23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 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, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. 

Recently, I discovered that several hard inquiries were made under my name without my consent or knowledge. These inquiries, listed below, do not correspond to any credit application or financial activity that I have initiated. The following hard inquiries are unauthorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. 

I kindly request your urgent assistance in removing these unauthorized hard inquiries from my credit report as soon as possible. The presence of these inquiries not only misrepresents my financial behavior but also significantly impacts my creditworthiness. 

Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Product: Debt collection

Company is now ignoring all requests for information- complaint XXXX was not responded to in a proper manner, please forward this complaint to enforcement as company is attempting to collect on criminal usury interest amounts. XXXX USD off a XXXX USD credit limit. I've enclosed a spreadsheet showing civil usury which this company is obviously guilty of, but by their own admittance, the interest was only calculated on a 3 year period.
Product: Mortgage

My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.
Product: Mortgage

I previously encountered hardships with respect to my mortgage and secured the services of an attorney to assist with such. At that time, my mortgage was upside down, and I underwent a financial restructuring process and my attorney assisted in lower my debt. Chase, who held the XXXX mortgage on my home, was contacted by my attorney to facilitate such. At that time, I wrote a letter to them in XXXX XXXX explaining the financial and medical hardships I was experiencing, and requested the same be forgiven. My attorney received a letter from Chase advising that the debt had been cleared. After receiving the letter, I contacted Chase a few times to confirm the debt had been wiped out and was advised that was in fact the case and I was sent a Satisfaction of Lien in XXXX XXXX. After receiving this notification, my XXXX mortgage went through a refi process through the new HARP program. Since Chase wrote off my debt, we did not include it. Afterwards, my attorney and I concluded our business and terminated our relationship. In XXXX XXXX, I was contacted by Chase and advised that they released my debt in error and requested payment. I wrote to them on XXXX XXXX, XXXX reminding them that the time to negotiate was when I had an attorney who was retained for that purpose. They were well aware that I was represented as my attorney wrote to them on several occasions. I requested a XXXX to file in accordance with the Mortgage Forgiveness Debt Release Act which they failed to provide. I requested that they honor the prior agreement and advised that I will not be making any payments in which they never responded. Chase went several months without contacting me. However on XXXX XXXX, XXXX, I received another letter attempting to negotiate the debt which is highly improper. At this time, since it appears that Chase is refusing to honor their prior commitment, I am filing a complaint and am requesting your assistance on such.
Product: Credit card or prepaid card

Company closed my account after 1 payment was returned due to account frozen. Account was frozen due to unauthorized activity and I asked the Bank to close it. I was asked by XXXX XXXX  to step inside branch and open/change account number. Citi, closed my account because autopay payment was returned. Mind you, I paid my monthly payment one day before from my new account from XXXX XXXX. Autopay went thru when wasn't supposed to and payment returned. I did pay my monthly payment and I did change my autopay info afterwards. Bank based their decision solely on 1 returned payment they didn't even call, text, or email to verify. 
Someone closed my account without base or grounds of violating contract and for away with it. I want the company to reconsider the fact and reopen my account and to stop all reporting to credit bureaus that affects my score ( account closure )
Product: Credit reporting or other personal consumer reports

The record of my payments is normally punctual, so these late payments seem out of place.
Product: Debt collection

On XX/XX/XXXXXXXX  i got a alert from XXXX that on XX/XX/XXXX receivables performance had hit my XXXX  credit report saying i owed a debt which i dont, and in fact that never sent me any letter stating i owed this debt before even reporting it to the credit bureaus So on XX/XX/XXXX i called receivable performance up to even find out what it was about and they had said it was a u. Paid bill from XXXX XXXX, Which i ported my phone number over to XXXX in XXXX of XXXX which my bill i had paid on XX/XX/XXXX, And i stated that in order to port ur number over all bills had to be paid current, so after getting off the phone with them swung into XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX, IA XXXX United States At around XXXX on XX/XX/XXXX and sat down with a assiocate to figure everything out and i asked him in order to port ur number the account had to paid off and he said yes, so i showed him what was on my credit and hes like hmmm so another gentelmen who was XXXX came over and said we will have to have u call a associate so they sat me at a desk on the far right of their store after talking to this lady over the phone she said it was for a bill from XXXX XXXX i said how is there a bill from then i was with XXXX then the lady said hmmm hold on ( as she was stumped ) so she had to get with someone in the manager department at XXXX XXXX  corporate then she came back on phone and said i would have to call receivable performance at a number and i said i have got off the phone with them at XXXX XX/XX/XXXX, All bills was paid on this account and XXXX XXXX is making up a bill and illegally trying to get me to pay for a XXXX XXXX bill in which i was with XXXX XXXX in XXXX of XXXX XXXX Receivable performance and XXXX XXXX  are doing illegal bussiness tatics as receivable performance violated the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, by not sending a letter to even try to valadate or dispute the bill in question
Product: Mortgage

