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

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Ability Recovery Services, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, XXXX, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by Ability Recovery Service with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from Ability Recovery Service, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my free XXXX XXXX XXXX. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to consider the information I provide to them showing the payment of my account to XXXX XXXX XXXX as XX/XX/2019 they are reporting inaccurate credit information for over 60 days and are failing to conduct an investigation. The account has never been investigated and the company who owns the debt has never been contacted all are violations of FCRA this account has gone unverified on over two rounds of disputes by law it must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to their failure to accurately report the status of a closed and charged-off account on my credit report. Despite multiple disputes and direct communications with XXXX, the account continues to appear on my credit report inaccurately. 

This ongoing issue has severely impacted my credit score and financial well-being. The charge-off status is particularly detrimental and unjustified, as I have provided XXXX with all necessary documentation to prove the inaccuracy, yet they continue to verify the erroneous information. 

I am seeking the CFPBs assistance to investigate this matter and require XXXX to remove this closed and charged-off account from my credit report within 7 days. Your prompt intervention is highly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California, XXXX ] [ XXXX ] XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666i-1 ( a ) Opt-In Requirement for Over-Limit Fees A credit card issuer can not impose an over-limit fee unless the cardholder has expressly opted in to allow transactions that exceed their credit limit. 
The opt-in must be a separate agreement, and cardholders must be given clear disclosures of the terms.
Product: Student loan

I have just checked my credit history and saw the following negative impact on my report. Both were in red. Please explain why the balance has increased when I have not received a loan since XXXX. The information came from XXXX stating there has been an increase in debt reported to Navient. I have reached out to them in the past only to be dismissed by a representative saying the report provided was not credible. 
XXXX XXXX XXXX/NAVIENT Balance Increased by {$5300.00} XXXX XXXX XXXX/NAVIENT +Balance Increased by {$3400.00} Updated Account Information
Product: Checking or savings account

I called chime XXXX XXXX about someone creating a cashapp with my information and stealing almost XXXX $ they got smart and said I can file a dispute but it may not go through I stated want you guys investigate this claim someone stole my information and took my money from chime bank that I have an account with the agent brushed it off and continue to start the claim 12 hours later the dispute was denied I believe chime is stealing people information and taken they money there is no way out of all my years on earth a dispute goes by that fast no investigation happen they promised me a temporary credit said I was eligible until they complete the claim I never received my temporary credit I have over 200 people with the same story chime is stealing from people I would like my money back Ive filed 2 disputes and both was denied under 12 hours how does that work no other bank does this but chime I really want to petition to shut chime down they are literally stealing from people and nothing is being done at all Im now homeless because someone stole my money and chime want do anything about it I have a XXXX XXXX that needs his milk diapers etc and chime just literally spit in my face and laughed it off I stated Ill be contacting you guys they said theres nothing can be done Ill need hard proof lol what kinda bank is this something needs to be done when I get my money I will be closing this chime account this isnt how you treat people all my direct deposit go here Ive never had cash app not one transaction on my account to cash app since Ive had chime for almost 2 years
Product: Credit card or prepaid card

I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.
Product: Debt collection

I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
Product: Credit card or prepaid card

I called them again stating that I'm not able to make the payment and they hung up on me twice This is ridiculous. I need to open a legal case against them because they put me on a payment plan without my consent and now they don't want to provide assistance They wrongly put me in a payment plan The second representative was XXXX or so I don't remember the name of the first lady, but they had an attitude while in the phone I can make the payment on the XXXX, I will do it on the XXXX Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was reviewing my consumer report and noticed a lot of inquiries on my profile. I have not applied for nor have I done business with any of the following companies : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My home mortgage is with Chase Bank. Beginning about XX/XX/2018 Chase Bank began to show the date of the latest consumer payment in the top right corner of mailed statement. I like using the Chase app to schedule my payment every month on their website. I schedule the payment for the 1st ;  if it is a holiday - I scheduled it for the day prior. I schedule the Chase payment during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage. However, I just noticed the other day that, in small print on the monthly mortgage statement, it states what date they received a payment. On my statements, there are many received payment dates of the XXXX and of the XXXX. They are not posting correctly ; all were scheduled for the first of the month ; or the day prior if the first is a holiday. And, each month, it is a Chase Bank App that I schedule on. I still have all the composition books I used during the last few years. I am simply asking for the data ( of when Chase received by " checks '' over their database ) to be corrected on my records. Instead, it reflects the date when the checks cleared the bank.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM opened a collection account on my name for {$15000.00}, I am not liable for this debt with charter communications, I do not have a contract with JEFFERSON CAPITAL SYSTEM, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$21000.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific inquiries in my document coming about because of the wrongdoing. The inquiries 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 alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

Selene Financial bought my home loan and are now the servicer for the loan. They have promised me a loan modification without any resolution. They have send a anonymous person posing as a real estate agent taking pictures of my property and providing me no proof of anything or paperwork. The so called agent or spy as I would want to call them took pictures inside my house and of not just the property but also of our personal pictures on the wall. They do n't tell you why they are there just to evaluate the property and Selene does not even give you a notice.
Product: Debt collection

I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. 

Pro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. 

I'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. 

Please help us. 

Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted by Bank of America of suspect charges on my credit card. When I checked my pending charges, three stood out as purchases I didn't make. One for a XXXX XXXX, another at a XXXX, and another at an XXXX XXXX. The charges were of the amount of $ XXXX {$100.00} a piece. Bank of America agreed over the phone that the charges were false, canceled my card, and sent me a new one.

Of the three charges, two never got past the 'pending ' stage but one managed to slip by which was from XXXX , the first fraudulent charge to be made. That one was quickly reverse on my statement, I assumed because they didn't catch it in time This week, starting Monday XX/XX/XXXX, the charge from XXXX totaling {$76.00} was placed back on my credit card statement stating that charge was made with my card. 

I called a few times to gain info about why the charge was put back. I wasn't given any info why other than their research showed that my card was present at the time of transaction. Which is impossible I was at home and sleeping off the XXXX that day. 

The lady on the line stated that my card had to have been used as chip card can not be copied. Which is in contrast to was is stated on their website ( screen shot attached ) That day I was at home and was nowhere near where the charges were being made. Since I was at home I have no way of proving that I wasn't in the area. On my second call, I did obtain the old credit card number in case XXXX could look up the transaction and possibly find security footage that proves it wasn't me. I haven't had time to make it to that part of town due to starting a new job this week.
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report and it made me really upset that the 3 reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the 3 bureaus for the account XXXX XXXX Account that starts with XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX XXXX Account that starts with XXXX. Additionally, this account for all 3 agencies says this account is closed and should no longer be on my report.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies? 
I have attached a copy of this account on my credit report for your convenience.
Product: Mortgage

I have had some health and financial setbacks in the last 2 years. I have been trying to get a loan modification from Ditech for over a year and a half. However here in the last month they have agreed to give me the Flex Modification which lowers my payment by {$200.00}. I tried to negotiate a lower interest rate but was refused. Currently I have 18 years till the loan is paid with a 4.37 rant. The mod offered will keep my current rate but extends the terms to 40 years. I really could not understand the 40 year extension and really don't want to sign to the extension. Also in the modification documents there's a clause that states I have to get written consent from the mortgager to sell my house, I wanted to know why such a clause was stated in the verbiage. If I should sign this modification, I don't want this clause to interfere with me refinancing in a year. I have talked to Ditech representatives which says I can refi at any time but will not state this in written in the documents. Ditech will not remove the clause stating I have to get written consent prior to selling my house. 
Also Ditech sent me letters that state they loan is being transferred. I have receive welcoming info from the suppose to be new servicer. Then Ditech called me to say the loan is not being transferred. I really don't who to believe considering all the bad reviews listed about Ditech. Ditech has filled bankruptcy twice in the last 2 years. Where do this put me and my loan perspective.
Product: Credit reporting

I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.
Product: Debt collection

This company is trying to collect a debt that i do not owe i have never signed any contracts with this third party AD ASTRA Recovery serv nor them or XXXX XXXX office are loacted in the state of virgina This company also stated they have sent paper work through XXXX last time which that was a lie XXXX have nothing on file from this company to me
Product: Credit card or prepaid card

this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, XXXX  late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.