23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report on XX/XX/XXXX and I noticed some late payments posted on my consumer reports from XXXX. 
XXXX is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give XXXX written instructions to furnish this on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from my consumer report related to these account listed below, this agency is in violation of 15 USC 1681. 
Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of all late payments of the above referenced account, and update those corrections with the XXXX will result in legal actions against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Neglegent establishment of identity fraud 3. Fair Debt Collection Practice Act 15 USC Violation 4. Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Product: Credit card

This first paragraph gives a synopsis of the issue, and the following paragraphs are part of the dispute letter submitted to Capital One, XXXX XXXX. 

We have attempted many times, beginning XX/XX/2023 to contact the rental car company with whom we have an upcoming reservation. They have been unresponsive as outlined below so we opened a dispute with our credit card company. We were provided an initial credit while the dispute was investigated, but after our card company was able to reach the rental car company 's financial institution ( but not the company itself ), they reversed the credit and denied our claim. Subsequently, each dispute service representative requests that we send them more or different information, we comply, and then receive the same form letter which states that we did not supply the requested information and therefore our dispute case is closed, and we should contact the merchant if we'd like to continue our attempt to dispute the charge. They've also requested that we get a cancellation from the merchant in order for them to accept our dispute. The merchant 's policy states they do not allow cancellations, we want a modification and not a cancellation, AND the rental car company isn't reachable so you can imagine our frustration. 

We have been unable to contact the merchant despite multiple attempts and hours of trying, Their posted schedule, located on our receipt is XXXX XXXX XXXX XXXX XXXX hours ( XXXX XXXX ) 365 days of the yea ( sic ), yet calls to their phone number go unanswered or are disconnected, XXXX  messages are not responded to, and emails receive no response. What we paid for is not as described, and their stated policies are not honored. 

We understand they have a no cancellation policy, and we are not attempting a cancellation. They have a responsibility to respond to customers who have questions or would like to make use of their cancellation and reservation policy, the relevant part of which is cut from our receipt and pasted below : Cancellation of reservations and no show Reservations with Online payment are non-refundable but may be used at a later date than originally reserved ( 12 months of validity ), as long as the change is made through the customer service center 48 hours before the reserved date to pick up the car for rent. Any modification on the dates, destination or category may generate additional costs depending on the current fare of the requested destination in the corresponding period. 

We would like to modify our reservation per their policy, but they have not answered XXXX  calls, emails, or regular phone calls. Again, we understand their no cancellation policy, but we do expect to be able to communicate with them prior to arrival in XXXX XXXX to make modifications. This breach of contract is the reason we are requesting a credit. 

At this point, we have made an alternative, fully refundable reservation with another car company because we dont have faith that the original merchant will even have a car for us when we arrive, and we cant take that chance. Please credit our account the amount paid : {$300.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. This company has failed to remove these fraudulent accounts and inquiries in 4 days of receiving my identity theft statement. this is a violation of 15 U.S. Code 1681c2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Product: Money transfer, virtual currency, or money service

I used PayPal to make installments to an organization throughout XX/XX/2023 for a retreat that was supposed to take place the final weekend of XX/XX/2023. On XX/XX/2023 the organization notified me that they were canceling the retreat and refunding all payments made for the retreat costs. I tracked the refunds and after I received only two emails confirming refunds, out of the four payments that I had made and on the fifth business day ( XX/XX/2023 ) I only received one refund ; I called PayPal to inquire where was the other refund that I had received a notice about and where was the notice for the other two payments. The representative that I spoke with repeatedly claimed that all refunds were pending and would be issued by end of business that day. Not only did this not happen, but I only received a notice for only one more refund and two of the three remaining refunds were not processed until XX/XX/2023. It has now been two weeks since the organization initiated the refunds and I still have not received the final refund. This is in spite of the representatives claims and outside of the terms according to PayPal. The funds were processed from my checking account so it is not an issue of refunding back to a source that could take up to 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Product: Debt collection

I paid Midland Funding and they continue to report my collection account as " open ''.
Product: Credit reporting or other personal consumer reports

Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance.

As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. 

Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to address multiple disputes I have submitted and their lack of response regarding inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to Equifax, requesting investigations into various inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. However, despite submitting these disputes on multiple occasions, I have yet to receive a response from Equifax regarding the investigation results. This ongoing lack of response has left me in a state of uncertainty and has significantly impacted my financial well-being. As a consumer, I have the right to ensure the accuracy of the information contained in my credit report, and Equifax 's failure to address these disputes directly violates my rights under the Fair Credit Reporting Act ( FCRA ). I demand that Equifax promptly conduct a thorough investigation into the inaccuracies on my credit report and provide me with the results of their investigations. Furthermore, I expect Equifax to uphold their obligation to verify my personal information accurately and update it accordingly.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

I do not own this card. I did not apply for this card. When I receive this card in the mail back in XX/XX/2024, I immediately called XXXXXXXX XXXX XXXX and told them to cancel it because I did not request it. Ive called them XXXX times after. One XXXX, twice in XXXX and XXXX. They finally closed it in XXXX. However, theyre charging me for an annual fee even though I never used the card. I never apply for the card. XXXX XXXX XXXX advised me that I had to fill out an affidavit stating that the credit was not mine so I did, but they are still reporting this credit on my credit reports. I am now being reported as being XXXX + days late for a card I never activated. I am trying to buy a house and this has caused me great issues.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Hello, I have filed 3 previous complaints with the credit bureau regarding Carrington Mortgage. Carrington Mortgage bought my mortgage from XXXX XXXX XXXXXXXX somewhere around XXXX or XXXX. The home was foreclosed in XXXX. There was a surplus owed to me in the amount over {$21000.00}. But the money was not given to me. In other words the home was sold for more than it was worth. In XXXX, I submitted an application for an apartment and was asked if there was a second mortgage on the previous home. I said no. in fact, I lived in the home that was foreclosed on for 20 years and never took out a second mortgage. Lately, I have been receiving monthly emails from Carrington Mortgage. XXXX XXXX alerted me that Carrington Mortgage is on my credit record as active. The credit bureau has not dealt with this issue. The credit Bureau note to my credit reported that the matter was resolved. The credit Bureau has never reached out to me via email, us mail nor by telephone to inquire about the matter. I do not owe any money to Carrington Mortage and the report show show that there was a bankruptcy in XXXX. Thank you for your help. 

XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a Change in Terms notice increasing the APR to a usury, variable rate of 34.99 %!! 

They will also charge {$1.00} each month to send a statement, and interest charges are assessed on this unfair fee.

JcPenny and Synchrony Bank are penalizing us, along with other senior citizens and those who don't have access to a computer, by implementing this unfair fee. 

I call today, their automated system wasn't working correctly, gave partial instructions and took over XXXX minutes to finally transfer me to an agent. This bank doesn't want yo allow customers to speak with a person!! I am expected yo use an automated system the cuts out, then states they didn't heat my response. I would need to hear the request before I can respond!! 
First call I was connected to an off shore agent " XXXX ''. I asked for a US agent. XXXX didn't respond to the request or when I asked if she could hear me, multiple times, and after XXXX minutes she disconnected the call. Second call, couldn't get past the automated system. XXXX time, I was connected to off shore agent XXXX. She transferred me after I asked for a US supervisor Forcing customers to go completely paperless sets us up for late payments, especially when its an account thet isn't used much. It allows them to charge unfair late fees if an email notification is missed, and could affect credit.
Product: Debt collection

Upon thoroughly inspecting my recent credit report, I've identified multiple fraudulent accounts that were added without my awareness. I believe these are mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on TransUnion.com show 100 points more then what companies are pulling from the same company
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES, PHONE NUMBERS, ADDRESSES, EMPLOYERS AND ANY OTHER VARIATIONS THAT MAY NOT BE LISTED ON THE DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX MY PHONE NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT XXXX NOT BE LISTED ON THIS DOCUMENT : XXXX OF XXXX, XXXX, HAPPY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???
Product: Mortgage

Wells Fargo automatically put me in a forbearance for 3 months which was very helpful. XXXX XXXX and XXXX. I re summed my monthly payments in XXXX. However they put that into my escrow account. The received another letter extending my forbearance till XXXX. which I did not want. Several emails and phone calls I was told I have to accept the additional 3 month or they would report my XXXX, XXXX and XXXX payments as late to the credit bureaus if I rejected and was removed from the Covid forbearance program. I did get someone else on the phone and they made a payment arrangement for 1 month of the forbearance period and they would move the other two to the end of my loan. We have an arrangement and they would send out documents to process within 10 business days its been 14 .My on line account still shows as being delinquent. My request for a refund of my Escrow account was denied ... over {$2000.00} extra even after just paying my Taxes and Insurance which they reported they could not apply to my loan or payment arrangement. My account still shows past due as XXXX payment. 
Copy of Online Account Next payment due on XX/XX/20 Next payment details {$1600.00} Total amount due to make loan current {$4800.00} Your account is on a short-term payment suspensionOpens dialog Last payment received on XX/XX/20 {$1600.00} Outstanding principal balance {$190000.00} Interest rate 4.75 % Escrow balance ( taxes & insurance ) Escrow details {$3000.00} Actual Payments in my account history Principal Balance XX/XX/20 PAYMENT {$800.00} {$190000.00} XX/XX/20 PAYMENT {$1600.00} {$190000.00} XX/XX/20 CITY TAX PMT {$1600.00} {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax XX/XX/XXXX to let them know there was an account being inaccurately reported by XXXX on my credit report. I contacted XXXX at the address provided on the Equifax credit report to let XXXX know that the account did not belong to me. The letter was returned to me as the address reported on the Equifax credit report was incorrect. I then contacted Equifax and asked Equifax to remove the XXXX line item since the item was inaccurate. Equifax response was the line item from XXXX showing late payments in the months of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX were verified as correct. As you can see from the attached, the address that Equifax is reporting on my credit report is the address where I sent the letter. I would like Equifax to remove this item immediately as I stated in my letter my letter to them in XX/XX/XXXX.
Product: Checking or savings account

On XXXX, I purchased an item with my TD bank debit card for {$130.00} at the Nordstrom Rack located at XXXX XXXX XXXX, on XXXX, I returned the purchased item to my TD Bank debit card for {$130.00} to the Nordstrom Rack located at XXXX XXXX XXXX. On XXXX, I noticed a debit transaction on my Bank account for {$130.00} with an explanation of ( XXXX Nordstrom XXXX XXXX XXXX ). I called TD Bank customer service, I was advised by TD Bank associate that it was a debit transaction done by TD Bank due to a dispute from Nordstrom of XXXX XXXX XXXX. I was never advised prior to TD Bank debit to my account of Nordstrom disputing the previous credit of the return item. I was charged by Nordstrom the purchase item, therefore when the item was returned I received a credit. There is nothing to dispute. When I raise my complaint on XXXX, as per my request a TD Bank customer service XXXX issue a provisional credit to my account. It is common knowledge that TD Bank purchase Nordstrom credit card portfolio, CONFLICT OF INTEREST. TD Bank has no legal right to debit TD Bank customers checking accounts on behalf of Nordstrom for a transaction done with a TD Bank debit card. My money is not safe at TD Bank.