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

THE CREDITOR FAILED TO PROVED A XXXX MONTH BREAK DOWN OF REQUIRED PAYMENTS TO PAY THE OUTSTANDING BALANCE. 


( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in XXXX  months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over XXXX  months THIS IS A VIOLATION OF : XXXX. 15 us code 1666 ba ( you have NOT adopted reasonable procedures. 
XXXX. 15 us code 1637b 11 B ) iii ) ( see above highlighted section ) XXXX. 15 us code 1681 s-2 ( you are reporting incorrect information )
Product: Mortgage

I am an executor of an estate. The beneficiary of real property under this estate is a " successor in interest '' of real property encumbered by a mortgage held by PNC Mortgage. I have provided PNC mortgage with all information requested to validate the beneficiary as a " successor in interest, '' including the Will of the deceased which clearly indicates that the beneficiary is the recipient of the real property. I have now spoken with at least 7 representatives of PNC and have gotten no where. 

PNC Mortgage insists that I as the executor of the estate need to execute a third party authorization form to grant the beneficiary access to the mortgage information. In accordance with the Mortgage Servicing Rules and effective XX/XX/2018, an Successor of interest includes a transfer to a relative resulting from the death of a borrower.
Product: Debt collection

Im filing a complaint of harassment Against William Rush & Associates. They have been attempting to collect a debt that I do not owed since XXXX, which is outside of the statute of limitation from XXXX. The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates, has not provided me with any proof of ownership or a Bill of Sale regarding this debt. I do not owe this amount and deny their allegation. I've previously filed several complaints ( XXXX, XXXX, XXXX ) against the company on XX/XX/XXXX and filed several disputes where the collections were removed, however every 6 months or so they kept assigning the case to another collection agent which is illegal. All the supporting documents were previously added to the previous complaints. I will seek litigation for monetary damages along with the violations they have already committed. 


According to GA Code 9-3-24 : All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. In other words, creditors and collectors must take you to court for any debt, based on a written contract, within six years of the last action on the account. 



GA Code 9-3-25 states : All actions upon open account, or for the breach of any contract not under the hand of the party sought to be charged, or upon any implied promise or undertaking shall be brought within four years after the right of action accrues.
Product: Credit card or prepaid card

On XX/XX/2021 I called Chase Bank and requested the full payoff for my credit card. The amount they said was {$3900.00} total which I paid that day while on the phone with them ( Confirmation # XXXX ). 

On XXXX, 2021 I received an " action needed '' bill from Chase in the amount of {$25.00} for interest owed after the payoff. I called Chase Bank three times speaking with different levels of representatives each time trying to get this removed. Two of the three representatives hung on me and the third one said they would not remove the charge. 

I feel that this interest charge is not due as the account was paid in full and closed on XXXX XXXX
Product: Debt collection

FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB
Product: Mortgage

We attempted to do a short sale last year in XX/XX/2017 and we were successful in doing so, being approved by the 2nd mortgage SPS in XX/XX/XXXX. The 1st mtg is with City of XXXX and we were also working on an approval but the City of XXXX has covenants on the property that directed the Buyer to have to purchase another lot that was owned by the Homeowner. This lot is not mortgaged, but there is a standing issue regarding a fraudulent deed. We could not fix it in time in XX/XX/XXXX so the Approval for SPS lapsed. About 2 months ago, we informed the Lender that the Buyer has informed us that he found an attorney that could fix the fraudulent deed issue and it was a matter of waiting for a court to approve certain paperwork. SPS however, still moved forward with foreclosing. We re-sent the Buyer 's offer ( that was once approved ) and asked for re-approval but SPS informed us that they could not stop the auction because " the  judge is the only one that can stop it ''. This is not correct since Massachusetts is not a judicial state. We will be escalating this file every day but we need assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : 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 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 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 unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Fedloan several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to Fedloan back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Product: Credit card or prepaid card

I have two cards with Chase- ( 1 ) XXXX XXXX ) ( 2 ) Amazon PRIME card. I have never missed a payment. I manage my account online and receive paperless statements. On XX/XX/2022, it came to my attention that my credit line had been significantly reduced. I called to ask why and the customer service person read a form letter that they said they mailed to me - through regular mail. As I mentioned, I manage my account via paperless statements. I had NO IDEA my credit line was - without reason - reduced. Here 's the thing : CHASE can do this and then charge people outrageous " over the limit '' fees. I was lucky, I paid my balances and closed my account. This will impact my credit score. It's a scam- and I want to make you aware of it. I want some kind of action taken -please let me know what I can do to make sure this doesn't happen to someone who has their back against the wall. Thank you for your help.
Product: Debt collection

I received a letter through XXXX  yesterday from midland credit management saying they were going to obtain a judgement against me. The debt is from a stage credit card. XXXX  has closed their stores for about three to four years and has filed bankruptcy. The credit debt was charged off at that time. I called the XXXX  number provided and the person did not speak good English and could not find any account that match my name or date of birth. He then ask me for my address so he could take me off the list for future mailings. I called the XXXX XXXX XXXX and they gave me information that this company has a legal complaint and has to pay consumers back.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed i had a late payment on an account that was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included in the screen shot in side this compliant in on the dates of XX/XX/2022 & XX/XX/2022. please investigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand theses payments be updated to paid as agreed on time as they should due to the fact i was never late thanks! please see screen shots attached
Product: Credit card

I opened an Apple credit card because I wanted to purchase a new computer and the Apple credit card would allow me to make interest-free payments in monthly installments. The computer is a large purchase ( $ XXXX ) and I needed the option of paying in installments in order to make the purchase happen. 

In addition, I traded in two Apple devices in order to get Apple credit that I could apply to the purchased of my new computer. Apple credit is money that goes onto your " Apple account ''. Apple also extends the offer of applying credit directly toward the purchase of a new device but, importantly, they limit this option to one trade in. I was not able to take advantage of this offer since I was trading in two devices for my new computer. Thus, I proceeded with requesting my trade in funds be applied to my Apple account because it was the only feasible option available to me. 

At no point in the trade in process does Apple communicate this very important term : if you use Apple account funds to purchase a new device ( as is the case in a trade in of more than one device ), and you are using an Apple credit card to purchase the new device, you CAN NOT pay for that device in installments. 

I did not learn this information until after I had mailed my old devices into Apple and they had paid me for those devices by making a deposit in my Apple account. Apple does not let you cancel a trade in after this point.

So, I had {$800.00} in Apple account money, that I could only apply to an Apple purchase, but that I could not apply to a purchase made in installments. And I still had to purchase a {$2000.00} computer ( {$1200.00} after trade in funds are applied ) that I could not afford to purchase in full. 

I spoke with a senior customer service agent at Apple and he conceded that this is not explained to customers clearly in the early stages on the trade in process, but that it is included in the fine print somewhere- and that Apple has no control over this policy because the credit card in controlled by Goldman Sachs. 

I think this is a very misleading policy that serves only to benefit Apple and is just one of many examples of the ways that Apple is monopolizing the market. They encouraged me to trade in my device so that they could transfer the value of my device into Apple money, knowing that I also have the option of selling my device on the market ( XXXX, XXXXXXXX XXXX  etc ) for cash, which would have given me more options and indeed control over how I spend my money. But here Apple deploys a bait and switch : they communicate to customers that trade ins are easier than selling your device on the free market, especially for loyal customers who wish to apply those funds to a new Apple device, only to corner you into spending those funds up-front with very limited options as to how you spend them.
Product: Bank account or service

Hi, I just opened an account with bank of america about one month ago. I had my first direct deposit come in two weeks ago. My second one just posted yesterday XX/XX/2016. I went to use my debit card and it said unauthorized usage. I called in to check and they said my account was in the process of being closed. Without any notice or anything. I had no money to pay bills or provide for my kids because I was looking forward to my money. They told me my money would be on hold until the account is closed. I do not see how can they hold my money and I 'm showing a balance of XXXX.
Product: Credit reporting, credit repair services, 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. 

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, 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 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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion through use of fine print on their credit report webpage has induced me into a arbitrary agreement, preventing me from pursuing legal action against them for acts they are committing in my credit reporting in violation of my rights under FCRA I therefore am opting out of any and all arbitration agreements that i have made with them within the last 30 days.
Product: Debt collection

I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to XXXX.
Product: Debt collection

Bank of America has called multiple times on the same day. Multiple emails which give false information about how making a payment against this debt would not reset the time that they could pursue legal recourse on this old debt that is over 6 years old and they have already charged off. I had in the past attempted to work through a debt settlement service and they refused at the time to accept it as well and now, after 6+ years they decide to start harassing me for the money. I will include the email they sent me about the debt. They indicate things like, because of the age the debt they can not sue me for it and they would not consider any payments made to restart or extend the time they have to sue on the debt. Which is a ploy because by law if I did make any payments they could use that against me and restart the debt if I didn't finish making payments. Due to XXXX I was no longer able to make payments at the levels they wanted, so I attempted to use a debt settlement service to clear up the debts and they refused to accept the negotiated deal with the company so I ended up falling into default on the credit card. They didn't pursue it until now, after the time to collect it ran out and it's off my credit report. They are deceptive while trying to sound helpful and caring. They need to stop this practice and discontinue trying to collect this kind of dead debt.
Product: Credit reporting

There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

I was reviewing over my credit. I notice I had a debt that in collections for a XXXX phone bill. I haven't had a XXXX phone. I have been using XXXX XXXX for the last 5 years. I tried to dispute it off of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account showed up on my XXXX credit report The CBE Group Inc but there is no account number and no identifying information related to me. Therefore ; I called the number thats listed on my credit report : Creditor Information THE CBE GROUP INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX And there is no knowledge of me ever having an account with the initial company ( Charter communications ) nor the CBE group
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.