23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2011 XXXX XXXX XXXX signed a reaffirmation agreement for the mortgage on the XXXX XXXX XXXX XXXX. XXXX Ohio XXXX with XXXX XXXX  XXXX XXXX, as XXXX. The new agreement listed a balance of {$46000.00} with a new interest rate of 5.25 %. from $ XXXX@ 7.37 % this document was filed and entered in Federal court on XX/XX/2011 Docket XXXX see ( Exhibit A ). Per Bank of Americas own loan history, the bank never applied the reaffirmation agreements new terms to the old loan as agreed in court. Bank of America kept sending statements listing the old payment and balance see ( Exhibit XXXX  loan History and XXXX  monthly statements ) at that time this was a XXXX violation of the confirmed bankruptcy plan because the cram down debt listed on the monthly statements had been XXXX per the plan. See ( XXXX XXXX Claims of the confirmed Plan )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Kindly take immediate steps to eliminate the unauthorized inquiries from my credit report, as they were not sanctioned by me and are causing considerable distress.
Product: Mortgage

While my payments were being deducted from my bank account the first of every month SLS doubled my contractual payment to correct errors of SLS. 
I have not missed any payments but SLS took my XX/XX/XXXX payment and did not give me credit for it causing my account to remain delinquent for over a year ruining my credit. Why to cover illegal inaccurate spreads of escrow shortage of funds in their possession. SLS ' failed to file insurance claims to correct their errors which and refused to honor my request that a Stay be placed on any/all account activity until SLS corrected said errors in handle my escrow. Said failure has resulted in one and a half years both financial and emotional abuse due to errors of SLS and failure refusal to correct them in a timely manner, which must end now, in XXXX of XXXX. 

SLS doubled my monthly payment to correct errors of miss calculating my escrow, refunding excess escrow, reducing my monthly payment {$660.00} for 10 months, everyone knows 10 x {$660.00} is {$66000.00}, but SLS insisted I had a {$19000.00} escrow shortage and refused to produce escrow bills paid to demonstrate said claimed shortage. To prevent my home from going to foreclosure due to said increase/unaffordable payment I suggested the funds be taken from my principal account instead. For the next 100 days SLS slowed removed over {$9000.00} from my principal account to reduce said shortage down to over {$10000.00}. SLS changed my payment in XXXX, XXXX, XXXX and XXXX of XXXX for said illegal changes in payments and took my XXXX payment without me missing a payment causing my account to be one month delinquent for over a year ruining my credit. 
Since SLS discovered said errors in XXXX of XXXX they have been destroying our lives both financially and emotionally and it must end now,
Product: Credit reporting or other personal consumer reports

Heres a draft complaint letter you can use : -- - [ Your Full Name ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Phone Number ] [ Your Email Address ] Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : Complaint Regarding Failure to Update Name and Provide Confirmation First Progress Correspondence Dear CFPB, I am writing to file a formal complaint against First Progress regarding their failure to update my name and provide confirmation reflecting the corrected information, despite my repeated requests. 

I contacted First Progress on [ insert date ( XXXX ) ] to update my name in their records and ensure accurate reporting to the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). I provided all required documentation, including my government-issued ID, lease agreement, and utility bill, to verify my identity and address. However, my requests have been ignored, and I have not received any confirmation that my information has been updated. 

This lack of responsiveness is unprofessional and has caused significant inconvenience, as the incorrect name continues to appear on my credit reports. It does not take 30 days to process a name update when proper documentation has been provided. 

I request the CFPBs assistance in resolving this issue promptly. Specifically, I am asking for : 1. First Progress to update my name across their systems immediately.

2. A confirmation letter from First Progress reflecting the updated name on my documents.

3. Assurance that the correct name is being reported to all three credit reporting agencies. 



Enclosed are copies of my documentation : A copy of my drivers license. 

My lease agreement. 

A utility bill from XXXX XXXX. 


I trust that the CFPB will ensure First Progress complies with its obligations and resolves this matter efficiently. 

Thank you for your attention to this issue. Please feel free to contact me at [ your phone number or email address ] if additional information is required. 

Sincerely, XXXX XXXX XXXX -- - You can customize this letter and submit it online or mail it along with the supporting documents. Let me know if youd like further assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, ALLY FINANCIAL, INC Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I attempted to open a loan acount with Marcus Golman Sachs and was denied due to an active savings account that I have no knowledge of. I contacted the bank by hone who confirmed that there was an account and provided me with necessary steps to close the account.
Product: Money transfer, virtual currency, or money service

I am filing 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 procr was unfair and deceptive, 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a levy notice last year from my bank that Midland Funding had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted Midland Funding. They informed me that they had purchased the debt from XXXX XXXX for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with Midland Funding last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Credit Reporting Company, When viewing my TransUnion Credit Profile today, Sunday, XX/XX/XXXX, under " Account Summary, '' TransUnion reports one ( 1 ) Delinquent Account. I reviewed my TransUnion Credit Profile to find one ( 1 ) Delinquent Account and zero ( 0 ) of the Accounts on my TransUnion Credit Profile show a " Delinquent '' Status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife and I, after all this world Pandemic, went to XXXX XXXX and purchased a timeshare through a company called XXXX XXXX XXXX. 
They were asking for XXXX dllrs down-payment and since we didn't have that they offered us to apply for 2 separate Barclay 's RCI credit cards on the total amount of XXXX, XXXX dollars. 
My wife got approved for XXXX and I got approved for XXXX. 
We were told no late fees and no interest for one year.

