23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Bank Mortgage representative on a recorded call to Chase Bank XXXX XXXX ( XXXX TX ) Branch Employee stated 'there was a process in place by which an heir simply completed paperwork to assume complete and full responsibility for a mortgage with no need to qualify or pay fees '. Chase bank has admitted to finding these recordings and that there is 'at least partial error ' on their part ' and now they want me to attempt to qualify for this loan while they 'see what they can do ' ... 

Based on this information from bank employees from the bank holding my mother 's hoarded, underwater loan, I proceeded to do much work to bring the property back up to value. Work and funds expended included 10 days of assistance by many of my mother 's friends removing items to good will/ other nonprofits, renting large dumpsters and exposing these friends to an environment that the homeowner 's insurance policy claim team deemed Hazmat contaminated. Moving forward to process the homeowner 's policy insurance claim, which included subcontracting o a Hazmat trained cleanup crew and special waste truck for some of the debris. Then moving forward from a gutted property to beginning to restore the property ( all while Chase STILL managed to find reasons to withhold the insurance check in an escrow account! ) This meant withdrawing funds for my mother 's ( now beneficiary ) IRA and accruing taxes and penalties and fees to have the funds to pay the contractor. Now that the property is improved beyond original, Chase comes forward to say there was a mistake & they are sorry ... Sorry does n't fix a broken plate once it hits the floor. You are either pregnant or you are not so there is either a CHASE error or there is not! I would not have endured all the stress, subjected my mother 's friends to the environment, been hospitalized with XXXX, much less spent this huge amount of funds for a 'long term retirement investment ' had Chase simply told me the truth! I would have walked away & allowed them to foreclose on a property that was worth less than half the loan!! 


I have additional questions regarding [ predatory lending as I am curious how my mother, an XXXX deceased military widow whom was retired and unemployed could qualify for thes loan with a XXXX balloon payment to occur 40 years later - when she would be over XXXX years old!
Product: Checking or savings account

On XX/XX/2020 I received two letters from TD Bank stating my accounts with them were dormant. The letters directed me to call them or to go to a branch in order to receive the money on my accounts. I live hours away from the nearest branch. Upon calling the bank, I was placed on a 29-minute hold. The telephone representative was unable to provide me access to my money, even after accessing my credit file and asking me verification questions. She told me the bank could not grant me access to my money, and the bank would not mail a check to me. I asked her if I would need to file a complaint with the government in order for me to receive my money. She didn't seem to care. It appears, in cases such as mine, this bank 's policy is to hold its customers ' money unlawfully. This is outrageous!
Product: Credit card or prepaid card

I received a PRE-ACTIVATED Home Depot credit card. The card was activated by others without my knowledge, consent, or authorization. In my opinion, the pre-activated card presumptuous and deceptive. The pre-activation without the card holder 's knowledge and consent poses a security threat. If I want the card activated, I will do so myself. Any benefits claimed by the card issuer to do out weigh the security risk the pre-activation creates. Is this legal?
Product: Credit reporting or other personal consumer reports

FRAUDLENT INFORMATION LISTED ON CREDIT REPORT, NO CONTRACT WITH FRAUDLENT COMPANIES
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number XXXX clearly violate this provision. 
Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies. 
I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : ( 1 ) Asset Acceptance LLC XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( 2 ) XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. XXXX Bank issued me a XXXX XXXX Card XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. XXXX Bank assigned the debts to an Assignee Asset Acceptance LLC without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX Sheriff 's income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. InterestXXXX30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back.

The constant denials have left me feeling hopeless and increasingly XXXX. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is reporting a debt on my credit file that I do not owe. I recently looked at my credit report and noticed this debt was reporting. I immediatley called and settled this debt with them. I was never aware that this debt had been sold to a collection agency as I never received any calls or notices. This violates my 30 day right to dispute under the FCRA and it needs to be removed. I am aware the LVNV Funding can remove this as they are the original furnisher and can report to the bureaus as they deem necessary. I have paid this account and am now asking they provide me with a deletion letter for the lack of notice and clear violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report, please remove these account from my report, they are hurting my ability to obtain credit.
Product: Student loan

