23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Ocean Park Funding called and threaten me today. They said we will take legal action against you. And I said I am using a debt settlement company that consolodated all my bills and they would not listen. They also continued to call and threaten me while I was at work. Calling me on the job theating me while my supervisiors are wondering what going on. 

They could cause me to be fired for all there interruptions on the job, please address this matter with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 


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

I am writing this complaint to CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

A qualified written request was submitted to the lender on   XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

XX/XX/XXXX I was a charged {$290.00} for a purchase I did not authorize I was just informed about it on XX/XX/XXXX The company XXXX  XXXX gave that collection to a third party company called XXXX XXXX Im asking for quick removal of this charge off which was fraudulently used without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the XXXX program. XXXX  XXXX XXXX sold our mortgage to Carrington shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX.
Product: Debt collection

On XX/XX/year> I notice that Eastern Account Service reported a debt of {$470.00} on my credit report. However they never contacted me before placing this on my credit report and did not give me a chance to dispute the debt before they reported to credit bureaus. 
On XX/XX/year> I called CFPB to complain about it and to file a complaint against Eastern Account services. I also stated to CFPB that I am requesting validation of the debt you ( Eastern Account Services ) claim I owe to [ XXXX ] and to show proof that they have a written agreement letter or contract with XXXX stating that you ( Eastern Services ) have permission to collect a debt on behalf of XXXX. The letter must be from directly XXXX with contact information and not Eastern Account Services. 

I also Specifically, I request : 1. Verification of debt ownership 2. Original contract or agreement 3. Proof of payments, last date of payment, account number, invoices or credits 4. Breakdown of debt amount and interest 5. Validation of any assigned or transferred debt Please provide : - A detailed accounting of the debt - Copies of all relevant documents - Proof of authority to collect and proof that XXXX is a client of their. 

I dispute this debt until validated. 
Please cease collection activities until validation is provided. If you can not validate this debt, I request : - Immediate removal from credit reports - Confirmation of debt elimination Please respond within 30 days. Failure to validate will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Easter Services did not provide any of the supporting documentation ( s ) I requested. However Eastern Account Services responded back to CFPB saying We have permission from all of their clients to collect a debt But did not show any proof of this.

This is not acceptable. The fair resolution to this should be. Due to Eastern Services whom did not show any supporting evidence or documentation ( s ) that I
have requested for validation of debt.

THEREFORE I am requesting for Eastern Services to immediately delete/remove the debt from my credit report, cease contacting me and to cease reporting again.
Product: Consumer Loan

Over the phone loan based on a " you qualify '' flyer from bigpicture loans. They told me I could pay it off in XXXX payments and that my payment would be {$100.00} per pay check because they would put me on special payoff plan. I borrowed {$500.00} after XXXX payments I called to make sure it was paid off and they said I still owed and had n't paid anything off, only interest and that it is set up for XXXX payments set up for 785.79 % that ca n't possible be legal. I called them and they said I just have to pay it because they post the rates and payment schedule on line even if I did agree over the phone, also they are a XXXX that is not subject to US Federal regulations. I now have paid {$980.00} and they say my loan is till {$420.00} out of the {$500.00} i borrowed. There is no way this can be legal, how can this be.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I wrote to each of the Consumer Report Agencies ( XXXX, XXXX, and Experian ) and told them that they were breaking the law by putting my private accounts into XXXX XXXX and I wanted them deleted. I also gave them my correct name and address because they had incorrect information. At that time, I also expressed that I did not have any CHARGE-OFF 's or Collections because each company settled the accounts and the rest of the money was filed on my taxes as personal income, but they kept it on my report. I wrote them again, but this time I sent it certified mail ( I have the stubs with the receipt numbers on them ). I expressed at that time that they and the furnishers were breaking the law by reporting XXXX 's on my report. I cited 15 USC 1681a ( 2 ) ( i ) because the accounts were, by law, not debt, but personal income ( once each company gave me a XXXX and I reported it on my taxes ) ; 15 USC 1681s ( 2 ) a ( 1 ) A because the Consumer Reporting Agencies are a third party and I never gave my written permission to have the furnishers report my information to them. In the third letter dated XXXX XX/XX/XXXX, ( I also reiterated that they put my personal information into XXXX XXXX and although it was removed from XXXX XXXX, they reinserted it into my consumer report. I just want this matter solved and my honor and reputation restored.
Product: Credit card

I signed up for the Chase Bonvoy Marriott credit card XX/XX/2023. They were offering a sign on bonus. I was looking forward to getting the points for future stays at your hotels. If I charged {$3000.00} to the credit card in the first 90 days, they would give me XXXX certificates for free nights and one free night yearly. The Marriott credit card never arrived so I was not able to activate it or use it. They billed me {$95.00} for the annual fee immediately upon my signing up for the card and sent me a bill. It was not until I called them and asked where the card was, they informed me that my first bill was past due. I got them to send me a new card and started using it and immediately paid the {$95.00} bill. I charged {$3000.00} in the next XXXX months and waited for my Marriott bonuses to arrive in my Marriott Bonvoy Account. Unfortunately they never did. I then called your customer service and they said to call Chase. Chase said the {$95.00} did not count and therefore I was not eligible to get the sign up bonus as I was just under the {$3000.00} spend. I asked for a special exception as I was so close to the {$3000.00} and they said NO. So I asked for a refund of my {$95.00} and they said they couldn't give me that either. So I asked them to close my account since they did not provide me with the satisfaction and the performance of those terms according to the credit card agreement I then contacted Chase and after a few calls I was told I WOULD get my {$95.00}. After months of not receiving the refund back, I called several more times. The last time I called, I told them I felt like I was getting ghosted. They finally called me back on XXXX  and told me that they will not refund my {$95.00} because I did not close it according to their terms.. They record the calls and they claim the can not find the call of the representative that told me I would get my {$95.00} refund. Since Marriott is promoting this card in all their Marriott locations, I would like Marriott to be part of this compliant also. Both will not refund my {$95.00} which I am due because they did not give me what was agreed upon sign up for the card. Chase is very cutthroat with their customers when you have an issue with their credit card. When you complain they close your complaint out in XXXX days and make a determination in their favor. If you complaint to the XXXX about them. They just respond and say you can't get a refund based on their policy. A representative told me I would get a refund and now even though they record all calls they can not find that particular recording. I want my {$95.00} refund. Their policy not to refund a customer who did not get the satisfaction promised is deceitful and misleading. They do not want to give me what was promised to me a refund of my {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XX/XX/XXXX18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXXXXXX XXXX  account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within XXXX XXXX of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : XXXX : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
Equifax : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ). 
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.
Product: Credit reporting or other personal consumer reports

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX  to remove the inquiry from my credit report and resubmit it it to the XXXX.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Mortgage

Settlement and modification was negotiated between Plaintiff/Defendant on foreclosure in XXXX 2011. Recorded documents by Plaintiff reflect fraud in that HAMP Modification Header was fraudulently attached. This was not a HAMP - no application was completed by homeowners. Further undendorsed copy of note was attached to modification. ENDORSED NOTE was filed the day after summary judgment hearing in which summary judgment was granted. Endorsed note was not filed prior to hearing and not available for homeowner to inspect prior to summary judgment hearing. 
# XXXX ISSUEModification amounts were provided by OCWEN to Plaintiff. Homeowner made payments as promised until Ocwen refused to accept payments as escrow shortage existed. One payment is still in suspense. Repeated efforts by homeowner to Ocwen were met with misinformation. 
Homeowner was again forced to obtain counsel to solve issue. 
Ocwen has publicly stated repeatedly that they do no require confidentiality statements from homeowners, yet we signed one and are still barred so I can not attach copy even though they recorded. Ocwen did not show good faith in that they made representation to my counsel that modification/settlement would not be recorded - yet they recorded fraudulent documents. This situation remains unresolved, despite homeowners best efforts through counsel to resolve
Product: Credit reporting or other personal consumer reports

I looked at my credit report last month and i saw some accounts that i didn't recognize. I called the creditors and found out that these accounts were open without my knowledge. I called the credit bureaus and followed their instructions but they haven't removed them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I was planning to close my Capital One account and had accumulated {$130.00} in cash / rewards on the card over 11 years. I called on XX/XX/XXXX and was told by the automated system when my account was closed, I would forfeit my points. Prior to closing XXXX, I used my Capital One Rewards points to purchase an XXXX gift card for {$130.00}. It appeared as if my points went through. I then contacted Capital One to close my account. One month later, I received a bill for the {$130.00} that was supposed to come out of my rewards. I contacted Capital One and they said I was responsible to pay for the {$130.00}, even though it was supposed to be with my cash / rewards that I had accumulated over 11 years.