23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau 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 CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance XXXX XXXX} Date Opened : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX Balance : {$690.00} I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX They did not provide me with the original statement or application when I asked. This was requested 30+ days ago. XXXX has tried to contact them MULTIPLE TIMES. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report. I contacted XXXX XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Also, this investigation and non-responsiveness has been going on for 30+ days. Transunion continues to have this on my Credit Report which is ILLEGAL. This also manipulates the Statues of Limitations.
Product: Credit card or prepaid card

XX/XX/2020 Chase Bank Account Inquiries XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$120.00} on my account. The amount is inaccurate because it was a fraudulent charge that was returned by XXXX on XX/XX/XXXX. 

Two fraudulent charges were made on the website XXXX both for {$120.00}. I contacted both my credit card company ( Chase Bank ) and XXXX XXXX the merchant ). Initially both refunds were issued and all was well. 

In XXXX, Chase Bank returned one of the {$120.00} charges to my credit card and I was forced to pay. I contacted XXXX and they said that they issued two full refunds and that the issue was with Chase Bank. 

Two refunds were issued by XXXX and Chase Bank only gave me one of the refunds. 

Multiple calls and messages were sent to Chase Bank to resolve the issue. Only automated responses were received. No attempt was ever made by Chase Bank to resolve the issue. A Chase bank representative said they would forward the information to the correct department, but no further contact was made. 
XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Call and message XX/XX/2020 - Call and message XX/XX/2020 - Message XX/XX/2020 - Message Enclosed are the two refunds, both for {$120.00} by XXXX on XX/XX/XXXX, My credit card statement and the details of the transaction in dispute from Chase Bank. 

Please investigate this matter and correct the billing error as soon as possible.
Product: Mortgage

Had a mortgage with lender and some late payments were made in XXXX. However, the account was paid off in full on XX/XX/XXXX. This account was included in a XXXX  XXXX BK filed on XXXX XXXX. 
The BK was discharged on XX/XX/XXXX. Lender was notified on the BK filing and discharge. However, they continue to show the late payments on my file and have not corrected their filing in accordance with CFPB and Credit Reporting rules. Customer has refused to speak with me in an attempt to correct their reporting error.
Product: Credit card or prepaid card

Wells Fargo created a fake credit card in my name. I was never notified about this until they started piling fees onto the card, closed the account after the amount owed was about {$100.00} over the spending limit for the card, and sent it to collections, at which point I started getting phone calls. Since then, I was given a settlement check in the class-action lawsuit about this issue, but the account still shows up on my credit report. I tried disputing it with the credit agencies multiple times to no avail, and then with Wells Fargo themselves, and it is STILL on my credit report - it looks like they actually reopened it and reclosed it due to my complaint, which will keep it on my credit report for another 7 years, even though I never applied for a credit card, never received one, and never signed anything, AND the company recognized their actions against me as unlawful ( I received a settlement check ).
Product: Debt collection

I recieved a copy of a collections bill from Phoenix Financial Services and would like debt validation from them and XXXX XXXX I have been disputing the validity of this debt and it continues to not be validated.
Product: Mortgage

For the past 3 years Caliber Home Loans states that we have not paid our taxes and they have received tax bills from our XXXX XXXX XXXX to pay the back taxes. They claim that they have paid the tax bills ( that we have already paid and have provided them receipts for ) and in turn bill us for the amount of about {$4800.00}. They have added the {$4800.00} to my Escrow account and are demanding that we pay an extra $ 300+ monthly. I have disputed this issue with them in the past and I want it to stop and I also would like to be refunded all of the extra taxes that we have overpaid to them. 
My mortgage company Caliber Homes Loans are charging me for taxes that I 've paid in the past by adding them to my Escrow account. I have provided them proof of the taxes that I 've paid ( which is the amounts they say I owe. 

