23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a reverse mortgage issue. My father passed XX/XX/XXXX. We have had difficulty purchasing the home because apparently my fathers name was never on the home. PHH mortgage did not submit the proper paperwork in XXXX which has created financial difficulty for my family. XXXX will not give us a loan to purchase the home until this situation is corrected. We are not able to pay an attorney. 
In addition, the property suffered interior damage ( water damage {$80000.00} ) XX/XX/XXXX during the extreme winter weather. We tried to work with XXXX but our claim was rejected. I contacted HUD and PHH mortgage and explained the issue asking for additional time. HUD agreed to give us this time however two weeks after the agreement I was served with foreclosure papers. No one came to the home to inspect the damage. Photos will show how much work needed to be done in the home. Now, six months later, the balance on the home has additional interest fees, attorney and late charges, I have incurred tremendous debt and have suffered many sleepless nights due to this situation. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX, has violated my rights. 
15 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Product: Money transfer, virtual currency, or money service

Several attempts have been made to resolve with both the seller, XXXX and PayPal ( guaranteed protection money ) to no avail. 
On XX/XX/XXXX XXXX I saw an ad for patio furniture. I bought using PayPal to ensure protection value ( receipt provided ) XXXX XX/XX/XXXX XXXX I went to the email confirmation to check tracking information. Clicked on Order # XXXX, this link directed me to store details, immediately it then directed me to a Store Fraud link ( screenshot below ). I emailed the seller contact listed to CANCEL ( XXXX ). I contacted PayPal XXXX and filed Case # XXXX stating Unauthorized Transaction ( since i canceled ). I received another receipt email stating Payment CANCELED ( screenshot below ) XX/XX/XXXX XXXX I went to PayPal and found that they closed the case stating it was not unauthorized. I had received a Failure-Notice email on that contact email provided. 
I re-Opened another case XXXX with PayPal XXXX explaining the situation and providing documentation.PayPal closed that one stating seller provided proof of delivery and tracking number. 
Immediately, I contacted XXXX to trackdown this supposed delivery. XXXX provided me with the tracking # details and researched the issue. Stating that it is obviously fraud, as the valid proof delivery details are BLANK and never delivered to me. 
I opened another PayPal XXXX Case # XXXX and provided everything from XXXX. 
XX/XX/XXXX XXXX PayPal closed the case again with NO EXPLANATION ( Not eligible? ) XX/XX/XXXX XXXX I tried to open another case # XXXX to dispute the status results and they automatically defaulted the case to Closed. NO Explanation This company is supposed to have a protection plan for the consumer from online Fraud just like this scenario. I have an ample amount of evidence supporting this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.
Product: Vehicle loan or lease

I have problem with Honda financial services I paid to cars from two different account first one the older is Honda crv 2012 account still open and making payment every month. The second account it's Honda accord 2016.honda financial services thay took the the from because iwas behind sixty days for my payment. They have the car since XX/XX/2018 more than a month and still the account is open and it's affecting my credit report and my credit score it's not fair please resolve this issue for me I am not able to do anything. Thank you very much for your help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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, credit repair services, or other personal consumer reports

I received a credit inquiry om my XXXX file on XX/XX/2023 from Onemain Finacial Servives. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.
Product: Credit card or prepaid card

Purchased time share XXXX XXXX XXXX XX/XX/XXXX {$15000.00} down payment on two charge cards for a $ XXXX bill. I was told with a program they had, I would get all my money back in 20 years. I went to cancel it the next day and was told I was locked in due to authorizing them to take my other 2 timeshares. So instead, they lowered the points and cost to {$38000.00} but retained my large downpayment and would not refund. Upon returning home I found out they lied, and I was able to cancel and that no one owned my other timeshares except me, as they had NOT been transferred to them as stated. They only offered three days to cancel. I have been fighting since to get out of this contract and get my money back. 

I disputed the charges split between RCI Barclays Rewards MC {$6700.00} and XXXX XXXX {$9000.00} around XX/XX/XXXX. Both put a hold on the charges. I eventually sent paperwork and information on what transpired with this purchase. Within a month or so XXXX released me from any financial obligations. I received a notice about dispute ID : XXXX XXXX from Barclay XX/XX/XXXX that I had provided insufficient proof. I had made several calls prior to ask what they needed and received no input. I collected all the info I could and sent it to them, opening a new dispute ID : DBO XXXX shortly after the prior letter was received. 

