23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paragon Revenue Service. Apparently my debt was sold to this company, so I set up a payment plan. Theyre claiming I only made one payment and the others were returned. They had my account information wrong and never attempted to make me aware of my payments not being processed. I am now on a payment plan with the XXXX who this is owed to. They will not stop contacting me and sending bills for money I do not owe them. It is exhausting and causing me so much XXXX XXXX.
Product: Credit card or prepaid card

ON XX/XX/XXXX. MY MONEY WAS WIPED CLEANED FROM MY XXXX XXXX CARD. THIS WAS OVER {$750.00}, THAT MY DAUGHTER RECEIVES FOR HER XXXX. I CONTACTED XXXX XXXX, AND WAS INFORMED THAT MY ACCOUNT PIN WAS CHANGED, AND THE MONEY WAS TAKEN OUT OF MY ACCOUNT AT TWO DIFFERENT LOCATIONS. I WAS TOLD THAT THIS OCCURED AT XXXX XXXX. I WAS ALSO INFORMED BY XXXX XXXX   THAT THEY ISSUED MY CARD TO THE WRONG MAILING ADDRESS. I WAS INFORMED BY XXXX XXXX THAT I WOULD HAVE TO FILE A FRAUD CLAIM REPORT. THEY ALSO INFORMED ME THAT THEY WOULD BE SENDING ME A NEW CARD, HOWEVER, THEY STILL CONTINUED TO SEND THE NEW CARD TO MY OLD ADRESS. I RECENTLY RECEIVED MY NEW CARD, HOWEVER, MY MONEY WAS NOT DEPOSITED BACK TO MY ACCOUNT. I ALSO RECEIVED A LETTER STATING THAT THEY WERE TRYING TO CONTACT ME, AND BECAUSE THEY COULD NOT GET IN TOUCH WITH ME, THEY ARE CLOSING ME CASE. PLEASE NOTE THAT WHEN I RECEIVED THE FRAUD QUESTIONARE, I FILED OUT AS MUCH INFORMATION, THAT I COULD. I ALSO SUBMITTED MY TELEPHONE NUMBER. NO ONE CONTACTED ME. I 'M NOT THE ONLY PERSON THIS WAS DONE TO. WHEN I WENT TO SOCIAL SECURITY, THERE WERE OVER 100 PEOPLE MAKING THE SAME CLAIM. XXXX XXXX, AS WELL AS SOCIAL SECURITY HAS KNOWN THAT THERE HAS BEEN A PROBLEM WITH THESE CARDS SINCE XX/XX/XXXX, HOWEVER, THEY NEVER SENT OUT ANY ALERTS, THEY NEVER ISSUED ANYONE NEW CARDS. I RECENTLY RECEIVED MY NEW CARD, NOW IT HAD THE GOLD SEAL. XXXX XXXX, IS NOT A CARD THE GOVERNMENT SHOULD USE. SOCIAL SECURITY ENSURED EVERYONE THAT THIS CARD WAS SAFER THAN GETTING A PAPER CHECK, HOWEVER, TODATE, THEY WILL NOT HELP ASSIST PEOPLE WITH GETTING THE MONEY THAT WAS STOLEN. XXXX XXXX, KNOW THE LOCATION, THE PERSON WITHDRAW THE MONEY, HOWEVER, THEY ARE REFUSING TO REFUND OUR MONEY. PLEASE HELP
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reporting, credit repair services, or other personal consumer reports

Transunion refused to remove " hard inquiries '' that I DID NOT authorize from my credit report. These inquiries with the following companies should be deleted immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since XXXX was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against TransUnion. I am a victim of identity theft and did n't authorize this inquiries of XXXX XXXX date : XXXX XXXX2017 and also XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX/2017. Also Open account under fraud in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and saw that this XXXX XXXX XXXX  was on there with {$190.00} balance and I wanted to find out more information so I called the company. I told them that I have no knowledge of this card. I've never submitted any information to have one and please close the account which they said was already closed by them, I need this removed off of my credit because it's hindering my credit score
Product: Debt collection

Communications via email and telephone threatening using processes that blatantly avoid legal process in hopes of inspiring fear as a tool to force agreement. Names are inaccurate for parties involved. Phone calls made to relatives who are not associated with the accounts. False representation of a creditor that has been dissolved in federal court. Original creditor is under investigation for lender violations and the case is still in process. Threats of using actions that circumvent the legal process and both business and personal rights. Threatening use of a legal process that was not included in the contract. No original contracts provided confirming the amounts in question as well as the legal ownership and informant rights of the collection company. Threats of seizure of personal property in a business matter. Made statements to us XXXX XXXXXXXX tactical when such UCC filing was not filed. Blatant action threats with misuse and knowledge of federal and local laws, due process and procedures. Threats of sending agents to personal residence.
Product: Mortgage

Around XXXX my wife took out a HELOC against the house we moved into. She took out this loan prior to us being married and my name was never on the original loan agreement. In XXXX she passed away. I've continued to pay on the loan through present day but never switched the loan to my name. Around XXXX I took out a second HELOC loan with Capital One in my name for the same property with no issue. At some point in XXXX, I tried to contact Capital One about the original loan in my wife 's name because the monthly payments had jumped from around {$250.00} to about {$700.00}. At that point, Capital One told me I would need to provide an executor letter in order for them to discuss anything about the loan with me. I did not have an executor letter because there was no will. I provided them with my wife 's death certificate, our marriage license, and a copy of the deed that shows my name on the deed, and still they insist on an executor letter. When speaking with attorneys about the executor letter it was explained that getting that letter would require going through the probate process and would involve lots of time and money. I did not have the time or money to go through that process so I continued to pay on the loan. I did discover on my own that the reason for the increase in payments was because the original payments were interest only payments and the new payments are now interest and principal. In early XXXX I tried to refinance the loan with another company but in the end Capital One refused to provide the payoff amount because the loan is not in my name. I wasted a bunch of time with the refinance process due to Capital One refusing to provide the payoff amount. Recently, I was asked if I ever tried to assume the loan. This had never been presented as an option in all my discussions with Capital One. When I asked Capital One about it I was told since I no longer live at the property, I don't qualify to assume the loan. I had just moved last year and have renters living there now. I don't understand how Capital One can legally refuse to deal with me on a loan that I have continued to pay on for a property that I own and have another loan with them for the same property. Now finding out that I could have assumed the loan during the time that I still lived there is even more frustrating. They've caused me a lot of time, frustration, and hardship by insisting that I provide an executor letter and never giving me any other options during the last 3 years I've been dealing with this. To date I continue to pay $ XXXX/month and they still insist on the executor letter in order to discuss the loan with me. Capital One has also stopped providing me monthly statements since the end of XXXX so I have no idea what's left on the loan and what is actually due each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Product: Debt collection

TransUnion has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. TransUnion was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. TransUnion has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that TransUnion is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against TransUnion because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Upstart Loan Operations XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate and XXXX XXXX XXXX Dear Upstart Loan Operations, I am disputing inaccurate and inconsistent information reported on my credit file regarding Account # XXXX XXXXXXXX. The reported charge-offs and delinquency statuses vary across XXXX, XXXX, and XXXX, indicating reporting errors that are negatively impacting my credit. 

Additionally, the monthly charge-off status misrepresents the Date of First Delinquency ( DOFD ), creating confusion and prolonging the negative impact on my credit file by making the delinquency appear more recent than it actually is. This practice unfairly extends the damage to my credit profile, contrary to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which limits how long negative information can be reported.

Under 15 U.S.C. 1681i, I request : 1. Validation of the reported information across all three credit bureaus. 
2. Correction or removal of any inaccuracies if validation is not possible.

3. Notification to credit bureaus of this dispute and necessary updates for accuracy and consistency.

Failure to correct these discrepancies may result in a CFPB complaint and legal action under the FCRA. Please respond within 30 days.

Attachments : Screenshot from all three bureaus highlighting inconsistencies Sincerely, XXXX XXXX
Product: Mortgage

Around XXXX 2015 I decided to refinance my property. 
My current mortgage company was not being responsive so I began working with QuickenLoans after seeing some of their advertisements. 
I spoke with one of their client agents ( XXXX XXXX ) who promised that they would be able to close within 45 days. The promise of the 45 days combined with their advertised success rate of 95 % is why I chose to go forward with them. 
I began the process XXXX/XXXX/2015, sent them all of the required information. I was n't getting any communication so I went to the website to check the status. 
Each time I went to the website I would get a call from an agent assuring me that " We are almost there ... '' and asking for more information which I would provide. This went on, back and forth, them asking for more information, me providing it and getting empty reassurances week after week. The 45 days promised came and went. 20 more business days later, they finally sent out the notary with the contract. She asked for my ID and the name on the contract did not match so we could not close. 
All that time and information exchanged and the QuickenLoans agents still could not get the simplest thing right. That was the last straw for me.
Product: Payday loan, title loan, personal loan, or advance loan

My interest rate is almost 38 %, I am applying for the 6 % max interest since I am XXXX XXXX XXXX currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/inaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXXinaccurate information reporting across all bureaus and claims information was verified.
Product: Vehicle loan or lease

well its a long story but apparently the got the documents showing we were filing for chapter XXXX with affirmation of vehicles and they came and took the car husband went after them all the way to XXXX ar and they wouldnt let him get his things or anything and making him pay to get it out and wont let him and wont work with us jd byrider XXXX ar XXXX XXXX XXXX
Product: Student loan

I took out private loans to help pay for XXXX school. I was advised of the amount borrowed when I took out the loans. I was advised of the interest rates. However, I was never informed of how that interest would accrue. I have XXXX loan that the amount borrowed in XXXX was {$27000.00}. I have made regular payments of {$600.00} per month and pay more when I can. These payments began in XXXX when I graduated from XXXX. I now owe {$69000.00} on the loan. TRIPLE what I originally borrowed despite regular payments. I feel like these are unfair lending practices.
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my credit report and noticed an inquiry from XXXX XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 card

Dear CFPB, I participated in a credit card promotion with American Express whereby I would receive XXXX Membership Rewards points after spending {$3000.00} in 3 months. I received the card in mid XXXX 2016 and received the bonus only a few weeks later on XXXX XXXX, 2016. I had met the eligible spend and then returned a few purchases but did not realize that the returns put me below the eligible spend until XXXX XXXX. The reason I was unaware is because American Express did not adjust my points balance until nearly 3 months after the fact. The reason for this dispute is that I find it deceptive how American Express did not adjust my points balance in a timely manner or notify me to allow me to rectify the situation. I ended up being only about {$450.00} below the spending requirement, which I surely would have been able to do had I known I was below the requirement. American Express should not have awarded me these bonus points AND kept the points in my account for more than two months after the returns. It therefore became very difficult for me to keep track of my status in terms of the points promotion and spending requirements.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Received in the mail XX/XX/XXXX Owed since XX/XX/XXXX XXXX XXXX asking for XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received XX/XX/XXXX in the mail congratulating me on inquiry letter Creditor : XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX at XXXX transaction authorization history XXXX $ The XXXX XXXX XXXX XXXX  notice XX/XX/XXXX XXXX no date received in the mail XXXX XXXX inquiry on XXXX XXXX XXXX inquiry on XXXX Trans union is requesting me to make a XXXX report to get these XXXX inquiries off of my credit report i have no relationship with this company, therefore fraudulent. 

XXXX XX/XX/XXXX XXXX inquiry on credit report for XXXX XXXX XXXX XXXX bank inquiries are fraudulent Note : None of these companies have i had a prior or current relationship with and are all fraudulent.
Product: Debt collection

Several years ago we were with XXXX car insurance. We NOTIFIED them that we were going to no longer use them for our car insurance. But someone on their end evidently did not put that notice in their system. So they tried billing us for a debt we did not owe! And we had given them over a month 's warning! Now they have put a debt collection agency on us for a debt we do not owe claiming we owe them {$230.00}! ( in fact they advertise about {$19.00} a month I think ). They are saying that this debt was owed as of XXXX. This is not true at all as we've been with another car insurance company for more than a year on a vehicle we rarely drive. In fact all this happened about the time of the pandemic. Now we are getting harassing letters from Kinum , IncXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Vi. XXXX phone XXXX threatening us ( and yes we are XXXX XXXX living off of Social Security! ). I had written them before this and yet they sent us a second bill. Even a stamp is expensive and now I'm having to use two stamps for a bill that we do not owe! I had written them before XX/XX/2022. They say that if we do not dispute the debt by XX/XX/XXXX then they assume the debt is correct. I can not provide the date we notified root, but it was about a month or two well before the annual bill was due. I received a threatening letter today even though I had notified them IN WRITING that we did not owe this outrageous debt! I am mailing back a SECOND notice to Kinum that we do not owe the debt! XXXX insurance AND this Kinum that we do not owe money to are trying to collect a debt that is not owed! This is XX/XX/2022 and I am now notifying them again that we do not owe this debt to them or to XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor XXXX  XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from Trans Union, XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.