23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I asked my bank ( XXXX XXXX ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : XXXX, TransUnion, and XXXX. Both XXXX and TransUnion referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX  information was mostly correct. I contacted TransUnion to dispute the incorrect information. After two calls, a TransUnion representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting XXXX   either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like XXXX and TransUnion permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like XXXX and TransUnion. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like XXXX  and TransUnion places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?
Product: Credit card

On or around XX/XX/year>, I lost my Fortiva credit card issued by the XXXX XXXX XXXX There were multiple charges made that I did not make. The card was lost and the fraudulent charges were made while I was on vacation with my family. I noticed the card was missing and the charges on about XXXX XXXX. When I returned home a few days after, I reviewed my online account and documented the fraudulent charges. On or about XX/XX/XXXX, I contacted the customer service department to notify them of the lost card and fraudulent charges. A few weeks later, I received a letter from Fortiva stating that the fraudulent charges were my responsibility due to not contacting them at the exact moment I noticed my card had been lost and fraudulent charges were made. I attempted to contact them again regarding this and they only stated the process was closed and they deem me responsible for the charges. From information I found online regarding the Fair Credit Reporting Act and federal law pertaining to disputing fraudulent charges, I was not and am not bound by any law stating that I have to contact the credit card the same day I notice the fraudulent charges. This company is ignoring federal law and the FCRA by holding me responsible for these charges and reporting my account as past due as I have not and will not pay for charges that I did not make. Any assistance is very much appreciated. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


XXXX XXXX XXXX XXXX XXXXXXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by Comenity Capital Bank and XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least XXXX party. I am hereby giving you advance notice that I XXXX decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record.

Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following.

I refuse to pay this debt. 
Send and XXXX XXXX pursuant to XXXX XXXX XXXX ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) XXXX the Consumer all demanded remedies, and XXXX ) XXXX result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, my account on a vendor 's website ( XXXX ) was hacked and many hundreds of dollars worth of goods were charged to my credit card account. The XXXX XXXX hack was a well documented data breach affecting millions of customers and I was one affected. 

I contacted XXXX XXXX support and they were able to reverse a charge that hadn't shipped, but they said they were unable to reverse a second charge, and to take it up with my bank. 

Later that day, I contacted Chase Credit Card services to report fraud on my account. One call after another, I would eventually hit a dead end with trying to report this incident. The fraud department said since I had a previous relationship with the company ( set up an account with my Credit Card ), it could not be classified as fraud, it was a case for disputes, and when I got transferred to the disputes department, they said that since I had not ordered anything, it could not be considered a dispute. I called multiple times and finally got transferred to a fraud specialist that filed the charges as fraud. 

Today, XX/XX/XXXX, I was notified that the charges were put back onto my card. Chase once again bumped me from representative to representative, saying that the transaction was considered authorized. 

Both XXXX and Chase have made it intentionally hard to retrieve fraud money back, with lots of blame spreading and weird loose classifications of fraud and disputes where they can put you into a black hole of service where you never get your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00}.
Product: Credit reporting

Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. 
ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to contact the companies and agencies since XXXX. No one seems to be interested in helping me. This situation has put a very negative burden on my life as well as effected me mentally.
Product: Debt collection

Recd a text message from Shepherd Outsourcing Debt Collection for a Debt I am unaware for a company called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Product: Debt collection

On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the agent sold me a 6 months auto insurance plan. I fully paid the amount before I left their office. On the next day, she called me about increasing my rate so both of us agreed to cancel my membership which I had paid. XXXX said the company will mail me the refund. I didn't receive their refund check due to the pandemic mail service delay. I called my bank to stop the transitioned I made on date XX/XX/XXXX. I had never received XXXX 'S refund check up to date. By XX/XX/XXXX, I received a letter from AWA Collections, claiming that I owed XXXX XXXX {$930.00}. ( reference number # XXXX & XXXX ) I called AWA Collections through their phone # ( XXXX ) XXXX. They said they would need my paper proof about my cancellation which I have never received from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 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: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX and XXXX reported late payments in XXXX and XX/XX/XXXX, while XXXX reported three late payments in XXXX, XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XX/XX/XXXX.  There are also several inconsistencies regarding account XXXX in the payment history section. EXXXX is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX in the months of XXXX, XXXX, and XX/XX/XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.
Product: Mortgage

I have been trying to work with PHH Mortgage for several weeks over my loan modification. My loan matured in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I asked PHH if they ever called me or sent an email to let me know of the loan maturation as I did not remember from when the loan was given in XXXX. PHH informed me they never called nor did they email, but they said a letter was sent in XX/XX/XXXX, but could not prove the letter was ever sent as there is no tracking or signature for the letter. 

