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

I reviewed my credit report and it shows a home equity line of credit, a mortgage and auto loan. The HELOC was XXXX, the auto loan XXXX and the latest Mortgage is XXXX of XXXX. I was told that when my mother died she left a will and some property or assets to me but my living grandmother forged her will. Which once the home was sold in Florida my mother owned, things began showing up on my credit report. The mortgages and loans all occurred while I was unaware of any thing? I would like to get the information and possible rights to what property belongs to me? I have XXXX noticed my living grandmother has bought and sold multiple properties and the information. And addresses on my report all match the properties my grandmother owns lives in
Product: Mortgage

Ocwen aquired my loan from Littion loan in XXXX 2013. I paid lotion loan for XX/XX/XXXX and revive a letter that I was in default with Ocwen for not paying XX/XX/XXXX payment. After a lot of frustration I paid Ocwen for XX/XX/XXXX as well. Three months later I revived a notice that my loan was in default for nonpayment. The payments I was sending went into a holding account and late fees were applied. I reinstated the loan with the amount Ocwen said was due fees and charges etc. After reinstatement three months later I received a default letter that said my payment were being held in a holding account fore there was an unpaid balance from Littion loan. I do n't understand why when I reinstated the loan the fee was n't included. After 10 months due to a death of my wife I cashed in my XXXX to reinstate the loan once more. At this point it 's impossible to refinance to get away from Occwen because they distroyed my credit. I rienstated the loan again my first statement had a balance of XXXX when I asked why was n't the amount included in reinstatement amount they said it was a baleance left over from Littion Loan. They will not accept a payment unless it 's certified. When the loan was reinstated for the 3rd time they automatically withdrew the monthly payment from my checking account on the XXXX of the month. They say I set this auto payment up but it 's impossible i never did. Now I have no more saving to reinstate the loan and I have paid them XXXX majority of fees and late charges. I am completely helpless I do n't know how a company can get away with this kind of service. They ruined my life I ca n't even get a credit card.
Product: Vehicle loan or lease

They gave me a loan for a car thats not even worth XXXX dollars and I been having issues with the car ever since been in contact with credit acceptance for months I talked to them yesterday XX/XX/XXXX and they said I have to pay to get my car home and they also said that If they auctioned it off I would still have to pay the remaining debt left and this after I voluntary repossess my car cuz the transmission failed and they said yesterday they have no knowledge of the car having problems which it has been having for years
Product: Credit card

On XX/XX/XXXX, I made a purchase from XXXX for {$1900.00}. The packages with tracking numbers XXXX and XXXX were returned to the sender. It is now XX/XX/XXXX, and I have been denied my refund once by XXXX, and multiple times through multiple disputes through my credit card. 

I submitted the first dispute on XX/XX/XXXX, which was resolved in the merchant 's favor. I made another dispute on XX/XX/XXXX, but PayPal Credit never opened the dispute for me. I called four customer support representatives, who promised it would be opened, but it never was. I created a third dispute on XX/XX/XXXX, which was resolved in the merchant 's favor on XX/XX/XXXX, with the same exact evidence from the merchant as the first dispute in XXXX. The XXXX tracking page clearly shows the packages were returned to the sender and signed by their warehouse. Now, so much time has passed that XXXX no longer holds that tracking information. Luckily, I have everything documented from my dispute in XXXX, including screenshots of the tracking pages. 

XXXX XXXX evidence claims that even though the packages and tracking information indicate they were returned to XXXX  ( signed by them ), I am lying and still have the products. This makes no sense and seems like they are taking advantage of my friendliness. I will provide all of the documents on this complaint.
Product: Credit card

I was charged {$600.00} by XXXX on XX/XX/XXXX for a massage table. I received the incorrect item. I contacted XXXX who then sent XXXX to my home to collect the massage table and XXXX left me a receipt with a tracking number. After about XXXX weeks, I called XXXX to find out where my refund was and they stated that I would have to wait 60 days for a refund. As far as I know that is not legal, and XXXX suggested that I dispute the charge on my credit card. So thats what I did. I provided Discover with everything Needed to show proof of return and proof of wrong item being sent to me to begin with. XXXX then reply to that dispute with XXXX pieces of paper actually showing the tracking number and that they received the return, so I am unsure as to why Discover is refusing to find in my favor, but they said theres nothing else I could do. I called XXXX and they said that I only had 30 days to file an A-to-Z claim, which I was not offered back in XXXX. It has now been around XXXX months, so I am unable to get a refund from XXXX and Discover is refusing to resolve the dispute in my favor. Again I have proof of delivery, however, the tracking number is no longer valid after 120 days on ups.com but you can still call them and they can verify delivery. Plus I have screenshots showing that it was delivered back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit reduced due to a loan with XXXX XXXX. I never took out a loan, and have no knowledge of this loan. Not only did it negatively affect my credit, but I'm worried this is a matter of fraud and larger concerns may be of risk. Please reach out asap to help. Thank you.
Product: Debt collection

I moved from XXXX Massachusetts to XXXX Mass. Not knowing that I had a bill from XXXX XXXX. I put in a post office change..got a bill from credit protection..Which I thought was fake..I called  XXXX XXXX..they told me how much I owed..I set up a payment plan with them to pay XXXX per month until bill is paid in full..XXXX XXXX  was accepting my payments..then I got another card from credit protection saying to call them..on XX/XX/15, I explained to them I already have set up a payment plan with XXXX XXXX..I was told, stop paying them you have to pay us..I paid my first payment of XXXX to them and told them I will be paying XXXX through my bank XXXX and XXXX then finished..I specifically asked the guy I was talking to would this affect my credit he said NO. As long as you pay..two weeks later they put it on my credit report..this isn't right..I want this off my report NOW..the last  XXXX I sent to be paid on XXXX and XXXX..no payment owed..DO THE RIGHT THING..IF I KNOWN THIS, I COULD'VE CONTINUED TO PAY XXXX XXXX.. XXXX
Product: Credit card

I am attempting to us my chase credit card benefit in the from of flight insurance. Chase outsourced this to a company called card benefit services. They have been difficult to deal with constantly hanging up on me asking many times for the same information and being highly combative.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Inaccurate, Non-Compliant Account Entry - Violation of Consumer Rights and IRS Regulations Dear CFPB Representative, I am submitting a formal request for the immediate removal of an account entry from XXXX XXXX and XXXX XXXX on my credit report due to multiple legal and procedural violations, inaccuracies, and non-compliance with both consumer and tax law requirements. 

Background and Violations : 1. Breach of Agreement and Wrongful Repossession : In XXXX, after an agreement was reached regarding the repayment terms on my vehicle loan with XXXX XXXX, the company wrongfully repossessed the vehicle in violation of our established terms. This action breached the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and fairness in consumer credit reporting ( 15 U.S.C. 1681 ). 
2. Failure to Issue a 1099-C for Written-Off Debt : Following the repossession, XXXX XXXX claimed to have written off a remaining balance on the account as a loss. However, despite this claimed write-off, they failed to provide a Form 1099-C ( Cancellation of Debt ), which would have accurately reported the written-off amount as required by IRS regulations. This omission not only violates IRS guidelines but also subjects the credit report to inaccuracies under the FCRA, which mandates that reported information be verifiable, accurate, and up-to-date ( 15 U.S.C. 1681c ). 
XXXX. Misrepresentation and Privacy Violation in Account Transfer to XXXX XXXX : XXXX XXXX then transferred the account to XXXX XXXX without my authorization and with inaccurate information, which includes an incorrect account balance. Such transfers, conducted without explicit consumer permission, constitute an unfair invasion of my privacy under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which requires that debt collectors respect consumer privacy and handle debts accurately and transparently. 
4. Age of Debt and Reporting Violations : Given that the original account dates back to XXXX, and the repossession occurred in XXXX, the account is approaching the 7-year mark for reporting under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), beyond which it should no longer impact my credit profile. 

Request : Due to the significant inaccuracies, legal non-compliance, and procedural breaches related to this account, I request that the CFPB direct both XXXX XXXX and XXXX XXXX to remove all negative entries related to this account from my credit report. This removal request is based on : Violation of FCRA provisions for accuracy, timeliness, and verifiability. 
Failure to comply with IRS regulations in the issuance of a 1099-C. 
FDCPA privacy violations resulting from unauthorized account transfer. 

