23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.
Product: Credit card

I received a direct mail advertisement for the Chase Preferred Credit Card, advertising a waived intro year annual fee, XXXX bonus points if you spend $ XXXX in the first three months, and an APR of 16.23-23.24 % available to consumers who " have not had this credit card or received a new member bonus in the last 24 months ''. I contacted chase on XX/XX/XXXX, speaking to XXXX regarding the card offer and asked to apply after inquiring about the account. The representative indicated I could convert my current card " Chase Freedom '' to the new card, but they would need to pull my credit. The representative made no other representation at that time regarding conversion and never mentioned anything in regards to the offer not being honored if you convert cards in lieu of opening a brand new account as my intentions were made clear the conversion was prompted in response to the offer. Chase pulled my credit and increased my credit line from XXXX to XXXX keeping it at the same APR. I inquired as to why my account received such a high APR as my credit scores range XXXX-XXXX and she was unable to answer me at that time. I received the new card in the mail on XXXX/XXXX/2016, noting that none of the offer information was included in the mailer, prompting a call into chase to understand why no benefits were disclosed. Chase, after the fact, informed me the card was not eligible for the offer and new APR because it does not apply to account conversions, a fact the representative on the recorded line failed to mention despite knowing my intent, and the facts were not disclosed in any of the terms and conditions on the website, mail advertisement, or verbally. I asked to speak to a supervisor XXXX XXXX, who was unable to honer the offer or correct my account. He informed me to " close my account and re-apply if I would like the offer, but warned I might not be approved again ''. As a result Chase Bank baited me into applying, pulled my credit, and did not honor the offer. This is a clear violation of the Unfair, Deceptive, or Abusive Act 's or practices law. I will attach the offer terms, screenshots, and items confirming at no point did Chase Bank clearly disclose my account was ineligible. I would like Chase to honer the offer terms and reduce my APR of 28 % to an acceptable rate inline with my credit score and income. I hope this prompts a class action lawsuit as many other applicant 's may have been harmed by Chase Bank 's deceptive actions. This is a clear " Bait and Switch '' and I spoke to the Bank to correct the issue prior to filing this complaint. The loss from this will be the {$650.00} in rewards points plus {$95.00} waived annual fee, and an unknown amount in interest due to the higher rate then advertised ( difference between an APR of 28 % and between 16-24 % that should be applied to this card type ). Chase Bank provided me a NEW account with none of the benefits and all of the costs without any warning verbally or in writing prior to causing harm.
Product: Checking or savings account

Bank of america is opening bank accounts in my name and multiple others. If its was fraud there would we some others info added but they opened account in my name with all my correct data. This is same thing XXXX XXXX did when they opened accounts to show increase liquidity. This also happened to my boss and couple others.
Product: Debt collection

I received a letter from CCI saying that I owed money to XXXX XXXX under an account that does not match my XXXX accounts. I used their online form to dispute this bill, asking for details about date of visit and providers seen. I think I got a follow-up letter saying theyd research and get back to me. I didnt bother to write down dates or details of these letters because I assumed that more information would come, or theyd figure out the source of their error and drop the matter. 

I received another letter dated XX/XX/2023 saying I still owed {$25.00}, still with an account number I dont recognize. The letter said more details could be retrieved from their website using a reference number. This document was one long rephrasing of the demand letter, with a link buried in the wall of text to get the details. That link said the bill was for a visit on XX/XX/2023. 

I looked at my XXXX records online, and saw that was a date I had a telemedicine visit with my XXXX doctor. Then I looked at my XXXX XXXX  HSA records and saw that I paid {$25.00} towards that bill on XX/XX/2023. 

I have no idea how a 19 day old bill got sent to CCI for collections, but also am annoyed that they cant be bothered to check that it was paid months ago, even after disputing the amount with them. 

Why cant they get the correct account number on their collection letter? Why cant they include the details necessary to match the debt to a specific bill in the letter, and instead have to visit their website and dispute it? Why cant they respond to disputes with documentation, instead of sending another collection letter? Why does their web form not include the 1 line of information that documents their claim, instead of obscuring it with a link? It seems they do everything they can to get you to pay them rather than to justify why you owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOK AT MY ATTACHED COMPLAINT AND PLEASE DO NOT CLOSE IT WITHOUT A REAL SOLUTION
Product: Credit reporting or other personal consumer reports

I have been trying for several weeks to get my credit report. I even uploaded my Social Security card, drivers license and proof of residence 3 times and have yet to hear back! I even contacted XXXX through the membership email and they commented back once and then now they wont respond at all
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is alarming that despite my genuine concerns and efforts to rectify inaccuracies resulting from identity theft, your bureau has failed to address my disputes effectively. The accounts in question are causing significant distress and have the potential to adversely affect my financial well-being. I have diligently followed the necessary procedures to dispute these accounts, and I have seen positive responses from other credit bureaus. I am now at a loss to understand why your bureau persists in denying my legitimate claims. The repeated denials not only defy the Fair Credit Reporting Act ( FCRA ) but also indicate a disregard for the rights and well-being of consumers. 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

ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account listed be deleted IMMEDIATELY! 

