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

On XX/XX/2021 I sent ( XXXX, Equifax, and XXXX ) a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I am a victim of covid 19 and by LAW they should have never put them on my report. 

In addition another unlawful act by ( XXXX, Equifax, XXXX  ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 



Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {XXXX} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 5. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 6. Misleading False Reporting Unverifiable/ Inaccurate Date Last Active Date Reported Date Opened XXXX XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 7. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXX Unpaid Balance {$120.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I requested an international money transfer in the amount of XXXX XXXX and XXXX XXXX dollars ( USD XXXX ) through Moneygram company in the USA to be deposited in a personal account at XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. 
Moneygram provided me with the tracking number # XXXX at an exchange rate of XXXX and an amount to be received up to XXXX XXXX XXXX. 
However the beneficiary person who is my father never received the amount in his personal account in XXXX. 
I called Moneygram by XX/XX/XXXX, and They explained to me that a further investigation would be initiated and ask me to call back in the next week. 
I made a second call to Moneygram on XX/XX/XXXX, and they again replied that a deeper research would be conducted and ask me again to call back in 10 days. 
In the first week of XX/XX/2020, I called them back again and They argued that the money transfer was already made and that I needed to contact the bank in XXXX. 
Subsequently, my dad went several times to a branch of the XXXX XXXX ( XXXX ), but they argued that he bank have not received the money to credit my dad 's personal bank account in XXXX. 

I am attaching ( 1 ) the receipt from Moneygram and ( 2 ) the number of my dad 's account ( CLABE ) to allegedly be credited ( circled in red ) Thanks for your attention
Product: Debt collection

I filed disputes with LVNV funding twice over the last four months for validation of debt for XXXX accounts and removal from my credit reports. They did not properly verify the debt and it remains on my credit report. 

On Wednesday, XX/XX/XXXX, I was given a summons that included XXXX bills of sales of the old XXXX XXXX account. XXXX XXXX charged off the accounts but I have never received a 1099 for cancellation of this debt to file with my return. The bill of sales showed that the debt was bought 5 times on XXXX specific date ( XXXX ) by multiple debt collectors. As you will see from the attachment, Exhibit 4 shows that the bill of sale was signed and dated before the original creditor even sold it to the initial buyer, XXXX XXXX, XXXX. This can be seen in Exhibit one with a date of XX/XX/XXXX. LVNV Funding essentially bought my information, but there is not a single dollar amount on any of the bills of sales, that they furnished in the summons. This shows a very broken Forward flow agreement which questions LVNV Funding 's ownership of this account.
Product: Student loan

I am a co-signer on Student Loan. I would like to be released. The borrower/student has made payments faithfully for almost 4 years, never been late, has an excellent credit score, and an exemplary work record, continuously employed since graduating. 

Sallie Mae has twice denied the release, the first with a CODE 14 Insufficient Income for amount of credit requested. Second the same reason. We have no problem with that determination, but we do have a problem that Sallie Mae wont provide the metrics that allow us to set our goals to be released as a co-signer. 

We have the right to know the values that need to be aligned such that a cosigner ( s ) can be released. The credit score was very good ( XXXX ) and the payments have been prompt. To encourage us debtors to endeavor to be financially responsible and to seek the path of freedom from debt we need to be provided with information to set targets and goals. 

Personally, I think it is immoral that this information is not provided at the onset. I think it is sad the effort we have to undertake ( calls and letters ) to receive this rightful information, and further sad for those that do not have the time or the means to seek this information. 

Sallie Mae requires : I have demonstrated a satisfactory history of making the required 12 consecutive, on-time payments of principal and interest immediately before applying. 
I have no student loan ( s ) in default. 
I have not been reported as 90+ days delinquent in the past 24 months. 
I have no student loan ( s ) currently in a hardship forbearance or modified repayment program. 
My account is not delinquent immediately before applying. 
I must meet age of majority requirements in my state of residence ( be old enough to enter into a legally binding contract ). 
I must be a U.S. citizen or permanent resident at the time my request is processed. If my citizenship has changed since I applied for the loan ( s ) in question, I will provide proof of citizenship. 
By releasing my cosigner ( s ), Sallie Mae is not releasing me from my loan obligation ( s ). 

