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

I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently noticed that XXXX XXXX XXXX, placed an account for collection on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. Under the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is required to send the consumer a written notice within five days of the initial communication regarding the debt. This notice must include : The amount of the debt. The name of the creditor to whom the debt is owed. A statement informing the consumer of their right to dispute the debt within 30 days of receiving the notice. A statement that upon the consumer 's written request within the 30-day period, the debt collector will provide verification of the debt or a copy of a judgment. To date, I have not received any such written communication from XXXX XXXX XXXX, despite the account appearing on my credit report. This omission is not only a potential violation of the FDCPA but also detrimental to my credit standing and overall financial well-being. I am providing a copy of my credit report showing the entry by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed fraudulent account on my report please remove this account from my report it is hurting my ability to obtain credit
Product: Credit card or prepaid card

I recently disputed this information with the credit beaurus and they stated this information was valid I have received no paper work confirming the validation of this account. This is a violation of my consumer rights. Ive been distressed and struggling through this pandemic to soon find out this false information is apprearinng on my report Ive listed all the violations that have been violated 806. Harassment or abuse 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the program Self about two years ago because I was trying to build my credit. I do make my monthly " credit builder '' payments on time each month. I am being charged an additional XXXX $ for a Self Cred Card that I never received in the mail, never activated it or used it before, therefore I have never paid on a Credit Card that I have never received or used. It is my understanding that they reported this to the Credit Bureau in the beginning of XXXX and I am trying to dispute this off of my credit as this is not my fault and I am trying to get a Mortgage, which this caused a huge damage in my credit score. I did try calling the company and the guy seemed to not understand anything I was talking about or asking and at the end of the call told me there was nothing they could do to help me.
Product: Checking or savings account

My account was closed today. I received no notice or letters and have been in constant communication regarding this matter. 

I just got off the phone with an agent and they drafted a letter and put in my account. Today is the third. They fraudulently created this letter because of my complaint and you see its dated for tomorrow XX/XX/year>. 

They closed my account then tried to cover up the fact I didnt receive a notice. This is the second time they have purposefully overdrawn my account and hit me with several unfounded overdrafts. I would like to know my options to pursue legal action. This bank is committing fraud. 

The letter I am attaching is the letter dated for XX/XX/year>. They posted it in my account 3 mins after I got off the phone with the rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, Transunion, XXXX, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX account XXXX XXXX XXXX # 1982, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sued Carrington Mortgage Services LLC aka Carrington Resolution Services LLC ( CMS ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In 2016, CMS paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that CMS violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to XXXX XXXX XXXX ( I am filing a complaint against them as well ). The 2nd lien they sold to XXXX is a " claim '' by definition, and was the only security they held against my property, therefore, CMS is in violation of our SA. 

I am currently trying to refinance my house, however, XXXX has stated that the will not provide a lien release on the 2nd lien that CMS sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that CMS had already promised to release me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX  stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 
Below are the accounts in question : Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX Date Opened : XX/XX/XXXX  Reason for dispute : Identity Theft/Fraudulent Account Amount : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house. Equifax has blocked me from seeing my credit score. Anytime a lender runs my credit they can not see my score or report. I have called Equifax support 54 times all together. They put in cases to fix it but it never happens. I cant buy house and I did nothing wrong except trust Equifax. I even paid money on XXXX to get it to work and It still wont work. I call them everyday and everyday its a new story. First it was I needed to verify my account so I faxed in a copy of my drivers license, social security card, and a letter stating to remove the hold they put on my account. Then they said its a glitch in the system, and they put in a case stating it would take 7-10 days to fix. That was 5 weeks ago. I even wrote to the XXXX XXXX XXXX. And Equifax responses with nonsense and no help at all.
Product: Credit card

Chase is reporting XXXX credit card accounts on my credit reports that are over 7 years old form last active and past the 3 years of statute of limitations of debt collection. Chase/BestBuy Card ( XXXX {$540.00} last active XX/XX/XXXX ), Chase Credit card ( XXXX last active {$2700.00} XX/XX/XXXX ), I have disputed these account to be removed because they are over 7 years old and past the statute of limitations.
Product: Debt collection

On XX/XX/19 I disputed this account with XXXX. They said the account was validated by Receivable Management Services. I sent a request for validation on XX/XX/19 and I never received any documents from them. Secondly, there is another collection company collecting on the same debt. How is that possible? In fact, it is illegal for two collection agencies to collect on the same debt.
Product: Checking or savings account

I filed for a charge back dispute with a merchant known as XXXX back in/around the week 1 of XX/XX/year>, however, Ally Bank has not resolved the issue and not provided a recent update. I spoke to a supervisor a few weeks ago and was advised that the dispute is still open even though my account says it's closed
Product: Credit reporting, credit repair services, or other personal consumer reports

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX
Product: Debt collection

There was a negative hit on my credit report from a company called CarpioPartners that was opened XX/XX/18 for {$120.00} for XXXX XXXX Hospital. I have never received any information on this amount from anyone. I am fully insured so there are no outstanding account balances.
Product: Mortgage

I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there.
I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but  they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my existing mortgage in late XXXX. I applied with two companies to price compare. So there should be two inquiries on my credit report. Unfortunately Credit Plus pulled my information twice, resulting in two hard hits on my report from them, and one from the other company. One was XX/XX/XXXX and one was XX/XX/XXXX ( from Credit Plus ). I reached out to them to file a dispute with their company, but they just sent me a letter stating that the inquiry was because of my refinance ... well yes, but what about the second one???
Product: Credit card or prepaid card

Good afternoon, I am writing this note to dispute the finding of your Bank of America Manager XXXX who advised no refund is due to me. As a result of the trip scheduled for XX/XX/2022, being cancelled, XXXX XXXX advised that I was entitled to a refund for the taxes and gratuities of {$170.00} for which the monies would be credited back to my account and returned to the bank. Several attempts have been made to resolve this issue to no avail. Somehow, the bank is confusing the initial overpayment of {$200.00} returned to me back in XXXX. Due to duplicate billing by the third party vendor ( XXXX XXXX XXXX XXXX XXXX imposed a cancellation fee of {$200.00} for which they credited back to the bank and subsequently returned to me via a check by your bank. Several attempts have been made by me to resolve this issue to no avail. No one has contacted XXXX no one has contacted XXXX, to bring resolution to this matter.Clearly the bank is just reading data and coming to unfound conclusion and not contacting the vendor. Lastly, after contacting the bank three times for the correct email of XXXX XXXX the chief executive, the address was non existent ( XXXX ) Please review. I Thank you for review of this matter. 
XXXX XXXX
Product: Checking or savings account

I am submitting this complaint regarding Chases unjust closure of my personal checking account and the complete lack of transparency throughout the process. 

On XX/XX/year>, I opened a personal checking account with Chase ( Account Number : XXXX ) via their online portal. The account was opened successfully, and I had begun the process of switching my direct deposits to this account. 

However, on XX/XX/year>, I received an email from Chase stating, To protect against potential fraud, we restricted your account and may close it soon. Upon attempting to log in, I found my online access was disabled without any warning, and I was instructed to contact customer service. This is where the nightmare began. 

I contacted Chase immediately on XX/XX/year>, and after speaking with several representatives, I was informed that my account was being closed, that I was permanently barred from opening any future accounts with Chase, and that my funds would be held for an unspecified period before eventually being mailed to me. When I asked why this was happening, I was repeatedly told that my account was flagged for suspicious activity, despite the fact that I had not made any transactions on the account. 

Each time I requested details on what suspicious activity had occurred or how I could address the issue, I was given the same vague response. I spoke with a supervisor who simply reiterated that I had violated the Terms and Conditions in Section 1, subsection I, yet no further clarification was provided.

When I was transferred to another specialist, I was informed that the process of identifying suspicious activity was a trade secret. This is an unacceptable response, as I am now left without the ability to access my account, and as a result, I am facing financial hardship due to outstanding invoices and direct deposits being linked to this account. 

This entire experience has been both frustrating and financially damaging. After researching the issue, I have discovered that Chase has a pattern of closing accounts without providing adequate explanations, affecting many other customers like myself. 

I am urgently requesting the Consumer Financial Protection Bureau 's assistance in holding Chase accountable for their lack of transparency and their unjust treatment of customers. I ask that my account be reopened, or at the very least, that Chase provide a clear explanation of the alleged suspicious activity and the specific reasons behind their decision to close my account and bar me from banking with them. 

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, Trans union, XXXX as open. There is currently a legal action taken for fraudulent activity.