23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from Trans Union on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.
Product: Debt collection

I am writing to formally address the ongoing issue Im having with Procollect, and to lodge a complaint regarding the harassment I have experienced. Despite my repeated efforts to resolve this matter, I have been subjected to repeated phone calls, threats, and rudeness from your representatives. 

Specifically : 1. Harassment and Rude Behavior : On several occasions, their representatives have contacted me using aggressive and threatening language. I have been repeatedly threatened with legal action and wage garnishment without any clear or accurate justification. Additionally, I have been treated with disrespect and unprofessionalism during phone calls.

2. Failure to Provide Requested Documentation : I have requested, on multiple occasions, the necessary documentation supporting the debt in question ( such as the original signed contract, proof of the balance owed, etc. ). To date, I have not received any of these documents, which is a clear violation of my rights.
Product: Credit card

Bank of America provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX, Acct XXXX XXXX XXXX. {$5500.00}
Product: Student loan

I requested a refund on EdFinancial of a certain amount of money. The request was sent but I would have to wait 150 days to get it. The issue is I had a vehicle accident on XX/XX/2022 but now I have to pay the remaining hospital bills, and chiropractor bills but need the money soon sense I don't have much time left. I was given the end of this month to pay for the mean time my lawyer gets the process done sense I was the victim in the accident.
Product: Credit card

Re : Complaint Against J.P. Morgan Chase - Incompetent Handling of Dispute Dear CFPB, I am writing to file a formal consumer protection complaint against J.P. Morgan Chase for their mishandling and outright neglect of a dispute I submitted on XX/XX/scrub> 2024. 

In my dispute, I clearly stated that the services provided were not as described and that I was deeply dissatisfied with the quality. I submitted XXXX pages of supporting documents, including an affidavit from a former employee of the merchant, which substantiated my claims. Despite this, J.P. Morgan Chase has completely ignored my submission. 

Specifically, J.P. Morgan Chase needs to reopen the dispute because they received my documents on XX/XX/scrub> 2024, but did not properly evaluate or consider them. Furthermore, the reason code for my dispute was not updated appropriately. J.P. Morgan Chase has demonstrated a disturbing level of incompetence in addressing my basic requests and in handling the reason for my dispute. 

Their response to my complaint has been supremely disingenuous, and I intend to escalate this matter and continue filing complaints until it is resolved. No consumer should have to endure such a level of incompetence and insincere behavior from a financial institution. 

I demand that J.P. Morgan Chase reopen this dispute as Visa guidelines allow this to happen based on my submissions. According to " Dispute Condition 13.3 : Not as Described or Defective Merchandise/Services '' : Dispute Time Limit : - Before initiating a Dispute, the Issuer must wait 15 calendar days from the date the Cardholder returned or attempted to return the merchandise or cancelled the services.

- A Dispute must be processed within either : - 120 calendar days of either : - The Transaction Processing Date - The date the Cardholder received the merchandise or services - 60 calendar days of the date the Issuer received the first Cardholder notification of the dispute, if both : - There is evidence in the notification of previous ongoing negotiations between the Cardholder and the Merchant to resolve the dispute.

- The negotiations occurred within 120 days of the Transaction Processing Date.

J.P. Morgan Chase has parroted erroneous information in this complaint and failed to thoroughly investigate it. Their response is a disgrace, and I demand better treatment and resolution of my dispute. 

Thank you for your attention to this serious matter. I look forward to a prompt and fair resolution. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX did not apply for a loan from XXXX they dont have my signature or premission on anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Product: Mortgage

Please find below a true and copy of a complaint I sent today to the Attorney General 's Office State of Illinois. Please find attached copies of statements dated 3/4/21 from Michigan Mutual verifying escrow balances and copies of refunds dated XX/XX/21 from Michigan Mutual with a total of {$1100.00} missing. 

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX P.M. XXXX XXXX XXXX Extreme Loans current lender ) and I called Michigan Mutual on a conference call and we spoke to XXXX XXXX no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX XXXX no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX Tax Assessors office who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

XXXX, a representative from First Financial Asset Management, called me from this number : XXXX, to collect a debt that is not mine. Additionally, this company and representative did not do ANY due diligence prior to contacting me ( or they would have known not to contact me ). How can it be legal for them to contact me, ask " what am going to do about a bill he 's looking at '' that I am not responsible for in any way?? How can it be legal for him to contact me and not be fully knowledgeable of the purpose of the call? How can it be legal for XXXX XXXX to pass on my information to a collection agency, when they should know the details and know I am not responsible for this debt? Please advise.
Product: Debt collection

I have attempted to retrieve information from IMC credit and XXXX  Since XX/XX/2019. I have not received the documentation but regularly contact them. I have had another account go to collection and have not seen an invoice. This was previously agreed to be removed from another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Product: Mortgage

I have tried unsuccessfully since XXXX of XXXX to get Specialized Loan Servicing to close a HELOC which was never used / never had a balance. I have called more than 10 times, followed their online instructions as well as those received from their customer service reps, sent emails to various email boxes provided by them and even emailed their CEO, COO and Head of Customer Service - all without resolution. 

My first email requesting closure was sent to XXXX on XX/XX/XXXX and contained all required info ( payoff statement showing XXXX balance generated from their website, my driver 's license, etc. ) Upon inquiring why the account had not yet been closed on XX/XX/XXXX, I was told the email must have been lost and could I resend. I did so on that date but was instructed to send it to XXXX. I was assured the account would be closed by a supervisor by end of business. 

Later it was clear based on my online inquiry that the account was still open. I spoke with XXXX XXXX rep ID XXXX ) on a date I didn't record and XXXX on XX/XX/XXXX - both asked me to repeat the same process and insisted it would work this time. It did not. 

On XX/XX/XXXX, Specialized Loan Servicing sent a letter saying that I needed to provide homeowner 's policy information or they would force place insurance on my account - clearly it still has not yet been closed. I spoke with XXXX ( rep XXXX ) on XX/XX/XXXX at XXXX who again asked me to repeat the same futile process. I requested a manager and was told one would call within 24 hours - I have received no such call. 

Also on XX/XX/XXXX, I emailed all prior correspondence to the CEO, COO and Head of Customer Service at SLS. I have received no response from them. 

I am now at my wit 's end as to how to close this account - Please help me!!!
Product: Debt collection

I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Payday loan, title loan, or personal loan

On or around the XX/XX/XXXX PayPal chose to close my paypal credit account and effectively shut me out of all access to include statement and terms as well as access to timelines in relationship to 6month same as cash promotional offers. These offers timelines are important since they need to be paid at a specific time to avoid future finance charges. 
My paypal account was opened XX/XX/XXXX and has always been paid as agreed. I received numerous credit increases over the past year. PayPal took it upon themselves to shut my account with no warning. After speaking with various staff memebers I was informed it was due to a bankruptcy filed and XXXX in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The bankruptcy was public information though they claim they where not aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified, and compliant data documented in it! 

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting or other personal consumer reports

In accordance to FCRA these creditors have violated my rights. Under 15usc 1681 section 602 states I have a right to privacy. 15usc 1681 section 604a section 2 A consumer reporting agency can not furnish An account without my written permission. Under 15usc 1666B a creditor may not treat a payment on a credit card account Under an open, ended consumer credit plan As late for any purpose. These Companies such as Capital One, Credit One Bank, XXXX Capital Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX have violated my rights and requesting them to remove this information immediately.
Product: Debt collection

Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. 

I feel as though this is a violation of the Fair Debt Collections Practices Act. 

Lots of threats contained in this letter attached. 

Please investigate.