23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got an email dated XX/XX/23 that didn't provide the required disclosures per 15 USC 1692g ( a ) and then when demanding verification I didn't get the 1692g ( b ) disclosures. The email purported the alleged debt buyer/collector to be the creditor and didn't comply with the FDCPA, in general. Because the account in question was allegedly subject to bankruptcy doesn't mean that the account was not in default when it was charged off and purportedly transferred makes Absolute Resolution Investments, LLC a debt collector subject to the FDCPA. The credit reporting does not reflect the dispute status and is thereby a violation of 15 USC 1692e ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC Identity Theft Report with the Federal Trade Commission and sent all three credit bureaus the Following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Of the three credit bureau, TransUnion is the only one that did not follow section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I contacted them several times and tried to explain to them that they are in direct violation of the FCRA federal law and that they are now negligent in their reporting responsibilities because they have all the documents required by law to remove these fraudulent accounts from my credit report. I sent TransUnion the document via certified express mail which they received and signed for on XX/XX/2021. As of today XX/XX/2021, I still have the fraudulent accounts on my credit report. I have asked them repeatedly if they are familiar with FCRA laws and they have admitted that they are not familiar with " American '' FCRA law. This negligence and disregard of the FCRA 605B is a direct violation of my rights and I am demanding this to be corrected.
Product: Vehicle loan or lease

After filing a complaint with you, they closed my account and I have no way to make payments
Product: Mortgage

In addition to complaint ID XXXX - XXXX, of which you closed without even verifying anything with me first. 

This company has now sent me XXXX statements for XXXX mortgage payment. One owed to them on XX/XX/year> in the amount of {$2600.00}, and now since submitting a complaint to your organization, I have a second mortgage statement showing the last day to pay Flagstar is XX/XX/year>, as my loan has been transferred to another company named as XXXX XXXX ALSO effective XX/XX/year>. This now makes XXXX different mortgage companies in 15 months, and as you already know from my previous complaint also XXXX different mortgage payments. I have NEVER seen so much activity on XXXX loan IN MY LIFE! Especially a 30 year fixed conventional. This much activity on XXXX loan is outrageous but more importantly selling me off for submitting a complaint is absurd. 

SO YOU TELL ME WHATS GOING ON HERE AS I HAVE TWO SETS OF INSTRUCTIONS FROM FLAGSTAR FOR XXXX MORTGAGE PAYMENT WHICH WAS ALREADY IN DISPUTE. 

AND DONT CLOSE THIS CLAIM WITHOUT VERIFYING WITH ME FIRST! I INITIATED ASSISTANCE, NOT THEM!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 80 inquiries on my credit report that I did not authorize I have contacted transunion and I also contact the creditors and the inquiries are are still remaining .... Im referring to all the mortgage inquiries ... I was not in the market for a mortgage loan at the time ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.
Product: Mortgage

I was working with XXXX XXXX from Interactive Mortgage, XXXX : XXXX. They locked my rate and approved the mortgage. But they could not find a secondary buyer for my mortgage and after two months, they still did not close and would not provide the closing date. I have no confidence they will close the loan but my credit now shows two inquiries, making me hard to shop for a good interest rate with another lender now. In the meantime the interest rates have also increased.
Product: Debt collection

Dear Synchrony Bank Rep, I hope this message finds you well. I am writing to request a goodwill adjustment regarding the account listed below. 

Account Information : Account Number Ending In : XXXX Account Holder : XXXX XXXX Due to unforeseen financial hardship, I struggled to meet my obligations on this account. After losing my job, I searched for employment for over XXXX months, but unfortunately, the income I earned during that time was only enough to cover essential expenses such as rent, car payments, and food. Despite my best efforts, I was unable to pay my credit card balance in full. 

Recently, I paid the agreed-upon settlement amount, which resolved the debt, though not for the full balance. I understand that the remaining balance consisted primarily of late fees. While this account accurately reflects the settlement, I am asking for a goodwill adjustment to remove the negative reporting from my credit file. 

Prior to my financial difficulties, I consistently made on-time payments and maintained good standing with your institution. I take full responsibility for my challenges during that period and have since worked diligently to regain control of my financial health. Removing this negative entry would be a tremendous help as I continue to rebuild. 

Synchrony Bank has been a valued partner in my financial journey, and I hope this goodwill request can be considered as a demonstration of your understanding and support. Thank you for taking the time to review my request. 

I would appreciate any consideration you can provide and am happy to discuss this further if needed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have attached a credit report with the items.CAPITAL ONE BANK USA NA # XXXX and CAPITAL CAPITAL ONE BANK USA NA # XXXX These items has been paid off from collections and have yet been removed from my credit report after agreed that it would be removed after the collections was paid off. When I last spoke to Capital One XXXX of XXXX to be removed after the debt was settled. Capital One failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.
Product: Credit reporting or other personal consumer reports

Hello, So I took out a line of Credit with XXXX XXXX and was making payments until the pandemic. Unfortunately, I couldn't make payments and gauss told me the account was transferred to XXXX XXXX. I went on a 24 month payment plan with XXXX paying {$170.00} a month for 24 months and they said they'd be reporting to guass to update my credit and assured me it wouldn't be reported to my credit. Turns out XXXX had no idea I was paying apparently and reported it to my credit. This account is not valid and needs to be removed off my credit and has since been paid in full. XXXX is a very sketchy company and has no phone number only email and they don't respond to email. These are bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) XX/XX/2019, XX/XX/2019, XX/XX/2019 ( 2 ) {$460.00} ( 3 ) Action : I submitted a return shipping charge from a chair that I order online, but when the chair arrived it was defected and poorly constructed and I had to return the chair and pay shipping charges costing {$460.00}. I submitted all the documentation that I had on the return including an email from the seller stating that the shipping charges would be taken out of the original cost of the chair ( {$1600.00} ) on XX/XX/2019. 
But on XX/XX/2019 I had not received the refund from the selling company. I did not receive the refund from the company until XX/XX/2019, but by then PayPal stated that I had been denied the shipping return cost because it took longer than 14 days to get the documentation submitted to them, but I first submitted the documentation on XXXX XXXX and on XXXX XXXX I called PayPal and spoke to a representative and was told that I should wait on a letter from PayPal with instructions on how and what to send back and the shipping cost would be granted. But after many emails back and forth with PayPal denying the credit for the return shipping charges I just got tired. ( PayPal ) policy says customers are protected on returns charges, can you help? 
I am a XXXX senior and I bought the chair online because of their return policy and they burned me and I need help, please help because that is a lot of money for me to lose. 
I also offered to send pictures of the poorly constructed chair and a letter from the pickup service that signed an acknowledgement letter of the condition of the chair when they pick it up the wheels would not even move on the office chair. But the person that I spoke to representing PayPal told me to send the pictures back with the instructions from the letter from PayPal. I never received a letter from Pay Pal!
Product: Checking or savings account

XXXX XXXX XXXX Report # XXXX ; XXXX XXXX ; Phone : ( XXXX ) XXXX XXXX Hello this is XXXX and XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

On XX/XX/24 at XXXX am my wife shows me an email of a XXXX transaction she was not aware of. Therefore, she calls the number of the phone and contacts what she believes is a XXXX representative. She then hands the phone over to me. Shortly after I was informed that a chase bank rep will be calling me. I received a call from ( XXXX ) XXXX XXXX stating they are a Chase Bank representative. I was informed shortly after of a pending withdrawal from my account in the amount of {$14000.00} for BIT coin purchase. Not familiar with BIT coin regardless I was informed that the withdrawal is pending. Last I was informed by the claimed chase bank representative that the bank can recover some of the funds by capturing it on form of a gift card by either XXXX gift cards or XXXX gift cards only. Loss of {$4600.00} from my checking account on XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Only ran my credit 6 times, after I asked them if they were only going to run it once. They lied and ran it 6 times which has brought my credit score down by XXXX points. They also ran it with several different companies. I tried to dispute the the credit companies has no way to dispute inquiry. so I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore I request that you investigate these accounts listed below. 

XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$340.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$14.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX Inquired on XX/XX/2023
Product: Bank account or service

I sell XXXX online for payment with paypal. I 'm registered with XXXX and follow strict customer Id and XXXX procedures. I had a customer buying large amounts of XXXX from XX/XX/XXXX through XX/XX/XXXX. We collected multiple selfie with id pictures. Also the customer was shipped secure tokens XXXX to her address and had to read back the numbers to prove she was who she said she was. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, they determined there was near XXXX probability that her identity had been stolen. So after a week though, paypal now claims that her bank did ach reversals on all {$16000.00} that she spent. They want me to pay this. I want the name of someone at the bank to speak to about this and proof, but paypal wo n't provide it. I do n't think I should have to pay paypal back if they wo n't allow me to refute the alleged evidence that they have. I do n't even see any evidence that anything was charged back. Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I am out nearly 100 % of the cost unlike music, videos, or software that are only copies. Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more. And I feel that I should at least be able to see the reversal documents from the bank as proof. If they want to redact some private information that is ok. It is a shame how banks and paypal allow people to commit obvious fraud and theft and do nothing about it, and try to pass along all the costs to the seller.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dismay concerning the unresolved dispute related to the XXXX accounts reported on my credit profile ( detailed in CFPB complaint # XXXX ), despite filing a comprehensive complaint with the Consumer Financial Protection Bureau ( CFPB ). It is crucial to highlight that this unaddressed issue continues to impose severe financial ramifications upon me, obstructing my capability to secure essential financing. 

Regrettably, the response from Transunion, following my initial complaint, has neither provided a resolution nor addressed the core issues articulated therein. The XXXX accounts, which have been identified as fraudulent and contested with a wealth of supporting documentation, persist unaltered on my credit report. This stands in stark contrast to the constructive and timely actions of XXXX and XXXX, both of which have promptly addressed and rectified the analogous issues on their respective reports. 

The persistent non-resolution by Transunion suggests an inclination to validate the information solely based on the lenders word, seemingly without a thorough evaluation of the intricate contextual information and supportive documentation that has been provided. This method does not seem to adhere to the imperative for a meticulous and impartial investigation, particularly given that the information contradicts resolutions from the other XXXX major credit bureaus. 

In light of the aforementioned, I urgently request the following actions be taken : A re-evaluation of the disputed items on my credit report, incorporating a detailed review of all provided documents and considerations of resolutions by XXXX and XXXX. 
Removal of the now fraudulent XXXX accounts from my credit report.

Clear communication regarding the steps taken during the investigation and the rationale behind any findings. 
Should this matter continue to remain unresolved and my credit report uncorrected, it will be escalated accordingly to explore further avenues for resolution, which may include legal steps. Ensuring accurate and fair reporting is imperative for safeguarding consumer rights and financial well-being, and I sincerely hope that Transunion can promptly address and resolve this matter. 

I appreciate your immediate attention to this serious issue and anticipate a constructive and expedient resolution.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting

There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX
Product: Debt collection

I need your help in a serious matter regarding my credit report. After viewing my credit, I noticed that your agency is reporting inaccurate formation that is damaging my credit file. lease review the following factual data : You are reporting " This account is reported as 'In Collections, ' but this account does not belong to me ; I have never opened an account with this creditor '' Delete this account due to accurate reporting. fter completing my request, send me a copy of my updated credit file flecting this update.
Product: Credit card or prepaid card

I purchased a One vanilla prepaid card on XX/XX/2021. I was going to use it to pay online bills, but when I tried it wouldn't let me. I called the customer service and they told me that they are removing the online option. But they haven't done so yet. Since I couldn't use it online for the bills i needed, I asked for a refund. Today is XX/XX/2021 and I still have not received the check in the mail. I have called them numerous times and each time they tell me a different day it should be here. It is XXXX that I can not use. They won't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company ONEMAIN FI account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Debt collection

The company name is Asset Recovery ; I have sent them bankruptcy papers with the discharge. In fact when I filed I sent them papers and when it was discharged Ive sent them the discharge papers. They have stopped calling me however they have NOT updated XXXX to reflect the Discharged in Bankruptcy Status. Balance XXXX! I have tried to call them repeatedly and not only have they failed to show the first collection was discharged but they added a second.