23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied to refinance our current home loan XX/XX/XXXX. We were pre-approved and given an interest rate of 2.875 %. However, we later learned that our mortgage is classified as a Home Equity loan, so the rate will be higher ( 3.625 % ). We have never applied for a home equity loan, so we requested a copy of the original note, via telephone conversation with the bank rep on XXXX/XXXX/16. The rep was unable to locate the paperwork, so a request to locate a copy of the loan was put in. Estimated time to locate the documents was 3 days. After not receiving the documents, I called again on XXXX/XXXX/16 and was told a hard copy was mailed to me on XXXX/XXXX/16. On XXXX/XXXX/16 I called again because I had not received anything. I was told the original owner of the notes to locate the loan papers would call me directly. On XXXX/XXXX/16, no response, so I called back and was told a letter indicating documents could not be found was sent on XXXX/XXXX/16 and further research was being done. We received 3 letters from CHASE indicating the loan papers could not be located. On XXXX XXXX, 2016, we sent a certified RESPA letter to CHASE. Our request was " escalated ''. We received several phone calls from the bank 's rep, each time indicating that the " home equity '' loan papers could not be located. Phone call : XXXX/XXXX/16 -- issue still being researched. Phone call : XXXX/XXXX/16 -- 'still in review by legal partners, no update at this time '. Phone call : XXXX/XXXX/2016 -- 'Upper management and the legal department working to find a resolution '. Phone call : XXXX/XXXX/16 -- According to bank records, our loan is 'classified as a home equity loan, but put in XXXX mortgage position '. ( Please note that CHASE recognizes that the loan was incorrectly coded ). They are unable to locate the original note. As a resolution, they will send a Lost Note Affidavit with the same information as the actual original note and send us a letter.
Product: Credit reporting or other personal consumer reports

I recently acquired a copy of my credit report from your bureau and I am disputing the accuracy and completeness of the following details. This incorrect information is negatively affecting my credit report, and I request that you promptly correct it. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The specific information I am disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Account # XXXX XXXX XXXX XXXX opened in XX/XX/2009 appears in my XXXX credit report as a derogatory info as being charged off for {$3300.00}. Shown as an authorized user.
Product: Credit card

I had a XXXX XXXX card, rarely used it, and wanted to cancel it. There was a charge of {$9.00} on the card, with no identifying information, so I assumed it was a monthly charge by Barclay 's ( XXXX ). I paid it for a couple of months, and finally called to cancel my card ( tore it up ). I thought that was the end of it. Since my call, I have continued to be billed for {$9.00}, plus interest, plus a {$35.00} Late Payment Fee EVERY MONTH SINCE XXXX 2015. I have spoken to numerous reps and reported it as fraud since I had no idea what the charge was, after confirming with the reps that it was not a XXXX charge. However, they did not give me any info on who was charging my card every month, and they told that even after closing an account, they still allow businesses to charge a person 's account. This is an outrageous and the fact that I have had to spend hours of my time while working full-time, not ever knowing who the vendor is charging me {$9.00} every month months after my closing this account is an unfair, unethical business practice on XXXX 's part. It must stop. I am now writing to the company ( on a Sunday when I should be relaxing, going to church, visiting family, and getting to work the next day ). The fraud department at XXXX has never contacted me about the results of its investigation at all. I have only spoken ( at 3x ) to customer reps and to the fraud department upon my initiation, not theirs. 

I need to be credited all the charges from the moment I called to cancel my card ( XX/XX/XXXX or XXXX 2015 ), and my credit worthiness should not be impacted by this charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed for the first time in my adult life starting in XX/XX/XXXX. I continued paying my bills with credit cards during that time and all along with the expectation or hope that I would be employed soon. My unemployment lasted for about 8 months, so I built up quite a large amount of credit card debt. I am not one that doesn't like to pay what I owe or skip out on things. I continued to pay on my credit cards with no late payments until the middle of XXXX. I was very stressed with how much I was paying in credit cards and seeing the balances barely change. I looked into Freedom Debt Relief and they were quick to pursue my business. Even after I declined, they continued to pursue me. They sent emails telling me that I could be out of debt in 48 months. In XX/XX/XXXX I gave in to the stress of my credit cards and agreed to do that program with Freedom Debt Relief. I signed a contract that says I would be {$760.00} per month for an estimated 48 months. That put the completion date of XX/XX/XXXX. I've been looking forward to XX/XX/XXXX for over three years. Now Freedom Debt Relief is saying that I have to continue paying for an estimated additional 15 months, until XX/XX/XXXX. That's over 30 % longer than what I was lead to believe, and what was stated in the contract. I feel like they misrepresented the services that they provide and that they have not fulfilled their part of the agreement. If I was off by 30 % at my job, I would be unemployed again. They continue however to collect their fees which I don't feel like they were very upfront about. During conversations in XXXX they would state a payment and tell me that it would be for 48 months. I would do the math and it seemed reasonable. They never mentioned the over $ 10k they would collect in fees from me and that the program could go 15 months longer than stated. Please help me figure out what my rights are in this situation.
Product: Money transfer, virtual currency, or money service

