23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.
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 XXXXDate Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff - XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff- XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear LVNV FUNDING LLC, I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. 
Please consider this letter a formal request for the following : 1. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt.

2. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order.

3. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review.

Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action.

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

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested to CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, 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

At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information on XXXX XXXX TRANSUNION, XXXX XXXX I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Product: Debt collection

After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.
Product: Debt collection

Company does not realize the damage done Ive called multiple time but was on long 2-4 hours lines waiting for one person to answer, I went to the court house they stated on complaint and was told it did not exist I sent in a response letter XX/XX/2023 the same day they go called filed the suit I got a letter dated XX/XX/2023 the company above has gone beyond the lines of harassment lost a job because of the harassment they caused they were quick to call me 5-10 times in a row x 3 times a day called my job everyday once they found out I was working again I lost my job because of them
Product: Checking or savings account

I filed a dispute for ATM transaction on Cash app. ATM did not dispense the funds it gave Error message. I filed a dispute on XX/XX/year> I did not get provisional credit from cash app. On XX/XX/year> I get a email stated that dispute was resolved in my favor and they deposit {$2.00} in my cash app account, they did not refund my my transaction of {$360.00}. As of today I did not get my funds, I feel like cash app is treated me unfairly and is holding my funds. I can include all emails as a proof and I will also file appeal with my attorney and go to small courts over this.
Product: Credit reporting or other personal consumer reports

I am trying to freeze my credit with Transunion and the site keeps denying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is reporting that i have a joint account outstanding with them. I have never did any business with Ally. They are currently being sued and there has been a settlement and they are still reporting this false information.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reviewed my Transunion Credit report and noticed some unauthorized inquiries. I have attached supporting documentation below. 

XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX VAXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never aware that I had a Bank of America credit card until I signed up for XXXX. 

On XX/XX/21, I called Bank of America to verify that I did not have any opened account with them. Bank of America confirmed that they can not find any of my information in the system because I " never opened an account with the institution. '' I immediately filed an online dispute with XXXX. However, the results showed that Bank of America " reported the information has certified to XXXX that the information is accurate. '' Therefore, the account remained open on my credit report. 

On XX/XX/21, I filed another dispute. The representative helped with personal information update. I noticed an unfamiliar phone number " XXXX. '' The phone number was removed along with the Bank of America account. However, I'm still seeing the account as open on my credit report until this date. The account also shows a highest balance of {$1600.00}.
Product: Checking or savings account

On XX/XX/XXXX, I woke up to four cards being hit by the same merchant ( XXXX  XXXX XXXX ) for numerous unauthorized charges. They tried to hit our personal checking ( debit ) card, our business checking ( debit ) card, our business credit card and our personal credit card. All for high dollar amounts and similar dollar amounts on some totaling over {$15000.00}. I went into the bank immediately to report the suspicious activity. The credit cards flagged it immediately as fraud and we confirmed with them to deny the charges. Even though they hit both personal and business checking accounts with XXXX XXXX XXXX, the bank did not let the charge for {$1700.00} go through on the personal account, nor did they let multiple charges on the business checking account go through. They did however let a charge on the business checking account for {$7900.00} go through on XX/XX/year>. We were told by the bank after the fraud investigation that the claim was denied, and it was in fact not fraud. We disputed the denied claim twice, showing proof that the credit card company flagged it immediately as fraud. We told them this was absolutely unauthorized even though my husband was traveling in the area for work that week. We asked for them to provide proof as to why they denied our claim. They never provided proof and just told us it was not going to come back to us. We lost {$8000.00} because our bank denied this claim. I have all screenshots of our bank accounts when these charges came through and the screenshot from our credit card company the moment it happened telling us they caught it as fraud. Somehow the same bank that let this {$7900.00} charge post on our business account did not allow the same unauthorized merchant charge to go through on our personal checking that we hold at the same bank. This crushed us as a small business. To have our bank deny our claim and not provide proof to this unauthorized charge is uncalled for. We were in our local branch the morning after it happened closing all accounts thinking they had all been compromised, opening new accounts and being told by the banker that rest assured, we should expect to get any money back that posts to our accounts. We are now switching banks because we can not afford for a bank we give so much of our business to, to treat us as they did with these unauthorized charges. We tried to look up this merchant name and can't even figure out who the merchant is to call them. XXXX does no reveal a clear answer to who holds this merchant name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX To whom this may concern I am writing to dispute all address issue related to my credit report I have noticed that the address on file for me appears to be incorrect. The address currently listed is : 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 The correct address should be : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please update my records. I would appreciate it if you could confirm receipt of this request and notify me once the update has been made. 
If you need any further information or documentation to process this change, please do not hesitate to contact me XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation of the address update. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : Experian : 1. XXXX XX/XX/XXXX 2.  EXPERIAN XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I noticed a change in my credit report around XX/XX/XXXX where Navient had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under Navient ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the Sallie Mae settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by Navient XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and XXXX with no luck as they stated that Navient certified the account as if their information is accurate. I dont understand why they credit agencies determine at Navient XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
Product: Debt collection

bayarea put a neg statement to the cr bur, previous creditor XXXX never had a notice to cr bur i owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report for Account : XXXX XXXXXXXX Dear Credit Reporting agencies, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with my account : XXXX XXXXXXXX. These inaccuracies do not accurately reflect my credit history and have unjustly impacted my credit score. I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries for this account that are erroneously reported. These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the above-referenced account from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX Enclosures : [ Copy of credit report highlighting the disputed inquiries, if applicable ] Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My XXXX was hacked on XX/XX/XXXX ( 2 months ago tomorrow ). I woke up the next day and tried to get my XXXX account back. The hackers manipulated my XXXX search and provided me a phone number to call. I spent approximately XXXX XXXX XXXX hours talking to them that day. They were calling me from TD Bank 's XXXX XXXX number having me send XXXX and buy gift cards to try to save my money. Then I decided to drive to the bank and when I got there I found out I was never actually speaking to anybody at TD Bank. I had a police report filled out and provided it to the bank. And since then they have done nothing. I have not received any of my money back. It seems as if they have now locked me out of my account so I can't give you the exact amount. It is close to {$1000.00}. I am the XXXX XXXX XXXXXXXX XXXX  and need my money back.