23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had an account with Zip XXXX, took out several loans, and paid them all back as required. No defaults, no missed payments. Several months ago, I attempted to log into my account and continually got an error with the app message. I contacted the company. ( see below ). If they are refusing me credit, they are required to tell me why and what it is based on. They are refusing. 

XX/XX/year>, XXXX EST I can no longer access my account. On the app, whenever I put in my phone number I get a message across the screen that says Something went wrong, please try again later this has been happening for over a month. When I try to log in to the website, it says it is sending me a text verification code but never does. My Name and phone are below. Can you tell me what the problem is please? 

XXXX XX/XX/year>, XXXX EST Hi XXXX , Thank you for your interest in shopping using the Zip app.

Unfortunately, we are unable to grant you access to the Zip mobile app at this time because your account does not meet our approval guidelines. We don't currently share information around our assessment guidelines, as this assessment is completed automatically by our systems. Unfortunately, our web checkout will not be available either, but please know you can try again in the future.

Again, thank you for your interest in Zip. Please let us know if we can assist with anything else!

Regards, Zip XXXX XXXX XXXX Buy now. Pay later. Anywhere you shop.

Please visit help.us.zip.co for our FAQ. 

XX/XX/year>, XXXX XXXX Oh. Can you tell me what is wrong, as I had an account with no issues/defaults for a long time. This would be a FDCPA issue. 

XXXX XXXX XXXX ( Zip XXXX ) XX/XX/year>, XXXX EST We understand it is important to have more information regarding this. 

However at this moment we do not share information around our assessment guidelines, as this assessment is completed automatically by our systems. 

Again, thank you for your interest in Zip. Please let us know if we can assist with anything else! 


Regards, Zip XXXX XXXX XXXX Buy now. Pay later. Anywhere you shop.

Please visit help.us.zip.co for our FAQ.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX and XXXX XXXX pulled my credit without my authorization on Equifax, XXXX, and XXXX and shows up as hard pulls, I didnt request this. Also on XX/XX/2024 XXXX XXXX XXXX XXXX pulled my credit without my authorization on Equifax, XXXX, and XXXX and shows up as hard pulls, I didnt request this.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Credit Inquiries Dear TransUnion, I am writing to formally request the removal of certain unauthorized credit inquiries from my TransUnion credit report. While I do have accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I did not authorize the hard inquiries listed below and request their removal : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> As per the Fair Credit Reporting Act ( FCRA ), I am disputing these inquiries because they were not authorized. My FTC Identity Theft Report Number is XXXX, which further supports my claim that these inquiries should be removed.
Product: Money transfer, virtual currency, or money service

i sent a wire transfer to coinbase to purchase bitcoin on XX/XX/2022 after purchasing the bitcoins on there website my account was restricted i contact there customer services they said the will email me and it's more than 3 weeks and i'm still unable to send out my bitcoin or send my money back to my account. when i emailed then they have no genuine reason to hold my money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Spring Oaks Capital LLC, Re : Request for Debt Validation I am writing to formally request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act. My name is XXXX XXXX XXXX, and I am requesting verification of the following account : Account Number : [ Your Account Number ] Amount Owed : [ Amount ] Please provide me with the following information : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
Documentation that verifies your right to collect this debt. 
A detailed statement of the account, including any interest, fees, or other charges. 
Proof that you are licensed to collect debts in my state. 
Until you provide this information, I request that you cease all collection activities. I appreciate your prompt attention to this matter and expect a response within 30 days. 

Thank you for your cooperation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Transunion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX, XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.
Product: Credit reporting or other personal consumer reports

On XXXX trans union and XXXX there is names and addresses that are wrong I need corrected immediately also a XXXX car loan is closed but still shows past due balance that is also incorrect this is greatly hurting my scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.
Product: Debt collection

XXXX gave account that was closed to Jefferson Catial Collection, i turned them in to FTC.GOV last year and it was Charge-off as dischage.Today in Mail got it again Secret Letter No-Name ecept mine, but left top it has? Return Mail Only XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Revco Solutions , Inc. contacted me by mail on XX/XX/year>, regarding medical debt originating from a XXXX XXXX XXXX XXXX XXXX. I immediately responded notifying them that it was not my debt. I received a written response that included statements on XX/XX/scrub>XXXX XXXX XXXX 

I sent a response letter on XX/XX/scrub>XXXX XXXX XXXX renewing my objection to the debt and requesting more information including documentation and verification of the debt and the basis for the claim that I owe it as well as copies of all billing statements, itemization of any payments made, additional interest, fees or charges added to the account. 

Revco responded by sending the same documentation I received on XXXX XXXX XXXX only this time it was partially redacted. 

