23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced suicidal thoughts. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit card

I opened a Chase Freedom credit card in early XXXX. The credit card came with a 0 % APR offer that ended in XX/XX/XXXX. I set up auto pay for the statement balance like I do for all of my credit cards and was not initially planning to take advantage of the 0 % XXXX offer. 

I had a large expense charged to the credit card in XX/XX/XXXX. I was advertised a My Chase Plan that would divide the charges payments over any time frame I requested and if the plan was complete by the time my 0 % XXXX offer was over, I incurred no fees, so I decided to do it. My first issue is that in doing so, Chase changed my auto pay to the " Interest Savings Balance '' which is basically just the lesser of my minimum payment or my chase plan amount and the rest of the card doesn't get paid off. After realizing what happened, I decided to take advantage of the 0 % APR and allowed Chase to pay the near-minimum payments until the intro APR ended. 

On XX/XX/XXXX I received a statement with a XXXX balance and a message that said, " Your next AutoPayment for {$19000.00} will be deducted from your account and credited on your due date ( previous day if your due date falls on a Saturday ). Any payment or other credit posted to your account prior to your AutoPay payment being processed will be deducted from the AutoPaymenXXXX amount identified above. '' I called to confirm that my next auto payment would pay the full balance and a representative confirmed. The due date was XX/XX/XXXX. 

I moved the money required from a high yield savings account to the Chase checking account that is linked to my autopay a week ahead of time. Instead of the full statement balance, Chase 's autopay paid a different amount ( {$190.00} ), which was slightly higher than the minimum, with no explanation. 

On XX/XX/XXXX after seeing what had happened, I called Chase again to try to understand. They told me that since my intro APR had not expired until XX/XX/XXXX, the interest saving balance paid the minimum even though that is not what the statement said. They also said if I didn't immediately pay the full XX/XX/XXXX statement balance that had been generated after my XX/XX/XXXX payment, I would be charged interest on the new full balance. I tried to explain that that makes no sense as I've never heard of a credit card charging interest on a balance before a bill is due. 

My main complaint is that Chase 's My Chase Plan and the way they handle auto-payments is predatory and makes it so that even a person like me who has called several times and had autopay turned on to avoid interest charges will ultimately pay them. In addition, their statements contains messaging that is plainly false. The bank has no customer service ability to deal with these issues since most of the people I spoke with don't understand how credit card interest works and gave me conflicting information about what would or would not result in interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized some information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information without producing proof within the legal time range is unacceptable. 
XXXX XXXX XXXX XXXX Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate, unverified fraudulent information to my consumer report and its hurting me physically and mentally. I'm stressed that I cant get a job because of this inaccurate information on my consumer profile. As you see, XXXX is not reporting this account late, but Experian is. This is inaccurate information and I demand the late fee removed. If the late fee isnt removed, you are in violation, and I will bring charges up to {$5000.00}. Remove the late payments as its inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to Experian on multiple occasions. I have asked them to remove/delete the outdated tradelines that they are still reporting on my credit report. I have advised them that the tradelines were remove by the other bureaus due top the accounts being OUTDATED AND OUT OF THE STATUED OF LIMITATIONS TO REPORT. 


XXXX- outdated XXXX XXXX- outdated XXXX XXXX XXXX outdated XXXX XXXX outdated XXXX XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt claim made by XXXX XXXX XXXX  regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681 17 u have to prove to me these account are mine. They should not be reporting because i have no knowledge of them so it shouldnt be verified please remove this immediately before i take further action. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an XXXX account that I used to be able to link to my PNC account for savings purposes. Sometime in the recent past PNC instuted changes that make it impossible to link my account anymore. I have lost a great convenience to my savings program due to this action. I would like them to re establish the link.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Franklin American mortgage is reporting my account as late 120 days or foreclosed, depending on which credit report you look at. We actually had a buyer for our home, but Franklin American would never give us the payoff amount or call us back. Their incompetence caused u s to lose our buyer. The foreclosure was improper and is now being misreported.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint and request assistance with the removal of an inaccurate account from my credit report. The account in question is being reported by XXXX XXXX and I have attached supporting documentation from the creditor to substantiate my claim. 

I have taken the necessary steps to address this issue with the creditor directly, but they have failed to correct the inaccurate reporting on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), I am seeking your intervention to rectify this matter and ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and transunion has violated FCRA laws and held negative reporting information that doesn't belong to me against me. They have also locked me out of seeing my credit report on their website in which it states that my credit report can not be accessed online and that I have to contact transunion. Why can't I access my report online as the answer to that is that they are hiding my report to conceal their illegal activities that they are reporting. Please see the enclosed documentation.
Product: Checking or savings account

XX/XX/23 - XXXX pm XXXX received an email Wells Fargo was closing our account. Stated " the business decision has been made to end our relationship ''. 
XX/XX/23 - XXXX am PST learned that Wells Fargo had closed all our accounts ( XXXX savings, XXXX checking, XXXX credit card, XXXX loan and XXXX IRA ) all accounts were on a hard freeze without explanation - XXXX am we met with our local Personal Banker, XXXX XXXX XXXX XXXX. She was unable to get an explanation from anyone at Wells Fargo as to why they froze our accounts and ended their relationship with us. 
- From XXXX am - XXXX pm that day, we attempted to be escalated to the highest dept. within the Fraud Department and the Customer Advocacy Department. All anyone would tell us was that the bank made the decision and there was not reason why. At this point, we hired an Attorney to look into our criminal record, banking records and credit report to see if there was any red flag our fraud. Our Attorney found nothing. 
XX/XX/23 - XXXX am, met with our local XXXX XXXX, XXXX XXXX XXXX XXXX. WF released {$2800.00} of our assets to us, but made us accept cash. There was still not explanation as to why this is happening. 
XX/XX/23 - Received a call from the Wells Fargo Fraud Department, they still will only say they ended their relationship with us. No explanation given, our funds are still frozen.
Product: Payday loan, title loan, or personal loan

Speedy Cash has tried to debit my checking account for XXXX and due to COVID 19 I  am not receiving any income or paycheck at this time. They have also reported me to the credit bureaus and has made my credit score drop. I don't have any income right now and can't pay them back currently.
Product: Money transfer, virtual currency, or money service

I was scammed by a PayPal seller. They claimed to be selling tickets to a concert. When I paid for the tickets, they blocked me from contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX  days late payments on my credit report. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are this account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX  credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I the ( consumer ) contacted Equifax consumer reporting Agency in regards to inaccurate information found on the consumer report addresses, names, employment, and inaccurate account reports. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) consumer reporting agency must have permissible purpose in which they don't have written instruction to make a consumer report by the consumer. I want Equifax to delete all inaccurate information there's also inquires that I didn't benefit from or have any knowledge of whereas no consumer credit transaction was made reporting on the consumer report as well. Delete all inaccurate reports/ accounts within the next 14 days please it is your grave responsibilities to protect the consumer right to privacy. Thank you!
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ==========Equifax  : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1100.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

the statue of limitations has expired for XXXX XXXX account number XXXX and XXXX XXXX XXXXXXXX. The statue is XXXX years in texas where I live and its been over four years. This is a violation of my rights.
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/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX
Product: Credit reporting

XXXX has gained access to my credit when I nolonger have account with them in fact my account was sold and has a XXXX bal the account was opened in XXXX and they say it was open in XXXX because the debt was re aged this is no legal you do n't need to take my word for it you can just look at the way it was report on XXXX XXXX bal and closed opned in XXXX orinal date it was past do for the first time XXXX this account is out of date and can nolonger be reported Experian is sharing my information with this company who has no right to my credit file
Product: Mortgage

I received a Loan Modification Agreement during the month of XX/XX/2023 that was damaged and not legible due to the documents being delivered during a rain storm and placed in an uncovered area of my home instead of inside the storm door that is never locked or another weather protected area. I contacted Lost Mitigation several times to request another Modification Agreement and was told that another would be sent in about 12 days and the due date to return the signed documents would be adjusted, when I did not receive the documents I contacted Lost Mitigation again and again to send these documents and was told that instead of contacting them every week I was told to wait about 30 days while there was being a review ( I was told that all these calls were being recorded and I have also maintained a record of these calls if dates/times are needed ) I waited the 30 days as told and contacted Lost Mitigation again and was told that there was a review still being conducted. I did not hear anything from Lost Mitigation until XXXX when I was told by the associate that there is a new Modification Agreement being sent to me with new monthly payment amounts higher than the damaged Modification Agreement that I originally requested for my review and signature, the associate then told me that I MUST accept the terms over the phone in order for the document to be sent to me. I received the documents XX/XX/2023 which are dated XX/XX/2023 and given 30 days from the date on the documents to be returned. I have been compliant with every thing that was requested of me from filling out documents requesting assistance, explaining my situation, constantly sending the same documents over and over again because allegedly one or two of many documents were not received, I ask that someone please investigate this situation and please contact me via phone, email, postal mail. In closing I would like to say that I am a U S Army Combat Veteran XXXX XXXX XXXX / XXXX XXXX and understand following orders and instructions which is what I have done since submitting my Hardship Application, rather than assist and/or help me in this situation Lost Mitigation is making my situation more of a hardship, I could at least see on the damaged document that the monthly payment although higher than my original monthly payment would be less stressful to make financially and I ask that the Modification Agreement sent to me prior to XXXX be instated. I have more information regarding how this company has been handling my situation after applying for a hardship.