23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS. 

I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX. 

I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations. 

Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination. 

Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment
Product: Debt collection

On XX/XX/2023 I was contacted by Crawley and Bergmann LLC with harassing calls about a debt I told them I wouldn't talk to them anymore and had to send it to me in writing they sent me a letter dated XX/XX/XXXX and I immediately replied to them asking for validation of the debt a copy of the signature and payment history to date I never received anything from them. On XX/XX/XXXX of 2023 I received a letter from XXXX XXXX XXXX XXXX Acknowledging a receipt of my letter disputing the account and requesting additional information, I responded to them on XX/XX/XXXX requesting the same information the original purchase agreement payment history and the application with the wet signature to date I never received anything from them. Approximately XX/XX/XXXX of 2023 they filed a negative collection on my credit report which I disputed XXXX times and they validated it XXXX times. 
On XX/XX/2023 I received a carbon copy of the XX/XX/XXXX letter stating that they were in receipt of my request for verification pursuant to XXXX XXXX XXXX g of the fair debt collection practice act however they still did not provide any documentation but only a summary of the debt. 
On XX/XX/2023 I received a letter from the law firm XXXX XXXX  XXXX XXXX claiming they were collecting for XXXX XXXX XXXX XXXX by filing a lawsuit in XXXX XXXX Colorado I immediately contacted the firm disputed the account and within 30 days they sent me validation of the debt but not the wet application they also upon my request filed a motion to administratively close the lawsuit. I've made multiple attempts to settle and have gotten nowhere to this point excet for the violations of my rights number one with them filing the information back in early XXXX or late XXXX on my credit report which has been injurious to my credit history and filing a lawsuit without the validation neither Cawley & Bergmann LLC, Paradigm or XXXX XXXX XXXX XXXX filed an answer within a reasonable. Time without taking further action and violation of my rights I further learned that paradigm asset recovery did not renew their collection license in Colorado which expired in XXXX of 2023 yet they continued and filed a lawsuit on XX/XX/XXXX through their attorney XXXX XXXX XXXX XXXX I followed all the procedures of the fare credit reporting act and disputing the account and asking for validation and expecting an answer within 30 days which was never received I disputed the errors on the credit report and they were validated by a collection agency that's no longer licensed in my state they filed a lawsuit on a disputed account without providing the validation even though they later made a motion to administratively closed still violating my rights. And in addition I've been irreparably harmed by credit decisions from other creditors in reducing, closing or modifying credit terms because of the disputed account on the credit report which wasn't validated until late XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error SPEC LOAN SV Account XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me its. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once wit their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. 
I've contacted Exerpain via certain mail three times over the last two years. Each time I contacted me they say they verifies as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 
I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collection from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Experian and XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my follow up complaint to the Experian, XXXX and XXXX Credit Bureaus with the assistance of CFPB. I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. Once more the ACCOUNTS in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the Experian, XXXX and XXXX Bureaus to remove these specified accounts below : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit card

YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. 
On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. 
After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. 
I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  and XX/XX/2020 I was late on payments on my Santandar loan due to covid and my decrease in hours. This showed a negative report on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card

JP MORGAN CHASE & CO, deliberately and intentionally closed my credit card account. However, according to JP MORGAN CHASE & CO 's XXXX form for the fiscal year that ended XX/XX/XXXX, XXXX file number XXXX filed with the Security and Exchange Commission ( SEC ) , in section Note 14 : Variable Interest Entities ( VIEs ) on page XXXX Significant Firm-sponsored variable interest entities, Credit card securitizations conspicuously states : XXXX Card Services business may securitize originated credit card loans, primarily through the Chase Issuance Trust ( the Trust XXXX XXXX The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. This in fact confirms it to be a trust relationship which I am the beneficiary of, but received no benefit. A forensic XXXX audit of the XXXX  corresponding to the application/account, can and will confirm that the asset backed security, in this case being the credit card application, also referred to as commercial/chattel paper, was purchased, sold, pooled, transferred, securitized, invested and reinvested on the primary and/or secondary markets in both the public and private sectors. As an investor of JP MORGAN CHASE & CO, I am due equitable compensation. This is a clear violation of the XXXX XXXX XXXX of XXXX. Regardless of the reason ( s ) of the account being closed, I have the right to credit and interest. Withholding my access to my securities is securities fraud, unjust enrichment, a violation of the Equal Credit Opportunity Act ( ECOA ), as well as the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement with the next XXXX ( XXXX ) days, I will have no other option than to pursue legal action for JP MORGAN CHASE & CO 's willful violations of the law.
Product: Credit reporting

Hi, My name is XXXX. I have a credit card with American Express ( XXXX ) In the month of XX/XX/XXXX my monthly statements were not received, and American Express reported my account delinquent. I contacted them and they agreed to remove the delinquency out as they had undeliverable address and the mail was returned to them. They faxed me credit verification release form which proves that the delinquency was corrected to never late. I keep faxing the letter to credit bureaus they remove the delinquency, but with the next month credit reporting cycle AmEx reports delinquency again. When I call them they assure me that it was removed and re-fax the letter but every month they keep reporting me late. Because of that issue I get my credit cards limits slashed, and even closed. I even got a car with a high interest rate because of bad credit. I keep calling the bureaus they tell me AmEx is the one furnishing the information, I call AmEx they assure me it was removed. Please help me with this matter, as I am stuck in between the credit bureaus and AmEx. 
Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of severe identity theft and fraud, tax fraud, financial fraud, thats been ongoing and law enforcement nor id shield is willing to help with past fraud to help me move forward in my life, i am mentally disabled need help with things like this being its taken a stressfull tol on my mental and physical health. My credit history goes as follows only negative issues in all my lifethay should be on my reports is 1 ) child support arrears i had and paid in full XXXX WHY STILL COLLECTING ON IT I DONT KNOW need documentation to show ORS that i paid this off please help with that id possible ; 2 ) XXXX XXXX XXXX XXXX XXXX XXXX in full long time ago ; 3 ) third district court fines i paid off in full awhile back ; XXXX XXXX, XXXX my identity was stolen, i had a credit score of about XXXX come XXXX XX/XX/XXXX my score plumetted to XXXX due to identity theft fraud i could not get into XXXX to check credit since then until recently now i am unable to get into experian account due to ongoing fraud transunion varies with access but that is due to security questions i dont know answers to because THE THIEVES STOLE MY IDENTITY AND I HAVE NO KNOWLEDGE OF WHAT AUTOMOBILE THEY PURCHASED OR WHAT LINE OF CREDIT THEY RECIEVED AND MONTHLY PAYMENTS ON MORTAGE LOANS NONE OF THIS IS ME! PLEASE HELP I CANT KNOW WHO TO TURN TO ANYMORE i have id shield services and smart score DONT INVESTIGATE PAST STUFF IM WILLING TO PRESS CHARGES ON THESE THIEVES TO HELP PROBLEMS WITH FRAUD IN MY COUNTRY
Product: Debt collection

The debt was submitted in XXXX XXXX by XXXX XXXX XXXX they were notified of a lawsuit in XXXX and court was set for XXXX. XX/XX/2023 judgement was ruled in my favor. Debt is not owed. FEDERAL CONSUMER VIOLATION
Product: Debt collection

Consumer Adjustment Co has placed a collection on my credit report after purchasing this fraudulent account from XXXX. I have already explained to XXXX and the credit bureaus that this account is not mine and is a result of Identity theft. I am once again attaching my police report to this complaint as proof that this account does not belong to me. Please remove this from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion an Identity theft affidavit and they have no removed the inquires from my report. Under federal law, Transunion has thirty ( 30 ) days to complete your investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). It's been almost 3 months.
Product: Credit reporting

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX. After not receiving a response, I sent my letter of concern to TransUnion addressing my concern. XXXX responded on after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Product: Credit reporting

XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.
Product: Student loan

My student loan servicer changed from XXXX to Aidvantage sometime in the past year. I logged on to my Aidvantage account at the beginning of XXXX to make a substantial payment only to discover that none of my payment history had been transferred during the transition, so none of the {$33000.00} of payments I had made since 2017 were being reflected on my account. I appealed to Aidvantage and they said they would have this resolved within 10 days. I submitted receipts of my payments and made 5 follow-up calls and emails. It is now XX/XX/XXXX and not only have they not resolved this or made good on ANY commitment ( including mailing me my payment history ), but I have discovered that my loan balance has INCREASED {$10000.00} due to an " adjustment, '' but I have not taken out any new loans in years. I have attempted to call several times and literally get a VOICEMAIL and zero response. Please help, as I have been swindled out of $ XXXX in payments and now have $ XXXX in debt that is being assigned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get USBank to correctly update and remove a paid off account from my report on all 3 bureaus. I have requested they remove the account and their own processes do not allow this. I simply need it removed entirely and they refuse to do so.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from XXXX. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( this includes furnished data through my consumer reports ), of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I advise XXXX to use proper methods of communication including certified mail. Also if Convergent is the third party debt collection agency, I advise them to stop using deceptive means by falsely representing XXXX on my consumer reports. Please refer to 15 USC 1692e ( 14 ) my credit report will validate this violation and suit will be brought forward. I wasn't made aware that the company furnished the information to my credit report in XXXX of XXXX but initial communication with me didn't begin until XXXX of XXXX. There are multiple violations to 15 USC 1692 ( g ) ( a ) ( 3-5 ). Also if the collection claims that an initial communication was sent prior to XXXX of XXXX, please include the certified mail tracking numbers and return receipt that such mail was indeed sent and delivered. Failure to do so will be represented as mail fraud which is a federal offense. Also according to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt does not convert to an admission of liability. Please again remove this information from my credit reports to avoid the further pursuit of legal litigations.
Product: Mortgage

When we completed the Covid forbearance program, we received paperwork dated XX/XX/2021, which states that my next regular monthly payment will be due on XX/XX/2021. My normal monthly payment is {$1300.00} ( this amount includes escrow ), and I made a payment of {$1500.00}. However, my {$1500.00} payment was applied to XXXX ( should have been XXXX ), so now my account is showing past due. I have called several times over the last free weeks and no one has been able to help me, and Ive been transferred around to multiple departments. I sent an email to XXXX, and I have not received a response. Ive been getting calls from their collections department trying to collect my late payment. I explained the situation to them and they are unable to fix the issue. So now I am being harassed by collections for this supposed late payment. This is unacceptable and needs to be fixed immediately.