I 've been having major issues with mortgage company Caliber Home Loans trying to get an honest answer as to why they are charging me for taxes that I 've proven to them that I 've paid in the past. Whenever I call them for a response to the " case '' they opened over 2 months ago to research the tax issue, I constantly get the run around. I 've had customer service reps say they are going to transfer me to their tax department or to speak to supervisors just to have them hang up on me. I 've heard different stories as to why they are making me pay more for my Escrow. XXXX of the stories that I 've heard if that that when I remodified, Caliber did not process my modification correctly which caused me to be between {$3000.00} to {$4000.00} negative in my Escrow account. I think that if they made the mistake they should try to rectify it by modifying the modification, not charging me for their mistake and or charging me for taxes that I 've proven to them that I 've paid. 
I 've contact both XXXX XXXX and XXXX County regarding the taxes to see if Caliber has opened a " Case '' regarding the taxes that I supposed owe. I was advised by both XXXX County and XXXX XXXX that no case has been opened with them to resolve this issue. When I spoke to the XXXX County Treasurer they advised me that once Caliber Homes sends them copies of the cancelled checks for the taxes they paid, they will then start investigating and refund me any tax overages. I 've relayed this message to Caliber Homes and they have yet to provide the cancelled checks to me or the XXXX County Treasurer. 
I am concerned because my husband and I can not afford to pay the extra $ 300+ a month that Caliber is forcing me to pay for something that I am not responsible for. We honestly do n't know how to get this issue resolved because no one at Caliber Homes is helping to resolve this issue. 

XXXX XXXX ID XXXX opened with XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX. 
Spoke with XXXX with XXXX XXXX on XX/XX/XXXX and he advised me that he will make sure I receive copies of the cancelled checks for tax payments from Caliber that from XXXX XXXX XXXX XXXX disbursed in XX/XX/XXXX. It has been over three months and this issue has yet to be resolved and no one from XXXX XXXX or Caliber has contacted me via email, phone, or mail.
Product: Credit card or prepaid card

First Progress Credit Card has stole XXXX in forms of payments from my account and refuse to reimburse the money. I called their customer service and I was told that Mr. XXXX XXXX review my account and found the payments on the statements. I have all the statements printed out from the open of the account to close. The payments are not shown anywhere. I also requested a copy of the front and back of all the check ever cashed by First Progress and have them available for review. This is a prepaid card and not a credit card therefore all the money there was mine to begging with so but those payments been missing I consider this stealing. I have all the files ready for upload when needed. I also was sick from XXXX when all this took place and was not able to work so this had a huge impact on my daily life. Even right now is taking me time and money to try to get this resolved.
Product: Credit reporting or other personal consumer reports

JP Morgan Chase Bank charged off my car and are still trying to collect payments. The Law states that once it reaches the charge off stage, the company needs to provide the customer with a 1099-C. This will be labeled as fraud by that company. 


XXXX XXXX XXXX charged off my account and still trying to collect payments which is fraud. The amount is {$230.00} and this needs to be removed from my consumer report asap. They need to provide a 1099-C also.
Product: Credit card or prepaid card

I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay on time?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX XXXX Inquiry from XXXX XXXX, XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. XXXX XXXX Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23. XXXX XXXX Inquiry from XX/XX/XXXX 24. XXXX XXXX Inquiry from XX/XX/XXXX 25. XXXX XXXX Inquiry from XX/XX/XXXX 26. XXXX Inquiry from XX/XX/XXXX 27. XXXX XXXX Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Early 2 weeks of XXXX, I have been depositing checks from contractor work/companies/business, etc. On the second week of XXXX, JP MORGAN CHASE sited my account as suspicious and fraudulent. They froze my assets and restricted my access to my Chase accounts. For context, I have held all my assetts in my Chase accounts. All direct deposits, bills, finances are connected to CHASE. Without warning and without notifying me directly, my accounts were placed under restriction. I contacted Chase customer service, and I was told my accounts were placed on restriction because my deposited checks were marked as fraudulent and suspicious. I asked about my pre-existing funds like my savings and remaining money from checking ( prior to the checks ) and a representative told me I'd be able to retrieve these assets from a bank in person. I was told the complete opposite of this information in more calls with Chase representatives the next week after Chase was still unable to clear my checks after 10 days. I have been unable to pay bills, without access to any finances because Chase refuses to work with a long-term customer even with proof of identity. My next calls with Chase, I was told that since I was unable to clear my checks, Chase would indefinitely hold onto my savings and pre-existing checking balances until the checks were cleared. For context, phone numbers I've provided or Chase has access to have all been unsuccessful at clearing the checks. I am at a loss, and I am financially burdened. Chase stated that if I am unable to clear the checks with them, my existing funds will NOT be mailed to me as a check, but rather be held by them and sent to the state 's unclaimed funds. I also asked them about my outstanding balances on my Chase credit card, and they said I will still be responsible for paying the card and late fees will continue to apply. ( My accounts at this point are still restricted and I have no other bank to pay a credit card from ). Chase has effectively stolen my finances and has left me financially broken. After a customer of 10 plus years, I have been thrown to the curb.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I DISPUTED THE FOLLOWING ACCOUNTS WITH ALL THREE XXXX STATING THESE ACCOUNTS IS NOT KNOWN TO ME/ INACCURATE. THE DATES DONT ADD UP AND AMOUNTS OF THE DEBT. AS WELL AS ITEMIZED BILL THAT DOESNT MAKE ANY SENSE TO ME, DUPLICATE ACCOUNTS. I HAVE MADE SEVERAL ATTEMPTS TO RESOLVE ISSUE WITH COLLECTION AGENCY STARTING XX/XX/2022 THEY ARE NOT RESPONDING EXECPT WITH AN ATTEMPT TO COLLECT DEBT THAT IS NOT VERIFIED ACCURATLY. 
* XXXX XXXX XXXX  {$650.00} *ARS {$140.00} *ARS {$140.00} *ARS {$150.00}
Product: Debt collection