During all of this I had been in contact multiple times with XXXX XXXX XXXX. Finally, after much push they released me from the contract because they knew their agent had lied to me. But they had me sign a paper on XX/XX/XXXX, that stated something about my having to deal with my financial obligations to the other entities that I had paid. I sent this release letter to Barclays. 

XX/XX/XXXX I received a letter stating I had provided insufficient proof again to Barclay. I called and spoke with an agent at Barclays MC who said they could not help me any further. I was beyond devastated. This means I am free from the contract with XXXX XXXX but still owe {$6700.00} for NOTHING. I recently sent everything to the corporate offices of Barclay Bank with a letter addressing this signed XX/XX/XXXX. They have not received it yet. 

XXXX did the honorable thing. I am turning XXXX in a month. I can't afford to lose that money. I have a Developmental Delayed adult daughter I support who was coerced into also signing this contract with XXXX XXXX saying it was the only way she could go with her other sister if I became incapacitated or died. This has been one horrible event in our lives that has caused me illness due to stress. I hope you can help me and my daughter.
Product: Vehicle loan or lease

Hello. 1st & foremost I applied for financing with Carvana & was approved. On XX/XX/XXXX at XXXX I received an email in regards to the financing request. The letter stated that my credit score was XXXX & they they got the information from XXXX. I checked XXXX website to see if this was the information they have been reporting & according to the actual XXXX website, my credit score is XXXX. I believe Carvana is fraudulently saying my credit score is much lower than what it is to try to justify the ridiculously high 27 % interest rate that they offered me. 
Also I went ahead with purchasing the car. I authenticated my bank account with XXXX & authorized them to charge {$790.00} for a down payment. I received a confirmation email on XX/XX/XXXX at XXXX that my order was placed & the car was scheduled to be delivered on XX/XX/XXXX at XXXX. 
Carvana then requested further proof of address & a GA drivers license, stating that the state of GA requires consumers to have a GA drivers license to purchase a car. I questioned this, but was told by the Carvana representative that this was their policy & that I had the choice to take mommy business elsewhere. Given that I am in need of a new car, I went ahead & got the GA drivers license & at Carvanas request, uploaded the two requested additional documents on Sat XX/XX/XXXX. In the email I received & per the Carvana representative, I had until Mon XX/XX/XXXX to provide the requested documentation. 
On the evening of XX/XX/XXXX I went to check to see if Carvana had reviewed & processed the additional documents & was told the purchase had expired, although the original deadline had not even come yet.

I reached out to Carvana to ask about this & was told my multiple representatives via chat on Sunday XX/XX/XXXX that I would have to start the buying process over & pay an additional {$200.00} dollars on the down payment. Originally I authorized, via XXXX, a {$790.00} down payment. Now Carvana is trying to increase the terms saying I must now pay {$990.00} and receive the car at a later date than originally confirmed. 

When I was initially offered an approval from Carvana, the site said an interest rate of 23.61 %, but that significantly increased when I tried to purchase with Carvana. This is a predatory lending practice which is a violation of the TILA.

Carvana is violating my federally protected consumer rights.
Product: Debt collection

XXXX continues to report fraudulent debts in my name. A XXXX and XXXX XXXX accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to XXXX debt collectors back in XX/XX/XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XX/XX/XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021, I ask for the Mortgage loan interest rate since I prepare for the new home loan the loan broker didn't get my consent then pull my hard inquiries and it makes my credit score immediately down for points. I contacted with the loan agent, and she told me that she just run the soft credit report and also it will not effective for my hard credit, but in fact, I got the notice from my bank and it said someone run for the hard inquiries credit repot and my credit score was down in few points. I would want to complain for this loan broker issue, I didn't give them authorization to pull my hard inquiries credit and I didn't sign any paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : account balance XXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. 

You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. 
I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. 

XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings.

I was never served on this account, you are wrong court shows that I was never served I have proof you wrong.

We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent
you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. 

You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX  XXXX Ending in XXXX. 



Send me the cancellation letter via Consumer Financial Protection Bureau for my security. 

Within 7 business days. 



Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Have Tried Every possible way to cooperate with Equifax and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a XXXX from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent