23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has still yet to remove XXXXXXXX XXXX  from my credit file. I sent over documentation and letters attached through the Consumer Protection Bureau and documentation from XXXX XXXX XXXX and XXXX has followed all guidelines and removed XXXX from credit file when everything was sent over last year. Since Transunion has failed to remove this account I will begin the process of filing a lawsuit against Transunion. I dont owe XXXX XXXX never have. XXXXXXXX XXXX does not own this account. As stated before XXXX and XXXX removed account as soon as they received all the information that the Consumer Financial Bureau forwarded to all credit bureaus. So at this point Transunion is responsible for the drop in my credit score and negligence thats on my credit file. Transunion is benefiting and gaining profit by reporting this fraudulent account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.
Product: Mortgage

I am writing this complaint regarding my mortgage with the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the mortgage company Paramount Residential Mortgage Group Inc. and was subsequently assigned to XXXX XXXX. 

I am also asking XXXXaramount Residential Mortgage to provide me proof that they also provided me the amount of {$310000.00} which is stated in the Note that I have received. The note states " In return for a loan that I have received, I promise to pay XXXX {$310000.00}. I am attempting to obtain proof that I ever received this amount as my records do not reflect that I have ever received a check or deposit for the amount of {$310000.00}. The attached letter is directed to XXXX XXXX, the CFO of Paramount Residential Mortgage. I have attached an affidavit of debt to be completed by the CFO of the above companies swearing that proper consideration was provided and that each company performed to the terms of the agreement at hand. 

Lastly, I have provided a revocation of power of attorney from any party currently claiming to have power of attorney for the mentioned account that is not XXXX XXXX. 

I am hoping that the CFPB can look into this matter and get the party mentioned above to follow through on what I have asked from them
Product: Mortgage

My mortgage modification was started last XXXX and set to begin in XXXX with a new payment. I provided the paperwork, signed, witness by notary public in XXXX. Freedom never acknowledged and after a few phone calls I found out they had a problem with a mark the notary made and didn't tell me. I requested another notary come out so we could resign and submit paperwork. That was done in early XXXX. I had begun making my new payment amount in XXXX ( and have in XXXX and XXXX, as well ) but the account doesn't reflect any of my modification. It shows " severely delinquent '' and I've received tons of mail communication about how much I owe and what will happen if I don't pay. I've sent over 13 messages through their system ( unanswered ) and called numerous times to get things on track and get answers as to when all of this will be corrected so I can set up recurring monthly payments and actually see where my money is going and what I still owe, and they lie every time about contacting me back to confirm. I've had several dates they promised an update and never gave it. Last week I spoke with 2 escalation agents, one set an appointment in the system for someone from XXXX to contact me and I took the time out of work and no one ever called. I called back the escalation agents and was promised another follow-up call that never came. This company seems to have no interest at all in the well-being of the customer. This has cost me in terms of money, time lost and now health issues. They also flat-out lie about there being a single point of contact working my case with familiarity on all the communications, as each time I've spoken to someone different and they've even stated that's not how the system is set up. So, every single phone call requires me to re-explain the entire history and I can't deal with this any more. They don't deserve my money in the meantime because they're clearly not providing the service they promise. Today, I discovered that they've reported me as 180+ days late on my payments- but they've had the full payment required under the modification terms each month since the modification was supposed to start! They're ruining my credit and they're the ones who can't seem to just finish their own process! I've done my part and continue to, no matter how difficult they make it!!!
Product: Debt collection

Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous dispute and demand the immediate removal of the erroneous and unrecognized accounts from my credit report.
Product: Vehicle loan or lease

Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX  Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.
Product: Credit card or prepaid card

re ; Capital 1 case # XXXX. I was set up with auto pay to pay XXXX XXXX XXXX  phone charges. I switched to XXXX on XXXX. XXXX. I called XXXX XXXX XXXX cust.svc on XXXX to Cancel svc. I was informed by the rep that my svc was automatically cancelled when I pulled my phone # to another carrier. I called Capital 1 on XX/XX/23 to dispute the charge made by XXXX XXXX XXXX and that Capital 1 was trying to collect on. I received a response dated XX/XX/23 that XXXX XXXX XXXX asserted I had NOT cancelled my service and that my dispute was denied. I again called Cap1 on XX/XX/23 to dispute XXXX XXXX XXXX 's claim that I hadn't cancelled and requested proof of XXXX XXXX XXXX 's claim. A letter dated XX/XX/23 sent copies of XXXX XXXX XXXX 's documentation that was to substantiate their claim that was COMPLETELY unreadable and proved nothing. On XX/XX/23 I sent an email to Cap1 with my substantiation for my dispute. There was no response from Cap1 other than continued billings. Finally on XX/XX/23 I AGAIN called Cap1 and was told that there IS NO email available to send documentation to the dispute team. Instead I needed to send docs via a link they provided. I complied and reiterated the need to send me proof of XXXX XXXX XXXX 's claim. I received a response denying my dispute and AGAIN not providing me proof!
Product: Debt collection

I am contacting you regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern as I received no prior notification about this collection. Moreover, I have substantial doubts about the validity of the claimed debt. 

Invoking my rights under the Fair Debt Collection Practices Act, I formally request validation of this debt. I expect you to furnish this validation and take appropriate measures to address this issue promptly. 

Please note that a comprehensive response, including all requested documentation, must be provided within 15 days of this communication 's date. Be advised that an unsatisfactory or incomplete validation response within this timeframe will be deemed insufficient.
Product: Credit reporting or other personal consumer reports

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Product: Debt collection

On XX/XX/19 I received a debt collection notice= {$180.00} for medical services I did NOT receive because I was NEVER a patient at the hospital in question. I called the collection agency on XX/XX/19 & informed them I am not the patient. 

I also wrote to the hospital in question & have also written a letter to the collection agency disputing the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am attaching a letter which I wrote and mailed to you about this situation. The letter was returned as not deliverable as you no longer have the po box which Experian gave as place to send any complaints about credit dispute results. 

I am also including copies of the relevant pages from my separation and divorce decrees which show that my ex-husband and I were each respectively responsible and liable for our own incurred liabilities subsequent to our date of separation. While the XXXX XXXX is not listed in our paperwork, it is a credit card that my ex-husband retained and became solely responsible for any liabilities incurred from the date of our separation forward. We have been separated and divorced for over 20 years.
Product: Debt collection

Macy 's American Express Card. Received a piece of communication XX/XX/XXXX with wrong last numbers to end of letter ( 2190 ). I had lost a credit card inside Macy 's on counter with a bag of purchase on XX/XX/XXXX. I went back into store, inquired about my card which was : XXXX.at this time. The card and most everything was missing out of the bag.I came home and also called them for here at home. A girl by name of XXXX said no problem we'll take it off. And said we'll send another card. I said no please don't until all is settled. received within 4 days. I have called the Citi Bank that has Macy 's & another store 's collection accounts in XXXX, XXXXI never received a bill that I was in collections. Nothing from Macy 's account online? I have spoken to 5-8 people per day to try and straighten out until I Called Macy 's in XXXX. Nothing other than keep trying? for hours on hold. First no balance, then you have to pay old card even though stolen/lost, kept saying you at fault, ( me ). When I called Macy 's before I used new card : you have NO balance, we are sure. I used the card a couple of times and returned every purchase due to not fitting. Now they say I owe old balance and finance charges. Interest charges, etc. I am done reported to credit bureau 's no help at all.I kept receipts they didn't even have. When asked to speak with Supervisor, they said we all same here? Please advise? because I don't know what to do. I have gone back to store, made sure I have copies of every receipt. Help I beg of you. Thank you.
Product: Checking or savings account

My accounts were always off and when I reported them to Wells Fargo it was always some kind of fee I was made to pay or the incorrection was on my end. I was charged fees from XXXX XXXX XXXX  which is what made me switch banks.
Product: Debt collection

Attached is everything I sent to the property management havent received anything back and will move forward to sue due to not removing this debt when I sent numerous complaints about this matter. Will file a police report did not know I can file a report if I dont know who did it.
Product: Checking or savings account

I have been accessed overdraft fees when I have money in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand they remove these inquiries of my credit report. I did not authorise these on my credit. Equifax and XXXX refuse to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the reporting of a charge-off on my credit report for an account listed with JPMCB CARD. This account has been reported as charged off with {$13000.00} written off, as reflected on my credit report. JPMCB ( contact information : XXXX, DE XXXX, phone : ( XXXX ) XXXX ) has reported this charge-off despite significant irregularities in their handling of my account. 

First, JPMCB closed my account abruptly and without notice in XX/XX/XXXX. This closure came as a complete surprise, as I had consistently maintained my account in good standing. A review of my payment history will show that I had no missed payments, and I had always paid my account responsibly. Despite this, JPMCB randomly decided to close my account without providing me any reasoning or documentation to explain their decision. 

Second, JPMCB has reported this account as a charge-off and appears to have claimed it as a write-off for their tax purposes, yet they have failed to issue me a Form 1099-C as required under 26 U.S.C. 6050P of the Internal Revenue Code. Creditors are obligated to issue a Form 1099-C when debts of {$600.00} or more are canceled, but JPMCB has not done so in this case. Additionally, in In re Reed, 492 B.R. 261 ( Bankr. E.D. Tenn. 2013 ), the court noted that the issuance of a Form 1099-C serves as evidence of a creditors intent to cancel a debt. The absence of this form raises questions about whether this debt was truly canceled or if the reporting is inaccurate.

This inconsistent reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that all information furnished to credit bureaus be accurate, complete, and verifiable. Without a Form 1099-C or proper explanation of the account closure and subsequent charge-off, the reporting from JPMCB can not be considered accurate or verifiable.

I respectfully request that you investigate this matter and take the following actions : 1. Verify whether JPMCB has issued a Form 1099-C in connection with this charge-off.

2. Investigate the account closure and confirm the accuracy of the charge-off reporting, given my history of timely payments.

3. If JPMCB has not issued a Form 1099-C or can not provide documentation justifying the account closure when payments were in good standing and no missed payments were on the account and charge-off, remove the charge-off notation from my credit report as it lacks proper verification and compliance with applicable laws. 

Thank you for your prompt attention to this matter.
Product: Bank account or service

I applied for a condo mortgage for a vacation property at Bank of the West through a loan broker named XXXX in their XXXX, CA office ( XXXX ). He assured me he had gotten loans approved at the exact same complex very recently. The condo association lists itself as a " condo hotel '' association rather than a vacation condo complex, and I had already had a loan fall through at a normal residential property rate with a different lender, because the " condo hotel '' association was viewed as a rental property rather than a vacation property, I insisted with XXXX that I would not spend money on another ( second ) home appraisal unless I had his assurance that I would get the loan, barring any issues unrelated to its being a condo hotel. He assured me he had just gotten a loan approved at the complex, and it should be no problem. He locked my rate at a very attractive rate ( 4.25 % ) based on my opening up XXXX bank accounts with Bank of the West, and I went ahead with the appraisal based on his assurance that I would get the loan. Bank of the West charged me {$650.00} for the appraisal, and at the end of the loan review process, the bank denied the loan for the exact same reason - that it was a condo hotel association, and they were treating it as a rental property rather than a vacation home. Understandably unhappy with XXXX for leading me on and costing me {$650.00} for nothing, I insisted he make it right and refund my money, but he did not. They cheated me out of {$650.00} and kept me from purchasing my vacation home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the IMMEDIATE removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was compromised in a data breach, resulting in unauthorized inquiries made without my consent or knowledge. I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), yet you continue to deny my valid dispute and fail to remove these inquiries. 

Let me be clear : your continued denial of my requests is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without permissible purpose, and your refusal to remove them is illegal. You are in violation of the following critical provisions of the FCRA : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard and should have been removed immediately upon dispute.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information. Your failure to remove these inquiries after my dispute is a clear violation of this law.

3. 15 U.S.C. 1681n - Liability for willful noncompliance. Continuing to report these unauthorized inquiries is willful noncompliance, and you are now legally exposed to both civil penalties and damages. 

The fact that you have ignored my dispute and legal rights for so long is unacceptable. I am giving you one final notice to remove these unauthorized inquiries within 24 hours from the receipt of this letter. 

Failure to comply will result in the following immediate actions : I will escalate my complaint to both the CFPB and the FTC for noncompliance with federal regulations. 
I will pursue legal action for damages caused by the continued reporting of these unauthorized inquiries, including damages for the harm to my credit, as well as potential punitive damages for willful misconduct. 
I will take further legal action to hold you accountable under the provisions of the FCRA. 

This matter is no longer negotiable. You have already been afforded ample time to act, and I will no longer tolerate any further denials or delays. You must remove these inquiries immediately and provide written confirmation of their removal. 

Failure to comply within 24 hours will result in XXXX and severe legal and regulatory actions. I expect to see the immediate removal of these inquiries without any further obstruction or excuses. 

Sincerely, XXXX XXXX
Product: Credit card

Dear CFPB representative, Please let me know if Sears Master Card is in violation any laws by applying my monthly credit card payments to the promo balance which expires later ( XX/XX/XXXX ) than to the differed purchase balance which expires earlier ( XX/XX/XXXX ). I will attach statement and /or screenshots. Thanks. XXXX XXXX Last four digits of my Sears Master Card are XXXX
Product: Credit reporting or other personal consumer reports

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
I am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).