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

XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION
Product: Credit card

XXXX I use discover card to get XXXX tickets they cancel they won't put credit back on card please help me thank you XXXX Arkansas XXXX that's my address call me
Product: Debt collection

Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to XXXX.
Product: Debt collection

This is being sent prior to filing suit an opportunity to amicably cure for MIDLAND FUNDING LLC your violations of the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C . 1692 et seq, Fair Credit Reporting Act 15 U.S.C. 1681 ( FCRA )  et seq, Fraud, Unfair  business practices, defamation of character and many   that arent mentioned in this letter.     - False or Misleading Representations in Communications - Unfair Business Practices - Failure to send me a 30 Day Validation Notice
Product: Debt collection

On XX/XX/year>, I received a letter from XXXX XXXX XXXX, XXXX, a debt collector, trying to collect {$750.00} they claimed I owed to PayPal , Inc . 

I DO NOT owe PayPal, Inc any such amount. 

I called PayPal Credit support and they confirmed that I have a XXXX balance. 

I also checked my credit report and there is no report of this collection or supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX, TransUnion has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} XXXXXXXX  XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!
Product: Mortgage

I refinanced my property with Rocket Mortgage in XX/XX/2020. I submitted proof of my home hazard insurance at the time I submitted the loan paperwork. I have never fallen behind in any way, shape, or form on my home hazard insurance. ( I have had automatic payment for many years. I have NEVER had " expired '' home hazard insurance. I have purchased my home hazard insurance from the same insurance company for the past 16 years. ) I received a letter via postal mail only ( not via email and not via my online Rocket Mortgage account ) informing me that Rocket Mortgage records " show that your hazard insurance has expired, and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. '' The letter continued, " The insurance we buy : May be significantly more expensive ... May not provide as much coverage ... '' Why would Rocket Mortgage only send this important information via USPS mail? Why would Rocket Mortgage not have reached-out to me via email and my online Rocket Mortgage account asking for proof of insurance? Is it because they were hoping I would not open their letter sent only via postal mail so that they could " gouge me '' with high-cost, low-quality hazard insurance? 

I responded within 24 hours of receiving the snail-mail letter from Rocket Mortgage by downloading a copy of my hazard insurance ( which was NEVER expired ) via the web address they provided for this purpose. 

My previous mortgage provided did not require annual proof of my home hazard insurance, so Rocket Mortgage 's letter and action took me by surprise. Rocket Mortgage never told me during the refinancing process to send a copy of my home hazard insurance each time it was renewed. If this information was included in " the fine print '' of the loan paperwork, I did not see it. 

I wonder if Rocket Mortgage takes this approach with all of their customers, or could my age and XXXX have played a role in my receiving this letter? 

I hope that CFPB can " shine a light '' on this process. Does it seem predatory from your perspective? 

Tip for others : During the loan process the Rocket Mortgage loan officer I was talking to spoke quickly and said several times that my loan interest rate would be " 2.9 % '' When I saw the paperwork, it was actually 2.99 %, almost a full percentage point higher. I realized at the time that he could defend the difference between what he said and the paperwork by saying I mis-heard. Watch-out for any telephone-based quotes that end in " .9 '' -- ->Check the paperwork to see if the interest rate is actually " .99 ''. I have a hunch this is a common " bait & switch '' ploy " XXXX people in '' using .9 on the phone and then switching to .99 on the paperwork...
Product: Debt collection

I received a collection notice dated XX/XX/2021 for the amount of {$420.00} with a debt collector I have no written or verbal contract with. I have found them in violation of the following codes ; 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( B ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ), 15 USC 1692g ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau say inquiries are factual and to contact creditors directly yet fail to provide contact info for said creditors
Product: Credit card

On XX/XX/year>, I was charged {$200.00} for an online purchase from XXXX. However, I did not receive the merchandise nor a receipt for this transaction. Subsequently, I filed a complaint with my credit card company, Capital One, due to the absence of a receipt. Shortly thereafter, I received the merchandise, very late. which was unfortunately damaged. I promptly reported this issue and submitted a formal complaint ; however, I did not receive any resolution until XXXX, at which time I was charged again for the same items. Or credits was removed. 

Upon contacting Capital One, I provided all pertinent information including details regarding the damaged items and copies of my correspondence with the company requesting a return label. Additionally, I submitted screenshots of the companys website indicating that returns are accepted. Despite my efforts, XXXX has yet to respond to my inquiries. 

Capital One informed me that they would honor the charge, citing that the items had been delivered. I clarified that I did not order delivery of broken or damaged items, as my expectation was for the items to arrive in good condition. Capital One indicated that until I could obtain a receipt from XXXX, I would be held responsible for the charges. I continued to provide additional information and evidence suggesting that XXXX operates as a fraudulent entity. However, a Senior Account Manager at Capital One advised me that there would be no changes to my situation until I could furnish the requested receipt. XXXX doesnt respond and I have only a text message with an order number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  is currently showing two late payments on XXXX one for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by Covid 19 and this should be Covid protected. Equifax is showing one late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This issue came to my attention in XXXX of this year. 
I had a credit card account with XXXX XXXX  through BJs. The credit card offered balance transfers that were useful to me. 
I took 2 balance transfers through XXXX XXXX. Please see the attachment titled 4_22 statement. This shows the 2 plans that I had in place. I was making $ 100 monthly payments that were being applied on a 60/40 split between the 2 plans. 

The first plan had a balance of {$3600.00}. On XX/XX/XXXX the plan expired and the interest increased from 0 % to 19.9 % interest. 

I made a payment of {$3700.00} on XX/XX/XXXX in addition to my regular payment of {$100.00}. Please note that on XX/XX/XXXX the plan with the balance of {$3600.00} had an interest reate of 19.9 %. 
I sent in enough to pay that balance off. ( {$3800.00} ) The payment was incorrectly applied to the balance transfer that I had just taken out XX/XX/XXXX. That plan had an expiry date of XX/XX/XXXX. 

The allocation of this payment does not make any sense. The higher interest portion of the account received less than 1 % of the money that I sent in. The 0 % interest portion of my account received {$3700.00} ( >99 % of the payment ). 
The first response that I received from XXXX did not address the XX/XX/XXXX payment but did state how payments are applied. 

They stated that higher interest balances are paid first. ( see screenshot XXXX ) This was not done with my payment of XX/XX/XXXX. That payment should have eliminated the high interest balance of {$3600.00}. ( Now at 19.99 % ) I did not notice this error until XXXX when I made a lump sum payment and discovered that I was being charged interest due to a bank error. I was charged over {$390.00} due to a bank error. 
I phoned BJs XXXX  and was told that I would need to write a letter. I did that. 
The response was surprising. ( screenshot XXXX ) Whoever sent the reply did not address my concern at all. It was a very condescending customer service communication. 
I wrote again, with more detail and screenshots. I received a brief message saying that the issue would be researched. 
Nothing was done and the account was transferred to Capital One. I had several lengthy phone calls with Capital One and it looked like the issue was going to be resolved. Last night ( XX/XX/XXXX at about XXXX XXXX  ) I received a phone call from XXXX at Capital One who basically told me that it was a XXXX XXXX  issue and not Capital One 's. There was nothing that they ( Capital One ) would or could do for me. 
It is true that it is a XXXX XXXX  error, however XXXX will not help as the account has been transferred to Capital One. 
This has been going back and forth for months. I am asking if you can resolve this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect name is XXXX XXXX XXXX that needs to be deleted. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address needs to be deleted as well XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Money transfer, virtual currency, or money service

Someone listed my account on a website as a vendor. I was sent multiple payments from people outside of the USA. I forwarded the emails and reports to Paypal. I also declined the payments as I am not a vendor and do not sell items online. Paypal closed my account and kept my cash on hand, stating I can have it in 180 days. I have called reporting the fraud was not my doing on XX/XX/20 - the number I called was ( XXXX ) XXXX. I gave all the data including the fact that earlier that day I had forward the emails to the XXXX. I was told I would have a formal response in 72 hrs. I got nothing. I called again XX/XX/20 the automated system recognized my number and would not transfer my call it hung up on me. I then reached out via XXXX  on XX/XX/20 was advised the issue would be escalated. I today, XX/XX/20, got an internal email on the Paypal platform addressed to XXXX ( not my name ). Per user agreement the account is permanently limited. No explanation of what violation was made. I am the one who reported the fraud and now I have lost access to my account and funds. While I understand if I violate the agreement then my account can be limited how is it fair that I was the party that reported the fraud/scam and lost my account and have to wait for my funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ].

Therefore, I expect that my dispute will be properly investigated within the timeframe
mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics.

Please ensure that this matter is handled swiftly and in compliance with federal regulations.

If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matte
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act based on federal law 15 usc 1681 my information is inaccurate and can not be verified. Also under the FCRA law my information was also exposed in a data breach, so Id like to make an FTC report I have numerous times reached out to all XXXX  credit bureaus trying to get my inaccurate invalidated exposed information removed from my credit reports I have information about credit cards credit reports and personal information. Consumer reports Debt collections personal loan XXXX  Loans, vehicle loans and leases and information about checking accounts. All of which I request to be removed promptly. The agencies have not worked with me and getting any of this resolved.
Product: Debt collection

I am writing to file a complaint against Credit Control Corporation for multiple violations of consumer rights, as outlined in the Consumer Financial Protection Bureaus regulations and the Fair Debt Collection Practices Act ( FDCPA ).

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The Collection Agency has failed to provide validation information as required by law, yet they have placed a collection on my consumer report. This violates my rights under the Consumer Financial Protection Bureaus regulations.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute the account with the Collection Agency, as mandated by the Consumer Financial Protection Bureaus regulations.

3. Violation of 15 USC 1692E : The Collection Agency has engaged in false, misleading, and deceptive practices, violating my consumer rights under the Fair Debt Collection Practices Act.

4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : The Collection Agency has furnished the account to consumer reporting agencies without providing the required disclosures, thereby violating my rights under the Consumer Financial Protection Bureaus regulations and the Fair Credit Reporting Act.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the Collection Agency for its violations of consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX SS # XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at Asset XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address is XXXX XXXX