23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As a customer, I respectfully disagree with the response provided by JPMC regarding the late payment reporting on my credit card account ending in XXXX. While I appreciate their response and willingness to assist, I believe there are valid reasons why the late payments should be removed from my credit history. 

Firstly, I have spoken with the credit reporting agencies, and they have acknowledged that late payments related to COVID-19 hardships should not negatively impact my credit history. The COVID-19 pandemic has caused financial difficulties for many individuals, and the government and financial institutions have recognized this by implementing various relief measures. It is essential for JPMC, as a responsible lender, to take into account the exceptional circumstances brought on by the pandemic when reporting late payments. 

Secondly, the Fair Credit Reporting Act ( FCRA ) emphasizes accuracy and fairness in credit reporting. While the Cardmember Agreement may state that JPMC can provide information to credit reporting agencies, it is equally crucial for them to ensure that the information furnished is accurate and up-to-date. If there were extenuating circumstances, such as those caused by the pandemic, that led to the late payments, it is only fair that these be considered when reporting to credit bureaus. 

Moreover, Regulation P ( Privacy of Consumer Financial Information ) does not supersede the FCRA 's requirements for accurate credit reporting. Both regulations should be interpreted and applied in a manner that upholds consumers ' rights and protects their financial well-being. Reporting late payments caused by circumstances beyond the consumer 's control, such as COVID-19, is not in line with the spirit of fairness and accuracy promoted by these regulations.

I understand that JPMC has received a dispute from the credit reporting agencies regarding my account. However, it is my right as a consumer to communicate directly with JPMC regarding my credit reporting concerns. Ignoring direct correspondence from customers can hinder open communication and resolution of disputes.

In light of the above arguments, I kindly request that JPMC reevaluates its decision and removes the late payments from my credit history. I believe this is not only fair but also in accordance with the FCRA and the guidelines set forth during the pandemic to protect consumers from undue harm to their creditworthiness.

I look forward to a positive resolution on this matter and request that a response be provided directly to me to ensure effective communication and transparency in this process. Thank you for your attention to this matter, and I hope we can reach an agreeable solution promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Product: Credit card

I placed a dispute with my Wells Fargo Credit card for a purchased at XXXX XXXX XXXX  in the amount of {$17000.00} on XXXX XXXX. Wells Fargo denial my complaint on XX/XX/XXXX. The Merchant lied that I was explicately informed of " no refunds or returns '', at no point of the sales was I verbally informed on this policy. The sales agent blindsided me into signed a form telling me this was " for permission to email '' me about skincare information. At no time was I informed that this product was not eligible for " Returnable for Refund ''. Also, when I talked to XXXX, sales agent on XX/XX/XXXX advising her about my " returning the merchandise '', she never advised that this product was not eligible for refund or return. She advised that a manager will be in contact with me. This seems be their standard answer, as I am told a manager will call me every time I call the store. 
I return the merchandise to the store on XX/XX/XXXX after waiting for a response from management, which never came. The representative accepted the Merchandise Return and I was advised a Manager will contact me about a refund. Weeks went by with No Response. I reached back to the store, again I was told a Manager will contact me. To date merchant still has my returned merchandise and the credit card company is allowing the merchant to keep the merchandise and make me liable for the charged amount of {$1700.00} ... the first machine was defective and the exchanged product did hold a charge but I did not use it long enough to see if it any any other issues. It is a high price gadget to have any defectives. I was told that XXXX would pay the remaining balance of this product ... my portion was only {$1600.00} with tax. However, after I left the store, I realized they never asked for my medical insurance information. Again that was another lie. This merchant is not responsive and has not done anything to resolve the issues and Wells Fargo is allowing this merchant to defraud/scam me. I was lured into XXXX XXXX for a facial and I was high pressured into buying this LED machine that I was told it was XXXX XXXX XXXX XXXX XXXX was defective so, they exchanged it, and I informed them of my intention for to return the product on XX/XX/XXXX, a week after the purchase. I was well with in the time period for exchange or refund. Again I was NEVER informed verbally that this product was not eligible for return. I blindsided to signing that written form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an unidentified loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaints. I request that all written confirmation regarding this CFPB complaint be sent to me via email ( XXXX ).
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate thus account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$420.00}.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Shellpoint Mortgage for ongoing, unjust charges to my account. Specifically, I have been charged for force-placed insurance and various attorney fees, and despite my repeated efforts to resolve the matter, the charges have not been corrected. 

I have contacted Shellpoint on multiple occasionsvia phone and emailon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to address these issues. During these interactions, I provided the company with documentation including insurance declaration pages, city tax bills, and even had XXXX XXXX representatives contact them in writing to confirm my insurance coverage. Despite this, Shellpoint has failed to update their records and continues to impose these charges. 

In addition to the force-placed insurance charges, I have raised concerns about the miscellaneous attorney fees being applied to my account. To date, no representative has been able to explain the origin of these fees. I have been charged over {$1500.00} in attorney fees, which are being deducted from my monthly mortgage payment without clear justification. 

At this point, I feel powerless to resolve the issue. Every time I call, I am given the same vague responses and instructed to call back without any real solution or explanation. I am left in a difficult position, as failure to make my mortgage payment could result in foreclosure. 

I am requesting your assistance in resolving this matter, as it seems Shellpoint Mortgage is not taking the necessary steps to correct these unjust charges. 

Thank you for your attention to this issue. I look forward to your help in resolving this matter.
Product: Debt collection

I surrendered a rental property back to the mortgagee in 2012. The property was charged off rather than foreclosures and sent to a collection company. They attempted to collect on the debt and it was later purchased by another company who also attempted to collect. It was later charged off after several years. The property itself was demolished by the city because of it being in poor condition. However, the city is still assessing me property taxes since it is in my name. I tried donating the lot to the city in order to erase the back taxes but there is still a mortgage on the property. The mortgage company wants to pay {$1000.00} in order to release the lien on it so it can be donated.
Product: Debt collection

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called ACIMA DIGITAL FKA SIMPLE, officially registered as a financial service organization within the state of Texas. I have attached a copy of my XXXX credit post that shows as a debt originator and servicer that the debt never belonged to me. I desire my rights as a consumer to be protected under the Fair and Accurate Credit Transaction Act ( FACTA ). As a Texas bonded agent in the collection of its own procured debts, Acima Digital did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that Acima Digital remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not and must be deleted permanently from XXXX respectfully. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reported fraud on my credit report about XXXX XXXXXXXX XXXX it wasn't me they didn't not show me how it was verified to be me. I didn't not open that account. It needs to be deleted now. There is no wet signature proving it was me that created that account. 

XXXX had a data breach and I'm a victim of fraud TransUnion is being sued for not verifying account
Product: Debt collection

Verification of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This letter is sent in response to letter I received on XX/XX/2021. I am requesting that you provide verification of this debt. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt. 
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is in connection with complaint XXXX thru the CFPB. Im writing this complaint after supposedly being issued a check for remaining funds after closing my XX/XX/XXXXXXXX checking account. I was told by XX/XX/XXXX that a check had been sent overnight to me requiring a signature. I never received this check and XX/XX/XXXX admitted that the package was signed for by someone other than me. However, XX/XX/XXXX will not replace this check that has come up missing because they say the check was deposited by me at Wells Fargo bank. And that it is up to Wells Fargo to replace my stolen check. Despite making a complaint againstXX/XX/XXXXXX/XX/XXXXXXXX for this. They continue to blame Wells Fargo and say I have to wait in Wells Fargo to get my money back. Regardless of all my efforts I have received absolutely no proof that this check was in fact ever cashed at a Wells Fargo bank, other than an executive named XXXX from XX/XX/XXXX word. I have requested proof that this check was cashed at Wells Fargo because I dont believe XXXX XXXX I also asked for the Wells Fargo location this check was cashed because Im XXXX XXXX XXXX and have never had a Wells Fargo account and there are no Wells Fargo banks in Ohio at all, which is where I live. So to suggest that I went out of town to a Wells Fargo and somehow cashed this check is ridiculous considering the fact that I literally can not leave my own house because XXXX XXXX. I have never cashed any check at any Wells Fargo. This check was stolen, and my bank XX/XX/XXXXXXXX is putting all the responsibility on Wells Fargo bank say they are the ones who have to issue my money back since the check was cashed at their bank. So I bring this complaint to Wells Fargo asking that this information be provided to me so I can move forward and asking them to refund my money if indeed someone did cash this stolen check at their bank. If this check was not cashed at their bank as stated by XXXX XXXX I ask that I be sent something stating that this check was not cashed at a Wells Fargo so that I may move forward in my complaint against XX/XX/XXXXXXXX who is adamant that Wells Fargo cashed this stolen check
Product: Debt collection

I contact XXXX because XXXX accounts are showing as closed and paid. I was in formed that XXXX bought the debt and now I have defaulted with them. I do know anything about this debt. I need the debt verified and validated. I and requesting that it be removed from my credit file with XXXX, which shows closed and paid.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I've been trying to dispute accounts on my credit report and I keep getting saying it's verified but never received any proof or deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I discovered an account I do not find familiar
Product: Debt collection

Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise
Product: Credit reporting, credit repair services, or other personal consumer reports

i have many credit inquiries that i did not authorize. Experian did nothing to remove them
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.