This is not my debt. I have never received any treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I have never agreed to provide payment on behalf of another person who received treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I notified Revco of this in writing. Revco has provided no documentation or verification that it was me who received the treatment or agreed to pay for it.

I will send Revco another letter renewing my objection to the debt and providing them notice of this complaint after the complaint is submitted.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this complaint regarding American Express. They continue to report inaccurate information about my account to the credit bureaus. 

Account Information : - Account Name : XXXX XXXX - Account Number : ending in XXXX - Date Account Was Closed : XXXX Issue : American Express is reporting this account as a charge-off, They are doing this multiple months in the year XXXX and now continuing in XXXX. However, despite the account already being charged off, American Express continues to report the account as a charge-off every month. This is inaccurate and has negatively affected my credit score. 

Despite their lawyers sending me a NOTICE OF VOLUNTARY DISMISSAL letter, confirming that they have dismissed their lawsuit against me, American Express continues to report my account as a new charge-off to my credit every month. 

This is inaccurate and unfair, as the lawsuit has been dismissed and I am no longer liable for the debt. I have attached a copy of the NOTICE OF VOLUNTARY DISMISSAL letter, which confirms the dismissal of the lawsuit. 

I request that you investigate this matter and take the necessary steps to : 1. Correct American Express 's inaccurate credit reporting 2. Remove the charge-off from my credit reports with XXXX, XXXX, and XXXX I would appreciate your help in resolving this issue and ensuring that my credit reports accurately reflect the dismissal of the lawsuit.

Thank you for your attention to this matter.

I have tried to contact American Express to resolve this issue, but they have failed to correct the error. I am demanding that American Express update the account status to reflect that it has already been charged off and is no longer being reported as a new charge-off each month.
Product: Mortgage

I was send a post card that I was going to have an independent forclouser review and I was going to receive a check. I never got anything about my review or a check.
Product: Credit reporting or other personal consumer reports

Issue : Inaccurate Information on Credit Report I am writing to file a formal complaint against XXXX XXXX XXXX regarding inaccurate information being reported on my credit reports with XXXX and TransUnion. Despite my efforts to resolve these inaccuracies directly with the credit bureaus and the creditor, the issues persist and are significantly affecting my creditworthiness. The details of the inaccuracies are as follows : XXXX Report : The account is listed as 30 days past due for three consecutive months from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXX and XX/XX/XXXX. 
The account is erroneously listed as 180 days past due for six consecutive months from XX/XX/XXXX to XX/XX/XXXX. It is impossible for an account to be 180 days past due for six consecutive months. 
TransUnion Report : The payment history indicates that the account was 120 days past due beginning in XX/XX/XXXX, which contradicts the information reported by XXXX. 
These inconsistencies highlight that the information reported by ALL IN XXXX is not only inaccurate but also misleading. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The continued reporting of this erroneous information violates sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, which mandate the accuracy and completeness of information provided to consumer reporting agencies. 

Also the expected date to be removed is different on each report which shows evidence of re-aging and inaccurate information Impact : The inaccurate reporting of my payment history and the inconsistency between credit bureaus have caused substantial harm to my credit score, affecting my ability to obtain credit under favorable terms. 

Attempts to Resolve : I have disputed these inaccuracies with both XXXX and TransUnion, providing documentation to support my claims. However, the disputes have not resulted in the necessary corrections, and the inaccurate information remains on my credit reports. 

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX deletes the inaccurate information from my credit reports. If the inaccuracies can not be verified, I request the complete removal of this account from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2020, GLOBAL LENDING SERVI add a hard inquiriy on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX XXXX  add a hard inquiriy on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX, I was refinancing my mortgage and all of a sudden a missed payment on a supposed XXXX account in XXXX showed up on my credit report. This issue was not on my credit report just XXXX years earlier, it just popped up on it. 

XXXX never sent me any notice that I owed them money from XXXX years ago for XXXX month payment. No back up information of any kind was ever provided to me, they just say I owed it and the credit reporting agencies marked my credit rating significantly. I filed a dispute and XXXX was the only one that seems to have corrected it. 

I went in to buy a car this week and this XXXX year ago issue still reduces my credit score significantly. This is the only mark on my credit and it reduces my credit score by XXXX points. 

Again, I reached out today to dispute it, and XXXX responded in about XXXX minutes that the dispute was resolved with no apparent change coming. 

To have a single payment issue from XXXX ago suddenly appear on your credit report is bad enough, but when that is the only mark on you credit to have it reduce your score by 25 % is ridiculous. Again, XXXX never said I missed a payment either XXXX  years ago nor any time since. It just got put on there decades later and there's nothing I can do about. That just seems crazy
Product: Debt collection

I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

Please Help!!
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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