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

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried contacting Experian today ( XX/XX/year> ) to fix my email as it is incorrect, which is preventing me to receive password reset or link to receive username. I called Experian several times to get a live agent, but the bot refuses to transfer me to an agent as it can only do it in " limited circumstances ''. On top of this, Experian has halted my disputes I did through XXXX. Which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is not assisting me with several disputes I have emailed and sent via mail. regarding a removal of the late payments on dates of XX/XX/XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have a statement from XXXX and I have been disputing this since then because I had insurance. I decided to pay the full because I need a place to live after a house fire. This company put 46 hard inquirys on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$10000.00}.
Product: Checking or savings account

I was in XXXX XXXX and had lost my card. I had been under the impression is still had it so I didn't know until the next day. I had then reported it and had saw a charge for {$270.00} from a restaurant I had never been to. I tried to report the charge but it was denied within two days almost automatically. I need those funds to pay rent this month. I contacted cashapp and they said they would escalate it. I have thousands of dollars deposited with them each month, and this makes me unsure about them now.
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX TransUnion : XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

My student loans were transferred from XXXX to XXXX in XX/XX/year>, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, Experian is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with Experian. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.
Product: Money transfer, virtual currency, or money service

I HAVE UNAUTHORISED USE OF MY ACCOUNT WITH PAYPAL THEIR DEFENCE IS THAT IT WAS ME THEY WONT PROVIDE ANY PROOF MORE THAN THAT THEY RETAIN FUNDS 180 DAYS MORE THAN THAT I WAS KICKED OUT FROM THEIR SERVICE AFTER BIENG SCAMED
Product: Credit card

The issue is that the company offers a 30 % discount on any purchase made within the first XXXX days of opening an account. The salesperson informed me that the discount wouldnt appear on my purchase receipt but would instead be applied to my credit card statement. That was the only information givenjust use the card for XXXX days and receive 30 % off. 

When I received my XXXX XXXX statement, I noticed that the discount had only been applied to XXXX out of XXXX purchases. When I called to complain, the company told me that the XXXX  % discount was capped at a total of $ XXXX that was never mentioned to me in the store. In fact, my first XXXX purchases had already reached this limit, yet the salesperson failed to inform me. Instead, they used a calculator to show me how much I had " saved '' by opening the account and encouraged me to keep shopping. 

The tricky part is that the 30 % discount never appeared on the receipts, so there was no way for me to notice the limit had been reached. I explained all of this to the stores customer service, but they simply apologized for the misunderstanding. Unfortunately, since Ive already used the items, I cant return them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/2010 Balance : {$1300.00}, and XXXX XXXXXXXX Date opened : XX/XX/2010 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

My daughter was the victim of fraud in her checking account. The account was a teen account for which I had to sign when she was under the age of XXXX. She is now XXXX and the account was never updated so my name still on it too. 

Due to the issues she had with her account Wells Fargo cancelled my credit card I had for 15 years. My history is clean and I make my payments on time. I think this is an arbitrary decision on their part and they took it without even trying to contact me first.
Product: Mortgage

Company addressed the issue? By doing what? smoke screening with bunch of pages of my payment history? And lies that MY COUNTY RECORDED RELEASE OF MORTGAGE on XX/XX/XXXX I asked for 2 things 1 ) Where is my escrow money 2 ) where is my release of mortgage paperwork.

XXXX dollar gift card? Company violated Kentucky Statue - 382.365 Release of lien, with notice to property owner, within thirty days of satisfaction -- Assignments of liens -- Proceeding against lienholder in District Court or Circuit Court -- Liability of lienholder when lien not released or notice not sent -- Notice to state or lienholder -- Damages.

( 1 ) A holder of a lien on real property, including a lien provided for in KRS 376.010, shall release the lien in the county clerk 's office where the lien is recorded within thirty ( 30 ) days from the date of satisfaction Release of mortgage paperwork was received on XX/XX/XXXX ( postmarked XX/XX/XXXX) it took them 55 ( days ) to release the mortgage with multiple complaints. And me spending time and my money to remind them by sending priority mail. They have received Demand letter on XX/XX/XXXX( tracking number XXXX ) and had 15 days to provide me with mortgage release paperwork. Their timeline expired onXX/XX/XXXX. By Kentucky Statue I'm entitled for XXXX dollars per day after 15 days of waiting period. Its not my fault that XXXX XXXX taking her time to answer complaints and taking almost two weeks to mail overnight check ( we had a conversation onXX/XX/XXXXat XXXX XXXX  CST and she told me that my check will be mailed overnight and she will check on me the next day ) I haven't heard from her since then. Check was delivered this week. almost 2 weeks later. XXXX XXXX lied to me in the letter she send in response to my first complaint saying that Release of Mortgage was RECORDED BY COUNTY CLERK on XX/XX/XXXX. She change her tone after I told her during out conversation that i personally went to County Clerks office onXX/XX/XXXXand there were only two records on my name - Deed and Mortgage record, no mortgage release. it took them 55 days for paperwork that required by law to be done in 30 with the receipt to the homeowner.

What Pennymac does to customers who are late with payments? Charge them late fees.

Who is responsibility to pay on time Customer or Postal service or third parties?

You are not exempt from the law you have to follow the law including the state law you are doing business with. State of Kentucky Regulations specifically outlined that you HAVE 30 DAYS from the day Person paid of his mortgage to provide the customer with the mortgage release paperwork. There is no excuse, you have been reminded multiple times via your customer service and complaints.

You own me by LAW XXXX   dollars for 7 days ( including the day you received the letter ) plus the cost of the letter XXXX dollars I would like to get XXXX dollars of damage you are responsible for according to Kentucky Statue - 382.365.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these was unfeasible. The CFPBs findings indicated that Zelle had not only neglected to protect consumers but has allowed it repeatedly to exploit the system leaving users available to scam. This lack of accountability and transparency is unacceptable and not fair it raises serious concerns about consumer safety throughout the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Filed and Police Report Filed but account remains unblocked. 
Resubmitting Police Report and new FTC Identity Theft Report.
Product: Debt collection

Received a collection letter on XX/XX/XXXX from XXXX XXXX XXXX which is owned by Reel Time Capital, LLC ( a company created for a foreign entity in XXXX in XXXX, FL ). See recent CFPB complaints XXXX and XXXX for information on the XXXX XXXX XXXX XXXX. 

Today, we received a call from the company. Following are details of that call that we also provided to the Nebrasaka Attorney General 's Office : - The call came from the company that XXXX XXXX XXXX turned over the collections to at about XXXX XXXX CT. 
- The call came from number XXXX and the person introduced themselves as Mrs. XXXX. 
- Mrs. XXXX said that she was calling us about our outstanding XXXX loan. When my wife said that we never opened a loan, Mrs. XXXX asked if we had a case number from a police report. She also said that they have more information for us, but we have to validate ourselves to them. 
- My wife said that we would not be providing any more information since we did not open any loan with anyone. Mrs. XXXX then said that they would continue to contact us and that the loan will not go away. As my wife started to ask another question, Mrs. XXXX abruptly hung up on her, - The number left by Mrs. XXXX to call her back was XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms. '' I would like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or their update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the referenced items that need to be updated to reflect positive and/or removed from my credit report : 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 XXXXXX/XX/XXXX According to 15 U.S. Code 1692j , it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.

Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated.

This is my fifth request ; I will also be sending a copy of this letter to the Federal Trade Commission ( FTC ) notifying them that I have signed receipts for letters sent to you, and you have not complied with my request. I regret that I am being forced to take such action. As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance.

Furthermore, I remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts. You may also be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below have violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 Section 602 A It also States a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C.1681 .c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of criminal conviction which antedates the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from XXXX, XXXX, and TransUnion, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX. XXXX XXXX Bank XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ), 120 days ( XX/XX/year> ), and 150 days ( XX/XX/year> ). 
o XXXX records show consistent and timely payments during the reported period. 
XXXX. XXXX XXXX Bank XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> and XX/XX/year> ), and 90 days ( XX/XX/year> ). 
o XXXX history does not support these claims. 
XXXX. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are incorrect. 
XXXX. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required under the FCRA.
Product: Mortgage

In the ending months of XXXX I was having problems paying my mortgage. the bank who holds the loan is XXXX XXXX. Since i was late in payments i received a letter from XXXX XXXX stating that they were going to foreclose on the property. At the beginning of XXXX I enquired about a loan modification which they said they could do. Since we were on the verge of foreclosure I assumed that whatever they offered we had to accept. At the time of applying for the loan modification my mother ( XXXX XXXX ) had title to the house.This house is a mother/daughter type, I live on 2nd floor, mom lives on 1st. On the loan application my income was considered in calculating the monthly payments. My mother passed away 5 yrs ago ( age XXXX ) and now i am executor. By the end of XXXX the loan was finalized and on XX/XX/XXXX or around that time we went to the bank to sign the loan documents. The loan officer informed us of the amount of monthly payments and that the loan would have a 40 yr term for XXXX, which i thought was unusually long term for that amount. like i said previously, i assumed we had to take whatever they offered or they would foreclose. In my loan statements the monthly payment to the principle is less than {$100.00}. I think it is outrageous that they made us accept a 40 yr term. I'm planning on moving in a few months so refinancing is not an option, what i would like is to get credit to my loan for a good part of the interest ive been paying. attached are some documents. Contact me if you need any other info.
Product: Vehicle loan or lease

SENSIBLE AUTO LENDING The Creditor Closed The Account and Is falsely Claiming That {$1.00} Is Uncollectible. Creditor Will Not Accept My Payment. This Is A Small Amount, And When I Pursue it. No Information Is Given To Me, Someone That Is Dealing With The Account Just Hangs Up On Me.