Please take immediate action to rectify these issues, remove this account from my credit report, and uphold the integrity of consumer rights and fair reporting practices.
Product: Prepaid card

Got a Visa Gift Card for {$50.00}. Went at activate it on the XXXX to activate it as per instruction on the sticker. It accepts the Card number but says the security code is wrong. The phone contact ( recording ) asks the same question and rejects it. The complaint process says contact thru phone. The Company is US Bank National Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance startingXX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthru XX/XX/XXXX. XXXX XXXX  can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove the following accounts that do not belong to me. I did not open these accounts they were opened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX is not my account and was opened without my knowledge or consent. 
XXXX XXXX, reporting late payments and the account is not mine it was opened without my consent. XXXX XXXX XXXX XXXX is not my account and i didn't open the card. XXXX XXXX XXXX is not my loan My identity has been stolen also showing late payments up to 120 days. They have 15 inquires that i have been disputing since i saw them on my report and they refuse to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just examples but i have told them multiple time my identity was stolen. The also have a name on my report saying also known as XXXX XXXX. I am a girl this is ridiculous. They are reporting late payments as well which is illegal for multiple accounts. I have attempted to get them to update the information they are reporting but its to no avail. Please help my Identity was stolen and this bureau has not attempted to help me at all. 
XXXX XXXX CREDIT BUREAU IS REPORTING SOME OF THE SAME FRAUDLANT ACCOUNTS THAT I DID NOT OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they even have a collection for a XXXX XXXX XXXX XXXX XXXX  They are also reporting 13 inquires that are not mine. ALL 13 inquires are not mine. 
XXXX CREDIT BUREAU Is report even old addresses, XXXX XXXX XXXX XXXX XXXX XXXX is not my address and never has been XXXX XXXX XXXX XXXX, They also have late payments from student loans which is illegal, XXXX XXXXXXXX XXXX XXXX WHICH IS NOT MINEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND they have 12 inquires in my report that are not mine as well. They have collections as well. 
Please have all the Credit bureaus to delete these accounts that were opened fraudulently and the address/names and inquires that are not mine as well. I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( MO ) 281 sw 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
This false information needs to be removed immediately or they will each pay per day they have the false information on my credit reprot. I will also be suing for defamation of character. XXXX XXXX, XXXX and Exerioan Have now been given notice to remove the information on XX/XX/2023. The information must me removed before 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my Dispute off on XXXX XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX. # XXXX ..XXXX  # XXXX XXXX  # XXXX XXXX # XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is HRRG # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HRRG failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HRRGis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to screw over the consumer?
Product: Credit reporting or other personal consumer reports

I have repeatedly requested Equifax to remove inaccurate and unauthorized personal information from my credit report, but they have failed to comply. The following issues remain unresolved : An address that does not belong to me ( XXXX XXXX XXXX, XXXX, GA XXXX ) continues to appear on my credit report despite multiple disputes. This address is inaccurate, and I can not receive mail there. 

Equifax is displaying parts of my Social Security number and date of birth on my credit report. This compromises my privacy and increases my risk of identity theft, especially as I have already been a victim of fraud and data breaches. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to investigate disputes and correct inaccuracies within 30 days. Despite my repeated attempts, these errors have not been corrected. 

This failure to address my concerns and protect my sensitive information violates the FCRA and demonstrates negligence in handling consumer disputes. I am requesting the CFPB to intervene and ensure that : The address XXXX XXXX XXXX, XXXX, GA XXXX is permanently removed from my credit report. 
Any references to my Social Security number or date of birth are removed from my credit report. 
I have attached supporting documents, including proof of my current address and prior dispute letters to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX , and Experian disputing this Account with XXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that I have been trying to get corrected for quite some time. 7 months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and Transunion reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by Transunion. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Product: Checking or savings account

Upon intiating a refund in the amount of {$33.00} to a coinbase debit card square lied and says the money would be taken from my square balance that they have been withholding for up to 90 days or more, square unauthorized takes {$33.00} XXXX from my bank account although they say it would be taken from your square balance and that is why they withhold funds for 90 days after account closure, after taking my funds from my bank account I still have not seen this return of {$33.00} it is still pending on square after days when before square took money from my bank account the refund would process in 2 days now they have took my money and the refund may never be processed.