I got a loan back in 2012 that was for a total of {$66000.00} for XXXX ( XXXX XXXX XXXX ) in California to get my pilots license. It was broken down into 3 different loans. Once I finished my training I was told by Navient that I would be eligible for a rate reduction program to have lower payments. They asked for my financial statements yearly. My rate went from 3.3 % to 10 %. I have not missed a payment bec they required to be auto withdrawals. My payments are now very high and I still owe more than what my loan was originally for. What can I do to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Account Account Name : XXXX XXXX XXXX   Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima XXXX XXXX XXXX, 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I had to block the harrasments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to delete all negative items on my credit report XXXX XXXX XXXXXXXX and XXXX. Need to be removed immediately or will be suing for defamation. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Credit reporting or other personal consumer reports

Unable to access credit report via Transunion in a timely informative fashion, login portal does not work keeps giving " account temporarily suspended, '' message and stops. XXXX " collection '' should be removed per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being refused my credit report information due to my having a dispute in progress. I am also unable to access any disputes in question so do not know what they are referring to. Currently, TransUnion is my lowest score and I want to know what is affecting it because I have already applied for a mortgage. This is the 2nd time TransUnion has blocked me unless I buy into one of their credit monitoring services.
Product: Debt collection

I keep a very close eye on my credit reports, my credit is frozen with all credit bureaus per my direction and to protect my XXXX score. I recently obtained a copy of my annual free credit reports because my XXXX   number went from XXXX to XXXX and I found it worrisome, as I am debt free and only have a 3 percent credit utilization. Upon closely reviewing the reports I noticed that XXXX has a collections amount form a company named Amsher Collection Services that posted on XX/XX/20 for {$210.00} and it also showed a residential address I did not recognize. The company they are collecting for is XXXX XXXX. XXXX, we have an account with them under my husband 's name and it is current and without issue. I contacted the collections agency and the CSR ( XXXX ) could not locate the account with my social, full name or address and requested I e-mail his supervisor. His supervisor has not responded to my queries. We were in the middle of researching and possibly purchasing a vehicle, we have now stopped until this is resolved and my credit score with XXXX moves up again to what it used to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

This company has re-indexed a debt that had already been deleted, this is in direct violation of the FDCPA, I was not notified nor did I receive a notice 5 days before the re-indexing. 

This company DOES NOT have jurisdiction or legal permission to collect this debt in the state of Texas. According to their XXXX number # XXXX, they do not have jurisdiction or legal permission to collect this debt in Texas. I am attaching evidence directly from XXXX. Please explain to me why you are trying to collect this debt in Texas after having it deleted and knowing that you are not legally permitted or licensed in the state of Texas. 

are violating the law and a reinstatement without XXXX days notice is direct cause for suit, ,I am willing to sue and obtain punitive damages and I have enough evidence to send to my attorney XXXX XXXX XXXX XXXX XXXX Bar Admissions : Alabama, 1995 United States XXXX XXXX XXXX and XXXX XXXX XXXX Alabama United States XXXX XXXX XXXX XXXX XXXX United States Supreme Court XXXX Alabama XXXX, the phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has all me information incorrect b/c of the FTC violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

this collection agency never sent me any written notification that the debt was the debt was valid and not outdate. possible violated FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. 

I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. 
The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. 
I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. 
Now I find out they closed my acct on XX/XX/XXXX. 

I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.
Product: Vehicle loan or lease

XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. 

XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX  purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.
Product: Credit card

I have had a credit card in good standing with Discover since XXXX. In or about XXXX they started charging me a credit protection fee with out my knowledge. I was a student at the time and my parents paid my credit card bills so I never noticed the charges on the account. In XXXX ii was in a class action suit against discover for charging me this fee and received a check for this situation however with out my knowledge they continued to charge my account up until I took over my bills from my parent in XX/XX/XXXX when i noticed this charge and called them to immediately remove it as i did n't authorize these charges.. Discover states I verbally committed to these charges. # 1 I was XXXX # 2 If I was in a class action suit why would you continue these charges after the lawsuit? # 3 I have called numerous time with people at discover stating they would credit me yet i only received a credit for XXXX and a letter stating they are only willing to go back 6 months.