It would be so easy to also require the other information that Sallie Mae requires which the consumer has no idea how their decision is made. By example : Credit Score greater than xxx Debt to Income ratio less than Loan Balance is x percentage of Income Or other metrics they use to evaluate When you call Sallie Mae their representative can not give that information. I have asked to speak to a supervisor, and they have failed to call me back after several messages left on a voice mail. Very frustrating. 

In closing I think their evaluation criteria should be transparent and easily accessible prior to submitting the release request. Thank you
Product: Credit reporting or other personal consumer reports

I saw that there are incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act One Main Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

On XXXX XXXX of XXXX I was desperate to purchase a vehicle as I was starting a new job in a couple days and needed a car when I contacted XXXX XXXX from XXXX XXXX XXXX XXXX. I called and asked him cars with price up to {$4000.00}. XXXX XXXX called me back and told me he had a car for sale with a reduced price of {$4000.00} ( original price {$4600.00} ). I went to the dealer and after several hours back and forward about price and financial options, he said I only qualified for a loan if I paid {$2000.00}. He told me he had to raise the price of the car in order to qualify me to obtain a loan. The price of the car jumped from {$4000.00} to {$5900.00} plus {$690.00} dealer fee. I gave a {$2000.00} down payment ( as mandatory to obtain the loan ) being {$1000.00} with a master card I had to borrow from my girlfriend and a post dated check for {$1000.00} ( to be cashed in 30 days ). Even after the {$2000.00} down payment, the amount financed ended up being {$5600.00} with a 27.99 % interest with American Credit Acceptance LLC totaling {$12000.00} for a {$4000.00} car. I have their adds from their website showing the exactly car for sale for {$4600.00}, which proves their inflated the price. This deal demonstrated the predatory sales tactics from XXXX XXXX XXXX XXXX by inflating the price of the car, adding junk fees knowing my desperation for a vehicle and put me in a finance loan with an illegal interest rate as in the State of Florida the maximum interest rate is 18 % in loans up to {$500000.00}. After being there for six hours, I was so exhausted that I ended up signing everything they asked me as all I wanted was to be done and go home. 
The interest in my loan is 27.99 %. XXXX The XXXX Florida Statutes : " Usurious contracts '' defined. -- ( 1 ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( 2 ) As amended by chapter XXXX, Laws of Florida, chapter XXXX, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XXXX XXXX, XXXX, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XXXX XXXX, XXXX.
Product: Credit card

My husband is on a solo bicycle trip In XXXX XXXX. Not wanting to take cash, he took XXXX credit card Capital One Visa. While In a very remote location, without any warning Capital One Visa deactivated both my husband 's and my cards and All transactions rejected. I am not In need of the card but my husband is stranded in a remote arena without means to pay for food or shelter. When he contacted Capital one, they connected him to the Fraud divison. They said the card was rejected and wo n't give a reason why. They requested him to send them certain identification information He did tthis. Capital One Visa response was that this was not sufficent and requested he send more information which he did not carry with him. He called me In the US & I sent the additional information. I have confirmation that they recieved it, yet they say they have not recieve it. I sent the same required Information to my husband in XXXX & he resent it. This dispite capital one Viisa Venture card is requesting personal information that was not required to even qualify for this card. Im concerned & suspicious In addition to being very upset with the non concern, rude treatment from the members of the Fraud staff. They even told me that this capital One Visa Venture card is not connected to Capital One Bank. I am afraid this is a scam and invollves the Use of giving bonus points after spending {$3000.00} dollars within 3 months. We paid them {$3900.00} within one month and they canceled the Capital One Visa Venture card at the most inoportune time possible, to avoid the bonus offer. No reason, No help, and it appears possible data mining & possible identification Fraud from the " Fraud Dept '' of Capital One Venture Visa. I reguest you please investigate this company and prevent others from this most distressing experence.
Product: Mortgage

Our home was destroyed in a national disaster ( flood ) in which we received a total loss on our insurance policy from FEMA and we were forced by the county to tear the house down and rebuild. FEMA released the entire amount upfront ( {$140000.00} ). Because we have a mortgage the insurance check had to be endorsed. We received a letter from our mortgage company stating that we qualified for full release of funds and that if we sent the check in to them it would be endorsed and sent right back. We followed the appropriate steps but instead the company cashed the check and is now holding up a large portion of the proceeds preventing us from completing our new home. Our original insurance check was for {$140000.00} of which only {$100000.00} has been released. We scheduled a inspection of our new home in which the inspector ( hires by lender ) stated our new home was 80 % - 85 % complete ( contract price on new home is {$250000.00} ). We are making up the difference in new home cost in cash. However the mortgage company is refusing to release the proceeds until our new home is 100 % complete. The local banker, same company, offered a line of credit to help us complete the home essentially attempting to make more money off of us all while holding our money.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( TransUnionXXXX ) XXXX XXXX XXXX Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Mortgage

