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

I received a notification by TranUnion that XXXX accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from TranUnion. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

XXXX ) XXXX {$340.00} XXXX ) XXXX {$260.00} XXXX ) XXXX {$100.00} XXXX ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Credit card or prepaid card

I made a purchase from XXXX in XX/XX/2020 and did not receive it as promised within 2 days. I disputed the charge with my XXXX XXXX XXXX card and was issued a temporary credit The item finally arrived in late XXXX so I returned it in XXXX. I have proof of the return. XXXX XXXX XXXX Credit card reversed the temporary credit on my account and XXXX states that they issued a refund. According to XXXX XXXX XXXX they never received the refund from XXXX so the purchase is still showing up in my balance and I am having to make payments on it. It is the only charge I have on this credit card so essentially I am paying for something I returned.
Product: Mortgage

I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded.
Product: Credit reporting

I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
Product: Mortgage

I made an on-line mortgage payment to XXXX XXXX XXXXXXXX and they did not send confirmation that I made the payment and refuse to send me confirmation about the payment I made, although they agree I made the payment. I want written proof I made the payment and they refuse to give me that proof
Product: Checking or savings account

I went to the bank to make a withdraw and I was told that I could not withdraw that much I could only do XXXX of what I was asking for. and then that figure dropped to XXXX when I asked about a cashiers check or a wire transfer I was told no. I called the customer service number and they told me that it was probability because when I went to the bank it was not available but it is now she said I should not have any issues. I went back into the bank and the teller allowed me to XXXX of my money and then told be to try other near by branch which I did and had no issues making with the withdraw or making a withdraw at the ATM so I had to walk in the cold and pay additional fees for parking Just to access my own money. the last ATM I went to was in the same branch that turned me away and I spoke with the branch manager and she was very stand offish and she was yelling at me from the teller line and when I asked if we could talk in her office she said there nothing to talk about and then she walked away I explain to her she was not listing to me and I asked her to look at her body language. Her purpose was to tell me no at all cost and not help me find a solution. The branch was complete empty and she could not make the time. Then when I asked her to close my account she told me no because it was pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called quicken loans to ask questions about their home loan requirements and interest rates. When I called I had my credit report information already pulled from my credit karma account. I specifically told the man I spoke with that I already had my credit score and did not want a hard inquiry on my credit. I told him I just wanted to know what credit score you had to have for them to give a loan. He told me that he would have to pull my credit. I told him I knew my credit score and did not want him to put a hard inquiry on my credit report. Today, XX/XX/XXXX, I pulled my XXXX XXXX account up and seen that my credit score dropped almost 20 points. The reason was a hard inquiry from quicken loans. This is really going to XXXX me. My score was already low because I have n't had or used any credit in several years and the house I rent is being sold. I need to be able to find a home I can afford and get financed for in a very short period of time ( two months ) and this XXXX just made my credit too low to get financing. By the time this gets corrected, if it even does, It 's going to be too late. So now I 'll have to start looking for somewhere to rent, which is not fair. I only make {$20000.00} a year so it 's going to be hard enough to get a loan without other people making it harder. The phone # I called is ( XXXX ) XXXX, I got it off of their website.
Product: Credit card or prepaid card

I'm not an expert on this and sorry for my english or the way i write. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 -30/60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Bank account or service

I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. 
I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you
Product: Debt collection

PERSOLVE LEGAL GROUP Account # XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. XXXX companies ran my credit without my authorization. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Product: Credit reporting or other personal consumer reports

I called Upgrade Collection debt on XX/XX/XXXX to get my hardship monthly payment amount. It was XXXX but I Paid XXXX. Never once was I advised my hardship plan was over as this miscommunication has caused me to get a 30 day late on my credit report! Please remove the 30 day late from all 3 credit bureau. I am in the process of buying a house. I called Upgrade on XX/XX/XXXX once I got the credit bureau alert thats how I found out about the 30 day late .I immediately paid the past due amount XXXX on XX/XX/XXXX. Thanks
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX
Product: Student loan

I am eligible for buyback to pay XXXX final months of my loans and get XXXX XXXX XXXX XXXX. I was in forbearance in XX/XX/XXXX and XX/XX/XXXX, as well as XXXX XXXX. I have requested buyback for XXXX months XXXX  times and have heard absolutely nothing. I want to pay my XXXX months.
Product: Credit reporting or other personal consumer reports

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX account # : XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX  Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Debt collection

This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.
Product: Credit reporting

Disputed Bill as paid. Equifax refuses to remove bill and shows the account as being OPEN. The account was closed and removed by billing agency do to age. 
EQUIFAX : Account # XXXX OPEN Balance {$240.00} XXXX Original Creditor Qwest {$240.00} High Balance XXXX XXXX, 2013 Opened Date XXXX XXXX, 2013 Last Reported Individual Account. 
Responsibility Collection account
Product: Debt collection

