23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been working with Equifax for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
Product: Credit reporting or other personal consumer reports

My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote XXXX letters indicating the dates XXXX payments were denied. XXXX was for XXXX XXXX XXXX  on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX  XXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only XXXX times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.
Product: Debt collection

Supposedly I received a loan from  XXXX  that went to a bank account that my husband, who was an   XXXX   military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a   XXXX   XXXX   open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day  1 the  loan payments came back as NSF but that account had already been closed.   I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with  XXXX  just to get these debt  collectors  off my credit report but somehow they responded. I need your help!
Product: Vehicle loan or lease

I have requested that pnc bank send me all documents pertaining to a car I had with them. I sent multiple letters, made multiple calls, and even faxed over a request to a department that never confirmed if they received my personal information because I cant call or speak to anyone from that department. This gas been very frustrating trying to get all the documents and information I have requested from them.
Product: Payday loan, title loan, or personal loan

got a notice online Via email saying the application for credit service dined happened XX/XX/2020. through Power Finance Texas have no knowledge about any applications been having issues with this Power Finance Texas ask them to send proof Via mail so I can verify it was some os was fraud they came back and need to file a report before they can release information with Law enforcement sound like the are protecting the criminal, not the consumer
Product: Credit card or prepaid card

Hi so I called Citi Costco and tried to fix the problem and couldn't get any results on XX/XX/2021 I applied for a Citi Costco card and got declined and was sent a decline application letter I know that I am the original creditor and that I can not be declined credit adverse action is for the denial of employment and insurance
Product: Debt collection

Days after filing a dispute with this financial institution I'm now being hurassed, repeat phone calls and I have received a letter in the mail.
Product: Debt collection

I have tried calling the collection agency trying to get some things on my credit fixed and twice a rep. by the name of XXXX answered and was extremely unprofessional, rude, combative and bad tempered. I tried asking her some questions but she wouldn't let me speak and she would just respond with she doesn't have to let me speak, so I asked for a supervisor and she refused she said there isn't a supervisor and hung up on me. I have repeatedly tried to get more information on these bills and I get absolutely no where. Butte County Credit Bureau is a HORRIBLE company, treating people so poorly and disrespectfully is not OK in anyway shape or form.
Product: Mortgage

This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.
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 XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with 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. 
XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} SAFE XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$860.00}
Product: Mortgage

During the sales call, the rep talked about terms of the loan and said that I needed to pay {$500.00} and that it would be applied to closing costs to start the process. First, they never did get the terms correct as promised in the disclosures. I called and called with very slow responses. Said they would fix the problem but they never did. The " application fee '' showed up and they said it would be removed at closing. I said no, I want it removed now. They never did that. They were extremely incompetent or trying to deceive me. 

I went to another broker because of all the problems. I asked for my appraisal to be transferred and they said I needed to pay {$570.00}. I told them that I paid them {$500.00} already and they said that wasn't part of that even though the sales rep said otherwise. They supposedly record all calls so you should be able to verify the very deceptive language the sales rep uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate 30 day late payment marked with grain technology for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Product: Debt collection

Over the past few months, I have reviewed my credit reports and notice XXXX entries on them from Ad Astra Recovery. I have reached out to them several times demanding documentation ( application, proof of identity, signature pages, etc ... ). No documentation has been received, but yet the entries are still on my credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally report an incident of identity theft involving JPMorgan Chase Bank ( Chase ) and to express my concerns regarding their inadequate response to this matter. 

Description of the Incident : On XX/XX/year>, I received a notification that a hard credit inquiry was made on my credit report by JPMCB ( Chase ) for a credit card application that I did not initiate or authorize. This unauthorized inquiry has negatively impacted my credit score and raises serious concerns about potential identity theft.

Actions Taken : Immediately upon discovering this unauthorized activity, I contacted Chase to request detailed information and assistance in resolving the issue. Unfortunately, Chase has not provided the necessary documentation or support to help me investigate and address this matter. Their inability to assist is unacceptable, especially given the severity of identity theft and its consequences.

Legal Demands and Justifications : Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt correction or deletion of such information. Chase 's failure to address the unauthorized inquiry violates these provisions.

Identity Theft Regulations : Financial institutions are required to have protocols in place to prevent identity theft and to assist consumers when such incidents occur. Chase 's lack of cooperation hinders my ability to mitigate potential damages resulting from identity theft.

Urgent Request for Resolution : Immediate Investigation : I request that Chase conducts a thorough investigation into the unauthorized credit inquiry and provides me with all relevant information, including the application details and any associated documentation.

Removal of Unauthorized Inquiry : I demand the immediate removal of the unauthorized hard inquiry from my credit report to prevent further negative impact on my credit score.

Enhanced Security Measures : Chase should review and strengthen their security measures to prevent such incidents from occurring in the future.

Compliance with Legal Obligations : Chase must comply with all applicable laws and regulations regarding consumer rights and identity theft prevention.

Reasons for Immediate Action : Prevent Further Damage : Time is of the essence in identity theft cases to prevent additional fraudulent activities that could harm my financial standing. 

Legal Compliance : Prompt action is required to ensure compliance with federal laws designed to protect consumers. 

Consumer Trust : As a leading financial institution, Chase has a responsibility to uphold consumer trust by effectively addressing and resolving such serious issues. 

Conclusion : I urge the Consumer Financial Protection Bureau to intervene on my behalf to ensure that this matter is resolved promptly and appropriately. I am prepared to provide any additional information necessary to facilitate this process. 

Thank you for your immediate attention to this urgent matter.
Product: Mortgage

Initially on XX/XX/XXXX sent documentation to company for modification of my loan all documents requested were sent how ever there was always something more requested each time i would get another person on the phone who would tell me different things every time a document was sent that was requested i was told that it took at least 5 days to verify receipt.on XX/XX/XXXX the modification processed was closed to me for not having certain documents sent eventually spoke with a supervisor who show there error and the remod was reopened on or about XX/XX/XXXX .this same situation continued to occur it seem as though a systematic way to deny me access to even be reviewed for a modification because even this time it never went to under writing for a decision to be made.I have had to file Bankruptcy just to keep my home and this lender has refused my rights to be considered a modification please help.
Product: Debt collection

Yesterday, XX/XX/year>, I got a notification that something was added to my credit reports. When I checked XXXX, Spring Oaks Capital LLC has put the collection, that I have previously reported to CFPB and FTC for fraud, back on my credit report. I want this collection removed. 
Per 15 USC 1692, this company can not pursue this since I did not sign anything with them, nor do they have my signature on the XXXX XXXX XXXX.
Product: Debt collection

Below is the email sen to me after I told them the business is closed and the corporation is dissolved. 


Account ID # XXXX Company Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OR XXXX XXXX XXXX  : XXXX XXXX XXXX  BAL DUE : {$5600.00} Court Cost : {$200.00} Attorney Fees XXXX XXXX XXXX  of Principal Balance To date you have failed to pay the outstanding balance owed to our client. It will be our recommendation that all legal remedies available to recover this balance be explored. 



Our client will be made aware that with a judgment on this account, we can subpoena the debtors records which can include checking accounts and tax records. This is done to locate possible hidden or unreported profits. 



Also, after judgment has been attained and assets have been verified, we can file to seize debtors bank accounts, inventory, accounts receivable, real properties, etc. We would work with legal counsel in debtors area who can pursue this matter without delay. Legal counsel may also petition to have attorney fees added to this claim. 



To avoid further action, Please contact this office to make the necessary arrangements to pay this claim. 



You can also make arrangements to satisfy this debt in full by contacting me directly using the below listed contact information, or should you choose you can also submit payment by clicking here XXXX XXXX XXXX XXXX and referencing your Acct ID # listed in the heading of this notification. 



Best Regards, XXXX XXXX XXXX XXXX XXXX  XXXX Direct # ( XXXX ) XXXX Fax # ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2021 and XX/XX/2021 there are XXXX inquiries on my credit report made while mortgage comparison shopping. Per rule, this should only show as XXXX XXXXt inquiry on my report. I initiated the eventual mortgage on XX/XX/2021 ( properly shown on my report ). I tried to initiate on online dispute with Equifax to resolve this. They came back the next day saying " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' Which is true, but non-responsive to the actual issue at hand. 

I then tried a phone call directly to Equifax, and after the excessive wait on hold, was subjected to an agent unable to deviate from his script. I may as well have been speaking XXXX. He asked me to hold for a supervisor then disconnected me. 

That brings us to this complaint. Equifax needs to follow Federal law regarding mortgage shopping and remove four redundant inquiries.
Product: Debt collection

I receive multiple phone calls every single day that are robo / recorded messages and I am unable to tell them to stop calling me or remove me from their list. I have already attempted to place myself on a no call list, but if I am on it I am not being respected. These calls often spoof area codes similar to mine even though I do not live in that area code anymore, so I know they're fake. Another one that is common is " Credence '' with an XXXX, Tx area code.
Product: Credit reporting or other personal consumer reports

HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.
Product: Debt collection

In early XXXX I was illegally evicted from my apartment, serviced by the electric provider XXXX, due to a large-scale, unannounced construction project that rendered the unit unlivable while I was away on business. I settled with my landlord outside of court, was released from my leasing contract, and moved out in XXXX XXXX. Despite no longer living at the property, the property XXXX kept the XXXX electricity account in my name until a new tenant was found. This led to charges for electricity usagepresumably for powering construction equipmentbeing billed to me. 

I initially disputed this debt with " XXXX XXXX XXXX, '' which reported the account to my credit reports without conducting a thorough investigation. The CFPB resolved this matter in my favor ( Case # XXXX ), and the debt was removed from my credit reports. 

However, in late XXXX Penn Credit Corporation attempted to collect the same {$190.00} debt. I filed a second CFPB complaint ( Case # XXXX ), after which Penn Credit Corporation XXXX XXXX claiming to have sent a deletion notification to the credit bureaus. Despite this assertion, no such deletion has been reflected on my credit reports. 

Additionally, their response states that the original creditor ( XXXX ) considers the debt valid and has no record of my dispute. This claim conflicts with the timeline of my eviction, the termination of my lease, and the previous resolution in my favor. Penn Credit Corporation further indicated their willingness to provide verification of the debt but has yet to address why this debtalready resolved through the XXXX still being pursued. 

This ongoing issue has caused unnecessary stress and financial harm. I intend to join the military rather soon and could be adversely selected against in the clearance process if Penn Credit Corporation continues to pursue this wrongfully asserted debt.
Product: Credit card or prepaid card

1.Did n't renew my BJ 's Club for XXXX due XXXX concerns. Assumed BJ 's PERKS MC, # ending in XXXX, was also terminated. 
2. This card was also used to renew our annual subscription to XXXX ( i.e. TICKETS, XXXX XXXX ). No renewals were made in XXXX & XXXX due XXXX  SHUTDOWNS. 
The renewals were confirmed via email. 
3. In XXXX of XXXX, XXXX charged our thought to be terminated MC for {$40.00}, & failed to notify us. When we received the XXXX statement we immediately called XXXX to inform we were no longer interested continuing our subscription, because : 3.1 We purchased a Fall-Spring occupancy home in Florida & could go to XXXX during these times ; & 3.2 I am XXXX XXXX XXXX & can no longer XXXX from XXXX XXXXXXXX, NY into XXXX. 
4. Numerous calls to XXXX went nun answered, so we asked to BJ 's Perks MC to reverse the UNAUTHORIZED CHARGE of {$40.00}, contact XXXX to reverse it. 
5.They said the would, but didn't. We were finally able to leave a message at XXXX, but no one called. Interest & were added. The account was taken over by Capital One, & in spite 5 or 6 calls have yet properly correct problem ( i.e. # -- XXXX ) with FEES & interest up to {$150.00} in the last statement. 
6. We were finally able to reach XXXX CustomerService on-line. I believe they would reverse the charge if they could, but may not be able to unless CAPITAL ONE contacts them. 
7. We have NOT tried to use the services provided by XXXX since XXXX!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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.

I filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXXXXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX on XX/XX/XXXX. 
2. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} 3. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} 4. 5 student loan accounts opened at DEPT OF EDXXXX  on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
5. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at NISSAN MOTOR ACCEPTANCE on XX/XX/XXXX for {$11000.00} 7. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} 8. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} 9. a credit card opened at XXXX XXXX XXXX XXXX XX/XX/XXXX for {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports 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.