23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit card or prepaid card

I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my " cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. 

Here is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. 

XXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. 

Here I have to summarize one more time to point out that the error is made by CHASE. 
Attached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. 

XXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX  XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX  XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. 
I have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. 

2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. 

3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX  XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. 


Thanks for your attention in this matter. 
XXXX XXXX CC : Consumer Finance Protection Bureau
Product: Mortgage

I have closed on the sale of my home on XX/XX/21. The escrow payment has been held for three months and counting after the loan was paid off. I've called 7 times and keep getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax XX/XX/18 that says they want me to mail copies of my social security card and other personal info to verify my identity. I am trying to get a copy of my Equifax credit report, because I believe it contains false info. I have already filed a report at XXXX. and have the report number. I did not have any problems getting this information from XXXX or XXXX and the info on those reports appears to be correct. I also want to place a seven year freeze on my credit and can not do to the resistance from Equifax. If Equifax would look at the info on XXXX  and XXXX the problem would be perfectly clear. I do not want to send anything to Equifax because they obviously have done something to make this a problem. I feel it is discrimination, because it is ONLY Equifax.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX Account # 's XXXX, XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRY : XXXX XXXX XXXX IS XX/XX/year> XXXX 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX was a previous loan processor ( home loan ). 
Prior to XXXX ; Previous mortgage processor ( XXXX XXXX ) stopped collecting for ALL escrow. 
XXXX XXXX stopped collecting Escrow, and I paid ( in time ) taxes/insurance AFTER I paid, XXXX funding paid ( 2nd? ) property tax w/o prompting. ( Unclear if this is true ) I continued to pay loan ( only ) w/ XXXX XXXX. 
XXXX funding sold loan to Shellpoint. 
I made several payments to Shellpoint. 
Shellpoint found XXXX XXXX 's error, and : XXXX. Billed me ON MY MORTGAGE the {$4000.00} ( as escrow ) XXXX. Billed me for current escrow. 
XXXX. Refused to " accept '' loan payment ( now late fees are applying ) Side notes : XXXX. XXXX / Shellpoint NEVER notified me that the property tax payment was made ( or even should have been made ) 2. Property tax payment by me was done " one time ''. 
XXXX. XXXX funding on the check stub paying me for the escrow balance - notified they were no longer covering ( collecting ) escrow. 
Note : These companies have been known to falsify documents when regulators are involved.
Product: Credit reporting or other personal consumer reports

medical debt under XXXX was supposed to not be reported by the 3 cr burs as of 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Money transfer, virtual currency, or money service

I sold 3 French bulldogs to 3 different people and the bank kept my funds and now they wont give it back
Product: Credit card or prepaid card

To Whom It May Concern : On Friday XX/XX/XXXX my wife and I booked our anniversary trip to XXXX XXXX using our Capital One credit card rewards. The trip ID is XXXX which included 3 nights from XX/XX/XXXX XXXX XXXX. The reservation was for room type XXXX XXXX XXXX XXXX and the total reward miles was XXXX. When we arrived and the XXXX to check in, the front desk pulled up our reservation using confirmation # XXXX. They had this reservation for a standard room and not the XXXX XXXX XXXX XXXX. Their response was Capital One has been selling consumers the wrong room type. Since it was my anniversary and I had traveled over 4 hours I was forced to pay cash for the 3 night stay. I have asked Capital One to refund me the amount that I paid for the XXXX XXXX XXXX XXXX. They have chosen not to do so at this time.
Product: Debt collection

There is XXXX judgements on my credit report which have been paid in full. This judgement was paid in full a little over a month ago and is still not showing the judgement released, but again the company itself is showing account paid in full. This is preventing me from obtaining a home loan and I have asked the companies personally to take care of this issue previously. I was told that I needed to dispute with on my credit report and I have done that twice now and the judgements are still not showing released. I have took the time and taken care of this debt and I would appreciate the companies compliance in regards to releasing the judgements on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX. How can a consumer accrue late payments if the account has already been paid? I previously requested that the Creit Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Product: Vehicle loan or lease

I got the car on XX/XX/XXXX and I have tried since XX/XX/XXXX that they cancel contract. Because I can't make 184 a month and I told them that plus I am a patient at XXXX XXXX XXXX i bipolar manic depressive and classified XXXX XXXX XXXX XXXX and I did not understand the contract fully a person that is unable to pay debts can not enter into a contract and a person with psychological disability can not enter a contract the credit acceptance corporation will not listen I tried telling them my medical condition but they still won't void the contract i did understand the contract and not able to pay I have someone that helps with my bills and won't pay a car payment when the buyer is mentally disabled I need this contract voided and I need my car back I was on medication when I. Went to dealership and I went there to find out if I could get my XXXX fixed then all sudden I'm signing papers I don't remember doing
Product: Vehicle loan or lease

XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to be disconnected. 
XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to receive a recording that no one was available and to call back during regular business hours, then disconnected me. 
XX/XX/2020 at XXXX, I am still holding at XXXX. The message at the beginning said the wait was approximately 2 hours. They also stated they were complying with the COVID-19 quarantine, but I have family that are XXXX, and they work from home now! This company knows that people are desperate, and need a way to speak with them right now. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account and the resolution of the dispute was that the account should be deleted but it is still reporting on my credit file. Please review the following attachment.
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy ( 15 USC 1681 ( section 6 O 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Debt has been paid and closed through XXXX. For some reason it has yet to be removed from CHexSystems
Product: Credit reporting

Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date
Product: Credit card or prepaid card

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times because i noticed they are reporting Mohela accounts on my report that does not belong to me, When i tried to call i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone. 

My call is continued left bouncing around for hours. 

Finally after many attempts, i was told that those 4 Mohela accounts can not be dispute and they were validated. 

i did not sign or agree to any contract with Mohela, I did not Provide Mohela with my social security number, i did not provide Mohela with my private home address, i did not provide Mohela with my ID or phone number. I never provided any wet ink signature to Mohela These are the amounts. 

MOHELA {$7700.00} MOHELA {$3800.00} MOHELA {$8100.00} MOHELA {$4900.00}
Product: Credit reporting or other personal consumer reports

Hello, I've gone through my credit report recently and noticed there are a lot of fraudulent inquiries on it... I've reached out to all the credit unions to get them removed but they won't help. 

So I've reached out to all the companies and they've never called back, I'm really trying to fix my credit and these are really tanking it. Please see below for the final list : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Here is the only one that isn't fraudulent : XXXX XX/XX/XXXX Equifax
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by zelle which is a service offered by XXXX XXXX. A payment of {$330.00} was made to a rep from the company named XXXX XXXX  at phone number XXXX XXXX XXXX. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted Zelle directly and THEY stated that I had to contact XXXX for a claim. On XX/XX/XXXX, I contacted XXXX by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from XXXX stating that my claim was denied because the purchase was valid? XXXX has failed to help me with this fraudulent case. Zelle needs to reverse the funds and return them to me.
Product: Mortgage

We closed on our home on XX/XX/2021 with EAVE, dba Homelight Home Loans. They subsequently sold our loan to XXXX XXXX approximately one month later. 

On XX/XX/2021 EAVE, dba Homelight Home Loans pulled an unauthorized credit report on my wife and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : CAPITAL XXXX Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$890.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$590.00} Date Reported : XX/XX/XXXX Creditor : XXXX OF XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely,