23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam, I am filing a formal complaint against Chase Card Services concerning the handling of my credit card account ending in XXXX. After a clear agreement on the full payment and closure of my account, I have faced ongoing issues that have severely impacted my financial standing and credit score. 

Background : In XX/XX/year>, I contacted Chase to confirm the payoff amount for my XXXX XXXX credit card, which had a balance of just over {$19000.00}. The Chase representative confirmed that this amount would fully settle the account. Trusting this information, I completed the payment. However, I later discovered that residual interest was still accruing on the account, which was not disclosed during my payoff inquiry. This oversight led to unexpected defaults and late fees accumulating from XXXX to XX/XX/year>. 

Impact : The incorrect handling and misinformation regarding my account closure have led to substantial late fees and derogatory credit reporting. My credit score has drastically fallen to XXXX, directly influencing the interest rate of my adjustable-rate mortgage, increasing my monthly payments by $ XXXX situation that jeopardizes my home ownership. 

Communication Issues : I have encountered significant communication barriers with Chase representatives, primarily overseas, which has led to further misunderstandings and mismanagement of my account. It often required extensive wait times and multiple transfers to connect with a representative who understood my concerns, only to find that my initial payoff had not been handled as promised. 

Request for Action : I urge the Consumer Financial Protection Bureau to intervene and facilitate the removal of all derogatory marks related to this incident from my credit report and ensure that Chase rectifies the mismanagement of my account. Additionally, I seek confirmation that Chase will review their communication and account management practices to prevent such occurrences in the future. 

Given the severity of the impact on my financial health and the potential for home loss, I am also notifying the Attorney General of Michigan of this situation. I am prepared to take further legal action if necessary but hope for a swift resolution with your assistance. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and support in resolving these issues. 

Sincerely, XXXX XXXX
Product: Mortgage

I refinanced my home with Quicken loans, VA financing. I had cash back to pay off credit card debt. XXXX check in the amount of {$4.00}, XXXX was made out to XXXX XXXX. I took the check to the XXXX XXXX, ID store and paid the bill at the customer service counter. We received a letter in the mail today informing us that Quicken loans recalled the check for unknown reasons. I am paying for this loan ; I work XXXX hours per week and my wife is on Social Security. I can not afford to ignore {$4500.00}! My mortgage is {$680.00} per month and I am considering not making a mortgage payment until my money is returned with along with a written apology letter! By the way, I have a {$25.00} service charge to pay XXXX due to Quicken XXXX up once again! Not to mention he fact that it took us 7 months to complete a VA refi with Quicken ( actually they should be called Slowen loans ) and we just closed on the loan less than 30 days ago! Then their check bounces? Give me a low grade break already! I have had nothing but problems from Quicken loans, I 'm a Veteran and I 'm not going to take it anymore. I plan to file a complaint with anyone who will listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get verification of these fraudulent accounts from XXXX, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. Commonwealth Financial acct # XXXX. XXXX XXXX XXXX XXXX/XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by XXXX.
Product: Checking or savings account

Someone took money out of my account and stole my money. I didn't authorize these transactions and someone took my wallet and money and stole my monies without my permission. I had to replace my driver 's license and social security card and also I seen transactions in New York and I wasn't there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX have 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 an account without my written instructions
Product: Debt collection

Portfolio Recovery Associates illegally filed a lawsuit against me to collect an alleged unproven debt. I never received any correspondence by mail, email, or phone about this debt before they filed suit. I didn't know about the lawsuit until I received an offer from a lawyer to represent me in the lawsuit. PRA filed the suit on XX/XX/XXXX for the amount {$2600.00} and my first and only phone conversation with them was on XX/XX/XXXX from someone attempting to set up a payment plan on this unsubstantiated debt. I repeatedly asked to speak with the litigation department and the woman claimed to be from the collection/litigation department and I told her I have never received any notice or phone call before this. I also told her I was very confused and upset because I didn't know about this debt and wanted to speak with someone. She offered to send me an application for their hardship program. I was a victim of identity theft in XXXX, which she claimed the debt is from. In my answer to the lawsuit, I requested that PRA validate this debt, that they in fact own the debt, to prove my identity, and the alleged amount because the documents they attached to the petition/complaint looked to be copies from the internet with no real proof of the debt. There has been no response to that request. I have since filed a motion to dismiss and compel arbitration and have not heard anything from them. My court date is XX/XX/XXXX.
Product: Student loan

I have been a victim of identity theft and this has a balance of XXXX that Im not responsible for. A civil suit will be filed if items arent removed quickly. Im
Product: Credit reporting or other personal consumer reports

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report. with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report.

- 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Product: Debt collection

National Recovery Agency was contact on XX/XX/year>. The erroneous account was paid, the creditor indicated that the account would be balanced XXXX, and the deletions verification was forwarded to XXXX. The account is still listed in the processing as my Account.
Product: Mortgage

I received a loan estimate with NFCU on XX/XX/21 that had escrow included. I was not interested in that option so I sent an email on XX/XX/XXXX inquiring about that situation, and to remove it now, instead of later. I was reassured on numerous occasions that I had satisfied all prerequisites to have it removed, and that it would be corrected, but I'd have to wait until they send my closing disclosure to see that update. They pushed through the underwriting, conditional, and final approval, so my account when into closing on XX/XX/XXXX. My loan advisor most recently has advised to the settlement processor on XXXX that the escrows would need to remain. I was not told why. I feel I have been mislead and entrapped. My closing date is on XX/XX/XXXX.
Product: Debt collection

Creditor : XXXX XXXX ( Debt Collector IC Systems, Inc. ) Reported Date Opened : XXXX. 
Actual Date Opened : XXXX Invalid Debt Amount : {$3900.00} The debt in question pertains to XXXX XXXX XXXX  equipment that I returned in XX/XX/XXXX upon moving from my apartment as my new address was not zoned for XXXX XXXX XXXX XXXX Despite this, a debt associated with this account is being reported as opened in XXXX. 

The account is inaccurately listed as opened in XXXX, whereas it was originally established in XXXX. 

I have contacted XXXX XXXX XXXX multiple times to request the removal of this debt and to assist in locating the returned equipment as well as correcting the account opening date. Unfortunately, they have refused to provide the necessary documentation and have not updated the account information as requested. 

Over the years, the interactions with XXXX XXXX XXXX have been unproductive, with representatives refusing to provide necessary documentation or update the account information. Working with XXXX XXXX XXXX has been challenging, and no one has been helpful in investigating this matter. 

This inaccurate information is adversely affecting my creditworthiness and causing undue stress. I kindly request the CFPB 's assistance in investigating this matter and facilitating the correction of my credit report. ( Removal of the invalid debt associated with XXXX XXXX XXXX ) Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is aimed at the three credit bureaus ( Equifax, XXXX, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dispute of Credit Reporting Practices Section 1681o FCRA Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the credit reporting practices and failure to comply with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, related to negligence in reporting accurate information. I have reason to believe that your company has failed to fulfill its obligations as a consumer reporting agency ( CRA ), and as a result, I am requesting immediate action to remedy the situation. 

Specific Allegations : Failure to Provide Accurate Information : As per FCRA Section 1681o, a consumer reporting agency is liable for negligence in failing to maintain or report accurate credit information. I have discovered discrepancies and inaccuracies in my credit report, which I believe your company has failed to rectify in a timely manner despite prior notifications of these issues. 
Negligent Reporting Practices : It is my understanding that your company is required to follow reasonable procedures to ensure the accuracy and completeness of the information in my credit file. However, the data you have provided contains inaccuracies that are not only misleading but also damaging to my creditworthiness. 
Failure to Investigate Disputes Promptly : I previously submitted a dispute regarding the erroneous information, but I believe your investigation into the matter was insufficient, delayed, or outright ignored, which constitutes negligence under Section 1681o. The failure to conduct a thorough investigation has caused ongoing harm to my financial reputation. 
Request for Resolution : I respectfully request that you take the following actions in accordance with the FCRA : Immediate Correction of Inaccurate Information : Please update or remove the erroneous items from my credit report, as I believe they are inaccurate, misleading, or incomplete. 
Written Confirmation : Upon resolution, kindly provide written confirmation that these inaccuracies have been corrected and that my credit report has been updated accordingly. 
Failure to Comply Notice : If your investigation determines that these discrepancies can not be corrected or resolved, I require a full explanation as to why your organization has failed to meet the standards outlined in Section 1681o of the FCRA, which holds parties responsible for negligent reporting and failure to act. 
Please note that under the provisions of Section 1681o of the FCRA, I may be entitled to seek civil damages as a result of your companys negligence, including actual damages, statutory damages, and attorneys fees if this matter is not resolved in a timely manner. 

I expect to receive a response to this dispute within 30 days as required by the FCRA. If you need any additional documentation or further information, please feel free to contact me via email XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to remove inaccurate and unverified information from my credit report despite multiple dispute letters. They continue to report this information without proper verification, violating the Fair Credit Reporting Act ( FCRA ). Additionally, Equifax is currently facing a lawsuit for similar violations. I request the immediate removal of all unverified information from my credit report. 

XXXX : XXXX : {$8800.00}
Product: Debt collection

I have contacted XXXX to dispute this account that Quality Recovery Services is reporting on my credit file. XXXX stated that Quality Recovery Service stated that they verified the debt. How could Quality Recovery Service verify a debt that do not belong to me. I have notified XXXX and Quality Recovery Service that this debt was a result of identity theft and they have not removed this account from my credit file. I have trying to be patient about the situation but it seems as they are intentionally violating the FCRA. I need your help in getting this matter resolved quickly.
Product: Mortgage

We were on a 3 month plan to pay the last payment of {$2100.00} to XXXX XXXX XXXX XXXX on XX/XX/2021. Approx the middle of XXXX, we received a phone call from XXXX XXXX telling us they were transferring our loan. We didn't understand at the time nor did we accept the offer. We called XXXX XXXX and no one would give us answers or explained why they were transferring our information to a 3rd party. XX/XX/XXXX we received a letter from a different Servicer stating we must now start paying them on XXXX, 2021. We called XXXX XXXX to inform them and they stated our loan has been transferred. XXXX XXXX, 2021 we received a letter stating we owe the new Servicer. We called Midland Mortgage on XXXX XXXX, 2021 spoke with the receptionist XXXX ( XXXX ) asking her to please send Validation of this new contract, she said she not allowed to send anything. We asked her to please give us the information to the financing officer, she said she wasn't allowed and transferred our call to her Supervisor XXXX ( XXXX ). We asked XXXX to produced the contract that we signed with Midland Mortgage he stated he can only send the payoff sheet, then transferred our call to XXXX the Manager, whom we asked to send the contract that we have with Midland Mortgage and she said she couldn't because they bought the contract from XXXX XXXX who sold it to them in XX/XX/2021. This is a completed violation of the FDCPA 15 USC 1692, as a consumer and the original creditor also violation of 15 USC 1692g when the Midland Mortgage Corporation would not validate an original contract between us and Midland Mortgage Corp. They're also in violation of 15 USC 1692f ( 6 ) and 15 USC 1692d by using unfair practices, sending us a delinquent notice and threatening us that if we do not pay on this alleged loan we will lose or home and entitlement to my VA home loan guaranty, dated XXXX, 2021. When calling Midland we were yelled at assumed to be lying when we had our authorized representative speak on our behalf, which is also violation of 15 USC 1692d ( 1 ) ( 2 ). They are also in violation 15 USC 1692e, 15 USC 1692b, 15 USC 1692b ( 2 ) sending written communication ( violation of 15 USC 1692c ) claiming I owe an allege debt to their company. As the natural consumer 15 USC 1692a, and original creditor 15 USC 1692 there is no debt owed because the we extended the credit, it was sold without our consent or signature on a contract between Midland Corp and ourselves. They were not authorized to use our credit violation of 15 USC 1692p Unauthorized Use of credit. My wife and I our stressed, anxious, nervous lately on edge and in fear of losing all we have and worked hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian in regard to an identity theft case. I was hung up on by a rep named XXXX. I kindly requested for the hard inquiries on my account that have no written consent to be furnished on my account.
Product: Debt collection

I have never owned this account. About this account, I know nothing. With this account, I never entered into any agreement. Since this is not my account, I shouldn't be held responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 XXXXXXXX