This company has already admitted multiple times that they never provided prior notification of a debt. Regulation F requires ( XXXX. ) No such notification was ever received.. regulation of debt collector notification required. Without that notice, they have a violated the FDCPA and placing anything on my credit. They dont get to just treat it like a dispute. Especially since they have already admitted to NEVER sending out the validation notice. 
A debt collector, who fails to comply with any provision of the FDCPA or regulation, F is liable for any actual damages, the stand as a result of that failure. ( 8 15 USC 7001 ( c ) This companies failure to do so, has already damaged my credit. Not only that it made it impossible for me to get the XXXX. I needed to save my dogs life. Even my sis is removed. I will not recoup the points that they have stolen from me.. I have contacted an attorney and will be suing not only them but theyre client. Im filing complaints with the federal trade commission and my attorney general. This illegal collection agency now owes me {$5000.00}. Keep admitting guys that you never provided the initial notice.
Product: Money transfer, virtual currency, or money service

Subject : Dispute Regarding Purchase of XXXX XXXXr - Seeking Reimbursement for Shipping Cost Dear cfpb Customer Support, I am writing to address a significant issue regarding a recent purchase I made on XXXX. On XX/XX/2023, I ordered a XXXX XXXX, which was advertised as XXXX XXXX. However, upon receiving the item on XX/XX/2023, I discovered that it was made of aluminum, in clear contradiction to the product description. 

I promptly contacted the seller to resolve the issue, but they refused to acknowledge the discrepancy. Subsequently, I sought assistance from PayPal, who assured me that I could return the item and receive reimbursement for the prepaid shipping cost. 

Following PayPal 's instructions, I returned the item with the provided tracking number, expecting a refund of both the purchase amount and the shipping cost. However, to my dismay, PayPal ultimately favored the seller and closed the case, claiming my tracking number was invalid. 

This ordeal has resulted in significant financial loss, as I have not only lost the item but also incurred expenses for the prepaid return shipping cost amounting to {$120.00}. 

Despite my efforts to seek resolution through PayPal and my credit card company, I have been unable to recover these costs. Therefore, I am now reaching out to request your assistance in facilitating the reimbursement of the shipping cost. 

I trust that you will handle this matter with urgency and ensure a fair and just resolution. Attached are the relevant documents to support my claim. 

Thank you for your attention to this matter. 

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

Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It May Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account Number XXXX AND XXXX which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action. 

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation. 

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

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

On XX/XX/XXXX we filed a Chapter XXXX Bankruptcy to get rid of outstanding debt in attempts to save our home. Our case was discharged on XX/XX/XXXX. Our home was mortgaged with XXXX XXXX XXXX XXXX XXXX  at the time. Ive attached some supporting documents and you should find on page 3 of them a page from our bankruptcy case confirming that we filed to retain the residence and reaffirm the debt with XXXX XXXX XXXX XXXX XXXX, continuing our payments to them through this whole process. Our bankruptcy lawyer recommend that after the case was discharged that we should attempt to get a mortgage modification. 

After the discharge on XX/XX/XXXX we took a moment and then contacted XXXX and started the process to secure a modified loan with XXXX XXXX XXXX XXXX which took effect XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sold our loan to XXXX. 

We didnt think to check our credit, being told that bankruptcy would take its obvious toll on it. Imagine our surprise when we decided to finally try to build it back up in XXXX and lease a car only to find out it was worse than we thought with one of the reasons being because our mortgage wasnt being reported. When we called XXXX they stated that it is XXXX  XXXX XXXX XXXX fault and threw our bankruptcy back in our face. XXXX  XXXX XXXX wouldn't even talk to us because they no longer held the loan. The one thing they both said was that some paperwork wasnt filed correctly and tried to lay blame on the lawyer. I tried to call our lawyer, only to find out that hes moved out of state and is no longer practicing. I only have our filing documents which clearly show that retain property and reaffirm the debt are marked off. I have no idea if a certain document was supposed to be filed along with it. Just to be  clear I asked XXXX who they have been receiving payments from for our address and they confirmed that it was us and I followed with the obvious question, then why arent you giving us credit for said payments and they claimed they can't because of the bankruptcy. Their remedy was to refinance. Sure, what kind of rate are you going to give us when we cant improve our credit score because you wont give us credit for our payments?! 

Eventually XXXX became XXXX XXXX and the real estate market has improved and we are no longer upside down in the mortgage and XXXX XXXX continually pesters us to refinance. We thought now is the time and tried to take them up on it only to find out they are still holding the bankruptcy over our head while encouraging refinance ( see attached document from XXXX XXXX ) and we are 8+ years post bankruptcy. To this date we have not been given credit for our post bankruptcy mortgage payments. Thats 8+ years of payments XXXX  XXXX XXXX and XXXX/XXXX XXXXXXXX have failed to report. This house really exist! Weve lived in it, raised a family in it and maintained it for 22+ years. We pay property taxes for it! The mortgage companies accept our money for it! Give us credit for it..fair and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX