23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Chase credit card on our around XX/XX/XXXX. They advertised a good deal on balance transfers and said the transfer would take 5-7 days. I tried contacting them via their website and was told the transaction was " pending. '' I called them on XX/XX/XXXX and was told the transaction would go through " XXXX XXXX XXXX. '' It did not. I called again on XX/XX/XXXX and was told the transaction would " go through XXXX. '' It did not. I have since contacted Chase to cancel the account. I resent being lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
Product: Credit card or prepaid card

On XX/XX/XXXX we attempted to use XXXX 's store credit card which we have had for years at XXXX 's XXXX XXXX - XXXX ( in California ) and we were told the card had been canceled ; but, not worry just open a new card account ( and enjoy a 50 % discount on the two purchases we were making ) which we agreed to do. After over about 45 minutes of trying to have our personal data be entered into the store cash register and having to talk with an store supervisor and talking to someone in XXXX 's credit department the process was completed. The discounts were to be reflected on our first statement. The merchandise was not carried out of the store. It was to be delivered to our home by XX/XX/XXXX. 
We had to call the store on XX/XX/XXXX as the merchandise had not arrived as promised. After half an hour on the phone a supervisor told us the merchandise would be delivered immediately. She also assured us the charges would not be on our credit card until delivery was confirmed and we would see the charges and discounts on the monthly statement in XX/XX/XXXX. 
We received the merchandise on XX/XX/XXXX. 
On XX/XX/XXXX XXXX from the collections dept. at XXXX 's called and threatened us with a credit report notification if we did make an immediate payment, over the phone, of almost {$300.00}. We explained all of the aforementioned and said we have not received a statement. We asked to speak to a supervisor. XXXX XXXX came on the line and said she was sorry for the confusion and not worry as she would send a statement ( they had an incorrect address and the statement and our new credit cards were returned ) re-issue the cards. All we needed to do was pay the amount on the statement, or minimum payment, when it arrives in 7 to 10 days. 
The statement arrived in our XXXX XXXX on XX/XX/XXXX. The statement indicated only that we had past due charges, new late fee charges and interest charges. We planned to call XXXX 's during business hours on Monday. 
At XXXX today, Sunday XX/XX/XXXX XXXX 's collections called and again said we were delinquent and wanted immediate payment of {$240.00}. Supervisor XXXX XXXX said if we paid {$210.00} all would be forgiven and we gave her the info she needed to withdraw that amount from our checking account which we authorized fearing having our credit being distroyed. We have called and emailed XXXX ' CS with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not obtain a job, can not apply for credit, and can not obtain a SBA loan due to the pandemic. Under this crisis, you have hurt my ability to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I Receive a collection letter from XXXX at XXXX, Idaho XXXX stating that I owe an account with Medical Recovery Services , LLC. I replied demanding Validation of Debt as I did not know anything about such account. Account was never validated. Instead they took my account submitted to court for judgment. I submitted more letters demanding proof/validation of debt. did not respond and this account was declared as Default by the XXXX county civil Court Judge. They refused to answer my letters and refused to update account accordingly. 
XXXX/XXXX/2016 Application for Entry of Default XXXX/XXXX/2016 Application for Default Judgment XXXX/XXXX/2016 Affidavit in Support of Application for Default Judgment XXXX/XXXX/2016 Order for Entry of Default and Default XXXX/XXXX/2016 Affidavit In Support Of Writ Of Execution XXXX/XXXX/2016 Writ Of Execution Issued {$1000.00} XXXX County
Product: Debt collection

The company that I owed him is Discover Bank and he sent me a 1099-C where he explained that with this document the debt would be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX OF XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