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

I reviewed my credit report, and I found that KINUM has reported a collection. I've never did any business with them. Where did they get this information from??

KINUM please verify that I've done business with you with viable information, i.e DOB, SSN.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to quate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

National Credit Systems in XXXX, GA keeps calling me about a debt that I do not owe. I've sent them numerous emails and spoke with them several times on the phone to let them know I needed to see proof of debt because I don't owe anyone, anything. They finally emailed me one document of an apartment lease that ended XXXX of XXXX. I let them know I moved out of this apartment in XX/XX/XXXX of XXXX, and that I don't understand what they are trying to collect. On 3 separate occasions they changed their story of why they were collecting this debt. First they told me if was for lost keys, then they told me it was for missed rent in XXXX, lastly, they told me if was for rent for the month of XX/XX/2022. Well, I moved out in XXXX, so I didn't owe XXXX rent. The only document of proof they were able to show me was a lease that expired in XXXX. So, how can they justify collecting on a debt from a month that I didnt even live at this apartment? I've sent them screen shots, emails, phone records, videos, pictures, etc from my moving day and they just keep calling me. I've sent them all of the documentation that one would need to be able to see the apartment is not being truthful. They can not seem to produce " proof '' that I owe rent, the collections representative told me today that they just rely on the apartment 's word. Correct me if I'm wrong, but I dont think that is how the law works. Just because an apartment manager ( who is proven to prey on the elderly ) says I owe something, does not mean I owe it, unless she can prove otherwise? And so far, they can not prove it, because its not true. I need someone to help me because the manager at the collections company seems to be friendly with the apartment manager, and I honestly believe something illegal is happening here.
Product: Credit card

My PayPal Credit Card was randomly closed without formal correspondence. ( Neither written nor digital. ) I did not request to close the account and my account has stayed in good standing. Purchases were regularly made using the card and payments were persistently posted on time. I would like an explanation as to why the card was closed and for the account to promptly reinstated. This is not a fair situation, and I question the legality of closing an account without any correspondence what-so-ever.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off car loan in full and XXXX XXXXXXXX points on credit report... ..how is this right? Why am I being punished for paying off account?
Product: Credit card or prepaid card

I am writing today in regards to my account with Bank of America account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, XXXX declared a XXXX XXXX XXXX which impacted me greatly during the month of the late. As soon as I was able to, I got my payment made and caught up. As you can see I have made all my previous payments and payments after on time.
Product: Debt collection

Midland Credit Account Numbers : XXXX, XXXX, XXXX Midland Credit responded to my CFPB dispute stating they would remove all collections from my credit. However, they failed to do so. I have attached their letter confirming this but have been blocked from contacting them further. I demand these accounts be removed immediately.
Product: Debt collection

This company has knowingly and inaccurately reported information to the 3 CRA 's. I have asked that they provide documentation proving that this debt belongs to me to which they provided documentation claiming that XXXX  is the original owner of this account along with lease agreements with my name on it. However, the information provided by SourceRM is very much conflicting with the information received from XXXX. Upon speaking with a XXXX Representative, IN STORE, I was provided with documentation that DOES NOT match the information provided by SourceRM. SourceRM claims that the account was opened in Colorado with the purchase of a black XXXX on XX/XX/XXXX and a rose gold XXXX XX/XX/XXXX. One with a typed signature the other with a hand written signature. Yet, the store Representative at XXXX provided a completely different lease agreement with my name on it for an account due to the purchase of a RED XXXX kit 128 gigabytes purchased on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX Florida also, with a typed signature which coincidentally was also not purchased by me. I provided this documentation to SourceRM as well as XXXX in effort to have them do a thorough investigation of said accounts, and have also filled out the XXXX identity theft affidavit along with a police report and have mailed it back of to XXXX to no avail. I have also attached the print out that I received from XXXX as further proof, that these accounts are fraudulent and that neither of them were thoroughly investigated by either XXXX   nor SourceRM before knowing and illegally reporting false information to my consumer credit reports. Additionally, because of this conflicting and unverifiable information, I ask that this trade line be removed from all three credit reporting agencies or I will be immediately filing a complaint with the Federal Trade Commission and the Texas Attorney Generals office. 
I would prefer not to have to use the courts to resolve this matter. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed after the equipment was returned. XXXX keeps the account open without any services provided and then claim an amount to be paid and tuns it into collection. This way of intimidating customers not to cancel services because of XXXX overpowering forces of illegally misrepresent customers ' credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received an electronic response to the debt validation letter from the the corporate office of XXXX XXXX XXXX XXXX, I was also sent the Original XXXX contract. I was called by an agent and I was told that I would not receive any of these documents via registered or certified mail and that I was not eligible for refinancing because XXXX XXXX does not refinance any of their contracts. Again I assert that this information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten called a XXXX XXXX and XXXX, which I find defamatory and seek punitive damages instead of the runaround. The debt validation electronic letter was sent on XX/XX/2024. I do not wish to receive any defamatory correspondence from this company and I am filing a lawsuit. I need a fair resolution to this situation to avoid litigation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is a blatant violation my rights as a private citizen.
Product: Checking or savings account

I know Wells Fargo has undergone another lawsuit and I want to see if my account was impacted given I have had Wells Fargo since 2015. I feel I have been charged wrongfully over draft fees in my earlier days as a wells Fargo consumer.
Product: Credit reporting

There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report.
Product: Mortgage

I was behind on my mortgage payments, so I called Rushmore Loan Management Services to make arrangements ; we decided on a repayment plan for 6 months to catch up. the original amount was {$1500.00} right away ( XX/XX/XXXX and then {$2000.00} starting in XX/XX/XXXX. I mailed via fedex the {$1500.00} on time. I get paid bi-weekly, so the next payment of {$2000.00} was mailed via fedex XXXX, I believe, It was applied to my mortgage XX/XX/XXXX or around then. I included a letter along with my payment asking to split the payment in XXXX as I got paid by-weekly and have yet to receive any response from Rushmore. 
I mailed a payment of {$2000.00} XX/XX/XXXX for {$2000.00} via fedex, I received a confirmation from fedex that the envelope was received and signed by Rushmore XX/XX/XXXX. As of the date of the complaint XX/XX/XXXX, my payment has not been applied to the loan! I have called a number of times and all I was given was excuses. I even received an covert threat by a person named XXXX -customer service, about the status of my loan and how " far behind '' I was! 
I receive emails that I can check their website for statements and make payments online. I do not have access to Rushmore website ; Rushmore has blocked access because of this repayment plan in-effect! so I am XXXX here! I have not received paper statements either since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies I have identified in my credit report regarding the XXXX XXXX XXXX account. Upon reviewing my credit report, I noticed significant discrepancies between the information reported by the credit bureaus. These inconsistencies appear to violate the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information be accurate and verifiable. 

Below are the details of the discrepancies : XXXX. Account Status Discrepancy : Experian reports the account as Closed, while XXXX lists it as XXXX. The account status must be corrected for consistency and accuracy. 
XXXX. Payment Status Conflict : Experian lists the payment status as Collection/Chargeoff, whereas XXXX lists XXXX as Late 120 Days. This conflict requires clarification to reflect the correct payment status. 
XXXX. Creditor Remarks : Experian notes : Account seriously past due and assigned to attorney, collection agency, or credit grantors internal collection department. 
XXXX lists : XXXX account. 
These remarks are inconsistent and need to be verified and corrected. 
XXXX. Payment Amount and Last Payment Date Discrepancy : Both bureaus report a payment amount of {$0.00}, but Experian lists a last payment date of XX/XX/year>, while XXXX omits this information. If a payment was made, it should be consistently reported across all bureaus. 
XXXX. Term Length and Account Type Mismatch : Experian reports a term length of 1 Month ( XXXX ) and identifies the account type as Bulk Purchase Finance, while XXXX lists it under Factoring Companies with no term length. This needs to be clarified and corrected. 
XXXX. XXXX XXXX XXXX XXXX : Experian and XXXX report a past due amount of {$930.00}, while XXXX provides no information regarding this account. This omission suggests incomplete reporting that must be addressed. 

These discrepancies create confusion and could negatively impact my creditworthiness. I respectfully request a thorough investigation into this matter and that the incorrect or unverifiable information be corrected or removed from my credit report. 

Please respond to this dispute within the XXXX period, as required under the Fair Credit Reporting Act. If necessary, I am willing to provide additional documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the resolution of these discrepancies. 

Sincerely, XXXX XXXX