My PayPal account received an email notification of withdrawal, but the withdrawal could not be completed. I contacted PayPal customer service several times, and uploaded the identification documents according to the customer service instructions, but the account still can not be withdrawn. PayPal customer service said : Due to system security restrictions, I need to wait, I am very angry. dishonest company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then Experian has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

Upon viewing my credit report I noticed a debt collection reporting on my credit profile. On XXXX  I, mailed a letter requesting validation pursuant to the F.D.C.P.A. Laws.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested detailed information regarding the procedures Experian followed to determine the accuracy and completeness of these accounts. As per the Fair Credit Reporting Act ( FCRA ), they were required to provide this information to me within 15 days from the date of my request, which means that by XX/XX/year>, I should have received the requested documents. However, as of today, XX/XX/year>, I have not received the information, making this a case of willful non-compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX  days late in XX/XX/2022, Transunion is reporting me as XXXX days late in XXXX of XXXX and XXXX is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. We've worked with several people, Manager is XXXX and Representative XXXX # XXXX XXXX, Lawyer XXXX XXXX XXXX. They told us that we were making a good financial investment. I've never used this timeshare, I had it scheduled for XXXX until I find out they lied by promising me verbally that they're going to help selling the timeshare. They also told me XXXX, was going to put persons under my commission to earn points and benefits which is not proper. When I went they were under construction and it was going to be a mortgage inversion and I could cash out whenever I wanted. They also promised rental income, that market value is going up. They said resale value would go up and due to the place was under construction that I bought in perfect timing. They said I will make money from this if I decide to sell it as the resale value would go up and that they would help me to get out of the process for sure. Regarding maintenance fee, they told us the price wasn't going up, that it could be lower with more owners. They promised us things would be positively different each time things got worse because nothing they promised is in the contract. We were also told that it had some tax benefits similar to owning a second home which they used to coerce me to get this timeshare. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered gifts like a gold member card, 3 days and 4 nights for free, that they will help me get referral points. We were never able to use them because they scammed us. They have our ID and personal information during the process. They did not allow us to read the contract, everything said was verbally, the only thing they showed me the contract was to sign. They never gave me a copy of the contract, they only gave us the purchase agreement. We didn't know how to cancel, we were never properly educated on the cancellation process. They just told us they're going to find the buyers and I don't have anything to be worried about. We tried to call but no help was received, until we realized, it's already too late to cancel. We're having financial difficulties because of this, we're not even having profits from it as they promised. I'm having relation stress with my wife wanted to leave me because of the situation. I'm not able to concentrate in my work with all the lies they told me. I even lose sleep over the stress of the timeshare. We were highly pressured with their sales tactics, worst thing is I don't have physical proof, they didn't even give us a copy of the contract. I felt sure because of the lawyer present during that time but we were simply defrauded, we were lied to and taken advantage of.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX Student Loan Issues Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX XXXX my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( IDR ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in Public Service Loan Forgiveness ( PSLF ).

They have failed to retrieve information that was given. 

It has caused financial hardship, credit damage, denied loan forgiveness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX Iadded a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXXXXXX added a inquiry to my credit file without consent from I XXXX XXXX
Product: Credit reporting or other personal consumer reports

When checking my credit report to buy a home, I saw XXXX XXXX XXXX listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the XXXXXXXX XXXX representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all. 
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned XXXX XXXX is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
XXXX XXXX XXXX is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.