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

Experian would not let me submit documents throught the Dispute process so I'm submitting them here! Sent email on XXXX XXXX2022 with response saying they couldn't accept it over email. 

Comments for Documents : On or around XX/XX/ 2022 XXXX XXXX XXXX XXXX was sued by XXXX XXXX  XXXX XXXX. For XXXX credit card. The hearing was held on XX/XX/ 2022 in front of the honorable XXXX XXXX XXXX magisterial district judge for this Commonwealth of Pennsylvania small claims court XXXX - XXXX - XXXX in the town of XXXX Pennsylvania. The judge ruled that the plaintiff XXXX XXXX  XXXX XXXX. did not bear the burden of proof to prove that the account was XXXX XXXX XXXX or that XXXX XXXX is legally responsible for the account thus the account must be removed under the judgment of the honorable XXXX XXXX XXXX from the credit report for fair credit reporting act violations and/or identity theft due to them not prevailing in or proving in court that XXXX XXXX owns the account Judge XXXX invalidated the Debt by Judgment Attached on this Email. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had filed a police report as well to my local Bank of America about the funds that was stolen. The total amount was XXXX with the claim number being # XXXX. Also my local branch was found to of have had skimmers on all there ATMS outside the branch. Again our local authorities were notified right away. So upon all this Bank of America was fully aware about my card that was previously stolen from me was never even turned off or they never terminated it. I also filed a complaint as well about the card never being deactivated. Long story short I have refiled this claim several times and was denied all times. 
Thank you sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked to remove inquiries and a car loan that is not mine they still haven't responded in credit law they have 30 days to respond
Product: Credit reporting or other personal consumer reports

Regional acceptance simply repossessed and sold my car for XXXX $ on XXXX XXXX. However, they stated that they can not remove this information from my credit report since the car is no longer mine and i still have a balance. Yet, They are reporting 2 different things on my credit report such as charged off fixed rate and on another report Profit loss and write off. Thats 2 different information on 2 different credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Portfolio Mgm Westlake Portfolio Mgm ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company since XX/XX/2020 asking to exercise the buy out option since it has been 5 years. I was ignored and promised a response over and over again. i wrote 11 letters called 10x and send 6 emails with no response. finally on XX/XX/2020 Ms XXXX responded to me and advised me they would take the XXXX buy out option and I advised her I would pay it on XX/XX/2020, I asked her to send me an email or a letter something stating that the XXXX would be the buy out and an address were to send the payment. I received nothing, I called her again on XX/XX/2020 and asked her again for something in writing and a payment address, she let me know someone from legal would send me something. Today is the day and I have nothing still. I can't send a payment to the previous address because the last 2 payment I send and I have proof of still have not posted to my account. I am not sure why they are not posting my previous payments. I need a letter stating the XXXX is the buy out amount and an address were to send the payment or how to make the payment. Please help, your company was able to get them to call me so I hope your company is able to get them to send me the documents to get this taken care of. This is their contract I am going by they should be forced to follow their own contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX has reported on my account, collection agency ARS added a derogatory remark on my credit report per XXXX XXXX  and XXXX. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ARS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

We financed a vehicle on XX/XX/2023 from XXXX XXXX in XXXX CO through Americredit/ GM Financial . Around approximately XXXX XXXX XXXX we were contacted by financial office with XXXX XXXXXXXX regarding some documents for the above listed bank. We had no communication with dealership or bank until XX/XX/2023. That was a phone call I received from the dealer that we were required to return the vehicle to their location as requested by the above bank. The reason or explanation we were given was that there was a discrepancy with the address on file. We did not hear from the bank directly regarding any issues. When we questioned the request and any paperwork to justify all we were offered were phone numbers to call or receive a phone call with further explanation. Despite this whole upsetting ordeal, we still werent provided with substantial information regarding their reasoning. We werent offered any money or payments put into car, not to mention vehicle licensing and registration. I would say after 5 months, there should be a little more of a logical explanation.
Product: Credit card

Commenity represents AAA Financial collecting their monthly payments. 
When the transition between these institutions was completed ( XXXX ago ) ; Commenity did not properly transition, notify or send information regarding payments due as the new representatives; seeing the confusion I attempted to pay over the phone. There was no station/agent available to accept my call through the documentation holder ( AAA ). 
I was charged late fees and noted for late notifications. 
Over the entire period since Commentiy has been the collector I have been charged additional late fees recovering some credit. 
Most recently, XXXX 's payment was levied a late fee {$27.00} when I sent a payment on XX/XX/year> for a due date of XX/XX/year>. XXXX XXXX XXXX XXXX to XXXX They posted the payment XXXX Since this transition occured Commenity has used preditory tactics on my account since they are not making the interest charges they contracted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a full report of my credit profile and noticed a slew of inquiries on my TransUnion account between XXXX and XXXX. I filed a Identity Theft report via FTC for these inquires. I mailed this report on XXXX along with notarized letters, provided my ID, XXXX card, signature and utility bill to prove it was me sending this dispute in. All of these were mailed overnight with tracking showing receipt on XXXX and I have been in contact with TransUnion ever since and they are refusing to acknowledge the dispute was sent by me nor will they take them off. 

I informed them I have not applied for any new credit from the following financial institutions showing the inquiries on my credit. I also informed them there are no accounts under my name on these institutions. 