My mortgage was recently transferred to Loancare ( a XXXX XXXX ). I have an escrow account for my real estate taxes and homeowners ' insurance, the first installment being due on XX/XX/19. I have two PINs assigned to my home and lot. I received a notice in XXXX that a payment had been made to one PIN, the additional lot portion of my property. On XX/XX/XXXX, I initiated a call to Loancare and was given the option of entering my number to receive a call back. I did so and was never called back. On XX/XX/XXXX, I called again, reached a representative, who understood my issue and was assured that the other tax bill would be paid by XX/XX/XXXX ( which would be late ). Today, XX/XX/XXXX, I checked to see that the taxes had still not been paid and initiated another phone call. The representative informed me that there was no notation in my file about this issue, but went ahead and made arrangements for the bill to be paid. He felt that it should be about a week and I should check back. I asked if I could be given a reference number and was told that was not necessary. At this time, I don't know whether a payment will be initiated or not, but it is already overdue. Further, I believe that they have transposed the PINs and amounts so that they are reserved, which my taxing body seems to have figured out when applying what was actually paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 I went to XXXX XXXX  XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.
Product: Debt collection

Please remove these accounts listed on my credit file, as they are a result of identity theft.
Product: Prepaid card

XX/XX/XXXX : Failed to pay with debit card at grocery store. Has been occurring over the past few weeks so thought I forgot my PIN. 
XX/XX/XXXX : Tried to find out transaction history of debit card on Money Network EDD site. Was unsuccessful so called the customer service line. 
XX/XX/XXXX : Customer service agent tried to send confirmation code to mobile number. Didn't receive. Upon checking, it was discovered that mobile phone number on file on CA EDD site has been changed without my authorization. Email address on file was also changed. Customer service agent closed the account, and is going to mail remaining balance of {$280.00} via check. Also requested for the statement of entire transaction history of the EDD debit card to be mailed to me since XX/XX/year> so I can reconcile against my purchases to be able to file dispute. 

Complaint : There has been many incidents reported in XXXXXXXX XXXX of EDD debit card fraud and unauthorized transactions begin as soon as the card is issued. Money Network is aware of this problem, yet they are doing nothing to protect those accounts being compromised by implementing 2FA and robust security measures. They would not disclose how they have allowed my phone number and email address to be updated without my authorization, and to disclose when that happened. I don't trust that this will be a one-time occurrence if Money Network is not taking steps to protect the account holder. Money Network should be liable for not protecting against fraud instead of passing on those charges as dispute with the merchants.
Product: Credit reporting or other personal consumer reports

My credit score was a XXXX about to be XXXX but I got into a financial struggle in a XXXX XXXXy, I disputed the unauthorized transactions to my credit reporting agency and gave them all my information, and they refused to remove the maxed out credit card on my credit account. I disputed this multiple times and they refuse to follow the law and give me my dispute. The law says if I file a dispute it means I deserve what I want because I'm the one paying for services. The credit reporting agency refuses to alter my account information that I'm disputing to get rid of the maxed out credit I lost in an armed robbery. There is a identity theft on my account and they still refuse to fix my credit account and tell the bank everything is right. This is fraudulent because I've done nothing put pay money for my credit account and never missed a payment and now an XXXX XXXX has put me in the hole. The credit account was in good standing and then immediately got altered. There is no reason my dispute was illegally denied.
Product: Credit reporting or other personal consumer reports

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life
Product: Debt collection

I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX XXXX XXXX bill cycle date XX/XX/XXXX-XX/XX/XXXX. THAT IS NOT PROPER VALIDATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRY To Whom It May Concern, I reviewed a copy of my credit report and noticed some unauthorized inquiries. According to the Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of the consumer must provide consent. I did not authorize the inquiries listed below. 

XXXX XXXXXXXX XXXX Date : XX/XX/2022 XXXXXXXX XXXX, Date : XX/XX/2022 XXXX XXXX, Date : XX/XX/2022 XXXX XXXX  XXXX Date : XX/XX/2022
Product: Debt collection

I noticed this account on my credit file and was never contacted by the collection agency by phone nor letter. 

I have reached out to the collection agency on XX/XX/2019 and requested verification of debt including original creditor information. I requested information to help me validate the said debt but I never received anything. 

The alleged debt is for the amount of {$390.00}. 

The collection company is also not license to collect in the state of TN.
Product: Credit card

I had a promotional offer from Synchrony Bank. I had set up my checking account to automatically pay the monthly payment. 

In XXXX, Synchrony added a " Paper Statement Fee '' which went unnoticed by me, and then has been charging late and overdue payment fees totalling {$270.00} as of XXXX. 

This practice of changing the fee structure in order to create a " gotcha '' opportunity which seems specifically geared to trap auto-payers using third party payment systems is abhorrent.
Product: Credit reporting or other personal consumer reports

Student loans have verbiage stating payments begin XXXX 2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS
Product: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 

XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Bank account or service

On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX I & got a full history from an address I have not lived in, in over 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  AFNI, INC., ACCOUNT- 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open this account 2 1/5 years ago. ACCOUNT # XXXX They request that I set up automatic payments as there terms, I agreed and provided then a blank voided check. This account was never late but according to there report it shows account was late because automatic payments was never set up properly. I called one main was told it would be corrected. I was told to write a letter to there credit department which I did and again was told it was going to be correct. It has been two years an they still have not corrected the error
Product: Credit card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD  PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX EQUIFAX/ XXXX  AND NOE  OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.