23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently sued by XXXX XXXX for a fraudulent debt that was sold from Capital One XXXX. After being contacted by XXXX XXXX about the debt I disputed the debt, and asked for proof. My letters went ignored, but XXXX XXXX managed to get a default judgement from this debt even after I answered the summon and complaint. I Contacted Capital One / XXXX which is who sold this debt to XXXX XXXX XXXX and was told this debt had changed hands at least three times. Capital One stated they acquired the debt from XXXX XXXX XXXX and that it was closed when it came over to them which was opened XXXX/XXXX/XXXX with a credit limit of {$5900.00} and that they sold this closed debt to XXXX Bank on XXXX/XXXX/XXXX. I was also told that a payment of {$5700.00} was applied to this debt on XXXX/XXXX/XXXX. According to my credit report XXXX XXXX XXXX XXXX reported this debt to be opened on XXXX/XXXX/XXXX with a credit limit of {$5900.00}, but shows that {$8100.00} was charged off. XXXX XXXX XXXX XXXX 's shows on my credit report the last date of payment to be XX/XX/XXXX, and the date of the first delinquency to be XXXX XXXX. 
I find it odd that Capital One / XXXX 's sold this closed debt on XXXX/XXXX/XXXX and XXXX Bank reports it as being open with them on XXXX/XXXX/XXXX but yet Capital One / Parisian 's shows a payment made to the debt in the amount of {$5700.00}. I provided XXXX XXXX XXXX XXXX 's a fraud affidavit along with a police report because this account is fraudulent. XXXX XXXX 's stated that they investigated and found that the account did belong to me and that I owed the debt, and had a representative to swear under oath that I owed the amount of {$8100.00}. 
XXXX XXXX XXXX XXXX 's acquired this closed debt from Capital One / XXXX which they acquired the debt from XXXX. XXXX does not have any record of my information and has instructed me to contact the correspondence department to get this in writing. 
XXXX XXXX has made false statements that they investigated when in fact they had no validation of this debt because it was transferred. XXXX XXXX XXXX hired an unethical debt collector XXXX XXXX XXXX XXXX XXXX , and has taken money from me by force on a debt they could not validate. I am going to make this known to the state attorney general 's office because this has got to be rectified.
Product: Credit reporting

My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Product: Student loan

I am entering into repayment and was told that MOHELA was obligated to provide 21 days notice before my payment due date, which is apparently going to be on XX/XX/XXXX. I received a notice of auto-debit from MOHELA today XXXX XX/XX/XXXX ) and a notice of a message regarding repayment from MOHELA on XX/XX/XXXX. 

These notices are not 21 days or more in advance of my repayment starting. I have been unable to reach them my phone due to unreasonable hold times. I would like my servicer to follow the law and provide the 21-day notice required for myself and all borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

XXXX, Acct number XXXX, bal {$24000.00} XXXX, Acct number XXXX, bal {$10000.00}
Product: Checking or savings account

I recently had a very unpleasant experience with Chase bank when opening a checking account. 

I received a letter from Chase inviting me to open a Sapphire checking account with them, it offers XXXX rewards points if I open the account and transfer {$75000.00} within 45 calendar days. 

So I opened the account online on XX/XX/XXXX and started transferring money from other bank accounts to this account on XX/XX/XXXX. 

Couple of days later when I checked the status, I was surprised to find that my account was locked. What's more, my online access was suspended, which involved all my Chase credit cards as well ( I could still use the cards, but lost online access ). I haven't received any communication whatsoever from Chase, so I called the bank to find out why. They didn't offer any specifics but asked me to get into a branch. There's no branch in my vicinity, so I asked my husband to visit a branch that's close to his office. 

My husband visited a branch on Friday XX/XX/XXXX. Again the branch personnel offered no specifics but asked me to show up in person at the branch. 

Later the same day I received a letter from Chase, asking me to visit local branch and mentioned the account may be closed if I do not. 

I'd like to keep the account open, so Monday XX/XX/XXXX, the next business day after I received the letter, I took time off work and visited Chase branch in XXXX. Upon arrival I was told that my account was already closed and they couldn't do anything about it. 

I was told that this happened because I didn't initiate money transfer within 10 days of account opening, however the offer letter stated clearly that the transfer period was 45 days. 

So in the end I wasted a lot of time just to get a closed account. The lack of communication and service from Chase bank is rather astonishing to say the least.
Product: Checking or savings account

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX We were customers with Chase from XXXX through XXXX of XXXX. We had 2 business checking accounts and a personal premiere account. During the 10 years, the 2 original accounts were changed to a new account XX/XX/XXXX. My final account number was XXXX. On XX/XX/XXXX I deposited a check from a client for {$9300.00}. One week later on XX/XX/XXXX, the same customer gave me another check for {$13000.00}. I deposited that check the normal way I always have. This was a known, regular customer that I am doing a {$53000.00} job for. After I deposited the second check the bank froze my account and then closed the account and seized the money. All the checks I deposited with Chase were valid. They currently have {$15000.00} of our money somewhere that they shouldn't have it, it should be ours. I am XXXX XXXX XXXX and I have never heard of this before. Please help. We are a small business and that is our money for receivables and parts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX  XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 my account 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  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
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX. 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 to be removed. 

They are not in compliance with the following law. 15 USC XXXX 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 XXXX ( 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 XXXX ( 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 never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX 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: Debt collection

I dispute the debt claimed by Hunter Warfield, which reports that I owe {$28000.00} for an apartment lease. They allege that I moved out on XX/XX/XXXX, although the lease in question was supposed to end in XX/XX/XXXX. I was evicted in XX/XX/XXXX, leaving only a couple of months ' rent, if anything, that I might owe. Additionally, I paid {$6000.00} in past due rent to XXXX XXXX, and XXXX XXXX XXXX ruled that I would vacate the apartment, closing the case. Hunter Warfield has also inaccurately claimed that I occupied another apartment and moved out in XX/XX/XXXX, even though I wasnt in the area at that time. Furthermore, they are claiming {$300.00} in move-out fees for XXXX XXXX, despite my never having signed a lease there. This company has failed to provide any proof of the debt, ignores my notifications, and continues to send incorrect information, including a lease stating my term ended in XX/XX/XXXX, contradicting their claim of a XX/XX/XXXX move-out. I accuse Hunter Warfield of inaccurate reporting, misuse of my personal information, and a lack of support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with he Fair Credit Reporting Act, XXXX XXXX XXXX JPMCB ( Chase ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON.

Company was contacted with no fixed errors made, and declining request of fix.
Product: Debt collection

I would like all communication ceased on this account. I have retained counsel and will be filing bankruptcy. Cease and Desist.
Product: Payday loan, title loan, or personal loan

I am writing to bring to your attention a situation that I am experiencing with Affirm, a lending company that I used to finance a purchase made through XXXX ( XXXX ). My concern is that Affirm has reported delinquent payments on my account to credit reporting agencies, despite assurances from Affirm representatives that this would not happen. I believe that Affirms actions may be in violation of federal consumer financial laws. 

When I first opened my Affirm account to finance my purchase through XXXX, I was specifically told that this account would not be reported to any credit bureaus and would not affect my credit. However, in early XX/XX/2023, I received a notification from Affirm stating that my account was late and that it would be reported to credit bureaus. I immediately called Affirm and spoke to a supervisor who confirmed that this type of account would not affect my credit as it does not report to any credit bureaus. I also spoke to XXXX and XXXX who assured me that this account would not be reported to credit bureaus. Here are the case number from both calls that day ( Case # XXXX & case # XXXX ). 

I believe that Affirm 's actions may be in violation of the XXXX XXXX XXXX XXXX ( XXXX ) and other federal consumer financial laws that protect consumers from unfair, deceptive, or abusive practices in the financial marketplace. 


After 10 days, I received an email/message ( attached to this complaint ) from XXXX ( XXXX ID XXXX ) stating that the account in question ( XXXX ( XXXX ) ) does not include credit reporting at this time, and that all payments were made on time and no negative information was reported to XXXX. However, when I reviewed my credit account, I discovered that Affirm had reported my account as delinquent. 

When I called Affirm on XX/XX/2023 to request that they remove the delinquent reporting from my account, I was told that they have the right to report if they want and refused to remove the delinquent remarks. I spoke with XXXX and the case # XXXX. I believe that this behavior is unethical and goes against the assurances that were given to me by Affirm representatives. 

Therefore, I request that you investigate this situation and take appropriate enforcement action against Affirm if it is found to have violated federal consumer financial laws. I also request that you help me to get these negative delinquencies removed from my account. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card or prepaid card

I have an XXXX card for XXXX and XXXX XXXX XXXX. I first got the card in 2020 and have been using it until recently with no problem. I have now tried to use the card twice at 2 different BofA locations at the ATM. Each time I used it, after I enter my pin, the machine cancels my transaction. I was able to go to a teller the first time and they pulled it off. The second time put me in a financial bind because it was after bank hours. My card is not expired or frozen and Im using the correct pin.
Product: Credit card or prepaid card

I applied for the   XXXX   XXXX   XXXX   XXXX   XXXX   which offers credit to people with " bad credit ''. I was willing to pay their high fees to get a credit card where I would carry an unsecured balance as opposed to a secured card which I have already applied for and advanced money on with another company. I went through the entire application process only to be declined and offered another secured account where they told me to send them {$500.00}. It was absolutely misleading from the from the beginning. Their advertising says the card is appropriate for people with a credit score of between   XXXX   and  XXXX . Mine is  XXXX . Now that company has my personal information and did not come through with the credit they promised. upon completion of the application, I saw a page come up that said congratulations I received a credit line of {$500.00}. But then it suddenly went off the screen to another credit card offer. When I went to pull it back up they said I did n't qualify and that I would have to send them {$500.00}. Extreme false advertising. I would never have applied with them had they been honest. This company is committing fraud, perswading people to provide personal iformation such as email and phone with no intention of providing the credit they promise!
Product: Debt collection

I received notification from ABR Recovery Services in   XXXX   2017. They stated that I owed them {$1300.00} for a debt owed to   XXXX   XXXX  .
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I immediately disputed this account on  XXXX   XXXX , 2017 through email. I stated the reason for the dispute is that this company was the 5th company trying to collect on this debt, in which I had already made a payment with another agency and had a future payment plan.
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I received notification that the email was delivered on   XXXX    XXXX , 2017, but ABR Recovery Services failed to respond to my dispute. At the time I had an agreement with   XXXX   XXXX   whom was working on behalf of   XXXX   XXXX  .
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I received a call from ABR Recovery Services on   XXXX    XXXX , 2017. They were continuing to try and collect on this debt. I stated to them that I disputed this in   XXXX   and had no response from them. They proceeded to pass me along to an " account manager. '' The man stated that he owned the debt and would delete the debt off my credit report and offered me a 20 percent discount. I stated I was making my final payment to   XXXX   XXXX  . I made the final payment to   XXXX   XXXX   and have settled the account.
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On   XXXX    XXXX , 2017 I received alerts from   XXXX   XXXX    indicating a new collection account. ABR Recovery reported this debt to   XXXX   XXXX   and  XXXX  credit agencies. I instantly disputed the disputed this with  XXXX  Bureaus.
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ABR Recovery continues to submit false information to the credit bureaus and this is affecting my credit and making it impossible to achieve good rates and difficulty obtaining loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please