I Started with freedom debt relief XXXX XXXX years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}
Product: Debt collection

I received a phone call from Niagra Credit Solutions this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for XXXX funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Product: Mortgage

Good morning : My problem is my current Mortgage Servicer. We are currently up to date on our loan. We have always been current on our loan. My problem is the communication SWBC is providing to us. As I understand most mortgages are due the XXXX of every month. We have paid EVERY payment prior to this date.

SWBC I have the letter attached, has been communicating to us with this letter the XXXX of every month with Delinquent Notice. To my understanding we are not late at all on our loan! Why should we receive this type of notification ( I completely understand a reminder letter or notice but makes it seems on this date we are late and need to pay right now!! ).

The second page describes This communication is from a debt collector. Why is this happening again we not late ( please find the payment amount and not late fee listed on first page ).

This can not be an appropriate communication you can send to a customer ( I have called customer service, and they said it was the law to do this ( is this true ).

This letter is completely unnecessary and wording that is not appropriate and should not be used for a borrower is in full compliance. I would like your organization to investigate for a clear answer from this servicer.

If you have any further questions, please do not hesitate to contact me at ( XXXX ) XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

A letter was mailed to me XX/XX/XXXX from Debt recovery solutions llc. ( I would have received it a few days later. I wrote a debt validation request on XX/XX/XXXX and mailed it which was within my 30 day time frame asking them to validate the debt. I received absolutely nothing to validate the date from them. I received a notification that a collection was added to my report. I suffered tremendously through covid as many did. My husband passed away from covid and I went into debt. I have worked very hard to rebuild and am a single mom who scrapes to make ends meet but I have not missed any payments on my credit. I asked for validation for that debt and they did not respond. It is unfair they neglect their responsibility but pursue hurting someones credit without following the law. I had taken a picture of what I wrote and the addressed envelope before I mailed it out. Please help me. I did attach a picture of the letter I sent with it dated for the validation to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE 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. 

XXXXXXXX XXXX XXXX Balance : {$4200.00}
Product: Debt collection

Found Tri state adjustment inc located in XXXX XXXX XXXX  reporting on my credit report. I reached out to the company to provide a statement and copies of HIPPA form I signed. I was in question because I paid this dental bill from XXXX  off before I moved to XXXX XX/XX/XXXX. I did not move back to XXXX  until XX/XX/XXXX, but the service dates can not be correct on the statement. I requested a copy of any documentation I signed HIPPA a billing form for insurance anything. What I did get in the mail was my information, my families, dental insurance information, procedures and procedures codes. I never signed for XXXX XXXX to release mine or my childrens medical information and proof has not been provided. Also insurance was billed on dates. What is owed is XXXX for services provided for my husband on XX/XX/XXXX while he was still living in the state. XXXX did not fully investigate.