On approximately XX/XX/XXXX I contacted First Commonwealth Mortgage Corp. out of Kentucky to assist me with a home purchase. I worked with gentleman by the name of XXXX XXXX XXXX # XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX all the appropriate paper work was submitted to to get me " Pre-Approved ''. Based on my income, taxes, and rental income I was almost instantly pre-approved. 
( Keep in mind pre-approved is different then pre-qualified ). I found a house and went under contract. XXXX told me " we 're gon na push this thing through as fast as we can '' asking me to forgive him if he seemed pushy and demanded documents be signed and financial documents be sent of as fast as possible upon request. Im fairly organized and prompt and felt nothing out of he ordinary hopeful that we can close fairly quickly. 
Between XX/XX/XXXX and XX/XX/XXXX all documents were in and the inspection was ordered, the appraisal was ordered and the earnest money was withdrawn and delivered. 
Contracts were drafted and signed at the negotiated asking price, and we were scheduled to close on XX/XX/XXXX. With a deadline to withdraw, decline or contest anything in the reports, and or contract by the XX/XX/XXXX. XXXX knew 100 % about this deadline. 
On XX/XX/XXXX. XXXX called and emailed me that the deal was dead and that I did n't get approved for the purchase. 
He stated it was a XXXX XXXX guideline at which I needed " 5 years self employment income. '' ( Fannie Mae has no such guideline ). After that I had my Financial and Real-Estate professional reach out to XXXX, at that point he said it was my " Debt to Income Ratio '' ... So which one was it? 
Either way, at the point of my application submittal XXXX XXXX should have noticed the " 5 year income rule ''. Or, based on my financial records seen that my " Debt to Income Ratio '' was to high. Either way he should have noticed INSTANTLY!. Also, a person can not use rental income for the purchase of a new home unless they have claimed rental income for 2 years on they 're taxes. Or have moved 50 miles away from primary residence. In any case I did n't meet either criteria. 
I believe XXXX XXXX was lying to me from the very beginning and was trying to get this loan approved by any means necessary. I believe shady practices were involved and calculations were grossly neglected. Whether its intentional mal-practice, laziness, or greed. I am now out {$2500.00} Earnest Monies {$1500.00} Appraisal Monies {$620.00} Inspection Fees {$420.00} XXXX XXXX knew instantly I did not qualify for this loan. Now XXXX families immediate futures are in shambles because of his, neglect and very un-proffessional ethics.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit through Citizens Pay and in the contract it stipulated that I would pay $ 25 monthly. however, after contract was signed. In addition, I successfully signed up for auto pay and discovered that they had a technical issue with their XXXX XXXX software once my credit score dropped for late payments. I have attempted to contact Citizens Pay for over 2 months via emails, certified letter, And several telephone calls to resolve the above issue albeit, it's a breach of contract for them increasing the monthly fee. However, they have been unresponsive.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I wrote Transunion a letter asking them to please update my credit report by deleting a XXXX XXXX acct that is only being reported by Transunion and not by the two other consumer credit reporting agencies. Its been well over 30 days and still waiting for them to update or respond. Fair Credit Reporting act 15 USC 1681 ( a ) states that what Transunion reports have to be accurate and fair.

If Transunion is the only bureau that is reporting account, how could this be fair or accurate?

As per 15 U.S. Code 6801 policy states that financial institutions have and obligation to protect my privacy by not disclosing nonpublic personal informaton. I feel like Transunion is violating my privacy by reporting past due amount of XXXX They are disclosing a financial transaction between the financial institution and myself. As well as not giving me notice on how to " opt out ''.

Please help. These violations hurts me and my family financially and has put strain on us in several ways.

Thanks
Product: Debt collection

Contact me. That's your responsibility. I will however keep on filing this report until things get resolved. If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. # 1 I have never even met any of the aprtment rental ppl due to pandemic. # 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. # 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.