23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I had a car repair done at XXXX XXXX and I used my Goodyear Credit Card. I am a XXXX member and I was supposed to get a 10 % credit which XXXX had been giving me for the last year I had been getting my car repaired there. I neglected to get my credit when I paid my bill and I went back and asked them to credit my account and they refused saying that they decided not to be a XXXX member any more. They are still listed on the XXXX website as a XXXX garage. 

I being a member of XXXX am supposed to get a 10 % discount at a XXXX garage. XXXX XXXX where I had the work done is located at XXXX XXXX XXXX, XXXX, Indiana XXXX is listed on the XXXX website as a XXXX garage. XXXX XXXX has an agreement with XXXX to give XXXX members a 10 % discount. 

I contacted XXXX XXXX at XXXX who deals with XXXX garages and she told me that they had not told her that they do not want to be a XXXX garage any more and they still have them listed on their website as a XXXX garage. 

I called Goodyear Credit Card and filed a complaint. They sent me a letter on XX/XX/2021 saying that they would conduct an investigation and at the end of the investigation would be sending me a resolution letter with details on their decision and that I did not have to pay any related interest charges or fees during the investigation. 

I received a letter dated XX/XX/2021 stating that they had received a request for a credit on my account ad and in order to receive the credit to contact the store manager for further processing. That is all the letter said. 

I called Goodyear about the letter dated XX/XX/2021 and they said that the manager had refused to credit my account. 

I do not feel that this was investigated properly if at all and I do not feel like I got a resolution letter stating the details of their investigation. I have a legitmate issue and they are refusing to even look at it.
Product: Credit card

asked them why they extended resolution date for Dispute XXXX, when i have XXXX  tracking showing the merchandise was MISSING from the packages and email from Merchant acknowledging refund is owed to me... American Express just said they need to keep contacting the merchant, so it is like they do not believe me because I am XXXX and merchant is XXXX  american owned. 

the merchant told them the items were delivered, but the merchant then told me via email i am owed refund because they were lost ( the items werent in packages ). I showed this email to American Express. XXXX trackings also says merchandise missing. I also showed this to american express. there is only one obvious conclusion here, I am owed my money back..
Product: Mortgage

In the middle of escrow to purchase an investment property and considering my real estate agent 's legal obligation to represent me and my loan officer 's ability to close the loan, I discovered loan officer had been manipulating numbers, providing false disclosures, and deleting / editing words and numbers before they got to me, I voiced my concern and he said he di n't want to be part of this. Agent calls me and telling me loan officer has the right to cancel everything without me being notified. Agent also tried to have me sign a Buyer / Seller Cancelation of Agreement twice for 2 unrelated reasons, he has tried to have me sign this so I can be the one breaking the contract which would release him and loan officer of any of their obligations to close escrow. I reached out to the lender Nations Direct Mortgage and they had their secretary tell me 8 times in 2 days : " l 'll let them know you called ) but have gotten no call back or response to any of my several emails. I have reached out to their company 's managers several times and they had decided to stay quiet. Today, I sent one 1 email to all managers from all parties involved in the agreement and reminded everyone our escrow close date is in 5 days, and per the agreement I have performed all my duties and that they were putting me in a position to not meet the guideline, I also proposed for them to give me a signed declaration they want out so i can proceed to find another lender and agent, loan officer 's said he is going to have his attorneys contact me and that he is canceling my loan which i also find in violation of Fair Lending Act and as an act of retaliation to divert responsibilty. Also, loan officer when i refinanced 2 properties last XXXXI told him before the closing date I did not want to sign 1 of them because it was {$1000.00} off, he said i will get refunded {$1000.00}. The refund came about 2 months later form his business checking account in a written check, I asked him about it and he said that is how it is done, but now that i am reading about this case, i found out this was extortion, I reached out to send his money back and no response. Also several concern on predatory lending patters like inadequate or false disclosures, bait and switch practices, inflated fees ( like telling me the only 1 loan option for me was one with a {$28000.00} total closing costs which included a {$13000.00} commission for loan officer on a {$460000.00} )
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the accounts they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

I remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX XXXX XXXX XXXXXXXX ( now Experian ), XXXX XXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.
Product: Debt collection

Note : The initial questioning does not suit my scenario, therefore I place any answer to move forward. I would suggest other means of finding the issue of the complainant, such as a direct question. 
To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX To whom it may concern, I am making a complaint in reference to property claim dispute with USAA insurance. I have been working on this claim over a year. I first noticed the damage to the home in XX/XX/XXXX. I was in school in XXXX, Tennessee at the time. 
One weekend I came home to check my mail and I had to immediately return school, because I was working as an XXXX in the mornings and attending school in the evening. I witnessed the wind blow my roof shingles up in the air like a sheet being tossed to and fro when one attempts to make their bed. It was raining at the time too. I did not have time to contact USAA and follow the complaint. I submitted the complaint when I finished school  in XXXX. The actual date may be in XXXX or XXXX of XXXX. 
I had considerable mail to police and work to do to put my house in order, literally. I have health issues that needed to be attended to and I was working with VA to get those taken care of. I had a XXXX  XXXX (  XXXX XXXX ) and they are currently working to help with XXXX XXXX XXXX XXXX XXXX, so my ability to get around is severely hampered. 
The issues with the claims are the inspector ( s ) will come out and inspect, but they do not report or even return calls to me once they have completed the report. We would have to review each inspector separately. The final inspector did make his report after my call to USAA. He admitted they will only do what the insurance company wants them to do, which is my word against his. In this final assessment by USAA and their subcontractor XXXX states the cost of repair is less than the deductible, but they never include the repair of the roof, which is estimated to be between three and five thousand dollars. 
The damage they report is to the bathroom skylight, and the dining and living room water marks. The problem with this is water flows from the roof to those other areas, so if the roof is not repaired one would be wasting their time repairing the other areas. It is akin to placing a bandage on a gaping chest wound. 
I would have to fill you in on the finer details as we go forward, because the details are considerable and extremely important. 
Thank you for any assistance, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove and block unauthorized accounts on my credit report due to suspected fraud or identity theft.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my previous complaint XXXX. XXXX XXXX XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX Equifax XXXX XXXX ) cease immediately.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccurate information with equifax andXX/XX/XXXXseveral times. I have never received any letters back stating the outcome of my disputes. These account still appear in my credit report without Andy verification or ownership of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days
Product: Debt collection

Nissan motor acceptance Corp is Reporting to the credit agencies that my lease is not paid off and I have an open balance of XXXX. They are doing this because I didnt pay for car damages when the lease is returned. 

I am kindly demanding that Nissan stops reporting my open lease balance and closes the account in reporting to the agencies. After that I will pay the damage fees.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on your credit report can be a violation of the Fair Credit Reporting Act ( FCRA ) if they were made without your consent or a permissible purpose. Here are the main violations : 1. Lack of Permissible Purpose A company must have a valid reason under the FCRA to pull your credit report, such as : You applied for credit You initiated a business transaction A court order or subpoena was issued You gave written consent 2. Identity Theft or Fraudulent Access If someone accessed your credit report without your authorization, it may be considered fraud.

3. Creditors or Employers Pulling Reports Without Consent Employers, landlords, or creditors can not check your credit report without your explicit permission.

4. Hard Inquiries Without Application If a lender or creditor makes a hard inquiry without you applying for credit, it is unauthorized.

1. 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports A company must have a legally valid reason to access your credit report.

If an inquiry is made without your consent or a permissible purpose, it is a violation of this section.

2. 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance If a company knowingly pulls your credit without permission, you may be entitled to damages.

3. 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance If a company negligently allows an unauthorized inquiry, they may still be held responsible.

4. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses If someone accesses your report under false pretenses, it is illegal and mXXXX be considered identity theft or fraud. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/23 XXXX XXXX Synchrony Bank debited from my XXXX XXXX XXXXXXXX Account {$230.00} for a charge I did not make. 
I called and they said they'd fix it. 

On XX/XX/23, they sent me a note saying the " XXXX is XXXX. '' However, they did not credit my XXXX XXXX XXXX Account. 

XX/XX/23 After several calls, Synchrony sends me a reimbursement check for {$230.00}, which I deposited in my XXXX XXXX XXXXXXXX Account. 

XX/XX/23 Synchrony sends me an email bill for {$260.00}, which includes a late fee. 
I called and spoke to XXXX different agents, and was finally referred to " recovery. '' Recovery is closed on Sundays. 

I am unable to resolve this ongoing problem and it is now effecting my credit score.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights I looked at my Experian credit report on XX/XX/XXXXXXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my score.
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquires in my credit report.Please remove that. XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I contacted PHH mortgage to notify them that I had paid XXXX 's property tax, and request them to de-escrow my mortgage account. 
On XX/XX/XXXX, they decided to send in the payment to our country 's tax office ( according to their email communication, they shall not send the payment until about a week before the final due date ( XXXX XXXX, XXXX ) ). 
They also asked to submit a de-escrow request via mail. They claimed they initiated a request for a refund from the XXXX country 's property tax office. 
In the past three months, I have followed up with them several times. They always say they just sent in the refund request and asked me to wait for their follow-up, which never happened.
Product: Debt collection

Hi and how are you doing during Covid19? 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, credit repair services, or other personal consumer reports

We received a letter from XXXX XXXX XXXX XXXX XXXX. threatening to sue our office. The fax number listed on the letter is for White, Jacobs & Associates. The letter stated that the attorney was  licensed in Texas, Colorado, Georgia and Washington, DC. Our research revealed that the attorney is suspended in Texas, Colorado and DC. We called the phone number for the attorney found on the Georgia XXXX XXXX and spoke with the attorney, who stated he is no longer practicing law and that the letter is a forgery. I called the telephone number for White, Jacobs & Associates found on their website and, using the dial by name directory, was connected to the extension for the attorney, XXXX XXXX XXXX. The recording stated that his law practice is permanently closed. I then transferred to an agent, who acknowledged that they sent the letter and then, after placing me on hold, came back and said that he spoke to the attorney, who said that we need to communicate only in writing. Clearly this is not true. This company, a credit repair organization, is committing interstate fraud.
Product: Debt collection

In my credit report shows I owe XXXX to LVN FUNDING LLC contributions when I called them they didnt know exactly what it is they just told me its triple a for XXXX  and they provide me. With triple a billing phone number I have been trying to contact them but anytime I call it says they are. Close
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and SNAP ON CRDT are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and SNAP ON CRDT are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and Experian list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian about an inquiry from experian business credit pulled on my report without my consent. I have already called to dispute this hard inquiry to have it removed