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

Equifax is discriminating against my credit report! Equifax REPORT my credit card account that was PAID IN FULL. I want a American Supervisor at Equifax to look into this! XXXX XXXX  XXXX ACCT XXXX NOT REPORTING ON MY CREDIT REPORT. This is very simple report my paid off credit card on my report ASAP! Your company has defamed my reputation and is not following the law. I have sent numerous letters costing me money only to be ignored by your company because Equifax is having other countries handle Americans credit report! FIX THE ERRORS The State of the FDCPA in XXXX As we move into XXXX, the law remains a strong protection for consumers, however, at over 40 years since inception, it is showing its age. For example, the fine for violations remains the same {$1000.00} it was in XXXX. Had that amount kept up with the rate of inflation, the fine should now be over {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names, addresses that are not mine, and that is not correct. I wish to get this resolved immediately.
Product: Bank account or service

This complaint is against Chase Bank Credit Card. I always pay my balance in full ; last statement was for {$1100.00} ; I paid {$1100.00} because there was an outstanding credit that had not been posted. I was NOT TOLD that if that credit was disputed by the vendor, I would be charged an interest on the full amount of the statement. I call this FRAUD AND ABUSE OF CONSUMER CONFIDENCE.
Product: Credit card

Since XXXX I have had a secured credit card with Navy Federal credit Union it only a year ago was turned into a regular credit card by them and last month I received a letter from them stating they were going to close my credit card that had a credit limit of {$6000.00} Because my credit score in general had dropped this is a harmful action because I had a temporary reduction in income because my husband had a XXXX in XXXX and my work hours went down, but that is no longer the case and temporarily having your credit score drop should not mean they get to permanently remove my ability to get a mortgage, which is what closing the account would do Have been with Navy Federal for over 20 years and that card was a secured card for over XXXX years if they thought that I was such a risk, they never would have turned the card into a regular card from it being a secured card. Their actions will harm me for the next 10 years.
Product: Debt collection

On XXXX XXXX, XXXX Midland Funding ( who had purchased a credit card debt from XXXX ) filed a complaint against me in XXXX XXXX Georgia Superior Court via the law offices of XXXX. 

On XXXX XXXX, XXXX the law offices of XXXX contacted me in writing offering a resolution to the case without further legal proceedings. Through written communication with XXXX a payment agreement was met. I agreed to and paid the law offices of XXXX a total of {$1800.00} in {$75.00} monthly installments between XXXX XXXX, XXXX and XXXX XXXX, XXXX to resolve this debt. 

On XXXX XXXX, XXXX attorneys from XXXX filed an affidavit in XXXX XXXX Georgia Superior Court on behalf of Midland Funding stating that I became in default on XXXX XXXX, XXXX by virtue of " filing no answer '' - which is what their settlement / resolution agreement with me was intended to prevent. 

On XXXX XXXX, XXXX a judgment was ordered and filed by the XXXX XXXX Georgia Superior Court in favor of Midland Funding and awarded them {$1800.00} - {$1500.00} in principal and {$250.00} in court costs - which I had already agreed to pay the law offices of XXXX to prevent these legal proceedings. 

To this day there is still a Civil Judgement showing on my credit reports. Though it now shows " Satisfied '', the judgement will remain there and impact me financially until at least XXXX of XXXX. 

I have all of the communications from the attorneys and copies of all the court documents - including a completely different set of court documents issued from a different attorney in the XXXX that I was forced to sign agreeing to the repayment that never made it into the court records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Roundpoint Mortgage is illegally holding money in my escrow account. I got my property taxes reduced and my new tax bill that I sent them clearly shows that they have way over calculated my escrow account, to the tune of over {$1600.00} a month that is on each of my payments. Now they are holding over {$6000.00} of money in my escrow account that needs to be returned to me. They gave me instructions and then have done nothing after doing this. This is illegal and XXXX cant get my money from them.
Product: Student loan

InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she  asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week  's stay.. 

When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. 

The school 's admission office was pushing all type of financial aid so that she could attend their school. 

We would like this matter investigated.
Product: Mortgage

I had a fire at my property. On XX/XX/XXXX I contacted the servicer of my second mortgage ( LoanCare ) because their name was on the insurance checks that I received from the insurance company that totaled {$71000.00}. I was told by the Representative that I should send the endorsed checks to their office with a return envelope and they would endorse the checks within 2 business days and return them to me so I could forward them to the first mortgage holder ( XXXX XXXX ). On XX/XX/XXXX I followed up with Loan Care and was initially told that they were going to cash the checks and administer the process of releasing the money to the contractor. I reminded them that they had told me on the XXXX that they wouldn't administer the claim because they were the 2nd mortgage holder. The representative then said that she was mistaken and that they won't be administering the money but that they needed the instructions and claim information from the first mortgage holder. I forwarded that information that day and it was signed for by their office on XXXX XXXX called them again in early XXXX and was initially told that they hadn't received the information but after giving them the tracking information they acknowledged that they had it and the checks would be endorsed and returned to me within 5 business days. I contacted them again 10 days later and was told that they cashed the checks and that they would distribute the money directly to the first mortgage servicer but that because of the amount of the checks they needed, but hadn't received, the necessary authorization from their manager which they had requested 9 days earlier. They refused to put me through to a supervisor and instead brought a resolution specialist on to the call who said there was nothing they could do and I had to wait for the authorization. It is now been over 2 months since they received the checks and they still haven't released the money. The contractor has stopped working because he hasn't been paid and the house is not habitable in its present condition. I have continued making the payments but it has been a financial burden.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX for XXXX reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX 's actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule XXXX ( Preservation of Status Quo ) and Rule XXXX ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX and XXXX of the XXXX XXXX XXXX, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX  )
Product: Credit card

I had a balance of XXXX. The account was due on XXXX XXXX XXXX. I paid by phone on XXXX XXXX 2024 and asked for a total balance was told XXXX which I paid that day. Then got another bill for XXXX called and asked why they said on XXXX XXXX after the total balance was paid there was an interest charge of XXXX and then they charged a late fee on that interest charge for a total of XXXX. I called and asked to have the late fee removed and pay the XXXX they said no. Now they have added another late fee of XXXX on XX/XX/XXXX I called today and they said they were putting another one on tomorrow for a total of XXXX late fees. I have tried to work with these people but they are definite that have a right to do this. I am XXXX XXXX XXXX and live on social security and have to pay when I get paid so that is why it was 3 days late. I did cut the card up when I paid what I was told was the balance and need help with this as it is being put on my credit account. I asked for a supervisor and got nowhere with getting this taken care of.
Product: Checking or savings account

On XX/XX/23 my Chime account was hacked. I began receiving thousands of texts nonstop, to prevent me from receiving notifications from my bank. I called chime support because my phone number, email and password to my account was changed during this period. They were able to change my account email, then I was hung up on. I called again to dispute the transactions and was told to call back in an hour because they were having server problems with my account. I called a third time and was told nothing could be resolved. I highly suspect that inside sources of chime stole my information/money. I have transactions being made from XXXX XXXX. I have a charge from XXXX of {$1500.00}, another from XXXX XXXX of {$40.00}, XXXX XXXX XXXX of {$42.00}. Please help and publish this so others are warned to avoid this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not provide me with a complete and accurate report as required by law. They did not conduct the FCRAs required and legal investigation based on my factual dispute ( re : XXXX XXXX XXXX Acct # XXXX ) In Experians notification to me ( Report # XXXX Date : XXXX ), I was informed that they would not reinvestigate my dispute, even though they could not provide proof that they processed my initial dispute. 

My credit report does not reflect an update that would coincide with an investigation. The last update for this account is XX/XX/2020. My report is also missing its Notice of Dispute, which means Experian never investigated my dispute.
Product: Student loan

I AM CURRENTLY ON THE PUBLIC SERVICE FORGIVENESS PROGRAM. MY LOANS WERE TRANSFERRED FROM XXXX TO FEDLOAN DUE TO THIS. FEDLOAN HAS HAD MY LOANS FOR OVER A YEAR NOW. THEY HAVE NOT CALCULATED MY PAYMENTS TO COUNT TOWARDS MY PSLF. I HAVE GOTTEN SEVERAL REASONS FOR THIS. LAST TIME I CALLED AND DISCUSSED THIS I WAS TOLD IT HAD BEEN REVIEWED MULTIPLE TIMES ( MORE THAN 6 ) AND NOTHING HAD BEEN DONE. I SENT A MESSGE TO CUSTOMER SERVICE IN THE SUMMER AND RECEIVED THE MESSAGE THAT BASICALLY SAID THEY WOULD CALCULATE MY PAYMENTS WHEN THEY FELT LIKE IT. I ALSO FEEL THAT MY PAYMENTS ARE NOT APPROPRIATELY APPLIED TO THE LOANS I HAVE.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shepherd Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act .Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX ] and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962E ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports Failure to respond within 30 days of receipt of certified letter will result in small legal action your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Product: Credit card

My husband and I used our Chase sapphire credit card reward portal to book a rental car for our honeymoon in XXXX. The cost of the rental car for 7 days was {$120.00} or XXXX reward points. When we arrived at the XXXX airport XXXX desk to pick up our car, we were told by the sales agents that the car was not insured and the cost of car insurance was {$500.00}. Given the risks of driving without insurance, we opted to purchase the insurance after I spent some time trying to reach out to chase unsuccessfully ( international, time zone difference ). The cost of the rental car was not one we budgeted for and has put a significant strain on us financially. Once we arrived back home, I was able to look into the fine print a bit and realized a couple of issues. First, our credit card offered rental car insurance but they did not automatically remind us of this after the booking of our car. Secondly, they have a close relationship with XXXX who also must have known that we used rewards to book the car and that chase credit cards offer car insurance. This felt like a greatly fraudulent transaction where Chase gives us a " reward '' without doing their due diligence to serve the customer and then XXXX reaps the benefit of tricking consumers into purchasing insurance that their credit card may have offered. This entire interaction feels completely disrespectful of the consumer and leaves me feeling taken advantage of and abused by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was served notice on XX/XX/XXXX regarding a debt held by XXXX XXXX, XXXX in the amount of {$8700.00}. Their attorneys are Kirschenbaum & Phillips, P.C. They contacted by me phone in XXXX regarding this debt. I called to discuss this debt as it dates back to XXXX  with XXXX XXXX and this debt and all my debts were discharged with my XXXX  XXXX bankruptcy filing in XXXX. During my phone conversation they told me they have no record of this filing and when I told them the statute of limitations has expired they told me there was no statute of limitations regarding consumer debt. They have filed a complaint in the city of XXXX XXXX, NY and they had filed the same complaint in XXXX. 

I faxed Kirschenbaum & Phillips, P.C a copy of my XXXX  discharge in XXXX after my conversation with them. 

This is harassment and I need them to stop.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with The Bureaus ( {$950.00} ), XXXX ( {$600.00} ), XXXX/XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
Product: Checking or savings account

i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transworld Sys INC on several different occasions. The latest contact was on XX/XX/20 @ XXXX. I spoke wXXXX Employee # XXXX. I explained to the representative that I had no knowledge of the account in question. The representative gave me account details. She said the account was from XXXX XXXX XXXX. Located in XXXX XXXX, Ks. She did not give me a date but she said the address they had on file was a 7yr old P.O Box that I no longer have. I explained to the representative that when I went into the XXXX. I had given the check in my current DL, my insurance card and the information I had filled out had all my CORRECT contact information. I explained that somebody had dropped the ball and failed to ENTER the CORRECT information. But instead took the precious information from an older visit. I explained to Transworld that they also had the opportunity to contact me and failed to. XXXX emp # XXXX said that she had the same address on file. I explained to XXXX ( Transworld ), that they must have received return mail because it is a PO Box . Considering I do not have a Box at the post office. The mail would definitely be returned. I advised XXXX, that I wanted this collection removed from my credit report. They are reporting it twice a month. Once as collection. Once as updated debt. If I would have been notified or the hospital would have took the diligence into doing thier jobs correctly. This bill would have been paid by insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft, and filed a dispute to Chex- systems to get information form one account ( XXXX XXXX XXXX XXXX deleted due to account being opened by fraud, they have failed to delete it and this information id affecting my availability to get financial resources that i need
Product: Debt collection

Credit collection service, XXXX XXXX  XXXX XXXX XXXX XXXX, refuses to remove a collection that was paid 2 years ago. I have contacted the company and can hardly understand the person I was speaking to, requested a supervisor who was extremely rude and just refused to help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.