23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around or about XX/XX/2016 I had a credit card with Navy Federal Credit Union that was maxed out and I could no longer afford to pay the debt. I closed the account and I have since supported myself from both VA benefits and financial aid. Additionally, I have an account with this same institution that both me and my ex husband share to allow for the transfer of money to one another for the purposes of child care. That account has been the primary account that my benefits have been put into and only had {$210.00} prior to this incident. Recently on the XXXX of XXXX I received a payment from both the VA and XXXX that went to my University and my University forwarded the remaining balance to my account. The amount that the VA sent was {$5000.00} for XXXX VA benefits and the amount that XXXX sent was {$5100.00}. After the University deducted the cost of school they forwarded the remaining balance of {$5000.00} to the account on file. The next day on XXXX XXXX there was an adjustment to the account for {$3100.00} leaving only {$930.00} due to two previous transactions pending for {$1100.00}. Upon calling my financial institution I was informed that it was for the closed credit account and there was nothing they could do. The next day on the XXXX of XXXX I called again to inform them the money was both from VA benefits and government assistance and explained those funds should be exempt. I had even faxed proof of the funds origination. Neither of these calls were easy. I had to explain both my financial and personal situations to the Counselor multiple times and I was told that the funds in that account were not being used for school anyways. I explained that I dont possess a card for that account and my ex-husband uses it. They accused me of not speaking to them and I told her I had just talked to a rep who called me and it should be on file and she said that didnt matter. They proceeded to tell me after I sent proof that they would give me half back if I could commit to a payment plan and I again explained that even if I did that I couldnt pay consistently. The person I spoke to was rude, condescending and disrespectful and I dont believe she handled the situation within the bounds of the FDCPA. Furthermore I believe that the money they garnished, set off, or adjusted was exempt from them being able to do so. Now I am reaching out to CFPB to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possibleXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear credit bureau I am writing to formally dispute the reporting of an account on my credit report from XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX that has been sold to XXXX XXXX XXXX. The account number associated with this debt is XXXX. 

Upon reviewing my credit report, I noticed that Original Creditor is still reporting this account, despite the fact that it has been transferred to Debt Collector Under the Fair Credit Reporting Act ( FCRA ), once a debt is sold, the original creditor should no longer report the account as active. 

I have attached copies of documentation that support my claim, including [ provide details of any supporting documents, such as the debt validation notice from the collector, a letter confirming the debt was sold I kindly request that you investigate this matter and update my credit report to reflect the accurate information. Please confirm the results of your investigation in writing. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 collections LVNV. I contacted LVNV in the past couple months regarding a debt collection claim on my credit report. Resurgent replied from LVNV website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. LVNV has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under I5 USC 1681. 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 XXXXXXXX, 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 reposting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX at XXXX Bank on XX/XX/XXXX and left a message. XXXX returned my call on XX/XX/XXXX and asked for screenshots of the reported balances on my credit report. I emailed the requested information on XX/XX/XXXX, called and confirmed they were received. I was told to give him a few days to research and he would call me back. However, I called XX/XX/XXXX to check the status and left a message for XXXX to call me back as I have not heard anything. This is a repeat issue Ive been having with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I see from the XXXX Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account. 

Below are the INQUIRIES made : 1. Capital One - Auto Financing ( Inquiry from XX/XX/2019 ) 2. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )
Product: Payday loan

On Wednesday, XXXX XXXX, XXXX, I routinely checked my bank accounts for balance and cleared payments. At that time, I checked XXXX XXXX Bank - which showed a deposit of {$1100.00} ( see attached. ) I did not apply for, go online thinking about applying for, or call or write anyone in any attempt to get any payday or other loan. So I went directly to my bank, asked them how this company has access to deposit money in my account? The bank would only tell me that the transaction was authorized. So I closed that account with them and re-opened a new account. 

The lender is CashNet USA or similar name. The loan looks like it was deposited on XXXX/XXXX/XXXX - to XXXX in XXXX ( XXXX branch ) .I am a XXXX resident, and was born and raised here. After speaking with XXXX office last week, I was advised that currently this company does not have a license to 'lend money ' to anyone residing here. ( CashNet USA 's website also confirms this. 

I should say that from about XXXX XXXX through XXXX XXXX, I did in fact have a loan through CashNet, but paid it off in full and have documents from CashNet to prove it. 

So, someone went online and applied for a loan in my name. This current loan lists the account # XXXX which is the same account # on my payoff documents. 

What benefit is it to a criminal to apply for a payday loan under a someone else 's name when i 'm sure at some point they had to be told the funds would be deposited into the pre-existing bank account -- that the criminal could n't access? 

How did CashNet still have authorization to access my bank account in the first place - after i closed my account with them? 

How did CashNet issue a loan in XXXX when it does n't have a license to do so, and it 's a prohibited practice in XXXX? 

And now I 'm FORCED to take action, and lose time from work etc. 

I believe CashNet, through some layers of deception, deposited this money on purpose in hopes I 'd just and pay them. 

I did not sign anything, and whoever acted to make this current 'loan ' apparently relied on old data on me from my previous loan - ( in which i was living in XXXX with a XXXX licence and car registration ). In making this 'loan ', CashNet should have ( by law or just due dilligence ) bothered to verify who i am, current employer, address, phone, etc. on me including public records of me moving to XXXX, changing car title and registration, and my driver 's license. 

Instead it appears they choose to 'slam ' me with this loan, and now expect me to pay back at usuary rates. 

This is no different than XXXX XXXX standing on a street corner and one SHOVES money in your pocket while the other yells " Yeah, that 's {$1100.00} there - and now you owe us {$5000.00} in interest, fees, and principle. '' This has got to stop! The federal government exists to protect it 's citizens from XXXX like CashNet. Set a maximum " payback '' rate on all payday loans, AND make it a felony criminal offense to loan money and receive payback at ANY rate, or by any other terms that would cause a consumer to effectively pay higher than the maximum payback rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately.

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX on behalf of XXXX Date : XX/XX/2020
Product: Mortgage

XX/XX/2021 I applied for a home equity loan at Atlantic Union Bank XXXX Virginia. Loan officer said I could borrow up to the 80 % of the appraised value of my house. I chose 50 % for a {$50000.00} loan approx. 

I submitted an official credit score document up to date 4 days prior, showing 803 " excellent '' in a green circle. This was accepted by the loan officer. I presumed this would be used.

She indicated there should be no problem. 4 days later I was informed that I can only borrow {$12000.00}. I was surprised as two other banks in the area XXXX XXXX XXXX and XXXX XXXX offered the full {$50000.00} where I don't have any money deposited like I do this Bank. 

I explained to the manager why the reasons they gave me did not make sense from a banking or common sense standpoint. I would not put my home up worth a XXXX XXXX for a {$10000.00} loan that I don't need. It was for a slush fund as I explained to the loan officer. 

The larger concern for me is my CREDIT SCORE. They informed me that they did a hard credit check to verify my credit score on the official document I submitted. It took me almost a year to get out of the 790s and to XXXX. One press of a button by Atlantic Union Bank took most of it away in an instant and back down into the 790s!

I was informed by two Atlantic Union Bank ladies that they do this to all there patrons. Three Atlantic Union ladies told me they agree with my common sense logic that this punishes their customers for not doing anything wrong. Following their rules to get a loan or to be considered for a loan does not reflect negatively on their financial management character. It's just applying for a loan. Why would you want to hurt somebody's credit. No answer The only people who benefit from lower scores unjustifiably are banks. They can charge you more to buy their money. Everybody else suffers, buyers, sellers, businesses the economy. Worse, this bank had an official verification of my credit score from a multi-billion-dollar bank right down the street. 

Had I known that they were only going to loan me a 10 % of the value of my house and that they were going to do a hard credit check doc my credit score 7 full points I would have never applied for the loan.

The person who approved the loan for such a small amount, I knew it would probably not be accepted and did the hard credit check anyway. And didn't think a thing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

******Second Request********* In complaint XXXX after explaining why I had a difficult time understanding the results of the investigation conducted by TransUnion on or around XX/XX/2018, regarding three collection accounts ; I demanded a detailed description of the methods used to verify the information on my credit report. According to the FCRA when demanded a credit reporting agency must supply a detailed description of how they conducted their investigation. The FCRA also reported that failure to provide such information may be punishable by civil penalties. Instead of providing the demanded information, TransUnion opened another investigation. I did not request an additional investigation but rather a comprehensive description of how they conducted their investigation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.