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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

You Violated the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit card

A new credit card account was opened without my permission and a new card was sent to my home address. My credit report shows this new account and my XXXX XXXX went down. This unauthorized new credit account will impact my chances of obtaining approval for new credit cards as lenders look at recently opened new credit accounts.
Product: Debt collection

I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.
Product: Debt collection

I have reached out to the original leasing office and they never sent me my last bill through mail. XXXX One year later I see it in collections for {$1200.00}. I've called the collection agency miltiple times XXXX and they are very rude and say they can't find my information. 

I've disputed multiple times on my credit report with no avail. I've sent a written letter out and managed to get it off one credit report but not XXXX XXXX. XXXX I am currently homeless because of this and I don't know what else to do.
Product: Checking or savings account

Hello. My name is XXXX XXXX XXXX XXXX, of XXXX. On XX/XX/XXXX my business partner and I opened a business checking account with Chase Bank. We were served by the branch in the XXXX, on XXXX XXXX near XXXX XXXX. I simultaneously opened a Military Checking account, under what Chase calls " Premier Checking. '' We successfully opened the business account and personal account. 

On XX/XX/XXXX, I received a call from the account specialist that helped us that Chase would require me to remove my name from the business account in order for it to stay open. So, being compelled by way of running my business, I opted to remove my name so that my partner could keep the account in good standing. When I inquired about the reasons for the closure, the Fraud department transferred me to another specialist that explained that in XXXX, I had two accounts open, a Checking and a business account, and that, at that time, Chase opted to end their relationship with me. Also stated was they had voice recordings of the person whom " called a month later to inquire about the closure. '' During the conversation, the specialist was cordial but would not tell me the exact reason why Chase ended their relationship with me. I believe it would've been fair if they offered to investigate for possible fraud as I do not remember opening a Chase business account or checking account in XXXX. I'm sure I didn't and don't know how that could've happened. I also feel it's unfair that my name be removed from the business account. I do not know what rights I am entitled to and am seeking help in at least gaining a investigation from Chase. 

My phone number is XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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

HUNTER WARFIELD INC has placed an account on my credit report that belongs to someone else and is included in a bankruptcy. The petition will be attached showing this account belonging to someone else
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt. Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name : XXXX XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBTS.

I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCY.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts. As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). 
Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. 

Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. 
The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4. I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation. 

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Debt collection

Back in XX/XX/2018 I disputed this account with WFDS of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX/XXXX  or XXXX or even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. 

I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 
1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.
Product: Mortgage

I have been trying to obtain a loan modification for over nine months. I requested copies of my loan documents because I believe that I did not receive and/or sign all of the original documents. I believe the good faith estimate was never provided to me and was later forged. There also may be other loan documents I did not sign. I have requested the loan documents at least 5 times. They will only send me a copy of the note and mortgage ( which is available at the registry of deeds ). They refuse to provided the rest of the loan documents and say my request is overly burdensome. I have explained why I want the copies and they still refuse. In addition, the lender has done everything possible to try and say I do n't qualify for a loan modification. First they would n't accept my income, then when they finally did, they said I did n't pass the Net Present Value Test. I did n't pass the net present value test because they used an inflated fair market value for my home. When I showed them their valuation was based on a drive by BPO and was inaccurate, they said I made too much money and my payment would n't be XXXX % lower than my original payment. I asked them to ask the investor to waive that requirement. They have refused to request that from the investor.
Product: Credit reporting, credit repair services, 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 Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, 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 1681 Section 604 A Section 2 : It 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.
Product: Checking or savings account

On XX/XX/XXXX, I contacted the customer service line for JP Morgan Chase 's Banking services to report that Chase had cashed a check # XXXX of mine twice first on XX/XX/XXXX, then on XX/XX/XXXX. In the first instance, Chase 's records mistakenly coded the check as # XXXX. The images from the entries for both dates clearly show the check number to be # XXXX. The actual check # XXXX and corresponding images corresponds to a payment of {$120.00}, and that transaction is correctly coded for XX/XX/XXXX. 

For the second incorrect deduction from my account of {$930.00} on XX/XX/XXXX, the check was coded with no number at all in the Chase system. 

On XX/XX/XXXX, I was advised I would receive a call back within two business days regarding the matter. The call back I received was unsatisfactory as the caller from the Communications Department could not provide any information as to when the charge would be reversed, nor would he connect me to his supervisor. I was told I would receive a call from a supervisor within 2 days. I did not. 

