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

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service. unfair practices which violates the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected furthermore, the dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.these actions call significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Checking or savings account

I filed a dispute for charges that were made on my Chime debit card account that I had not authorized. The amount that was Taken out of my account was {$890.00}. Chime was told during this dispute that I knew where the charges were made and I also knew who made them without my consent. The charges were made by my underage son playing games on my computer while I was at work and charging the coins to my debit card that was on file with the gaming company! I in no way gave him permission to do this and there for it was not authorized or approved by me! I tried to contact the company of the website where the debit card was used and they refused to issue a refund even though the charges were made by an under age child! After all of this was explained to Chime they still decided to deny my claim. and refuse to get me my money back. I have since told them I was filing a complaint on here and they are reopening the case but I am not very hopeful or confident in them doing the rite thing! It is sad to think that the bank you bamk with like I have for many years now fails you in such a way and states there doing an investigation when there was no investigation to be done! They were told from the start how it happened and who did it! There should be no reason for it to not be fixed and in a timely manor because there was no investigating to do! 


Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$890.00} Date Claim of Dispute was denied : XXXX
Product: Mortgage

We have been working with PHH on a second short sale offer/application since XX/XX/XXXX. On XX/XX/XXXX, my realtor and authorized XXXX XXXX, was told by XXXX, XXXX, and XXXX that once I sent an additional email requesting a short sale that my foreclosure would be on hold to give them time to review the short sale application. I sent the email on the same day, and no one from PHH ever responded to us again. 

Today, XX/XX/XXXX, I called PHH and was told I would go into foreclosure tomorrow and would have XXXX  days to move out. I then called again about an hour later and was told that I went into foreclosure because the system says a short sale was approved by PHH in XXXX, but I denied it. This is completely incorrect and clearly false information that was inputed into the system. I have record of all the calls both my realtor, and I made and not once did anyone at PHH tell either of us the short sale was approved. Instead, they had me keep re-submitting applications and denying a mortgage assistance application I never submitted. 

The amount of incorrect and conflicting information this company has provided us is disgusting. The fact that I was told a week ago that my foreclosure was on hold, and then am told today that I will need to be out in 3 days is absolutely atrocious. I have been given no time to prepare because of the false information PHH has provided me over that past few months. I even asked for the information to get the extension started so I have more than 2 days to vacate the property, and XXXX person told me that was impossible and the next person I spoke to said I have 30 days to move out. This is another example of the conflicting information PHH provides.
Product: Debt collection

I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, transworld system and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!
Product: Credit reporting or other personal consumer reports

XXXX XXXX experienced a data breach in late XXXX. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite XXXX XXXX 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent XXXX  day late which is making me appear less credit worthy. 

XXXX XXXX should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted XXXX XXXX about this directly and not received a response. I have disputed this late payment with TransUnion and XXXX, but XXXX XXXX has verified the late payment as valid.
Product: Student loan

After numerous failed attempts to rectify my issues with Mohela, I am completely frustrated.I have submitted information and documentation in regards to my loans. Yet I was informed that a forbearnace would be needed due to back log. That request has not been completed and I keep recieving bills despite I should not. No updates have been given after calls by myself to check status but the same rhetorical statements. This has placed me in a horrible situation ( credit reporting which is unfair ) that I would like to be rectified. Mohela calls range from ( 2-3 hr hold times ) with no resolution.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Debt collection

I requested written notification of name of company saying I owe. The addresses they gave me were either not mine or old. Refuse to answer questions.
Product: Credit reporting or other personal consumer reports

There Is A Closed Account Showing Late Payments Due the XXXX XXXX  ( not ) as " current '' There Violated My Rights To Privacy. It's illegal to be sued for failure to pay debt because your contract with the original creditor was a contract of adhesion. 
Contracts of adhesion are considered unconscionable. 
And they are not enforceable. 
UCC 2-302
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX; Received an alert stating that a hard inquiry was pulled on my credit report. I did not apply or have my credit pulled.
Product: Debt collection

Reported XX/XX/2023... .Amount {$2100.00}. Called and filed a police report. Trying to get the negative report removed from my credit
Product: Mortgage

I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Mortgage

This company has misappropriated my funds and refuses to make the necessary corrections. This company has made a ***false*** negative report to the credit bureaus. This mishandling of my payments is nothing short of pure incompetence as I have made the payments on the phone and with very detailed instructions on each call that I need the payments applied to my account properly. On each call I was assured this would be done, yet here we are well over a month after I tried to keep this VERY THING from happening as I'm fully aware of the incompetence this company seems to be allowed to operate with. 

XX/XX/2021 - XXXX ' mortgage payment made on time and in full ( misappropriated XXXX, no idea where the payment was applied to XX/XX/2021 - escrow shortage payment made on time and in full to a live representative ( misappropriated ), no idea where the payment was applied to. The escrow shortage is due to a property tax increase. 

XX/XX/2021 - XXXX ' mortgage payment made early and in full to a live representative ( misappropriated ), no idea where the payment was applied to. 

XX/XX/2021 - received a check from these people stating there was an overpayment for the escrow shortage. 

XX/XX/2021 - received a late notice letter stating I am late on payments and I owe XXXX to include a XXXX late fee. 

XX/XX/2021 - called in and spoke to XXXX id teller # XXXX at XXXX CST. I went over EVERY DETAIL of how I have called in to make payments over the phone in order to advise on where I need my payments to go so I could keep this very thing from happening. XXXX verified everything I have described in this complaint to be true and accurate and stated he would call me XX/XX/2021 when the corrections were made. No contact from this person ( SHOCKER ) so I am requesting a full investigation of this severely incompetent company ASAP. 

To be clear : I have no late payments at this time and I have NEVER made a payment late on this mortgage account and this was verified on the call with XXXX XXXX XX/XX/2021 ) at XXXX CST. Also verified on this live call that the payments are received and on time and in full yet no one knows where the money has been applied or why this is happening.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022, my fianc and I purchased a puppy from XXXX XXXX in XXXX XXXX Florida. The total amount of the dog and supplies came to {$3000.00} total. I had paid {$1000.00} down and the store clerk advised that we could finance the rest thru a company called XXXX XXXX. What a mistake I had made as if I would've known the type of company this was, I would have never agreed to this. The clerk advised that the first payment would be significantly higher but the remaining payments would total to about {$200.00} per month, in which we agreed that would work for our budget. The first payment bill came in the following month, XX/XX/2022 for {$370.00}. I paid this amount in full leaving a credit balance of {$1600.00} according to ledger. The second bill came in XX/XX/2022 for the same amount of {$370.00}, not the {$200.00} we had agreed to. I immediately contacted XXXX and advised that this is not what I agreed to and not within our budget. Of course, customer service was completely unhelpful and tried to blame the merchant for the incorrect amounts. Nothing was resolved. I advised them to stop auto draft on my bank account as this would send me into overdraft having this {$370.00} taken out. I did not make another payment after that. On XX/XX/2022, a man from XXXX contacted me and stated that if I agreed to pay {$100.00} on that day and then a monthly auto-draft of my checking account of {$180.00} then my account would be back on track and would have no outstanding, late balances or credit reporting. I agreed and made the {$100.00} payment that day which then left a balance on my ledger of {$1500.00} owed. The following week, on XX/XX/2022 I received an email from XXXX with my new account ledger stating that the total amount now owed was {$2500.00}. I nearly fell out of my chair. I was charged an additional {$1000.00} for setting up this new payment agreement. Of course, I called in several times and spoke with several supervisors all of which refused to help me get this issue resolved. They informed me that there is some sort of " fine print '' somewhere that states they can now charge me 184 % interest for renegotiating this loan ; of course I never received or was told this when I agreed to the new arrangement. I even offered to make the full payment of the {$1500.00} owed and settle this amount as I am trying to buy a home right now and I do not want this unfair debt on my credit report. Again, they refused payment and demand the full {$2500.00} to settle the loan. That is more then I originally even financed to begin with. I have also made a complaint with the XXXX XXXX XXXX and to my surprise, I am not the only one who they are scamming. There are complaints, after complaints of this company continually doing this to people. At this rate, they are charging me almost {$10.00} a day in interest and I will never be able to pay off this loan. This company needs investigated and shut down as this is nothing but a scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian, and 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 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX mismanaged my student loans and reported me to collections while I was in the process of consolidating with Mohela for PSLF. I currently have a closed account with XXXX and it has impacted my credit score tremendously. I have no way of contacting XXXX to resolve this issue because they are no longer servicing student loans due to their previous fraud and mistreatment of people. Please help remove this from my credit report!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Texas Laws Dear US DEPT ED, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that US DEPT ED has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for US DEPT ED to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws. 

I demand that US DEPT ED immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes. 

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that US DEPT ED will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.