23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder. 

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices.

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXXOPPLNS XXXX If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX  XXXX Bankruptcy Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. I did NOT APPLY for this company. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Checking or savings account

I withdrew from an ATM on Sunday, XXXX XXXX The transaction was {$160.00}, plus {$2.00} in withdrawal fees charged by Chime. Because I was distracted, I took too long to take my money from the ATM, and the ATM took the money back and rejected the transaction. I called Chime, and they said that I had to wait until the transaction cleared, and then file a dispute. I did that, and they denied my dispute XXXX times, even after I explained to XXXX different people exactly what happened, as well as provided the name and contact info for the bank. I don't believe they actually called the bank to verify that the money was taken back. It makes no sense as to why my dispute would be denied. After the XXXX time I reopened my case, I could tell they didn't bother reinvestigating, because I got a rejection letter as soon as I got off the phone with the agent who re-opened ( allegedly ) my case. This is absolutely ridiculous and unprofessional.
Product: Debt collection

This is about XXXX XXXX trying to collect on a debt of {$630.00} that has been paid. XXXX XXXX is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/XXXX. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from XXXX XXXX and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to Capital one for XXXX was being collected by the law firm of XXXX XXXX XXXX  XXXX. I paid XXXX XXXX XXXX XXXX in full the {$400.00} I owed Capital one. The paid XXXX XXXX is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed XXXX  a copy of the paid in full letter from XXXX XXXX XXXX XXXX and XXXX XXXX stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX in the fraud department at Transunion. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.
Product: Mortgage

My mortgage loan was sold to LoanCare ( http : //www.loancareservicing.com ) in XXXX, which I did not request or approve. Although, according to their customer support specialists, a welcome letter and XXXX loan request letters were sent and several calls were claimed to be called, I did not receive any of the letters or calls since I moved to a new place and traveled a lot for new job. Even though I set up a mail forwarding service, I did not receive any of the mails so far. The records of phone calls, according to your customer support specialists, can not be found in their system. 

I was totally unaware of this transaction until last week, my credit score dropped from XXXX to XXXX, when I was applying for another loan for a new house. My morgate loan was sold to LoanCare, but my auto-payment information was not associcated with this transcation, so my loan was past due for the past 3 months. This is not an intentional behavior ( and you should be blamed for this ) so I should n't be punished by such dramatic decrease of credit scores, which almost ruined my life. 

Once I recognized that there is overdue payment, I contacted LoanCare right away and paid those due payments but not the any of the late fee. However, the credit report entry, which has significantly impact to my credit score, was still posted. I do n't know how should I dispute this late payment. I tried really hard to build my credit score for the past five years.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on Credit Report
Product: Debt collection

lvnv funding, llc answer back to me in this portal on XXXX XXXX that they was deleting the inaccurate account from my credit report back in XXXX this has hurt me, i have been depress and sick by not getting approve for anything with these alleged debts that i dont owe. I am requesting that LVNV funding, llc honour their word and delete the accounts from my credit report. I have attached the letter below This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( Debt Collector Name ). 
Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING, LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.
Product: Debt collection

Starting on XX/XX/2021 I received a phone call that the number popped up as unknown. Left a voicemail ( Never stating my personal name or what they are calling about ) stating they are Wakefield & Associates and to call them back at XXXX. Phone number after voicemail was received states the phone number they called from is XXXX. The same thing happened again on XX/XX/XXXX, and XX/XX/2021. 

I have also received phone calls that show up as spam risk/unknown at first and then after the missed call it states the number is XXXX as well on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 with no voicemail. 

To date ( XXXX ) I have never received anything in the mail from " Wakefield & Associates '' stating what they are contacting me about. Since they never leave information about what they are calling about or not receiving a written letter about what they are contacting about, I will not answer the phone calls or call them back personally since I don't know if it is a scam or what they will do with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. 

I have filed a police report, provided them with the police report and they removed it from my XXXX  report and placed it back on.
Product: Credit reporting or other personal consumer reports

i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT BELOW FOR FTC REPORT
Product: Mortgage

On XX/XX/2021, I purchased a condo on the beach in Delaware with cash from the sale of a commercial property in XXXX and cash from my XXXX XXXX account. I had to use about {$260000.00} in margin from my XXXX account. Seller insisted purchase must be in cash. 

On or about XX/XX/2021, Rocket Mortgage began to process my delayed financing of {$330000.00} ; XXXX year fixed rate mortgage. I made it clear that the cash out would be used to cover the margin. They offered {$320000.00} cash out, for a {$330000.00} mortgage. 

On XX/XX/2021 I was told by Rocket Mortgage ( XXXX XXXX bank ) that, because the master insurance plan was shared between the condo ( HOA ) and the adjoining XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, they would NOT approve a 30 year fixed rate mortgage. The mortgage would have to be a 10 year XXXX and I would need to pay {$4900.00}, which could be financed as part of the mortgage. The new offer was a {$330000.00} mortgage with {$320000.00} cash out 10 year ARM. 

On XX/XX/2021, I was told that the mortgage could NOT be used to cover margin. The implication is that XXXX XXXX Bank wanted me to maintain XXXX {$300000.00} high rate margin. Seems absurd they would move me to a riskier 10 year ARM and demand that I keep my margin. 

My XXXX XXXX is XXXX.
Product: Prepaid card

From XXXX XXXX to this point XXXX XXXX XXXX the system at Rushcard has been unavailable. Causing funds to be unaccessable. They said the system would be up and running by XXXX on XXXX XXXX and it is not and there has been no update from the company. Also their customer service number disconnect all calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ).

The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Product: Mortgage

I have been trying to get a loan modification for two years. Wells Fargo asks repeatedly for documents, often copies of documents I 've already sent them. I did n't know they were n't supposed to be able to ask me to fax them the same documents over and over again until I got a XXXX and she told me that. She personally faxed them a bunch of financial documents for me, and now WF tells me they need me to fax them those documents that my XXXX recently sent. I do n't know what 's wrong with WF and their document management system, but they give every appearance of incompetence.
Product: Credit reporting or other personal consumer reports

Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

We had a Pottery Barn credit card with Pottery Barn, sometime within the last 12 months the card was changed to a Capital One credit card. We made a charge of {$23.00} on it XX/XX/XXXX. We never received a statement in the mail or by email. We did receive a late notice payment I believe on XX/XX/XXXX or XXXX by email. The statement closing date we found out later when we received the statements was XXXX We called on the XXXX of XXXX and told the customer service person that we had never received any statements and requested she send them. Which we received about 2 weeks later.She advised the amount of the original charge {$23.00} and i told her I would send the payment that day from my XXXX XXXX XXXX online payment which would hit Capital one 's account the next day. She told me the only way she could write off the past due fee and interest of {$23.00} is if i paid with a debit card or ACH bank account transfer. 
I told her I don't give that information out over the phone. She said in that case we would have to call back to get the charges reversed after the payment posted. We called XX/XX/XXXX and Capital one refused to reverse the fees of {$23.00}. 

The reason for the delay in calling them is we wanted to wait for the next statement which was issued XX/XX/XXXX. 
In addition they charged another {$40.00} fee after we had made the payment for the XXXX purchase.
Product: Bank account or service

I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.
Product: Credit reporting or other personal consumer reports

I am submitting supporting documents Transunion and XXXX and XXXX claim the document was not valid. This is in fact an affidavit of truth submitted and officially with ftc.gov and the report number is listed. 
The XXXX, transunion and XXXX data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX XXXX I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue litigation. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently : Disputed Account : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXXXXXX