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

Hi I called Amazon synchrony bank about a duplicate charge pending authorization for XXXX ( twice ) I was told if I dispute the duplicate charge with my own bank they would close my synchrony credit card I was threatened by synchrony back that I am not able to dispute any charges pending in my account and if I do I will have my synchrony accounts closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. # XXXX XXXX, Tx. XXXX Experian XXXX XXXX  XXXX XXXX, Texas XXXX RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX XXXX XXXX Acct # XXXX in XX/XX/XXXX. 
I was saddened to learn that you somehow out of all the other credit reporting agencies, you verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed as other credit reporting agencies has, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with with XXXX XXXX XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at with XXXX XXXX XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate and/or negligent information on my credit report against Equifax. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681o, credit reporting agencies and furnishers of information have a duty to maintain accuracy and ensure their reporting is free from negligence. The following accounts contain incorrect and/or misleading information that has negatively impacted my creditworthiness : XXXX Incorrectly marked as late despite a {$0.00} balance XXXX  XXXX Incorrect balance of {$230.00} XXXX  XXXX Incorrect balance of {$1700.00} XXXX XXXX XXXX  XXXXncorrectly marked as late despite a {$0.00} balance XXXX  Incorrect balance of {$4900.00} XXXX  Incorrect balance of {$7800.00} XXXX  Incorrect balance of {$4700.00} These inaccuracies constitute negligent reporting under the FCRA. I request an immediate investigation into these accounts and that any inaccurate information be corrected or removed. Please provide written confirmation of your investigation results and the corrective actions taken. 

In accordance with the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If these inaccuracies are not addressed, I may be forced to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for damages caused by this negligence. 

Attached are copies of my identification, proof of address, and supporting documentation to facilitate your investigation. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and look forward to your response. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SELECT PORTFOLIO SV CIN. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late  payment on my XXXX  credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and SELECT PORTFOLIO SV CIN with no successful resolution. XXXX  only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.
Product: Money transfer, virtual currency, or money service

XXXX and Citibank filed this case against me, which I consider is a mistake, because the amount processed for {$12000.00} is not a common value, so the Financial Institution had to send an immediate warning or text message to the client to authorize or reject the transaction and thus avoid possible fraud. 
If this had been done we would not have sent the product and the transaction would have been canceled.
Product: Credit reporting

Credit inquires was removed and then inserted back onto my transunion credit report and I was n't notified.
Product: Credit card

Requested information on this account for over 1year no response .Requested paperwork and all information .This accont was set up with out my approvel.Reporting closed on one report and active on another, limit went from XXXX to XXXX .This is not my account.
Product: Mortgage

Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer Donvenmuehle ( XXXXXXXX XXXX  ). This is sent by check every month. Mortgage was transferred to new servicer ( XXXXXXXX XXXX ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. I provided bank statements to XXXXXX/XX/XXXX showing money was drawn from account from Dovenmuehle XX/XX/XXXX. 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. Now XXXX is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. XXXX, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet. This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. Neither Company wants to be held responsible for this seemingly missing money. ~ {$400.00} dollars. XXXX says I need to call Dovenmuele. Dovenmuele says I need to call XXXX, I'm getting the runaround.
Product: Mortgage

improper transfer of loan. Not all payments wired over. When wire was returned to service Mac service Mac did not return funds to XXXX XXXX. XXXX XXXX is now showing me 30 days behind and charging me late fees. 

The loan was transferred from service Mac to XXXX XXXX on XX/XX/2020. I have made all of my payments since my loan was opened. When service Mac transfer the loan they wired the payments to XXXX XXXX XXXX XXXX  says they didnt receive one of the payments. I have been working with them since XXXX trying to get this all squared away Ive provided them everything theyve asked of me and they are still showing me 30 days behind not crediting the account appropriately and reporting me to the credit agencies also accumulating late fees. 

This is now affecting my refinance process. I have done everything I Possibly can since XXXX to get this squared away. Again i am doing all the legwork for both service Mac and XXXX XXXX. And have provided them every inch of paperwork I possibly can showing all payments have cleared. This is between them and it is now affecting me. Ive open multiple tickets with each company and always get a we are looking into this where we cant help you. 

Neither company has fixed this and it is now impacting my life tremendously as I am unable to refinance because of them. I need this squared away immediately both companies have received all of the necessary back up information from me and they should be doing the lake work themselves since they completed the transfer of Loan improperly. Again I have opened multiple cases with both companies provided them all the information needed and no one is correcting anything or responding to me and when they do they just tell me either still looking into it its absolutely ridiculous at this point we are seven months in. 


I have done everything I needed to do paying all of my mortgage payments on time and I need this corrected immediately but I need help because they are not doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt.
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When I dispute these items with XXXX, Transunion & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
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Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXXHow can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX.
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This information is false and I have requested all three 3 credit bureaus XXXX, XXXX and Transunion to delete the account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My cashapp acount was closed without reasoning its been over 2 years support gives no reasoning or explanation why it was closed the cashapp is XXXX XXXXXXXX Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Vehicle loan or lease

Morgan JP Chase, has failed to provide vehicle title greater than 30 days. per regulation : CALIFORNIA An effective transfer requires endorsement and delivery of certificate of ownership by transferor to transferee and delivery by transferee of the certificate to the DMV, with proper transfer fee and application for transfer of registration, within 10 days of receipt by the transferee. 


I called the bank and sent the necessary paperwork. They said they would look into and have failed to respond.
Product: Vehicle loan or lease

I have a vehicle that was originally leased thru XXXX XXXXXXXX XXXX  then it changed hands to XXXX XXXX and then apparently changed hands to XXXX XXXX XXXX i had no clue it happened until my vehicle was repossessed without contacting me about any arrangements for the car i reach out to XXXX and they tell me they will release my car to me if sign an agreement to pay them XXXX a month for a total of about XXXX dollars and they will release the title to me i spoke with XXXX XXXX the president of the company and i told him i dont believe i owe this much on the vehicle and was told that we can have a discussion but they where having an issue with covid and just wanted me to sign something so they could release the vehicle to me so i did it because i needed my car back so i had very little contact with them and never had an opportunity to figure out what was truly owed fir the vehicle and now the car is a total loss due to flood and i can not reach XXXX  at all no one is responding to emails or phone calls i haven't heard from them since XXXX of XXXX and only made a payment of XXXX to them i stopped making payments because i thought i was being scammed because i could not contact them i couldn't reach out to the previous lienholder because the company no longer exists ive done some research and found that XXXX XXXX is also employed by rock creek capital and other XXXX leases were in fact reporting debts owed for vehicles that were already returned so i have absolutely no idea how i can get the title for this vehicle my insurance cant do anything without it ive had this car since XXXX and have been through so much trying to get the title and i have no clue what to do now
Product: Credit card or prepaid card

I have a capital one credit card for last 7 years and I got the letter that they have closed my account. I called them to reinstate the account but they are not ready. They did not send me a letter to explain that they will close my account because of inactivity. After checking with them, they said for this kind of account we do not send letter and can close account at companys discretion. This is my old account and closing it will impact my credit history badly. They are not ready to understand my situation.
Product: Vehicle loan or lease

Chrysler Capital feels calling someone, have the person they are asking for it becomes okay to phish. They called me not the other way around.
Product: Mortgage

We are in a CARES Act protected program in consideration by HAF/DEO Florida - We applied in XX/XX/XXXX when 18 months was the allowed period of time. We are a family of whom three persons have XXXX. Our case was decided 5 months late so as to group us into XX/XX/XXXX when FL Executive order decided to reduce federal fund payouts to only 6 months. Rapidly our case was closed to make it inaccessible since. We are whistle blowing and pursuing the 12 months still owed separately by formal appeal XX/XX/XXXX after a wage-earner within the family has long XXXX and XXXX XXXX as a result. There have been covid funds questions since as missing funds may have been diverted away from the benefit of homeowners like us. 
Meantime, Midland Mortgage & MidFirst Bank are aware of all this as the fact of a government review being fully noted on our mortgage. Instead, the bank is pursuing delinquency. They did not follow the CARES Act and on our case which is fully certified and underway by HAF they reported both mortgagee homeowners to the credit bureaus, ignoring a Forbearance request sending a form letter requesting documents prohibited by the CARES act. They ignored an online application filed XX/XX/XXXX when non delinquent and while refusing to reply under the Americans with XXXX XXXX as pre-notified they reported us to the Credit Bureaus so our good standing credit of XXXX dropped almost XXXX points. Every loss mitigation step we qualify for including streamlined USDA refinancing on our government-guaranteed mortgage was bypassed. We noticed they started pursuing debts days within the 15 day grace period when they hadn't yet defaulted, as well as fees which Statute prohibits. Every effort to resolve by our reaching out repeatedly with proof was ignored, instead accelerating us into foreclosure. This is bad faith by the mortgagors which has worsened our health and they are liable for job impact directly caused by continued non compliance and non response. The online access seems to exist as a front to purport to be following statute and stipulations.
Product: Debt collection

I started receiving calls from an aggressive debt collector from the phone number XXXX on XX/XX/XXXX

The " XXXX XXXX '' who called and kept leaving messages stated they were looking for a XXXX XXXX. 

I do not know this person, nor anyone with a name close to that, and have owned the phone number that they called me on for over 15 years. 

" XXXX XXXX '' kept calling me every few days, leaving the same hostile messages. Dates these messages were received included XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX 

On XX/XX/XXXX, I called " XXXX XXXX '' and informed him that no one of the name he was looking for could be reached at the number he dialed. He got irate, and accused me of lying. 

I then asked for the company name and address to send an official letter asking them to cease and desist contacting me. 

I was then told that " XXXX XXXX XXXX '' ( the name used in the precall recording identifying the call as a debt collector ) was not the company he represented and he refused to provide the information that I requested and hung up. 

I called back XXXX each time being hung up on as soon as the call was answered. On the third time, an irate XXXX XXXX answered again, asking in an aggressive manner what I wanted using demeaning/offensive nicknames based on my given name. 
I told him to stop referring to me by those names and to remove my number from his call list. 
He told me that had already been done, and I asked for confirmation of that. He refused and hung up on me again. 

I subsequently called " XXXX XXXXXXXX XXXX  '' at XXXX, and after explaining what happened, was told that the debt I had been harassed about was in their " XXXX, Washington '' office. The person on the phone was not able to give me any more information as they were locked out of that system. 

The customer representative gave me the phone number of that office to followup ( XXXX ). I have called and left a message, and have not received a response yet.
Product: Debt collection

This company has not contacted me regarding any debt which violates multiple FDCPA laws. I do not have any contract with this company. Have not done any business with this company. They are trying to use my information to extort me. I have filed a FTC report and I will be pursuing a judgement in federal court. This company is committing fraud. I do not owe them a dime.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX, {$1200.00} XXXX XXXX, {$940.00} XXXX, {$370.00} XXXX, {$1900.00} INQUIRIES : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.