On XX/XX/XXXX PHH said my application was " complete '' and furnished a letter saying the same. On XX/XX/XXXX I talked to XXXX, my customer representative who said I was missing documents and my application was not complete. I asked to talk to XXXX, his supervisor, who never called me back as of XX/XX/XXXX. I talked to another supervisor who said I did not need to supply all the documents I was told to supply and he would make my case a " top priority '' and would " expedite '' the process and he would call me back with an update. I never received another call from this person and when I called on XX/XX/XXXX I was promised things would be reviewed. I never heard back on XX/XX/XXXX and I called back on XX/XX/XXXX and was told I needed more documents I had not been told about. On XX/XX/XXXX I was once again asked for more documents, this time by XXXX. I was told I needed to do a hardship letter, which was asked for by XXXX XXXX XXXX, the investor. This request came through on XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked if this was normal or just something pertaining to me. XXXX said this never happens, which leads me to believe they are discriminating against me for some reason. I have yet to hear from the supervisor who said he would call me back, even after calling three times today. 

PHH has been impotent, incompetent and irresponsible. They have forced me to stay with them for this modification and loan as I can not get a loan with any other organization since I am now delinquent on the loan. My credit score, which was over 750 is now in the low 600 's, making getting a HELC impossible as well. They are forcing me into their program at whatever rate they want as they know I can not go anywhere else, which is predatory in nature.
Product: Mortgage

Refund Request To whom it may concern, I closed on my refinance on XXXX the funds to payoff Lakeview were wired and received on XXXX. Please see the attached confirmation from XXXX XXXX to confirm when the wire was received. The XXXX payment was included in the payoff on XXXX that you received. I received a letter from Lakeview stating that I needed to make a payment or Lakeview would report to my credit. Therefore, on XXXX I made the payment. After speaking to my current lender, they advised that I did not need to make that payment as it was in the payoff that they sent to Lakeview on XXXX. With this being said, I need for you to send me my full payment I sent in error on XXXX. 

I was told by a representative, XXXX, that I needed to write a letter and also include the proof that you had the wire 2 full business days prior to XX/XX/XXXX and therefore you would not need any additional funds from me. XXXX, also stated that Lakeview did not receive the payoff until XXXX, this is inaccurate as you can see with this attachment. I am NOT responsible for the delay in which XXXX XXXX receives funds and then moves it over to the payoff department. This is something that your company will need to handle on your side. 

I expect a full refund for what was paid in XXXX as my overpayment. 

I have a Ledger Report showing it was paid on XX/XX/2021 which is 2 days prior to the end of month. I can show proof at a later time as there is to much private information on it to share here.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XX/XX/XXXX- XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XX/XX/XXXXXXXX - XX/XX/XXXX - {$2000.00} XXXX - XX/XX/XXXXXX/XX/XXXX - {$31000.00} XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX - {$570.00} XXXX - XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX XXXXXX/XX/XXXX XX/XX/XXXX - {$1100.00} XXXX - XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - {$740.00} XXXX - XX/XX/XXXX - XX/XX/XXXX - {$190.00} XXXX - XX/XX/XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX- XX/XX/XXXX - {$9500.00} XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX -XX/XX/XXXX- XX/XX/XXXX - {$440.00} XXXX - XX/XX/XXXX- XX/XX/XXXX XXXX {$920.00} XXXX -XX/XX/XXXX - XX/XX/XXXX XXXX {$160.00}XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 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

I have unauthorized charges on XXXX of my American Express cards from a merchant called XXXX XXXX, XXXX NY. There are XXXX charges, dated XX/XX/XXXX through XX/XX/2023, totaling {$95000.00}. I do not recognize this merchant nor did I purchase or receive goods or services in those amounts. I opened XXXX fraud cases with American Express on XX/XX/XXXX. As of XX/XX/XXXX, the claims have been denied and closed with no explanation or supporting documentation, no contact information, and no appeals procedures. I have repeatedly contacted the AMEX Account XXXX XXXX at XXXX, but no one has been able to provide the information that I need. My AMEX case numbers are : XXXX for the account ending in XXXX, and XXXX for the account ending in XXXX. Both claims are in my name as the primary account holder ; my wife, XXXX XXXX, is listed as the secondary account holder on both accounts.