I was given misleading information on my morgage forbearance i was applying for under the misdirection of each carington agent i spoke to for almost 2 years. I was miss lead by carington morgage agents 1000 %. I almost lost my home. My home went into foreclosure. I took a personal loan out to pay them the full amount they demanaded which was the only option they gave me XXXX in full. In XX/XX/2022 payment was made and account XXXX. I made my payment of XXXX in XXXX. They have now sent me my morgage bill stating i owe them another XXXX for late fees. Please help me. I have paid them so much money that is unaccounted for. I feel i can do nothing because this is my home. My credit is ruined, i have paid them the extream amounts they have asked but they continue to add misallnious late fees for the morgage payments i was trying to fill out for to get assistance. They told me incorrect information and times. Then put a dead line on it and told me my home was in foreclosure. Pay this full amount. They wouldnt even take a single payment. Demanded total in full. I had no choice but to take a personal loan out to pay them. Now 2 months later i owe another XXXX help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint 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. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency has been violating my privacy on my consumer report by violating Fair Credit Reporting Act 15 US Code1681c-Exclusions of Credit. The Bankruptcy court in XXXX Indiana notified me that they don't report information to credit bureaus. Why is right to privacy being violated? This reporting on my consumer report is in violation of15 US Code1681a ( 4 ). this Bankruptcy XXXX XXXX should not be on my consumer report. I demand you remove this from my consumer report as this has damaged my reputation and character for 9 years. In addition to removal i am seeking damages for all the years ( 9 ) that I have been damaged. I am seeking a sum of {$22000.00}, XXXX for each year my reputation, character and violation of my right to privacy. also 15 US code 1681b-Permiisible Purposes of consumer reports has been violated. Please rectify damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Product: Credit reporting

- I Got a Experian Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent Experian a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as Collection Agency XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from Experian to Collection Agency XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Collection Agency XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to Experian with a copy my Debt Validation/Dispute letter to Collection Agency XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the Collection Agency receipt of the Debt Validation/Dispute. 

- Experian received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the Collection Agency XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this Collection Agency XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
Product: Debt collection

I never received any notification of this debt from the debt collector. I went to apply for an apartment and they let me know that with this debt showing on my credit report, they could not approve me until it was cleared and that I would have trouble finding any apartment to approve me. I have been unsuccessful in reaching a live person at the agency that reported the debt. " Rent Recovery Solutions ''. 

This debt belongs to my mother. I lived at the apartment complex with her from XXXX XXXX XXXX through high school. I never signed a lease and was never on the lease. The only tenant on the lease was my mother. I have attached proof of the lease agreement and invoice that shows that it does not belong to me. Rent Recovery Solutions should not have reported to my social and I have no idea how they obtained my social security number.
Product: Debt collection

On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to Mrs. XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and Mrs. XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until Friday to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. I am being told I would need to speak with mr. XXXX which I will not do because he is very rude and unprofessional. I just want to settle and get debt resolved.. this debt is stopping me for being approved for a place to stay ... all Im asking for is some compassion and understanding.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( XXXX ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and XXXX XXXX You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.
Product: Mortgage

Lender-placed insurance is fraudulent. NewRez LLC sent notice via regular mail dated XX/XX/XXXX ( received on XX/XX/XXXX ) that it would be forcing lender-placed flood insurance on our co-op since we did not have flood insurance. This Notice staed there was a prior communication " last month, '' which was never received. Since I do not own any real property ( this is a cooperative apartment, wherein we own shares of stock in the corporation that owns the building ), we are not required to carry flood insurance as that is covered under the corporation 's policy. HISTORY : Insurance information was supplied previously in XXXX. We received a confirmation dated XX/XX/XXXX that our insurance documentation was complete. We then received the above notice on XX/XX/XXXX ( a non-business day ). I contacted counsel for the building 's managing agent on XX/XX/XXXX and XX/XX/XXXX to obtain the insurance certificate, which was provided to NewRez the same day via online upload and via hard copy from the managing agent ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX we received a notice dated XX/XX/XXXX stating that a lender-placed policy had been purchased, effect XX/XX/XXXX. This is outrageous. This is clearly an insurance scam. I have all the back. 

Please also note we never applied for a mortgage with this company. Our small mortgage was originally with XXXX, who sold it to XXXX, which went bankrupt and I was forced into dealing with this company.
Product: Debt collection

Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Midland credit Management in excess of 90 days.
Product: Credit reporting or other personal consumer reports

Pleaase see attached documents. Do not close this complaiint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, Community servicing, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting agencies.