XXXX XXXX ( XXXX, XXXX, XXXX ) - XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

BANK XXXX XXXX, XXXX XXXX, XXXX CARD, XXXX XXXX, HELVEY & ASSOCIATES, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with HELVEY & ASSOCIATES is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Product: Credit card

I took out an 18 month 0 % interest from my Chase credit card. It was due XX/XX/XXXX ( meaning XX/XX/XXXX ) but I thought that it meant XX/XX/XXXX. The due date on the card for the monthly payment was something like XX/XX/XXXX, I paid the balance off on XXXX XXXX to avoid any interest charges. They still charged me {$80.00} in interest. I contacted Chase 3 times, they told me that it was due to my billing cycle which ended XXXX XXXX, and that there was nothing that they could do, they could not even take the interest off. You pay a fee when you do these things, so I know they made their money, but they had to trick me into thinking that the due date was XX/XX/XXXX in order to make a little more. Although I had been a customer since XX/XX/XXXX, this did not matter, I payed the interest and canceled the card. Then someone told me I should do this.
Product: Money transfer, virtual currency, or money service

Good afternoon, My name is XXXX XXXX XXXX I am having a huge issue with PayPal and I beg for your help. 
A few months ago I had a event in XXXX Florida, my family XXXX XXXX and local XXXX to XXXX. My sales rep. displayed our XXXX at a Golf Event and sold 5 XXXX. Not being familiar with PayPal as I usually use XXXX, I asked PayPal if It were ok for us to invoice and deliver XXXX. I was told yes and that I was covered and protected. I emailed a invoice to each of the buyers, from what I am finding out all of them know each other and from the looks of things are scamming me. Invoice was notated XXXX were delivered and non refundable. 

We sent the buyers each a invoice. 
Invoices : 1. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

XXXX. XXXX # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

3 Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4500.00} USD invoice to XXXX 

4. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$3000.00} USD invoice to XXXX. 

5. Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4100.00} USD Invoice to  XXXX. 

All buyers paid for the XXXX and weeks later started reporting the transactions as unauthorized. After speaking to PayPal on several occasions I was told not to worry that would not let this happen to me and the investigation could take up to 6 months. 

On 2 different occasions when these buyers reported transactions unauthorized, I called PayPal and both reps immediately put my account to a positive balance instead of negative again saying they would not let the buyers get away with this. 

Not even a month went by and PayPal decided on the buyers side and started refunding these people there money back. Leaving me without my XXXX and a extraodinary negative balance on PayPal. I am concerned about this as I take care of my credit and have never had a issue before with a negative balance anywhere. I hope CFPB can help me with this matter as I have already consulted a attorney and this is extremely expensive. 

Thank You
Product: Mortgage

I sent and served a RESPA Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter " QWR1 Letter '' ) to Ocwen Loan Servicing , LLC ( " OCWEN '' ), as purported loan servicer ; and XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ), as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates Series XXXX ( hereinafter, the " XXXX XXXX '' ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/XXXX ) in accordance with and governed by the trust laws of the State of New York, has an election and continuing qualification as a real estate mortgage investment conduit ( REMIC ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860. 
Other than an acknowledgement letter dated XXXX/XXXX/XXXX from XXXX XXXX as Trustee of the securitization trust advising that it is forwarding my QWR1 Letter to OCWEN, I never received any response or even an acknowledgment letter from OCWEN. 
I therefore sent another Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter, " QWR2 Letter '' ) to OCWEN and XXXX XXXX to follow up. I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR2 Letter, which was also duly received by OCWEN on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX also on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ). See attached QWR2 Letter dated XXXX/XXXX/XXXX, which provides in full details and facts with specificity why I dispute the debt and demand that OCWEN and XXXX XXXX validate their claim as purported loan servicer and owner of my mortgage loan, respectively. 
I received XXXX response letters from OCWEN dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX acknowledging receipt of my QWR2 Letter and stating, " while most requests are addressed within 10 business days, some requests may require additional time. In the event we are unable to issue a complete response within 30 days, you will receive a letter indicating additional time. '' To date ( XXXX/XXXX/XXXX ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( d ) ( ii ) ( 2 ) ( A ) of Regulation X of the Mortgage Servicing Act, as amended by the CFPB pursuant to the Dodd-Frank Act, OCWEN failed to provide me within 10 business days ( after receipt of said request and demand for information ) the identity of, and address or other relevant contact information for the true owner of my mortgage loan. Likewise, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), OCWEN failed also to provide a complete response with all of the other information within 30 business days. There was no letter whatsoever from OCWEN requesting for any extension of said deadlines. OCWEN just completely ignored my QWR/Debt Dispute letter ( s ).
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct According to 15 USC 1681b for inquiries the following items must be blocked and removed because this information is a detriment to my credit report, not for a permissible purpose, nor was consent given. The following inquiries were not permitted or requested on my behalf. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are incorrect and need to be removed : Equifax : ( Inquiries ) 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle I had a loan on with Capital One was deemed a total loss by my insurance company ( XXXX ). Capital One marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX ( date of loss was XX/XX/2021 ) I received my payment XX/XX/2021 and XXXX did not pay them until XX/XX/2021. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a XXXX  XXXX bankruptcy because the servicer refused to provide a payment plan for arreages during covid. During covid bank told me to pay what I can ( all recorded ). Now they say I need to subpoena that information. Im making my mortgage payments every month but they are applying everything towards the bankruptcy amount. The trustee has not made a payment since XX/XX/2023 ( 1st payment ). Ive also asked for a transfer of servicing audit. Please help. Thank you.
Product: Debt collection

this person don't live here this is not his address don't know the person stop sending these letters to my address they will go straight in the garbage being that the post office wont return the letter with out a stamp being place on it stop your spam letters to my house you keep sending these bull collections to my house stop the XXXX or be sued