23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i entered into a mortgage with XXXX XXXX XXXX XXXX program and this was an amazing experience - everything was working correctly with my regular mortgage ( principal + interest ) payment and PMI being auto deducted every month with explicit direction that home insurance and property taxes are not required to be handled via escrow and that was preferable JPMC then assumed this mortgage and has messed up my monthly payment about 6 times since they assumed the loan less than a year ago initially they assessed the entire XXXX  building 's property tax to my escrow account and even after XXXX in person meetings in the branch and countless hours wasted on the phone Chase is XXXX refusing to honor the original terms of the mortgage i signed and is assessing property taxes to be paid via escrow even though I am paying these myself directly with the XXXX XXXX XXXX and have explicitly told JPMC several times they are not authorized to do this on my behalf because it is not a requirement of my mortgage and i declined the " convenience offer ''
Product: Debt collection

XXXX XXXX, Debt Collector at Kimball , Tirey & St. John LLP called me to discuss a debt that she has been assigned to collect by a former apartment landlord of mine dating back to a XX/XX/year> move-out date. The debt collector acted subjectively, telling me my debt was low and fair. When I told her it was her opinion that the debt is " low, '' she got very bothered and hung up on me. Since then, she hasn't answered my returned calls. I have important information regarding my next steps on the debt collection - but no ability to contact her - this seems like a violation of the Rosenthal Fair Debt Collection Practices Act ( I am a California resident ) because she needs the information I have to communicate back to the debt holder ( landlord ) so that we can come to a resolution. Without my information, I'm not sure how that is possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud7. Fair Debt Collections Practices Act 15 USC 1692g violations8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute the information related to account XXXX XXXX XXXX XXXX on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.
Product: Debt collection

This company is a complete joke. The statue of limitations to sue on this debt has been expired but they were granted a judgement even after submitting all my answers with the court. The statue of limitations in AZ is 4 years on auto debt. The date of last activity was XX/XX/XXXX. It is XXXX of XXXX. Even after letting them know i am not working and can not fulfill their XXXX XXXX  monthly payments they are not willing to work with no one. I am almost positive they lied and stated they did not receive my disclosures statements in the mail because this is unethical.
Product: Mortgage

In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We  immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.
Product: Student loan

I have been paying on school loans since XXXX. I have worked in a nonprofit/public sector since XXXX and therefore, I have may more than the XXXX payments on student loans. However, none of my payments prior to XX/XX/XXXX are showing up. All of my employment since XXXX has been approved by XXXX as qualifying employment. I have made phone calls to the Office of Student Aid, the ombudsman and XXXX and have not gotten any help. When I call, I get told to keep waiting for the system to update or XXXX tells me to call Student aid, then student aid tells me to call XXXX. I've tried to get these updated since XXXX of XXXX. I have documentation that shows I made payments to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I was in in-school deferment from XX/XX/XXXX and then XXXX hit and all loans were in administrative forbearance. Then my account was then transferred to XXXX in XXXX of XXXX. 

I am seeking help getting these payments to show up so that I can finally get XXXX approved. Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5200.00} ; XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. XXXX XXXX XXXX regarding account # XXXX. Sections XXXX and XXXX of the FTC Act Section 9 of the FTC XXXX authorizes the XXXX to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. XXXX5 U.S.C. Sec. 49. Any member of the XXXX may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency XXXX administer oaths, examine witnesses, and receive evidence. Id. ; XXXX XXXX XXXX, XXXX C.F.R. Sec. XXXX. If a party fails to comply with a subpoena, the XXXX may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the XXXX files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court XXXX enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The XXXX of XXXX routinely uses the subpoena provisions of Section XXXX to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC XXXX Amendments of 1994, the XXXX XXXX XXXX also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the XXXX XXXX XXXX XXXX XXXX use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC Act Sec. 20, 15 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and XXXX may be used to obtain existing documents or oral testimony. But a CID XXXX also require that the recipient file written reports or answers to questions. XXXX XXXX. Sec. XXXX ( c ) ( XXXX ). In addition, Section XXXX expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under XXXX XXXX XXXX, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full XXXX. The Commission XXXX petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a XXXX enforcement action than in a subpoena enforcement case.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I sent payments to an individual through XXXX in my JP Morgan Chase Bank account app. I never received the item or a tracking number indicating that the item had been sent and the seller stopped communicating. I also received a notice through the website the ad I was responding to had been flagged as a scam. When I sent the payment, I did receive a warning to not to send money to people you don't know. Unfortunately, I believed the seller 's legitimacy and identity had been independently verified through a third party, only to find out after I sent the payments that the third party hadn't actually received the confirmations yet. 

I contacted Chase to report the issue, and see if they could reverse the payment or help me recover my money. First, it took me two days to even contact someone that could even answer my questions/ deal with this issue. This is when I discovered that even though Chase integrated XXXX into my bank accounts and banking applications, XXXX is actually a separate business not directly connected to Chase. This was not disclosed to me in any obvious fashion when I went to use XXXX for the first time for this incident. A big part of the reason I was comfortable sending the payment was the false sense of security that the funds were being sent through Chase bank and therefore would be traceable, recoverable or be otherwise disputable. I basically thought that this was a form of payment similar to using my debit card. I also thought that with XXXX being part of Chase ( as I thought at the time ) that the the seller would also have to have an account with Chase, further enhancing the ability to recover the funds in case of fraud/scam. 

Upon further research after the fact, I discovered that XXXX is a favorite tool of scammers because of the fact that people don't understand the true nature of their relationship with banks and because people trust that transactions through their bank are safe. Also there is no way to trace funds because XXXX acts as a firewall beyond which the bank can't see where the funds go. This has been a known issue for years as a simple XXXX search turns up news articles about this issue from as far back as 2018. 

When I contacted XXXX on the advice of my bank, they basically told me " too bad so sad '' and that I should deal with my bank. There wasnt even a way to report fraud with XXXX. When I finally reached a customer service rep, she said they would investigate the issue and if they found evidence of fraud they would shutdown the users account. When I asked if they wanted evidence of texts, emails and witnesses, they said No and that it had to be evidence in their system. In other words they probably wont even shutdown the scammers account. They didnt even offer to make a police report or try to help me recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation of these items and their subsequent removal from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor can not validate must be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

I kindly request that you send an updated copy of my credit report to the aforementioned address. Under the provisions of the act, no fee should be charged for this updated report. Furthermore, I would appreciate it if you could notify any parties who have received my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( XXXX ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.
Product: Credit reporting or other personal consumer reports

Cash Net USA said I have an outstanding balance due of {$3900.00} on there behalf and Im reporting it as fraud because I didnt get a line of credit from them ever!