23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the late payment reported on my account with Chase Bank. I called the auto attendant on the phone and was given two payment options, one to pay the minimum amount and the other to pay the full amount. I chose to pay the full amount. 

In XXXX, I used the card again and made a payment, but when I checked in XXXX, I discovered that the payment was reported as late. I was traveling at the time and did not receive any notification from Chase Bank regarding the late payment. 

I sent a dispute letter by fax machine, explaining that the phone system misled me into believing that I had made a timely payment. However, I received a letter from Chase Bank stating that they could not remove the late payment. Furthermore, the letter stated that they would mark me as late if two consecutive payments were missed. 

As evidence of my payment history, please refer to the following statements : On XX/XX/XXXX, I paid {$6600.00} to pay off the account by making a phone payment. 
On XX/XX/XXXX, a {$40.00} late fee was charged. 
On XX/XX/XXXX, {$100.00} interest was added. 
On XX/XX/XXXX, a payment of {$140.00} was due to interest and late payment. 
On XX/XX/XXXX, I made a {$700.00} phone payment with a phone representative. 


It is clear from the payment history that I have made every effort to pay on time and in full. The late payment was the result of the misleading information provided by the phone system, which was beyond my control. Furthermore, it is unfair and unjust to report me as late when I have made every effort to make timely payments. 

In addition, I believe that Chase Bank may have violated California and federal laws, including but not limited to the California XXXX Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These laws prohibit debt collectors from making false, misleading, or deceptive statements in connection with debt collection, and require them to provide accurate and complete information to credit reporting agencies. 

I am writing to request that you remove the late payment from my credit report and correct any erroneous information that has been reported. I am authorizing you to respond to me through the CFPB website. Please provide me with written confirmation that the late payment has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I noticed incorrect information on my credit report concerning 15 USC 1681c-2. Unauthorized inquiries are listed, which are affecting my credit, so I ask that they be removed.
Product: Debt collection

On XX/XX/2017 I received a letter from XXXX XXXX XXXX XXXX stating I owed XXXX. They said if I do n't respond in 30 days they would assume the debt was mine. I responded the business day by certified mail asking them to validate the debt, prove that I signed a note of some kind and prove it is not a scam. I also flied a complaint with the Minnesota Attorney Generals office asking the company to " Please provide proof that the debt is mine, that they have the legal right to collect, and that this debt is not some sort of " Time Barred Debt. '' I am worried that this company is trying to scam consumers into paying debt they legally do not owe. I am a father of XXXX and work three jobs just to stay afloat. My children care on XXXX XXXX for health insurance and we I buy groceries at XXXX XXXX XXXX just to provide food. The food is outdated but I am doing my best. I considered going to the media but wanted to see if CFPB could look into this issue and stop the harassing letters. Any help would be much appreciated.
Product: Mortgage

I have a second mortgage that is over 10yrs old the mortgage company I initially signed papers with in XXXX charged off the account after I fell behind on payments in XXXX. However, before I fell behind I requested to refinance the loan an application was taken my home was appraised and the company known as Springleaf Financial who did a name change to Anerican General Financial Services then. The company results of my Refinance application was Denied I was told because I didnt meet Demographics I always felt I was discriminated against but did not know how to fight it .... Fast forward another company XXXX XXXX XXXX  have bought the loan and is talking foreclosure. My question is can I fight this loan based on I felt I was discriminated against when I requested to Refi the loan in XXXX for a more Affordable payment and was told I didnt qualify because of Demographics ( What does this disqualification mean ). Although in the same year I refinanced my Primary Loan and it was approved. The second mortgage loan was for {$26000.00} at XXXX monthly. This company who bought the loan after charge off XXXX XXXX XXXX  state I owe them {$60000.00}. Is this legal. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : ( XXXX. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit card or prepaid card

Bank of America handles card processing for agencies of the XXXX XXXX XXXX 
I made a charge on a card for the XXXX  XXXX. of XXXX in XXXX, XXXX. I didn't think it went through so made a second charge for {$3600.00}. I realized it did go through and immediately issued a refund in the amount of {$3600.00}. I showed my processor, XXXX, that record. 
On XX/XX/XXXX, I was notified the client had filed a dispute and I was being charged {$3600.00} plus a {$15.00} " dispute fee ''. That money was deducted from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. It has not been replaced as of XX/XX/XXXX. 
I can't get anyone at XXXX to issue a refund and can't find a number to call to discuss this with Bank of America. 
I'm being told they have up to 30 days to resolve the issue and re-imburse me. XXXX is also asking to have access to my banking records, and I declined to give them that access.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported to the credit bureaus a debt that does not belong to me. I called XXXX XXXX XXXX  and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

Experian and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of Experian.
Product: Student loan

I have a Student Loan through XXXX XXXX which later sold my loan to Navient. Both companies saw that I was paying extra towards my monthly statements I did so with the intentions to pay off my loan quicker. They never allocated my extra money toward my principal and It never reflected in my current balance.I noticed that my balance had never seemed to move when I started paying down on my loan XX/XX/XXXX/XX/XX/XXXX, to this current date. Navient took my extra payments and put them towards a pay ahead schedule, I was never told about ta pay ahead program. When I called into Navient about why my balance due kept changing and sometime said that I owed NOTHING, that was when a rep told me that I was paying ahead so I was months over paid on my account. I asked her ; how can I get Navient to put my extra money towards my principal ... I was told to write a letter and tell them and continue to pay online. It made no sense at all how would the letter arrive the same time as my online payment, needless to say no response and no extra money reflected in my balance. When I contacted a costumer representative they could not explain to me why they were doing that and they claimed they could not access my records to show all of my extra payment. Before Navient took my loan I had the same issues with XXXX XXXX, they saw my extra payments and when I contacted a costumer representative, they too also told me they could not see my records and go back " that far ''. I also had contacted a costumer representative several times when my husband noticed that they ARE NOT calculating my interest properly. Not XXXX put of the XXXX people I spoke to could explain to me how they calculated my interest each month, with that said, that is why my balance also dose not show my accurate balance due. XXXX XXXX saw that I had paid them extra money to defer my loan, when I graduated I was XXXX and did not start work right away, NO ONE gave me any other options than to deffer my loan, no one told me, it would still accrue interest either. When I saw that I was not getting through to anyone and no one was going to help me, I stopped paying extra towards my loan and I 'm currently paying the min balance due. As of today XX/XX/XXXX my balance still dose not reflect the extra XXXX that they have from me, extra I was putting towards my balance due!!!!. My family and personal life has suffered greatly, because I had prep and planned to had been done paying them off, to stay at home and raise my children.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by re-inserting a previously deleted account without providing proper notice or justification ON XXXX. This action directly contradicts my rights under federal law and demonstrates Equifaxs ongoing pattern of noncompliance with credit reporting regulations, as highlighted in the recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors ). 

Violations Committed by Equifax Reinsertion of a Previously Deleted Account Without Proper Notification Under FCRA 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert a previously deleted account unless : The information is verified by the furnisher, and The consumer is notified in writing within five days of the reinsertion.

Equifax failed to provide me with this required notice, depriving me of my legal right to challenge the reinsertion.

Failure to Conduct a Proper Investigation The CFPBs enforcement action against Equifax confirms that the company routinely fails to properly investigate consumer disputes in violation of FCRA 1681i ( a ).

In my case, Equifax removed the disputed account, indicating that the information could not be verified. However, it was later reinserted without notice or further investigation, which is a clear violation of federal law.

Pattern of Noncompliance with CFPB Enforcement Actions The CFPBs recent lawsuit against Equifax highlights systemic failures in handling credit reporting disputes, including : Failing to conduct thorough investigations of disputed information. 
Reinserting inaccurate or unverifiable data without proper consumer notification. 
Causing significant financial harm to consumers by failing to correct errors. 
My experience aligns with these findings. Equifaxs improper reinsertion of a previously deleted account reflects the same reckless and unlawful behavior identified by the CFPB.

Impact on Me as a Consumer Due to Equifaxs unlawful reinsertion of this account : My credit score has been negatively impacted, affecting my ability to secure loans and financial opportunities. 
I was not properly notified, denying me the chance to challenge or verify the reinsertion. 
Equifaxs failure to comply with FCRA regulations has caused me financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the credit reporting agency Equifax. I wanted to change my mailing address as we are moving and are making advance preparations. It is IMPOSSIBLE to do this by either calling or going online to Equifax. If you call, they tell you to go online, and in a most rude and pretentious way. They tell you that is the ONLY way to change our address! When you go online, you have to file a dispute, A DISPUTE, in order to CHANGE YOUR MAILING address! Then, when you go to dispute, you have to choose from one of three reasons. 1 ) I never lived at this address, 2 ) This address belongs to another person with a similar name, or 3 ) I believe I am a victim of fraud or identity theft and this address is not mine. THESE ARE YOUR ONLY CHOICES! So, I picked # 2 as I had to choose something. I went on. You then have to load 2 forms of identity. One of the forms can be a utility bill from our new address, which I don't have because I am not AT my new address yet! So, I load 2 other forms of identity and hit FILE. It then errors out and in the end, you can't change your address anyway! NO WAY, NO HOW! Can't change my address. Mike drop.

This is absolutely intolerable! As one of the three credit reporting agencies, Equifax is a complete and total FAIL!!!
Product: Debt collection

XXXX XXXX XXXX garnished my son 's wages in violation of both Arizona and Washington law by failing to provide proper notice. They then garnish XXXX pay which was exempt from garnishment, again in violation of law. When we had an attorney contact them regarding this, after not responding toe the attorney for almost three weeks, they finally agreed to reverse the garnishment - BUT NEVER DID SO. We then settled the matter for {$4000.00}. They still did not stop the garnishment, and just garnished my son 's wages AGAIN! And they haven't ever reversed the garnishment or refunded the monies taken in violation of the law. They are rude. They don't return calls or emails. They are snooty and seem not to even care that they are violating the law. I find the way they treated us to be disgusting and shameful. I am pretty sure they treat other consumers in similar manner
Product: Credit card

On XX/XX/XXXX I looked up a telephone number for XXXX XXXX  customer service to get tech support to fix my XXXX XXXX  watch. I called the phone number that I found for this company. I had no idea that the people that I reached on the phone were not XXXX XXXX but scammers and they were generating a video call on their end without my knowledge. I later found this out by calling the phone number back and saw myself on video. I never made a video call to this number. I never gave them passwords, credit card numbers or gift card numbers. They stole them from my phone which they had unauthorized access to. I was scammed out of over {$1500.00}. in gift cards which they charged on my Target.XXXX credit card. When I realized that what they were doing was not helping me fix my watch I hung up the phone and did some investigating and realized that it was a video call on their end and that I had been scammed. I later wiped my phone clean and changed all my passwords and checked all my credit cards for purchases. I called Target XXXX XXXX. XXXX ext. XXXX and reported the fraud. They closed my account and sent me a fraud questionnaire which I faxed back to them on XX/XX/XXXX. I received a bill from Target on XX/XX/XXXX for {$1500.00} so I called the XXXX XXXX. and they told me that I was responsible for the paying the bill and they claimed that a letter of resolution was sent to me on XX/XX/XXXX. I never received this letter and I asked that another letter of resolution be re-mailed to me. I still have not received that letter 6 months later. I was told by the supervisor to send another letter of appeal and the claim would be re-opened. I sent another letter to the fraud dept. on XX/XX/XXXX and have not received a letter of resolution as of XX/XX/XXXX, 90 days later. Every month when I received another bill from them I call the fraud dept. asking to speak to a supervisor and each time I was told that the letter of resolution on XX/XX/XXXX would be resent and they would have someone call me back in XXXX hours. No one has ever called me from Target fraud dept. I have documented XXXX phone calls where each supervisor I spoke with would only share their first name with me and every time I called they told me the same thing, someone would call me back in XXXX hours and they would resend that first letter of resolution that they claimed was mailed to me on XX/XX/XXXX. Upon checking my credit report I could see that I now have an unpaid balance of {$1800.00} for Target. I have always had excellent credit and this is not right that they reported this unpaid balance and have never given me a letter of resolution about why I am responsible for this bill. I faxed them another letter on XX/XX/XXXX that they need to make a decision and send me a letter of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got square card reader becuase my biggest customer wanted to start using there cc. So I got it I tried it I charged a small amount it worked fine. Then I let my customer use there card and it was a large order. XXXX plus bucks maybe small for you but everything I had. Then square said I needed all these things business numbers tax numbers I gave them everything they wanted even down to my customers names and phone numbers and email addresses. Then they said all looked good they said XX/XX/XXXX they would deposit it into my accounts. It didn't happen they Then sent me a email said they will send me my money in XXXX so im done my business is now closed.
Product: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # XXXX, from XXXX XXXX XXXX Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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