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

The credit card company, Chase, closed my account and I can not longer use it. 
At the time is was closed the interest rate was 8.49 %. I have been making payments to pay off the balance that was due when they closed the account. 
Now I see they have raised my interest to 9.49 %. Now on this statement I see it has raised again to 9.74 %. Isn't there a law that says if they close the account I can pay off the balance that I owe under the same terms? ( 8.49 % ) I called them and talked to them and they said they can raise my interest rate even tho they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score on XXXX XXXX to see that I had a hard inquiry from an unknown source ( syncb national credit cards/airlines ) from XX/XX/2018. I never applied for this or gave my consent in any way. I called the creditor and was given the run around and told that I would have to dispute this with XXXX XXXX. XXXX XXXX did not give me the option to dispute this hard inquiry, it directed me to dispute it through the creditor which I had already tried and I got the same result with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Vehicle loan or lease

The company is reporting I owe {$5800.00}, im sure the seller has already sold the vehicle to another individual. The Fair Credit Reporting Act comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated. This type of tradeline is considered unsubstantiated and I am kindly requesting that this tradeline be removed from credit report.
Product: Debt collection

PLEASE BLOCK AND REMOVE FRAUD ACCOUNT TO MY CREDIT REPORT IMMEDIATELY.
Product: Prepaid card

On XX/XX/year> I went to an atm inside XXXX  on XXXX XXXX XXXX, XXXX tn, to make a withdrawal of {$80.00}. It declined my withdrawal but still deducted the money from my account. I contacted the atm company customer service who in return directed me to my card 's customer service. I contacted customer service for my dasher direct card which is Payfare. They sent me a dispute form link which I filled out and attached the receipt from the atm and proof that I contacted the atm company. They replied that it would take XXXX days to hear a response. Which is a little bit long if you ask me. And the only reply I get is that it will take XXXX  days to finish my dispute. I need that money back. It has caused me alot of hardship trying to get a hold of customer service and get a real answer ad to why this happened and it's upsetting. I just want a resolution and for my money to be put back.
Product: Credit card or prepaid card

I have being trying to get a credit card since XXXX and they always decline me. I am a XXXX XXXX XXXX in Puerto Rico and also have a XXXX XXXX. I dont have debt and the companies are always denied me. I feel is something that is so frustrating because I want to build credit but the company doesnt give me the opportunity.
Product: Debt collection

On XX/XX/2022 I received my first phone call from Lanier Collection Agency regarding a debt. I am/was entitled to a written letter of my rights within the first five days after being contacted under the Fair Debt Collections Practices Act. I never received such letter and thus, Lanier Collection Agency is in direct violation of my rights under the Fair Debt Collections Practices Act, and the debt is thereby invalid. I notified Lanier Collection Agency via certified mail ( USPS XXXX XXXX XXXX ) that continued attempts to collect or otherwise fail to dismiss the debt would be reported to the Federal Trade Commission. On XX/XX/2022 at XXXX XXXX  I checked my XXXX credit report online and Lanier Collection Agency appeared as a derogatory mark on my credit report, indicating that Lanier Collection Agency failed to dismiss the debt. Attached are photos of 1 ) the letter sent to Lanier Collection Agency 2 ) proof of delivery of that letter via the issued USPS tracking number. 3 ) a screenshot of Lanier Collection Agency showing on my XXXX credit report.
Product: Credit card or prepaid card

Company claims my account had never been under a % 0 apr for purchases. However, please find attached the email which states otherwise
Product: Credit reporting or other personal consumer reports

It is illegal to report transactions history income can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

XXXX is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

XXXX is also reporting two addresses I have never seen or am associated with please delete : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the other hard inquires : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX deal services, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX BRANCH ( FINANCE ), XXXX XXXX ( Bank ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

A check was deposited into our account and a hold was placed on the funds. Upon contacting Chase to see why the following day we were told the check was fraudulent and was going to return - absolutely, no if ands or buts. We had Chase speak with the maker of the check and they verified the authenticity. The transfer check cleared on XX/XX/year>. Chase still said this meant nothing, just because a check cleared didn't mean it would not be returned. Chase went to so far as to lie to us and say that XXXX XXXX where the account was held told Chase the check was fraudulent. Chase also put a freeze on our account and sent a text that if we did not contact them our Chase account might be closed. The check has cleared XXXX XXXX. Copy of check and proof it cleared attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX violates section XXXX XXXX is reporting inconsistent with all three other bureaus, reporting with activities after account has closed.
Product: Debt collection

Timeline of Events : XX/XX/2021 : Resident sent letter to XXXX XXXX XXXX seeking extension to XX/XX/2021. 

XX/XX/2021 : Sent notice to XXXX XXXX XXXX property manager ( XXXX XXXX ) that extension no longer needed and would be vacating apartment on XX/XX/XXXX. This notice was acknowledged by property management. 

Received ledger from XXXX XXXX ( parent company ) and Move out statement from XXXX showing a balance owed of {$810.00} which was dated XX/XX/2021 NOTE both the ledger from XXXX and the Move-out statement from XXXX XXXX. 

Various Communication with XXXX, that finally ends with a Move-Out Statement from XXXX XXXX XXXX showing a ZERO Balance and an e-mail from property manager that says you are actually due a refund - XX/XX/2021 However XXXX XXXX ( parent company ) continues to say I owe the balance as the write-off was just at the property and not at the parent company level even though I have an e-mail from the property manager saying we were due a refund. 

Last communication with XXXX was in XX/XX/2021. I had assumed they finally accepted all the documentation I had provided and made their books ( ledgers ) match that of the property. However I received a call from Genesis today as, attempting to collect this fictitious debt. However the debt is question is not owed as evidenced from communications from the property itself. 

What further complicates this issue is the property has since been sold and all former property managers had quit or been fired by end of XX/XX/2021. 

I am seeking advice on how to move forward.
Product: Debt collection

Portfolio recovery keeps calling after I have told them to stop calling me I even blocked their phone number but to no avail they call from other numbers I need a refund or payment from them for violation in which you guys have made claim that they owe people for there unethical tactics
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT REPORTS I HAVE ATTACHED FTC FORM SHOWING THE FRAUD PLEASE UPDATE MY CREDIT REPORTS
Product: Mortgage

My husband and I have a joint VA guaranteed mortgage that is currently being serviced by Loan Depot. My husband and I received a notice from Loan Depot dated XXXX/XXXX/XXXX, that our escrow account had a shortage of {$570.00}. On the notice it clearly says that if we pay the extra escrow amount required, our monthly payment will increase from {$2400.00} to {$2400.00} ( due to expected increase in property taxes and homeowners insurance ). However if we did n't pay the extra escrow, the notice clearly stated that our monthly mortgage payment would increase to {$2500.00}. 

On XXXX/XXXX/XXXX, I paid the escrow shortage through Loan Depot 's pay-by-phone system. My intent in using the pay-by-phone system was so that the escrow payment would be credited to our account before the next regular mortgage payment date of XXXX/XXXX/XXXX which would ideally allow us to avoid our monthly payment increasing to {$2500.00} Unfortunately, my husband and I were direct debited on XXXX/XXXX/XXXX for {$2500.00} instead of the correct amount of {$2400.00}. When I looked at our mortgage account online, I discovered that on XXXX/XXXX/XXXX, Loan Depot 's pay-by-phone system had applied what should have been our escrow payment to the principal of our loan instead, which made it appear that we had not paid the escrow shortage when we actually had. On XXXX/XXXX/XXXX, I called Loan Depot 's customer service center to clear up the issue. The representative assured me that they would move my payment from the principal part of our loan and apply it to the escrow portion of our loan account. He also told me that this would clear up the issue so that we would indeed be debited {$2400.00} for our XXXX XXXX loan payment instead of {$2500.00}. However on XXXX/XXXX/XXXX, my husband 's and by bank account was again debited for {$2500.00}. I called Loan Depot 's customer service center again today, XXXX/XXXX/XXXX and when I described the problem to the employee, her first response was " well do you know you have a escrow shortage? ". I informed her that the escrow shortage had been paid on XXXX/XXXX/XXXX. She checked her records, and then put me on hold. She came back and told me that " the reason my monthly payment was increased by {$5.00} was for increased property taxes and homeowners insurance. ". I could n't believe it! It was like she had never heard me describing the problem in the first place. The employee seemed so confused that I asked to speak with a supervisor, She then put me back on hold which lasted 15 minutes before I gave up and hung up. 

My husband and I are fine with paying an increase of {$5.00} in our monthly mortgage loan payment but as of right now Loan Depot is charging us {$47.00} more in our monthly payment ( the difference between {$2500.00} and {$2400.00} ). Basically, Loan Depot is treating our account as if if we never paid the escrow amount they asked us for. Further they are not timely in rectifying the issue for my husband and I.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ====================================== UNAUTHORIZED INQUIRIES PLEASE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =================================== 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Bloomingdales is listed on my XXXX credit report and needs to be removed. This account is falling under the status of 1099-c because bloomingdales has charged of the debt and gotten paid by the insurance company. Therefore by laws of the FCRA and the United States Department of Treasurey it is now listed as income and income can not be listed on a credit report per law. Bloomingdales account number XXXX XXXX on my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax XXXX again with my XXXX complaint. I just want to let Equifax know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX and XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay debt the Debt collector must cease all communication 1. Jefferson Capital System XXXX XXXX XXXX XXXX XXXX MN XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX 15 us code 1662 ( B ), us code 1650, us code1662, code1635
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CPFB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Portfolio Recovery Associates on XX/XX/21 and XX/XX/21, requesting viable evidence bearing my signature, stating that I am legally obligated to pay PRA and have received no response providing validation. It should be noted that all my personal accounts are listed under my given name ( " XXXX XXXX '' ), while the account in question is listed under " XXXX XXXX ''. 

The response letter sent by PRA, attached in a previous complaint, simply contains a bill. No documentation bearing my signature was included. As stated in my second letter, per an FTC letter by Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

I would like the account removed from all 3 credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice okinus paid in full never late agreed to removal from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. My consumer rights state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 


1. XXXX XXXX XXXX Account Number : XXXX* 2. US DEPT ED Account Number : XXXX* 3. DEPTEDXXXX Account XXXX : XXXX 4. US DEPT ED Account Number : XXXX 5. DEPTEDXXXX Account Number : XXXX 6. US DEPT ED Account Number : XXXX 7. DEPTEDXXXX Account Number : XXXX 8. US DEPT ED Account Number : XXXX 9. US DEPT ED Account Number : XXXX 10. DEPTEDXXXX Account Number : XXXX 11. DEPTEDXXXX Account Number : XXXX 12. US DEPT ED Account Number : XXXX 13. DEPTEDXXXX Account Number : XXXX 14. US DEPT ED Account Number : XXXX 15. DEPTEDXXXX Account Number : XXXX I respectfully request to be provided proof of these alleged items specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and since this represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Debt collection

My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).
Product: Credit reporting or other personal consumer reports

My credit report contains errors showing late payments that dont align with my habits. Requesting a correction and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 {$1900.00} contacted XXXX  regarding old account. Attempted to dispute charges and was denied. Amount was charged to me for unreturned items to XXXX. I attempted to return cable boxes however XXXX would not accept or allow me to return all equipment no longer being used. This is affecting my credit and preventing me from buying a home.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX MILESTONE XX/XX/XXXX CONSUMER PORTFOLIO SERV XX/XX/XXXX CREDIT ACCEPT XXXX CAC XX/XX/XXXX
Product: Checking or savings account

As of today XX/XX/year> XXXX still has not recieved check said to be mailed by SOFI.