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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, J Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXXXXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The back policy is that if the withdraw is over the fund balance there will not be overdraft. This was the case for all the history of this checking but on XX/XX/2021, the bank allow XXXX withdraw illegally resulting in {$7000.00} or so overdraft. This is against the banking rule.
Product: Debt collection

XX/XX/year> Collection Notice received from Vanguard Financial Services, stating that the amount owed was in remittance to " various clients '' the amount is {$270.00} I have received multiple letters from Vanguard and the verbiage used stated " This is to advise you that some or all of your deliquent account ( s ) may be reported to a XXXXXXXX XXXX XXXX. We urge you to contact us immediately to make payment arrangements on your past due account. '' Says the original creditors on the back but it says XXXX XXXX XXXX from three different occasions. I have a serious medical condtition and I am unsure what these are.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Transform Credit Inc report a new installment loan account to my XXXX credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for Transform loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with XXXX on XX/XX/2023. Transform emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX XXXX, Transform told XXXX that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.
Product: Credit card or prepaid card

I have a applied for this company through XXXX XXXX, on there it says 0 % interest rate for 18 months, after the first month I have used the card they have added best interest rates on top the purchases. And the credit card that I hold is with Chase Bank
Product: Debt collection

PREVIOUSE COMPLAINT XXXX - WAS NOT RESOLVED. NOT PROVIDED WITH WHAT I ASKED FOR. 

To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies.
Product: Debt collection

On the last week of XX/XX/2022 I received a letter regarding a debt that isn't mine. In the past I tried to explain them that it wasn't mine and asked to stop sending me letters but they are doing it again.
Product: Mortgage

My XXXX and I are XXXX  military and live in a house which has a VA XXXX XXXX. The loan and title has both our names on them and the loan is currently serviced by Amerihome Mortgage. We XXXX XXXX  recently and I have acquired a position with the XXXX XXXX XXXX ( Government service ) in XXXX. I leave early next year. Our VA loan has an assumption clause and on XX/XX/XXXX, we requested the paperwork be sent to us to get the process started. My XXXX is taking over the loan and house as I wish to have the loan responsibility removed from my credit. We did not receive the paperwork until XXXX XXXX. After filling out the paperwork, we chose to email a scanned copy to the XXXX  department as described on the paperwork on XXXX XXXX. Their auto email response states to give them XXXX business days to process. On the XXXX business day ( XX/XX/XXXX ), after no response, I called customer service to see what was going on. On this call, I found out a couple of facts. First, no one can contact the XXXX  department directly. Secondly, the paperwork we submitted was only to request the actual paperwork to start the process! The customer service agent started a workorder for the XXXX  department to contact us. She stated to give it a couple more days for them to contact us. At this time I also sent an email to the XXXX  department to see if they would respond that way. Since then, no response and I have called XXXX more times. The second to last time, I insisted I talk to a higher level who can affect the situation more expeditiously. Customer service connected me to the escalations department on XXXX XXXX. I found out that someone closed the original call-in workorder. Escalations re-opened it. They also sent an email to the " Research Team '' in order to investigate. Again, I was given a timeline of a couple of days. The final time I called, XXXX XXXX, the escalations specialist stated that the workorder is still open, but nothing has changed. She did state that XXXX  usually doesn't take this long and she didn't know what's going on. Bottom line, once the paperwork is actually submitted, Amerihome says the process could take up to XXXX months! My time is limited and we need to get this going. I believe it is terrible business policy that customers can not get in touch with XXXX  directly to be given a progress update. We are in the dark. We started this on XX/XX/XXXX and haven't progressed very far at all. Please assist.
Product: Credit reporting or other personal consumer reports

This company is reporting 2 late payments in this closed account. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payments : XX/XX/year> XX/XX/year> | am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error inquiry from XX/XX/2019. SyncB XXXX XXXX/ XXXX  My credit score went down
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Last XXXX XXXX Goldman Sachs Subject : Request for Removal of Inaccurate Late Payments - Account # XXXX Dear Sir/Madam, I am writing regarding my account # XXXX and the reporting of late payments associated with this account. After careful review, I believe these late payments are inaccurate and unjust. They have caused a significant negative impact on my credit report, leading to financial hardship and emotional distress. 

I would like to address this matter amicably and swiftly to avoid unnecessary escalation. As part of our agreement, arbitration is an option for resolving disputes ; however, I would prefer to resolve this issue directly with you to avoid the substantial fees and costs associated with arbitration. I am fully prepared to pursue arbitration and to uphold and ensure my rights are not violated. 

I am presenting two possible resolutions for your consideration : Remove the inaccurate late payments from my credit report and update the account status to reflect accuracy. 

Proceed to arbitration, wherein Goldman Sachs will incur arbitration costs and associated fees, which can be substantial. 

I strongly encourage you to take option one and resolve this matter promptly to avoid unnecessary expenses and prolonged conflict. 

Please respond to this letter within 15 days of receipt. I am confident we can reach a resolution that is fair and mutually agreeable without resorting to arbitration. please respond with how you would like to proceed. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX has placed Account info Account number XXXX on my credit file, despite me sending proof from another incident in which my credit was compromised, they have refused to remove this incorrect listing and Experian has failed to properly investigate my complaint and correct my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX RE : XXXX Complaint # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I am I receipt of a generic response from XXXX XXXX which has failed to address several issues that I have presented and leaves more questions to be answered : as to the continued mistaken and intentional reporting on my credit file. The contract is the same information that was presented in court as XXXX XXXX XXXX used during a trial XX/XX/XXXX, during which Judge Chambers found that I in fact was not the correct party and dismissed the action with prejudice. You said that my requested fraud investigation was closed the same day and declined due to me having received funds. As you are aware internet identity theft is common, and I have been notified on multiple occasions that my information has been compromised. To bolster your claim of funds being received, 1. I am requesting proof of transaction of funds received 2. If the account was charged off, did you send me a 1099c? 3. You have stated that several applications were made by me for loans prior to, during, and after the alleged loan was opened by me, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX. What were your investigative methods to reach your determination? Please supply evidence that in fact I was the individual as I expect a thorough and satisfactory response. evidence that in fact I was the individual, as it is not logical that I would make five applications, while allegedly having an open loan. I do however have proof that the XXXX XXXX made a deliberate effort to inquire on my credit report consistently since XX/XX/XXXX, I am attaching to this document. ALL evidence of these soft inquiries by XXXX XXXX were removed XX/XX/XXXX, which is six days after I sent my complaint to the XXXX. 
As I am sure you are aware, under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning your credit information and protection from the misuse of my credit data. 
If someone violates my rights under the FCRA, I have several remedies available. Those remedies might include actual damages, punitive damages, attorneys ' fees, and costs. The type of remedy will depend on whether the violation was intentional or negligent. 
I look forward to a positive resolution to this egregious situation. 

XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX had charged my account cause my account to go in to overdraft. I contacted XXXX to get the funds reversed and they did and then reached out to Wells Fargo to notify them about the situation. The agent I spoke to advise me to wait for the refund to go through then call back. Two days later, I reached out back to Wells Fargo to let them know that the XXXX transaction was refunded and that they need to refund me the overdraft fee so I can put my money in my account. The agent that I was speaking to was rude stating that the fee was unable to be. After arguing and explain the the situation about the fee, she finally realized what had happened and reversed the fee. Causing me to wait another day to deposit money in to my account to make the my payment and that next day I got a email stating that my credit report had update with a missed payment. I am seeking help with my situation due to the fact that it was not my fault that my account was overdraft, not allowing me to make my payment for more then a week while I was attempting to make a payment.
Product: Credit card

This complaint is based on Federal Regulation Z compliance. 

I gave a resort hotel my credit card to " hold '' as a security deposit. Nothing was supposed to be charged. After attending various seminars sponsored by the resort, I was given a certificate for a credit toward the hotel cost. Upon presenting the certificate at check out, the hotel charged {$2.00} after application of the resort credits. I signed for the {$2.00} and left. 

When I received the bill, the hotel charged {$1000.00} but I did not authorize the charge. I did not sign for the charge. I filed a chargeback with the credit card company, AMEX. The credit card company did not communicate with me about the chargeback, but closed the matter. The hotel did not produce a signed receipt or any other evidence demonstrating I had authorized any charge except {$2.00}.
Product: Credit card

iI would like all inquries removed on my credit report that are not associated with open act. 
do to fraud reasons. 
XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint against LVNV Funding and its affiliate, XXXX XXXX, regarding the repossession of my vehicle and the subsequent damages caused during the process. When my vehicle was repossessed, it sustained significant damage that was not present before the repossession. Upon discovering the damage, I immediately reported the issue to LVNV Funding, requesting that they take responsibility for the damages and either repair the vehicle or provide compensation for the damage incurred. However, I was told that it was not their responsibility to address the issue, and they have refused to acknowledge or address the damages, despite my repeated attempts to resolve the matter. 

This refusal to take responsibility for the damage caused during the repossession is completely unacceptable. It is a clear failure on their part to properly handle the repossession process, and their response has caused me significant financial and emotional hardship. Not only has LVNV Funding failed to take responsibility for the damages, but their dismissive response further exacerbates the situation, leaving me with a damaged vehicle and no recourse to fix it. I am requesting that LVNV Funding immediately take responsibility for the damages, repair the vehicle to its original condition, or provide compensation for the damage caused. 

If this matter is not resolved promptly, I will be forced to take further legal action, including reporting the issue to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state authorities. I also expect LVNV Funding to take immediate corrective actions to ensure that such damages are not caused to other consumers in the future and that repossessions are handled with the care and responsibility required by law.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and dec geptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$56000.00} - Charge off XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I believe that I signed up for a predatory loan with One Main Financial due to my financial illiteracy. I needed help while in a bind, and signed up for a loan at a predatory rate of 35.99 %. They said this was due to my credit score. I borrowed a total of {$5300.00} starting XX/XX/year>, and have yet to miss a payment. I have XXXX years left on this plan, and I have paid over {$7000.00} back. Almost {$2000.00} more than what I have originally borrowed. 


The plan is constructed as followed : ANNUAL PERCENTAGE RATE : 35.99 % FINANCE CHARGE : {$5500.00} AMOUNT FINANCED : {$5300.00} Total Payments : {$10000.00} Is there a way I can save myself from continuing this loan?