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

On XX/XX/, using TU 's online dispute system, I disputed the amount due on my XXXX card. Thereafter, instead of correcting amount due, TU deleted the card account entirely from my credit profile. This led to a significant drop in my credit score as this was a longstanding card with no derogatory entries. 

I have repeatedly spoken to TU demanding that they re-insert my XXXX account on my credit profile. I have sent them a letter from XXXX stating that XXXX had reported the account balance and payment history to TU. To date, the XXXX card has not been re-inserted. 

I did not request the account be deleted. Rather, I simply disputed the amount shown on the report as being due. 

I have sent a letter directly to TU asking it to re-instate the card. 

To date, the card has not been put back on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited Experian 's website because they said I could get a free copy of my credit report. I monitor my credit through XXXX XXXX. It has data from XXXX  and XXXX but not Experian. I also check my FICO score through my XXXX XXXX XXXX account. I thought I was getting a free credit score from Experian as they advertised, but now they have billed me for a monthly subscription of {$21.00} for XXXX and XXXX, 2019. I called them twice and got through today to XXXX in the XXXX who agreed to cancel my subscription but no refunds. I complained and now he is refunding the XXXX fee of {$21.00} but not the XXXX 2019 charge of {$21.00}. I don't feel this is right. Their website is set up to trick people into subscribing. I don't need their service. They should also refund the XXXX 2019 charge. I don't get anything for their charges and I don't need it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

PayPal was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. PayPal was used as Venmo or XXXX. 
I wanted to borrow {$260.00} credit from PayPal to deposit in my XXXX  checking account. 
Unfortunately I did not realize I had it set up for PayPal to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called PayPal to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay PayPal and charge me, the investigation would take 10 days. 
I did not get charged for it. My PayPal was negative {$260.00} from the canceled transaction. I called to ask PayPal how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a PayPal account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off PayPal upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read PayPal has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out in regards to the credit bureaus not notifying me of my dispute investigation. It has been more than 2 months and haven't received any results. I mailed out a regular dispute letter on XX/XX/2020 and a 60 day demand to comply on XX/XX/2020. I have no choice but to file a complaint with the cfpb.
Product: Mortgage

I am a natural person, consumer and Original Creditor. Actions that were taken me are below. My right to rescind was oppressed.

I have exercised my right to rescind within three years and the alleged obligation has not been fulfilled. I was met with a response from XXXX XXXX, Executive Resolution Advocate and member of Quicken Loans Senior Research Team. I sent certified mail with green return receipt. On the comparable recession form provided to me by Quicken Loans, XXXX XXXX, Director of Accounting & Political Programs at Quicken Loans is who I expected a response from per their request to address it to the Accounting Director.

I again am exercising my right to rescind from this consumer credit transaction, pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ). Coupled with this cover letter is the, Notice of Right to Cancel form signed by me, the consumer. XXXX XXXX XXXX. In addition, I, XXXX XXXX am aware of 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) and have identified that a finance charge, defined pursuant to 15 U.S. Code 1605 was assessed however, it did not include the sum of all charges ; Insurance ; ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I, the consumer demand cure pursuant to 15 U.S. Code 1640 ( 2 ) ( A ) ( i ). Pursuant to 15 U.S. Code 1692e I the consumer was called a Borrower, that is false and misleading due to the fact that this is a consumer credit transaction.

Under 15 U.S. Code 1635 ( a ) ( b ) ( f ) - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind - Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Pursuant to 15 U.S. Code 1635 ( a ) ( b ) ( f ) I have the right to recession of any consumer credit transaction according to section ( 4 ) Applicability - This subsection shall apply to all consumer credit transactions in existence or consummated on or after XXXX XXXX XXXX. Secondly, section ( f ) Time limit for exercise of right - An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first.

15 U.S. Code 1605 - See proof attached as Exhibit A 15 U.S. Code 1640 ( 2 ) ( A ) ( i ) ( i ) - See proof attached as Exhibit B 15 U.S. Code 1635 ( a ) ( b ) ( f ) - See proof attached as Exhibit C 15 U.S. Code 1692e - See proof attached as Exhibit C Fact, applicable law is federal law. See proof attached as Exhibit E
Product: Credit reporting or other personal consumer reports

For years now Experian has violated privacy laws. XXXX and XXXX BOTH have FINALLY COMPLIED and have removed blocked deleted the furnishing from XXXX XXXX which is FROZEN by the way ; XXXX XXXX DOES NOT HAVE FIRST HAND KNOWLEDGE nor the CONSENT TO USE NON PUBLIC INFORMATION!!!! 

NEITHER OF YOU HAVE SIGNED SOCIAL SECURITY ADMINISTRATION FORM SSA-89 and you are causing DEFAMATION IN THE LIBEL!!! 

REMOVE THIS XXXX!!! 

THE COURTS DO NOT FURNISH DATA SO YOUR DISPLAY IS MISLEADING AND FALSE REPRESENTATION AS YOU PURPORT THE CLERK OF COURT HAS SHARED NON PUBLIC INFORMATION WITH YOU WHICH IS DECEPTIVE TO SAY THE LEAST!!! 

AND YOU ARE MISINFORMING THE PUBLIC YOU ARE GUILTY OF AGGREGATE IDENTITY THEFT!!!! 

COMPLY COMPLY COMPLY EXPERIAN!!!
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are
inaccurately reflecting my credit history due to identity theft. I have thoroughly
reviewed my credit report from your agency and have identified instances of
fraudulent reporting that I believe require immediate attention and rectification. It has
come to my attention that I have been a victim of identity theft, and the reported
fraudulent items are a result of this criminal activity. I have taken immediate steps to
address this situation, including filing a police report and notifying the relevant
authorities.I request your urgent assistance in investigating and rectifying this
fraudulent activity on my credit report, in accordance with the Fair Credit Reporting
Act. I kindly request the removal of the fraudulent items associated with the
mentioned items, as it is negatively affecting my credit history and financial wellbeing. I am aware of the legal requirement for credit bureaus to investigate and
respond to disputes within 30 days. These are the following fraudulent items that I
want to removed of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check on XX/XX/2022. Check was for {$10000.00}. It was from a vehicle sale. It was deposited by a teller at the branch. I received an email and a letter in the mail stating the funds be available on XX/XX/2022. Well on XX/XX/2022 I received notification my account was locked out. I had to go to the branch. I did go in. Talked with a manager there, my account was locked out bc regions couldnt get in touch with XXXXXXXX XXXX to verify the account. The manager called XXXX XXXX  and couldnt get anyone to help. We called the guy to get him to verify the funds, to no avail. So now Im sitting here with {$13000.00} in my account and I cant touch any of my money nor can I use my debit card. I called corporate office and all they say is I have to go back to the branch and let them handle it. They refused to allow me to speak to management or corporate office president. So now Im sitting here without a loaf of bread to feed my son! Nobody can help me. I have spent 6 hours in the phone or in the office trying to fix something XXXX shouldnt have to be doing. Its not my job to verify a check. Thats why I have a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Product: Credit card

Our XXXX XXXX Capital One XXXX statement arrived and we noticed immediately that there was a charge from Garage and XXXX XXXX XXXX XXXX  in the amount of {$690.00}. We live in Massachusetts and haven't been to XXXX XXXX in over 50 years. We called Capital One Fraud Department on or about XX/XX/XXXX and they said they would look into it. Shortly thereafter, we received XXXX letters all on the same day and all dated XX/XX/XXXX. The first one said they were investigating, the second one said we were not responsible and the third one said that we WERE responsible and were being charged because the physical card was used, which was impossible as we had it in our possession the whole time. We have called numerous times and each time they tell us that they will not investigate further as the physical card was used ; each time telling us a different story as to how the card was used. The first time they said the card was physically used, the second time they said the card was tapped and the third time they said the chip was used. We have requested further information but they refuse as they said the card was physically used so it is our responsibility. I have been researching throughout the internet and I have found numerous stories from people that have had the same thing happen to them so the chip isn't as safe as Capital One is claiming it is! Also, I have scanned the internet and there is no company with this name in any search I have made. We are responsible senior citizens and would NEVER not pay what was ours but this charge is not! We have found the representatives extremely rude and dismissive to our problem and actually I was hung up on yesterday, XX/XX/XXXX. We don't know how to proceed as we are not getting any help from Capital One. We would appreciate anything you can do to help us with this fraudulent claim. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ina ccordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
Product: Debt collection

XXXX XXXX is the XXXX, and XXXX in the State of North Carolina. 

The XXXX XXXX apartments are located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone : XXXX. 

Based on my analysis of this situation, I hereby submit this complaint against XXXX XXXX, manager of the XXXX XXXX apartments, and XXXX in the State of North Carolina. 

Here are my thoughts. 

It appears as though management and or other personnel of the apartments did willfully and intentionally alter our lease at the apartments without our knowledge and approval. 

It appears as though management and or other personnel vandalize the carpet in the apartment that we rented and vacated at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, XXXX XXXX XXXX XXXX, XXXX NC XXXX, phone : XXXX to collect payment from me for damaging said carpet and violating said lease. 

Based on my analysis of this situation, I hereby submit this complaint against Resolve Partners. 

Here are my thoughts. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX XXXX with no substantiated proof of wrong doing by me.
Product: Mortgage

Cross Country Mortgage made my home buying experience one of the worst experiences of my life. I was told that my taxes would be fixed to reflect that my property is my primary residence. Instead my mortgage was increased due to taxes within less than a year and I have yet to receive my exemption. I was told time and tone again that getting my tax exemption would not be an issue, but apparently that was a complete lie. Also as a first time buyer I didnt receive any grants. My down payment amount increased several including the day of closing. I wouldnt recommend anyone to use their services.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX