23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Truist bank was our mortgage holder. We closed on the sale of our condominium on XX/XX/XXXX and Truist sent our escrow reimbursement check in the amount of {$890.00} to the old address so it was not received. I called on XX/XX/XXXX to inquire about what had happened with the check and was advised that it was returned as not deliverable. I then provided the correct/current address of where it should be mailed and was advised it would be sent out within 5 business days. The check never came and I called again on XX/XX/XXXX, only to be advised that " someone '' had input the request incorrectly so the check was never mailed but that they would correct it and have the check sent out. It never came and I called again on XX/XX/XXXX only to be advised that the check had not been processed but that they would correct the issue and send the check out within 5 business days. The check never came and I called again on XX/XX/XXXX and I was told the check would be expedited and sent UPS. I was provided a tracking number and, as of today ( XX/XX/XXXX ), the XXXX tracking site indicates that while a XXXX label was created on XX/XX/XXXX, the check has not been issued and provided to XXXX for delivery. At this point I can only assume the failure is intentional or, at a minimum, grossly negligent.
Product: Credit reporting or other personal consumer reports

Dear Equifax : After reviewing your response to my dispute letter of charge-off account.

1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ) stole my file from XXXX XXXX XXXX   XXXX XXXX ( XXXX ) to try and collect a debt they do not have rights to. The have used scare tactics. Told me I have a court date in 2 weeks from now and said they have contacted my employer. They have called my in-laws-phone. They are trying to collect {$580.00}. Screamed at me on the phone. 

XXXX & XXXX have a law suite against XXXX in New York. 

I was very distraught and crying because I did not know at first which company was telling the truth. The people I to at XXXX are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an update on XXXX  XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 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 or prepaid card

I was absolutely ripped off by Jetblue. Plain and simple. I was promised on a flight that if I signed up for the JetBlue Barclays Mastercard, I would get XXXX points, no annual fee. I was literally given a booklet and a pamphlet advertising it all. I went and I applied and not only did I get hit with an annual fee, but I never received the XXXX points as promised. Yeah when I called them they said because I applied on XX/XX/XXXX and the promotion didn't take place until XX/XX/XXXX so I was not eligible. I find these business practices to be misleading and disgusting. You cant hand out promotions and flyers on a flight, announcing for people to apply for something but not mention it doesn't take effect until XX/XX/XXXX. Unacceptable, misleading and wrong. They were handing out flyers on these flights and announced it on the PA system, I guarantee I was not the only one misled by their shady business practices. I also don't like how they advertise introductory 0 % APR for a year, but then in small letters later on after you apply it says 0 APR only for balance transfers. That's shady too but that's the least of the problems I have with this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I notice this account on my consumer credit report with XXXX claiming to own an alleged account from associated XXXX XXXX XXXX. According to IRS any account that is claimed to be charged off has filed a 1099-C and is considered an CERTIFICATE OF INDEBTNESS ( INCOME ) and the consumer are to claim those credits as income on tax filings to be in compliance. Therefore, discharged accounts are income and can not be reported on consumer personal credit report. 
Since my first demand was ignored I the consumer have put on notice of this demand with the FTC and States AG. This complaint will also be included in my CFPB complaint. Consumer will file federal suit within 14 days of your receipt of this demand if demand isnt fully met. 
This is a 2nd demand to have XXXX XXXX XXXX removed my private information from their system immediately as well as my consumer CREDIT REPORT. As you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to buy or obtain in anyway my private information including alleged debt and use it against me. This is an abusive and deceptive act. XXXX  has obtain my personal private information and what your company believe to be my private account information to collect credits off of by claiming to be owner of an account under the consumer name without a legal contract. I have no agreement with XXXX 
I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. I would like to know who authorized MCM to obtain personal and private information of mine without my consent? Please provide original security or any documents relating to an agreement between myself and XXXX. Please provide documentary XX/XX/XXXX evidence of my authorizing of XXXX  to open an account in my name and infringe on my credit report. 
I ask that unless XXXX can provide me the foregoing request, that you delete all my information. XXXX is harassing me and failed to provide any documentary evidence of such alleged debt but instead has become in violation of not only FCRA and FDCPA but also the Rosenthal Act. 
As a XXXX XXXX under California Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 
Per 15 USC 1681a consumer report can not have personal transaction history. This violation account on my consumer report has prevented me from equal and fair credit opportunities with damaging of the copyrighted name that XXXX  has opened an account under. I the consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX, that was dated XX/XX/XXXX to Equifax. 

Here is my tracking XXXX. 

However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/2024 Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I used XXXX to search a customer service number for XXXX to reset my passkey for my XXXX account on my new XXXX. On the phone they told me my passkey was reset and i needed to confirm my account by activating my debit card. They requested a payment of {$5.00} x 3 that would be refunded to my account as soon as they confirmed the payment. I accidentally sent {$590.00} but this did not go through. Believing that this was XXXX i kept trying to submit this amount not realizing it was {$590.00} instead of {$5.00}. My card was then locked by Bank of America. I asked the customer service representative to get on a call with my bank to confirm the transactions and they refused to do this. This is when I realized that I was not talking to a representative from XXXX  but was a product of a scam. In total they scammed {$990.00} from me. I submitted all proof of this information from Bank of America but they were not were able to help with my claim. They said the receiving bank denied reversal of these funds.
Product: Checking or savings account

Had 7 transactions totaling {$300.00} from XXXX that I did not make or authorize. Contacted JPMorgan Chase Bank to file fraud claims on the transactions. Chase is denying the fraud claims stating they have no authority over XXXX fraud claims, even though I have to go through my Chase app to use XXXX! XXXX claims they have no authority over the transactions and that Chase denied my fraudulent claims. Chase says there were no log in errors before the money was transferred so the transactions were valid. I have just lost {$300.00} and JPMorgan Chase Bank nor XXXX will do anything about it!!!
Product: Credit reporting or other personal consumer reports

Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, 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  : 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 card

XXXX Please take a look at this link above. I have been a customer of Chase for over 15 years and never had any issues with the company until now as well as never a late payment. They placed a 30 day late on my account ending in XXXX which I was not responsible for in this situation. I have never had a late payment on any revolving credit card account in my life at XXXX years old. How can Chase not recognize that I have been a great customer and that they made a mistake here. It seems from consumer affairs there is a real problem here. Please remove the 30 late and do something right with integrity.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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: Debt collection

This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX  California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX  eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX  I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.
Product: Credit card or prepaid card

On my credit report, I have 11 Open credit account along with 10 Hard Inquiries. I am unsure as to what these inquiries are regarding. Specifically the following XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX These are all a direct result of identity theft, I had my identity stolen in XXXX and have had numerous issues many of which are listed above. Please let me know how to proceed. 

-XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.
Product: Credit reporting or other personal consumer reports

Update to case XXXX : URGENT : Follow-Up on Fair Credit Reporting Act Violations Case Update To : Consumer Financial Protection Bureau ( CFPB ) [ Your State ] Attorney Generals Office Federal Trade Commission ( FTC ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/year> -- - RE : Ongoing Fair Credit Reporting Act ( FCRA ) Violations Silent Credit Changes & Re-Aging of Debt To Whom It May Concern, I am submitting this urgent update regarding my complaint against Experian, XXXX, XXXX, and multiple creditors for Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations.

I originally filed complaints regarding illegal credit reporting actions, re-aging of debt, and silent credit modifications. However, despite the severity of these violations, the credit bureaus and creditors have failed to respond in a meaningful way. Instead, they have engaged in the following : Silent Credit Report Modifications Without Notifying Me Experian and XXXX  have made unreported deletions and updates to my credit report AFTER I filed my arbitration case.

These modifications suggest an attempt to cover up previous violations.

Re-Aging of Debt to Extend Negative Reporting Minnesota Child Support Enforcement and multiple creditors have updated old accounts to appear newer than they actually are, which is a direct violation of 15 U.S.C. 1681c ( a ).

Failure to Conduct a Proper Investigation Creditors and bureaus are modifying data instead of providing verified proof of debta violation of 15 U.S.C. 1681i.

Delay Tactics to Avoid Accountability The companies involved have yet to provide a direct response regarding these illegal modifications.

This inaction suggests bad-faith behavior and a failure to comply with federal consumer protection laws. 


I have already escalated this case to the XXXX XXXX XXXX ( XXXX ), where I am seeking XXXX XXXX XXXX XXXX XXXX in damages due to the financial harm caused by these violations. 

At this point, I am formally requesting immediate action from your agency to investigate and hold these companies accountable for their actions. 

Please confirm receipt of this update and provide guidance on any additional steps I should take. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports TransUnion, XXXX and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Product: Mortgage

Hello, My mortgage was recently transferred to Arvest. My first payment was due XX/XX/XXXX. 

I made my payment online and was assessed a {$5.00} fee. The payment was not late, and I did not use any payment service or speak to anyone by phone. I simply used the Arvest website. 

Nothing on the payment page or process said anything about a fee for simply making an online payment. Only when I went to the fees schedule did I see a {$5.00} fee for 'Payment by Website. ' First off, there needs to be warning that paying in a certain fashion will incur a fee. I have attached a screenshot showing the online payment process, and nowhere does it mention a fee. 

Secondly, I find it egregious that a mortgage servicing company can charge a fee for an online payment. This wasn't a late, rushed, or pay by phone payment. 

I have never experienced this at any other loan servicing company, and have used many. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Excuse me. My name is XXXX XXXX. My cell phone is XXXX. DOB is XX/XX/1984. XXXX Last 4-digital is XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. My email address is XXXX. My identity theft. Today I found Someone use my SSN information applay many creditcards. But my English is terrible. I am outside USA Now. I contacted customer service by phone, but it is unsuccessful. I tried to add fraud alert through the experian website, but it was unsuccessful, because the thieves stole my identity information, changed my experian membership account password, email, and username. And unlocked my credit report ( $ XXXX/month ). The thieves used my information to apply many creditcards, and my credit report added 3 hard pulls.