23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

WE disputed a transaction, we received the item XXXX but it had missing parts, We told the company and they responded by saying we received the time, but we contacted PayPal, we told them we sent the item back. 
They refunded the money then later sent a letter in the mail saying we need to contact our credit card company. Paypal is under synchrony bank. That is who we pay each money. Below you will see the charge, They credit our account and took the money back. The company has their product we provided documentation that the item was sent back to the company. Synchrony bank refuse to give us our money back About XXXX We received notice that you disputed the following transaction with your financial institution or credit card company. 
Case ID XXXX Transaction Amount {$48.00} USD Dispute Amount {$48.00} USD Transaction ID XXXX Transaction Date XX/XX/2021 XXXX
Product: Mortgage

XXXX XXXX, Attorney at Law, Bar Number XXXX Attorney for JP Morgan Mortgage XXXX. 

I received my XXXX from JP MORGAN MORTGAGE XXXX which is filing for the release of income converted from mortgage debt for the IRS. The mortgage company JP MORGAN MORTGAGE XXXX XXXX sold the debt to XXXX Mortgage in XXXX and after numerous of conversations with JP MORGAN MORTGAGE ACQUISITION about interest that they may have in my real property I have been deceived by JP MORGAN MORTGAGE XXXX XXXX stating that they have no interest. Why are they attempting a fraudulent foreclosure in the matter of my real estate? Throughout my bankruptcy proceedings both XXXX XXXX JP Morgan Mortgage were parties in the proceedings. I did not refinance with XXXX XXXX JP Morgan Mortgage sold the debt instrument to XXXX in XXXX! This is a double fraudulent transaction! XXXX maintains that they hold rights to the security debt instrument while JP Morgan Mortgage attempts a fraudulent foreclosure! How can JP MORGAN MORTGAGE FORECLOSE IF THEY SOLD THE MORTGAGE. XXXX XXXX XXXX XXXX  for the United States XXXX states that no debt be paid with any legal tender but XXXX & XXXX coin. The promissory note is the OID WINDOW IN WHICH THE PROMISSORY NOTE NULLS & VOIDS THE MORTGAGE. XXXX POLICY XXXX, & XXXX are being ignored by both JP MORTGAGE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

Experian : XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2023, I sent a debt validation letter to Debt Recovery Solutions, this letter explicitly requested the agreement between the original creditor that grants the authority to collect the alleged debt, the date of the original delinquency, verification that the debt was assigned or sold to the collector, and proof that they are licensed in my state to collect debt. On XX/XX/2023 XXXX XXXX sent an EMAIL with a copy of the original contract. I responded stating that the following items requested were not validated, in turn I was told to refer to the original email. 

Upon further investigation of the original contract, it is shown that this debt has been Re-aged by the collector. This is illegal due to FCRA Section 623 ( 5 ) ( A ) and I will exercise my rights to have this removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in an item to Experian and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.
Product: Vehicle loan or lease

I have been paying this loan since XXXX, it was for {$10000.00} to pay for a used XXXX XXXX XXXX worth {$5000.00}. Ive had to get extensions on it, especially during the pandemic closures- during which I was charged obscene amounts of interest. Ive had it repossessed once as well. Ive paid {$11000.00} on this load and still have to pay {$9000.00} to settle it for a car thats now worth about {$2000.00} ( I cant afford to make repairs ). This loans feels like it will never end. I am always late because they wont negotiate the rate, they only offer extensions and they dont tell you what they charge will be until later. Their site is also setup so that you dont see how your payments are calculated towards your loan, you only see the transaction history and the pay off/principal balance- which is only like {$100.00} less than my original loan from two years ago, {$11000.00} later.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on

my credit report, without any authorization, do not belong to me Identity Theft BK OF AMER Account Number : XXXX  This is not mine. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 3. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 4. Identity Theft XXXX  Account Number : XXXX  This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 6. Identity Theft XXXX  Account Number : XXXX  This is not mine. Identity Theft XXXX/XXXX  Account Number : XXXX  This is not mine. Identity Theft. Identity Theft XXXX  XXXX  Account Number : XXXX  This
is not mine.

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

XXXX, TransUnion XXXX XXXX are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXXXXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXXXXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX  as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
Product: Debt collection

The bill is at an address I have rental property. I have never lived at that address. The mortgage is in my name. Per the collection agency, the email address is for XXXX. I have an XXXX XXXX XXXX  account, never had a XXXX XXXX account, for utilitites? I thought the calls were scams, I did not respond. I never received any letters to my residence where I have lived since 2000. Why is this on my credit? Not my bill.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : ALLY FINANCIAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from XXXX student loans. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Product: Mortgage

In XX/XX/2018, we had a water leak. 
XXXX XXXX is the insurance company and US Bank is the Bank servicing the mortgage. 
After many delays in the process of getting the contractor and insurance company to agreement on the funds necessary to complete the work, they agreed upon a price and XXXX XXXX sent us a check which needed to be endorsed by the loan servicer, US Bank and ourselves. 
US Bank has sat on our insurance company 's check for over two months. US Bank has requested information from us four different times since we sent them the XXXX XXXX check for endorsement. Now, after  two months, they are now requesting a physical inspection of our home. Had US Bank been considerate of the fact we can not use our house, the four documents and the inspecton could have been requested two months ago when the insurance check was sent to them for their endorsement. 

US Bank 's servicing department is proving to be in competent and inconsiderate as a servicer. As a result, we have not been able to use our home for two additional months beyond the time it took to get the insuance proceeds from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are ( XXXX ) fraudulent hard inquiries on my Transunion credit report. This was due to identity theft. I have attached an FTC report I sent to Transunion XXXX weeks ago. Transunion has failed to locate the certified mail copy of the FTC report sent in. These hard inquiries are not mine and I have not applied to either of the XXXX companies. I have listed below the ( XXXX ) hard inquiries. 

I have called Transunion more than a dozen times trying to resolve this issue. Ive requested updates on this dispute and documentation. Transunion has failed me as a consumer. Ive disputed this matter over XXXX  days ago. Transunion did not honor their XXXX  day dispute policy. I need the help of the CFPB with helping me resolve this matter. 

Hard inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX
Product: Debt collection

Innovative Recovery has continued to contact me for days via text, email and calls. However, they failed to provide me with a Debt Validation Letter within the timeframe theyre legally required to. They also provided me with no right to dispute the debt or any details about the debt. I believe theyre in violation of the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Product: Debt collection

Phone call made by XXXX XXXX from phone number XXXX on XX/XX/2022 when no contact was requested on XX/XX/2022 when they called from a different phone number. I blocked the previous number they called from but then they called again from a different number when I asked them not to.
Product: Credit reporting or other personal consumer reports

Transunion refuses to remove incorrect credit items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to work the company on numerous occasions to get this situation rectified and asked for a supervisor callback but that has never happened. I want these accounts and public record removed from my file immediately. I have attached XXXX  documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I attempted to access my credit reports online using XXXX. I was unsuccessful in doing so, and was told that I should mail a paper request form to the XXXX XXXX XXXX  XXXX XXXX. I completed the request form, included a cover letter describing my request, and enclosed a photocopy of my Oregon Driver License, as well as a copy of a recent bank statement including my address. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX received my request on XXXX by USPS ( signature confirmation requested ). 

TransUnion replied with a letter dated XXXX titled " Re : Unable to Locate Credit Report '', asking for more identifying information, including proof of my social security number, 2x proof of address, and proof of date of birth, as well as a form. On XXXX, I mailed my response which included a cover letter explaining my request, all the information they requested including copies of my Driver License, Social Security Card, and a recent bank statement with my current address, and a filled out copy of their form. This response was received by TransUnion on XXXX. 

TransUnion then responded to my letter containing further information in a letter dated XXXX titled " Re : Proof of Social Security Number ''. It largely reiterated the requests in the XXXX letter, asking for proof of my social security number along with proof of address and date of birth. I had already provided the information they were asking for in their previous letter, so it was clear that this process was circular. 

I believe that their failure to provide this information is a violation of their obligations under federal law, and am seeking immediate redress from you as a federal regulator.
Product: Credit reporting

My wife and I were victims of tax fraud. When we discovered this, we immediately did credit freezes on our credit files for all XXXX credit bureaus. We were charged for XXXX credit freezes. Per Texas law, if a credit freeze is initiated due to identity theft, the credit freezes should be free. I did not want to wait a week or more to generate a police report, get a copy and then send it in to the credit bureaus for a free report. Instead, I did the credit freezes immediately. I then requested refunds from the credit bureaus due to identity theft. XXXX issues refunds immediately. XXXX refunds are in process. Transunion, on the other hand, had refused, saying that the only way you can get a free credit freeze is by submitting a police report at the time you have requested the credit freeze. First of all, when you have become a victim of identity theft, you want to deal with it right away, and deal with the refunds later. Second, it would take up to a week to process the police report and get it to them to do the credit freeze. During that week, how many times might your credit report be used without your permission since someone now has your social security number? I believe, and will always believe, that we are due a refund. I will attempt to dispute the charge with my credit card but am not optimistic.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. The breach has cost me time and money trying to repair my credit and Equifax has ignored I submitted a claim on XX/XX/24 for the breach and I will attach a copy of that as well. 
( CLAIM # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However XXXX is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.