On XX/XX/XXXX, I called Chase Banking to inquire why I had not received the promised call back. On this call, I was assured that the {$930.00} incorrect charge would be reversed within 2 business days. This credit has not occurred. 

On XX/XX/XXXX, I called Chase Banking again to inquire as to why the credit had not posted to my account within 2 business days as promised. After being disconnected prematurely by one operative, I finally reached an individual who told me that my account would not be credited until Chase Bank had recovered the funds from the external bank. When I reported that this response was insufficient, as I had already waited long enough for Chase to correct its error, I was informed there was no one I could speak with who could do anything else until my complaint 's project closure date of XX/XX/XXXX. If the matter was unresolved on XX/XX/XXXX, I was informed my only recourse would be to resubmit the complaint. Given how long Chase has stolen my funds, this is a completely unacceptable response.
Product: Debt collection

I rented an apartment when I moved to XXXX while my house was being built. I had a full security deposit and paid my rent timely. The apartment repeatedly flooded while I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months. I left the place clean and they kept my deposit without any written notification. I complained about the water damage which they never addressed. I have pictures of the flooding and damage. I have pictures of the house that I left in good condition. I was never sent any written notification from them that they were keeping my deposit. I was never contacted in writing by anyone that they were trying to collect a debt. I only noticed that there was a problem when I got a notification on my credit report. I moved in XX/XX/XXXX and moved out XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. 

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. 

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. 

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. 

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. 

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an online offer for a XXXX. I read XXXX, or thought I did, as I would never have agreed to pay XXXX payments a XXXX of XXXX. As of XXXX I had made XXXX payments, XXXX, and stopped paying to investigate why they were saying I still owed over XXXX, I gave them XXXX on the XXXX XXXX charge, that's XXXX daily, their latest offer was for immediate payment of XXXX, with still over XXXX principal. How is XXXX XXXX interest even legal, I signed something XXXX but it wasn't the agreement I understood it to be. I can't afford XXXX a XXXX payments, I can XXXX a XXXX, but they will not agree to that, also how do I still owe so much. Also I have like XXXX days before they turn me over to XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank owed me rewards in the amount of {$160.00} per statement on XX/XX/18. 
Bank never paid the reward per their Terms and Conditions instead they " Ajusted merchandize XXXX NY '' per statement on XX/XX/18 and froze my account, nobody would talk to me until I appear to the branch. After my card was unblocked nobody could find the funds and my emails and voicemails to executive office never returned. I did not purchase anything in XXXX NY. The funds have vanished. Please view statement attached.
Product: Credit reporting or other personal consumer reports

I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Product: Credit card or prepaid card

On XX/XX/2018 I was alerted to fraud in connection to what turned out to be an authorized clone of my American Express Serve Card, resulting in two unauthorized and fraudulent charges in the amounts of {$100.00} at XXXX XXXX  Store XXXX on XXXX XXXX XXXX, XXXX XXXX and the other, {$90.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX and yet another in XXXX for a parking meter, in the amount of XXXX. 
I immediately contacted Amex Serve who told me they could only complete the dispute after the charges were out of pending. They also cancelled my subject card upon my request. 

On XX/XX/2018, the dispute department processed the fraudulent charges upon those charges released from pending status. 

On or about XX/XX/2018 I received, completed and submitted a Declaration of Fraud via email. 

Since then I have spent several hours calling and getting nothing but a run around from the dispute department located in some 3rd world country who only repeats keep an eye out for an email, the investigation is ongoing and we can not issue a credit. 'We have 45 days. 
They also have told me they do not have my money, that XXXX XXXX and XXXX XXXX do, get it from them. 

They have lied that they are actively investigating, evidenced by my conversation today from both XXXX XXXX and XXXX XXXX, that the Amex Serve dispute department has NOT submitted any dispute documents at all since the dispute was noted as received.

It is obvious that I am now being defrauded yet again, by American Express Serve Service as issued and run by American Express Travel Related Services Company , Inc . 

Today, XX/XX/18, I faxed letters to XXXX XXXX VP at American ExpressServe serviced and issued by American Express Travel Co Inc. and to the General  Counsel and CEO of Rite Aid, and faxed letter to XXXX XXXX Corporate. 

I contacted the XXXX precinct for direction on filing a report, and was advised to do this in NJ, where I reside. I will be filing that report in the township where it is believed the fraudulent clone took place. 

it appears that American Express SErve has no intention of doing anything to facilitate the return of my approximately {$200.00}. 

Also, the transaction dates showing on Amex Serve are false, all three fraudulent transactions occurred on XX/XX/2018. 



XXXX XXXX XXXX XXXX XXXX