23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a dispute with my bank chase JP Morgan. I am a victim of theft and discrimination and I want justice. The bank did not verify nor obtain any proof for editing services rendered in which the wrongfully reversed my claim awarding a fraudulent company my money failed to do a proper investigation. In which when I filed I was told I did not need to send any documents unless they ask when the merchant requested the money with falsified documentation my bank did not reach out to me a gave my money back to the merchant whom has blocked me with there lies and the bank was giving documents stiLL showing in my favor. This is robbery discrimination as the bank has hung up the phone on me lied and closed my account as I continuously and actively am still fighting for justice.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX {$7300.00}
Product: Credit reporting

they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax there is a shopping window when applying for mort

ages. Hwoever, they are showing multiple inquiries and harming my score. Equifax.com/personal/h
elp/credit-scores-inquiries/ : When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or compa

ny requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary de
pending on the credit score model ( the method used to calculate the credit score ) used, but it's typically

from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you. All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will ge
nerally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.
Product: Debt collection

Inaccurate Debt Collection by DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against DNF ASSOCIATES. 
Account Name : XXXX XXXX Account number : XXXX I. Dispute Regarding Debt : I am writing to dispute a debt collection matter with DNF Associates. I am unaware of any such debt and have not had a prior opportunity to contest it before it appeared on my credit report. 

II. Improper Notification : I did not receive proper notification regarding this alleged debt. DNF Associates has not furnished a certified mail receipt with my signature, demonstrating I received notification at least five days before the debt appeared on my credit report. 

III. Rights Under FDCPA and FCRA : I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These acts ensure proper debt collection procedures and the accuracy of information reflected in consumer reports. 

IV. Demand for Information and Removal : Therefore, I demand the following : Immediate deletion of the collection/charge-off account : Since DNF Associates can not verify proper notification, I request the immediate removal of this entry from my credit report. 

Purchase Agreement : Please provide a copy of the purchase agreement associated with this alleged debt. 

Debt Collection License and Bond : Furnish proof of your licensing and bonding as a debt collector in my state. 

V. Legal Citations : My request is supported by the following consumer protection laws : 12 CFR 1006.34 ( d ) : Requires debt collectors to provide validation information upon request.

15 USC 1681-s-2 ( 7 ) ( a ) : Prohibits furnishing inaccurate information to credit reporting agencies.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Dictates providing clear and accurate debt validation details to consumers.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates debt collectors to send debt validation information within five days upon initial contact.

Please note : These actions by DNF Associates constitute a violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means. I request DNF ASSOCIATES to cease all communication regarding this debt until they comply with the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This was never mine. My ex left in 2013 and took all my information bank account etc. 
I have not opened this account and know nothing about it till I got this notice of a judgement. 

I have had to fight several of the debts he opened. In my name. 


Please help me get this cleared from my name Thank you XXXX XXXX
Product: Mortgage

Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a huge inaccuracy on those student loans on my credit report. please review it
Product: Debt collection

Requests were made for proof of debt and this was never produced. The company fails to meet basic obligations in proving evidence of the debt that they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Mortgage

Taylor Morrison XXXX XXXX XXXX Called Taylor Morrison XXXX to drop my private mortgage insurance ( PMI ) - offered info for improvements they declined and said they would review and notify me in 2 weeks didn't get any info XXXX called back and they told me they needed money XXXX {$150.00} paid they took from my checking- I offered improvement info and they declined it and they said they would contact me by XXXX didn't hear back XXXX called back to follow up and they said they needed 2 more weeks XXXX called back and they said they mailed my money back cuz they didn't get my improvement list- I checked my mail box and no money or letter so called back they took out {$150.00} and gave me an email address to send my improvement list asked me to call back XXXX to verify receipt XXXX called back and they said they received and said they needed to review and to call back XXXX XXXX called and they said to call back on XXXX for status XXXX called and they said it was ordered and to call back XXXX XXXX called and they said it was not ordered and they needed a check for the appraisal XXXX called and they said they didn't need a check and ( XXXX XXXX initials she said ) ordered the appraisal XXXX called back to confirm it was ordered and they said due XXXX but I could call for a status on XXXX XXXX rec 'd letter transferring my servicing XXXX and can no longer assist as of Friday XXXX so I called and spoke to a manager XXXX and she told me to call back tomorrow for a status update. I requested a person 's name and extension and **** I have paid PMI for 2 months ( XXXX ) and going on 3 months ( XXXX ) which should not be necessary since I know the value of my home is more than what is needed to drop the PMI. I got an appraisal for a HELOC in about 3 weeks time with an appraisal and the value was $ XXXX over what I need to drop the PMI. Every Taylor Morrison XXXX employee said I need to let the process work itself out and they can not rush anything. They just say the same thing over and over and then to call back. I am concerned I am going to have to start this process ALL over at the new servicer Monday XX/XX/XXXX and pay another 2 months of mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has reported late payments on a closed account from XX/XX/2012. I have never paid this account late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

why do they no report paid on time but if you mi ss one they  report quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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 or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

Your card product has some issues. Lets start with the one Im most annoyed with currently that I believe to be the biggest UDAAP risk to upgrade ... there is no way to schedule a payment close to your statement cycle date, and the payoff option is also not available. I wanted to payoff the card on Friday before the account cycled, but was unable to. The closest it would let me get was the day after my statement cycles. And before you say, oh, you could have called us, just know I tried and I sat on hold for almost two hours waiting to get to a person. 

Because the upgrade card is less of a card product and more of a line of credit product, you are not charging compounding interest, you are charging daily simple interest. I am unable to keep myself from receiving this daily interest charge between XX/XX/XXXX when I wanted to pay my card and XX/XX/XXXX when the screenshots below say I could pay my card because your system unfairly disallows customers who want to pay off the balance in full. Also, you are then causing a trickle down effect with your already incredibly delayed credit reporting - now my account wont show as paid in full for two months which can adversely impact me if I am trying to get credit elsewhere. 

This brings me to my next point. The way the card is presented to the bureaus is deceptive at best. You call the product a card but in your metro2 reporting, you represent it as a personal loan. Maybe somebody got lazy when you were building the product and didnt want to create another metro2 file every month, but it has negative consumer impacts. You are not showing the available credit, you are not showing it as revolving, you are constantly editing the highest account balance with every new report because they see the trade line as essentially new. If I thought it would get me anywhere, Id have filed an FCRA dispute by now, but I know it wont. 

Third issue Im currently facing with my upgrade card - your company does not follow NACHA requirements. There is no way for a customer to cancel their payment on your website and obviously hiring enough people to answer the phone is a challenge. You need to rework your payment confirmation emails to contain all of the necessary pieces of information to remain NACHA compliant as well as allowing self-service options for cancelling payments via app/web.
Product: Credit card or prepaid card

I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service, benefit or products. I don even have a membership for some of those places.

My wallet was stolen and I put a hold on the card as soon I got home They would not reverse those charges and want me to pay for something I never got the benefit
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I revived this text message stating I tried to apply for a loan. I immediately looked to report them I didnt XXXX up for it and I have my identity compromised. XXXX has already took 4 things off my credit please help and catch these scum. I never signed up for anything and they a fraudulent scammers who will get your info to steal your identity. Trust me mine has been stolen and its a nightmare. Take the steps to report this to the right people, and dont let these scumbags prosper. God Bless America!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : XXXX XXXX XXXX XXXX, original : XXXX XXXX XXXX XXXX XXXX. 

I sent TransUnion a dispute letter in XXXX, XXXX and XX/XX/2020.  Transunion has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law. 

I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XX/XX/2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b. 

Please see attachment ;
Product: Mortgage

Freedom mortgage reported me late on my mortgage when I paid it on time. I paid it near the end of the month but not over 30 days late like it is now reporting on my credit report. This really harms me because I am going through a refinance with another lender and they are helping me save money on my payments. I feel like Freedom is doing this so that I have to stay with them as my servicer. The company that is helping me with my refinance and I have been in contact with Freedom at least over a month with no response.. we keep on getting the run around. My credit score due to this has dropped from XXXX+ to below XXXX which is ruining my credit.
Product: Checking or savings account

Filed a complaint. Received a response followed the direction of the response but i still have not received access to my funds in the new account the okd accoung was closed by them so ive received no more information
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Product: Credit card

On XX/XX/XXXX I made a reservation with at XXXX XXXX XXXX ( XXXX ) for a stay at XXXX XXXX XXXX XXXX for a stay in XXXX, XXXX. This reservation required a deposit of {$190.00} which I made with my Southwest Airlines Chase Bank credit card. 

On XX/XX/XXXX I cancelled the reservation, not remembering at that time that the deposit payment referenced above was made with the Chase Bank card that I had cancelled in XXXX  XXXX. XXXX, which handles XXXX XXXX XXXX XXXX, processed the refund on XX/XX/XXXX and they have documented that the refund was processed by Chase Bank ( see document attached ). 

As attached emails indicate, I made repeated requests to Chase Bank to resolve this matter. During my first phone call to Chase Card, they agreed to send me a letter that I could forward to XXXX documenting that my account had been closed and thus, a refund to me via the account was not possible. When I did not received the promised letter, I again called Chase Card customer service and was advised that I needed to send a fax detailing the matter to Chase Card 's offices. I did so and again did not receive a response. Finally, on XX/XX/XXXX I sent a letter to Chase Bank offices regarding the matter requesting a resolution and again have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.