe. They only provided me with t of bills of alleged charges they claim I owe, which does not meet Federal Trade Commissions guidelines of what constitutes proper debt validation is. I responded with a second letter mailing it on XX/XX/18 requesting them to validate the debt and informing them of their violation of the FCPDA. I have included the letters that I sent to them requesting this information.
Product: Debt collection

XXXX XXXX XXXX  Dear Portfolio Recovery Associates, I am writing to formally request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with the following information : 1. Assignment Contract : Please provide the original assignment contract that grants you the authority to collect on this debt.

2. Payment History : I would like to see a complete payment history for this account, including the original balance, any payments made, and any fees or interest that have been added.

3. Original Creditor : Please provide the name of the original creditor associated with this debt, as well as their contact information.

According to the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you are unable to provide the requested documentation, I expect you to cease all collection efforts regarding this debt immediately. 

Please send all correspondence regarding this matter to my address listed above. Thank you for your prompt attention to this request. 

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

Ive been disputing a closed account with Experian for weeks now. They refuse to make any changes even though ive filed two motions with the court. Ive filed a motion to expedite, a motion to seal, and a satisfaction of judgment. This record is prevent me from getting housing and the court has all of this information. Experian will not remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/20, I was charged {$130.00} on my Goldman Sachs Apple Card with the description " Apple XXXX XXXX. '' I did not have any receipt for this charge, and I did not purchase anything from the XXXX XXXX, however I was in the store on that day to pick up an online order and turn in a trade-in for an Apple Watch. I contacted Apple Support on XX/XX/20 to ask what the charge was for. They did not know and directed me to the XXXX XXXX on XXXX XXXX or Goldman Sachs. On XX/XX/20, I spoke with the XXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX, CA ). The manager, XXXX, said she did not know what the charge was for, but she did not see that I purchased anything. She recommended I contact Goldman Sachs. I called Goldman Sachs. They did not have any additional information, but they helped me file a dispute for the charge. On XX/XX/20, I received an email from Goldman Sachs stating my dispute was resolved in favor of the merchant, but " You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist at Goldman Sachs Bank USA. '' I called Goldman Sachs on XX/XX/20 to request this information, but they did not have anything to give me. In fact, they didn't seem to be aware of the dispute. The person helping me named XXXX stated that I can file another dispute, but if I didn't have any additional evidence to provide, the claim would likely be resolved the same way. I asked her what I could possibly provide as evidence that I *did not* make a purchase, and she said she didn't know. So Goldman Sachs is not resolving the dispute in my favor, they are not providing documentation used to reach their conclusion, and they are not offering any other options for me to resolve the issue.
Product: Mortgage

I was charged 12 basis points ( {$330.00} ) more in up-front fees for my mortgage loan in the days leading up to my closing on XX/XX/2020. 

In the attached you will see my original rate lock agreement stating I agreed to pay XXXX points to receive the interest rate. In the attached you will also find my draft closing disclosure which I continued to agreed to pay the XXXX points. This rate lock agreement was set to expire on XX/XX/2020. 

My closing date was originally scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that the seller would need to delay the closing. Considering my rate lock agreement was set to expire on XX/XX/XXXX, I called my loan officer to inquire about an extension. He said I had the option to get an extension for the 12 basis point fee. I recall him explaining that the fee changes daily so I should consider requesting the extension. However, he led me to believe that the extension could be taken off my file if I did not need it - which is why I agreed to it a week in advance. 

On XX/XX/XXXX, I was notified that the seller could close on XX/XX/XXXX. However, I still had not heard from the bank 's closing team so it was unclear to me if the Bank would be able to close on the XXXX given the CD waiting period ( and, relatedly, whether it would fall to me to require a rate lock extension if it was the Bank 's fault the closing was further delayed ). 

On XX/XX/XXXX, I was notified by the bank 's closer that we were on schedule to close on the XXXX, so I called my loan officer to tell inform him to take the rate lock extension off my file as I no longer needed it. His tone completely changed from our conversation on the XXXX and said the extension could not be undone. 

We further discussed the change and he said that I could take my business elsewhere if I was not happy with the service. Yes, the loan officer told me 48 business hours before my closing that I could take my business elsewhere. I requested to talk to the loan officer 's manager and the manager did not take off the extension. 

The extra {$330.00} fee was charged in the form of points on my CD, even though I never agreed to that charge in subsequent rate lock agreements. You will see in the attached that the loan officer and I signed the most recent rate lock agreement without the fee earlier in the week. However, the final CD still stated the fee and the loan officer said via email on XX/XX/XXXX that it would NOT be credited back. 

Now, this left me with two choices : 1. Pay the extra fee that I never agreed to.

2. Cancel the mortgage and throw away the purchase of my {$360000.00} home after months of time, energy, and money during the due diligence process. 

I chose ( # 1 ) to go through with the mortgage because I couldn't afford not to.
Product: Debt collection

On XX/XX/XXXX, Aspen Collection XXXX worke, XXXX XXXX, contacted us and pretended to represent XXXX XXXX XXXX mortgage department and was calling to collect monthly payment. However, she applied the money to a debt we dont owe. When the debt intially hit my credit I asked Aspen to validate because I didn't owe any fees. They never provided me with any information. 

Intially, when we signed up for XXXX XXXX XXXX, the director waived all maintience fees however, it seemed like a ploy to get us in the door to manipulate and defraud us. Aspen has violated out trust and conducted illgeal debt collecting practices. I want the money they took that is not owed to them to be applied to the correct account.
Product: Credit card or prepaid card

JPMORGAN CHASE CREDIT CARDs Bad Business Practice - Price Gouging evening during the worst of time! 
Lost job and spent 2 hrs on the phone attempting to renegotiate old debt into a sustainable pmt by reducing % & min pmt amount. Finally got a hold of their hardship dept to work out a new pmt plan. According to their program, avg interest rates are LOWERED between 6-12 %. BUT due to the fact that I lost my job, they offered NO REDUCTION IN EITHER INTEREST RATE OR MIN PMT DUE. But they did transfer me to XXXX XXXX, stating that this is the " ONLY '' debt company they work with to reduce the interest rate to 6 %. XXXX XXXX was more than willing to take on my debt at 6 % but adding another {$1000.00} of fees to my debt amount. Considering this unprecedented challenge that we're trying to survive, I feel it's in everyone 's best interests to record an official complaint about JPMORGAN CHASE bad business practices & unwillingness to lower my interest rate to a more sustainable pmt structure. Steer clear of all their fancy marketing promotions & free miles - which I never received by the way. I've literally paid more in interest to JPMORGAN CHASE than the amount of the original debt, over the past 10+ years and still owe them almost {$10000.00}. I haven't used either card in almost as long. I'll be dead before this amount is ever paid off. Can someone with AUTHORIZATION to assist this dire uncooperative situation please work with me to reduce % rate so that pmt amount applies to principle, without adding more debt? Thank you for your immediate attention to this matter!
Product: Checking or savings account

I started an account with a company called XXXX XXXX  on XX/XX/XXXX. The plan was to invest {$5.00} a day and more as I saw fit and cash out in 24 months. Their website states you can cash out sooner without penalties. I requested to cash out on XX/XX/XXXX and I received over 30 emails stating that I would be cashed out soon. The website states within 21 days. It is now 9 months later and nothing. I filed a claim with my Chase, claim number XXXX and they stated that because I approved the automatic withdrawals, they didn't consider it fraud and stated I waited too long. Even though I didn't realize it was a scam because I thought I was investing. So when I realized it was a scam I tried to get my money back by contacting my bank. I filed a claim with SEC # XXXX. I just filed a report with FTC Report Number XXXX. I also reached out to a lawyer and they stated because it wasn't over {$5000.00} it was nothing they could do for me. I work hard for my money and I for sure do not have {$3500.00} to give away.
Product: Credit reporting or other personal consumer reports

I discovered discrepancies in my credit report related to late payments. These are inconsistent with my regular payment habits. Please correct these errors and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS 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 or other personal consumer reports

Back in XXXX of 2023, I received a bill from Paramount Recovery Systems in the amount of {$820.00}. I knew I was not responsible for such a debt after repeatedly checking back with the hospitals I received medical care at. 

I called the phone number inquiring about the bill, and the worker was very rude and dismissive and sounded like she just couldnt be bothered. 

In that same month, I sent this company a dispute letter requesting these 4 things : 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documents showing they have verified that I am responsible for this debt, or a copy of any judgement 4. Documentation showing that Paramount Recovery Systems is licensed to collect debts in the state of Louisiana On XX/XX/year>2023, I received a letter from them stating that the account has been closed and that the same account has not been reported to any of the 3 major credit bureaus from their office. 

So they were unable to provide me with any proof that I am responsible for such a bill. 

However, whenever I recently checked my XXXX credit report, Paramount Recovery Systems is listed on there. 

If they never reported anything to the 3 credit bureaus, then how else would this company appear on my credit report? 

This is illegal. And they should not be able to go into peoples credit reports and report whatever they want like that.
Product: Credit card

I have a bill from Macys that I am late on. The office sure collection department told me the XXXX due is a combination of XXXX ( the past due amount ), XXXX ( late fee ). Leaving XXXX unaccounted for. No one could tell me what the XXXX is for. When I got a supervisor when I asked for one - he supposedly put me on hold to find out and hung up on me. I want to know what the XXXX is for?
Product: Debt collection

Usaa still has not contacted me from the first complaint I file and also they are still reporting miss payment to the credit bureau and its affecting my scores this loan was paid down because usaa sold the car and I never got a chance to get property out of the car that I had in there but every two I get a email from credit bureaU that i have a new missed payment I dont know what usaa is trying to do threaten to try and take my tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. 

I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. 

When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. To any normal person, there would be no further action to take - so I took no action. 

Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. 

She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in XXXX now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. 

There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. 

I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.