23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from XXXX as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repot Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was blocked on XX/XX/XXXX because of a cashier check {$48000.00} deposit. Citibank stated that they needed to verify the check or my account will be closed and won't release the funds. I have been calling Citibank trying to resolve the issue to no avail. The cashier check is from Citibank and the remitter is a Citibank customer as well. Citibank is stating they can't verify the check and therefore won't release the funds. They are fradulently withholding funds because they can easily verify the check because Citibank is the issuer of the cashier check. 
CASE ID : XXXX
Product: Credit card

Bank Credit Card opened XX/XX/XXXX. This is XXXX of XXXX cards but I don't recognize the acct. #. Opened fraudulently. Minimum of $ XXXX is paid monthly and always current. Last paid XX/XX/XXXX. Balance {$190.00}. Not my card. I pay my bills in full every month - never a minimum. Requested credit report from all XXXX companies because I will be applying for a mortgage and found this odd card. 
On XX/XX/XXXX in the early evening, I called the bank in question. The gentleman told me he only saw XXXX account and NOT the one I was disputing. So I disputed online with XXXX XXXX on XXXX but today XX/XX/XXXX XXXX told me to dispute as a fraudulent account.
Product: Credit card

I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my account????
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXXXXXX XXXX  XXXX. Account # : XXXX. Delete XXXX FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current willful violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows XXXX different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Mortgage

XX/XX/XXXX Subject : Urgent Complaint Against West Coast Servicing , Inc. for Unlawful Foreclosure Proceedings and SCRA Violations Dear Consumer Financial Protection Bureau, We are filling this complaint regarding a serious issue with West Coast Servicing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that requires immediate attention. 

As an active-duty military service member who is protected under the Servicemembers Civil Relief Act ( SCRA ), which caps mortgage interest rates at 6 % during active service, West Coast Servicing , Inc. is charging an excessive 11.50 % interest ratenearly double the legal limitresulting in financial hardship and an unjust foreclosure attempt on our primary residence. 

Details of the Complaint : Loan Account Number : XXXX Scheduled Foreclosure Sale Date : XX/XX/XXXX Current Interest Rate Charged : 11.50 % ( Violation of SCRA XXXX : 6 % ) Total Payoff Amount as of XX/XX/XXXX : {$90000.00} Original Principal Balance is {$32000.00} and Loan Maturity date is XX/XX/XXXX. 

West Coast Servicing , Inc. has failed to comply with federal law by not adjusting the interest rate to the legal limit of 6 % under the SCRA. Additionally, they have accumulated excessive interest and fees, unfairly inflating the outstanding debt and placing undue financial burden on the Pascals. The wrongful foreclosure proceedings are a direct result of this unlawful overcharging. 

Request for CFPB Action : 1. Immediate halt of all foreclosure actions against our home.

2. Correction of the interest rate to comply with the SCRA ( retroactive adjustment to 6 % ). 
XXXX. Recalculation of the loan balance to remove illegally accrued interest and fees.

4. Investigation into West Coast Servicing , Inc. for potential violations of the SCRA and consumer protection laws.

The SCRA was enacted to protect active-duty military personnel from financial exploitation, and West Coast Servicing , Inc. 's actions are a blatant violation of those protections. We urge the CFPB to take swift action to prevent further harm and ensure compliance with federal law. 

Please confirm receipt of this complaint and provide updates on the investigation. We appreciate your prompt assistance in resolving this matter and preventing an unlawful foreclosure. 

Thank you,
Product: Credit card or prepaid card

I had a fraudulent transaction that I reported to chime where my card was used. Instead of doing a diligent investigation and getting evidence to support that this transaction was legitimate they denied my chargeback. 

I have banked with this company for years and never once filed a chargeback and when I finally need it because I am a VICTIM they do nothing for me
Product: Vehicle loan or lease

On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. 

Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. 

On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. 

In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit.

Exeter Currently charging 21.47 APR and is a debt collector
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on 3 occasions to have Equifax and the debt collection agency to accurately report the account information. My chapter XXXX bankruptcy was discharged on XX/XX/XXXX and I have two collection accounts still reporting as open with a balance. This creditor was included in the bankruptcy filing, however they did not file a claim. I have sent a letter to collection agency requesting that they report it as closed/charged off and two disputes with Equifax to correct the error. After my first dispute filed on XX/XX/XXXX, completed on XX/XX/XXXX the account was corrected to a {$0.00} balance but still reporting as open. I filed another dispute on XX/XX/XXXX and shows it was completed the same day, now the accounts show the balance again and are still reporting as open. These same accounts have been reported as open with a balance since my bankruptcy plan was confirmed in XXXX of XXXX. The collection agency reports every month so that it refreshes the timer, essentially so they can damage my report for more than 7 years. These accounts are no longer able to be collected. While they do not contact me in an attempt to collect the debt, the inaccurate reporting is hindering my ability to effectively rebuild my credit.
Product: Credit card

XXXX XXXX XXXX, Chase Bank solicited me for their Slate card. Chase was aware that I had an existing bankruptcy and low credit score. Again, Chase solicited me based on this knowledge. Chase denied me due to " [ my ] credit report contains a bankruptcy ''. I now have an inquiry entry on my credit report that now should not be there as I would have never applied if Chase had not solicited based on my challenged credit history. Inquiries can lower your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is incorrect and inaccurate reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TOWER LOAN, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed there was an inquiry that wasn't authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

I am It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
XXXX XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information, I have opted out of any and all communication regarding this account with any non affiliated third parties, yet these financial institutions continue to violate federal law by continuing the unauthorized reporting of this account.

These financial institutions have violated the following Federal rules and regulations 15 USC 6802 ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( 2 ) The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence.

These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting, credit repair services, or other personal consumer reports

From my credit report, it shows a late payment for XXXX, called XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Product: Debt collection

This debt was from a workers compensation injury claim for physical therapy that was paid by my personal health insurance by mistake. My health insurance company refused liability for debt and reversed the payment. I have notified workers compensation insurance company ( XXXX ) and sent them the bill for the debt. Ive done all I can do to resolve this issue. The collection remains on my credit report and is hurting my near perfect credit score that I have worked so very hard to obtain.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally address the discrepancies and violations of my rights regarding my credit account with XXXX XXXX XXXX, account number XXXX. Upon reviewing my credit report from TransUnion, XXXX, and XXXX, I have noticed several inconsistencies that require immediate attention. I have tried disputing this directly with Transition for years now but they have been extremely difficult and uncooperative. 

Firstly, I must express my concern regarding the derogatory status of this account, particularly on TransUnion 's report, despite it being marked as paid on XXXX and XXXX. This conflicting information not only creates confusion but also unfairly affects my creditworthiness. I request that this inconsistency be rectified promptly and that the derogatory status be removed from all three credit bureaus. 

Furthermore, while the account is reported as paid on XXXX and XXXX, it is evident that there are lingering issues, as indicated by the repossession comment on the account. However, there is no clear explanation or context provided for this repossession, nor is there any indication of redemption. This lack of transparency violates my rights as a consumer and undermines the accuracy of my credit report. 

Additionally, I must emphasize that I have never missed any payments on this account. Therefore, any suggestion of delinquency or repossession is not only inaccurate but also a violation of my rights and privacy under 15 USCS 1666b. It is imperative that my credit report accurately reflects my payment history and financial responsibility. 

I demand that all discrepancies pertaining to the balance, payment status, and last reported date be thoroughly investigated and corrected. It is imperative that my credit account with Transunion is brought up to date and accurately reflects the current status, in accordance with the Fair Credit Reporting Act.
Product: Mortgage

Hello, I am a rec ent widow ,   XXXX   XXXX   on  XXXX , and a senior. My home is financed by  JP Morgan Chase , I have completed and sent in    XXXX    assumption modification packets to no avail. I have submitted to them absolutely everything over and over that they have ask for. Some of the information they requested from me is n't possible. Once I told them their request does n't pertain to my situation or to me they told me that it was a error on their part and to omit that request. I called  XXXX   XXXX  and was blessed that the woman who answered the phone helped me to know exactly what they were asking me for. This is after I spent hours and   XXXX   trying to comply. My denial came with the reason being I DID NOT SEND IN MY DOCUMENTS IN TIME. This is absolutely not true. The loan was in my husbands name with  Chase. However the original mortgage I really believe was in my name also. when we started receiving info from Chase it had my husbands name and my name. Then as time went on it on ly showed my husbands name.   I LOST MY HUSBAND LAST YEAR TO  XXXX  IN    XXXX   XXXX    I HAVE BEEN DOING EVERYTHING POSSIBLE TO SAVE MY HOME. I NEED HELP IN THE WORSE WAY ... I CA N'T MAKE THE CURRENT MORTGAGE PAYMENTS AS WHEN I LOST MY HUSBAND MY HOUSEHOLD INCOME WAS CUT A LOT.   I have done absolutely all that  Chase has ask of me and more. I have complied with it all. I have even had them tell me that I am doing good in submitting all the information to them. I have {$45000.00} approx. in equity in my home. I believe I was turned down because Chase  is wanting the most profitable way. If my interest rate is low ered from 5.25 to the  2 % their profit margin will drop. I am on the verge of hospitalization because of the  XXXX   Chase h as put on me. I was my husbands   XXXX   XXXX   for over 20 months then I watched him as he took his last breath.   All I am asking for fairness. I can make my house note easily if it was lowered to the  XXXX  that it should be which is according to my income and what is being offered now b y HARP. I ca  n't get this nor any other refinance because I am behind on my mortgage payment. I am at wits end and I pray that you will please help me please.