2 weeks after we came back to XXXX XXXX CA, where we live, they charged our credit cards for the XXXX dollars but they needed us to activate the cards. 
So we called Barclay 's RCI, activated the cards, I verified there were no late fees or interest and that was confirmed to my wife and I. 
My first payment to them ( Barclay 's ) was suppose to be on XXXX, but I realized when I tried to log in into my Barclay 's account, there were 2 charges, one for a late fee of XXXX dllrs, and one for purchase interest for XXXX dllrs, I have tried calling and asking to get this fixed. 
XXXX XXXX ( XXXX XXXX ) said they can't do anything because all they did was provide me with the form and they sent the application to Barclay 's with my socials security and my wife 's social security and all the other personal info, they said they can't talk to Barclay 's because I'm the account holder not them but they assured me AGAIN AND AGAIN THAT THERE SHOULDN'T BE ANY FEES OF ANY KIND FOR THE FIRST YEAR. 
My wife does not work, she got let go during the Pandemic. 
I've already tried talking to everyone. 
I wan na pay what's fair and what was said and agreed to to my wife and I.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DOE AIDV XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I filed two disputes with XXXX. XXXX  failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.
Product: Credit reporting or other personal consumer reports

*Disclaimer* I do not acknowledge ownership of this debt*! The account in question -- XXXX  XXXX XXXX  Account number XXXX reports a balance of {$3100.00} and is marked as a charge-off. However, this company is continually re-aging the account and adding XXXX payments. The most recent alleged payment is shown as occurring in XX/XX/XXXX, which is impossible as I have no access to or ability to make payments on this account. A simple investigation will reveal that this payment did not come from me and I highly doubt that the fraudster would come back years later and randomly make a payment. That only leaves one option, which is that the bank is re-aging the debt through inaccurate reporting.

I request that this account be deleted from my credit report immediately as it has surpassed the 7-year mark from delinquency. The last actual activity on this account is reported as having taken place was XXXX. Therefore, it qualifies for removal. It is unfair and illegal for me to be penalized for over XXXX  years for an account that was opened nefariously in my name. 

I have been patient in waiting for this account to age off my report, and the practice of re-aging debt is both illegal and immoral. I urge the CFPB to take immediate action to ensure this account is removed from my credit report.
Product: Money transfer, virtual currency, or money service

I recieved a 1099-G saying that I needed to pay taxes on {$6000.00} ( unemployment money ). However, I never recieved this money. Bank of America realized there had been some fruad on my account and therefore they began to dispute the charges. All the charges have been disputed and I have been credited for the amount. However, Bank of America does not work in conjunction with the state of Nevada 's unempoyment anymore. They said they need to mail out a check because they can not issue me a debit card for the reason in the last sentence. I requested the first check ( {$2500.00} ) on XX/XX/22 and the check never arrived. We went ahead and cancelled the first check on XX/XX/22. On XX/XX/22 I requested a new check to be sent out again. This check never arrived either and we cancelled this check. We then sent another request for the check to be sent out again but to my parents address. This check request was submitted on XX/XX/22 and it still has not arrived!! I called on XX/XX/22 and they informed me that the rest of the {$6000.00} has been disputed and asked where I wanted this check ( {$3500.00} ) to be sent to and I replied to my parents home ( XXXX XXXX XXXX, XXXX, NY, XXXX ). They mention that the check could take up to 45 days to arrive so I nderstnad that the second check may not have arrived because it is still in that window. However, the check for {$2500.00} should have been mailed to me back in XXXX! I have made 3 attempts to get the money in which I paid taxes and all 3 times I have failed to recieve anything. 

XXXX, I can be contacted here if you need anything more.
Product: Debt collection

Resurgent/LVNV Funding is reporting inaccurate information to the credit bureaus. 

I believe this information is erroneous for the following reasons : I have never incurred a debt with this company. 
I have no record of receiving any communication from LV regarding this alleged debt. 
Upon contacting LV to dispute this, I was unable to obtain any validation of the debt. 

This inaccurate reporting has adversely affected my credit score, which in turn has caused me difficulty in obtaining credit and has led to higher interest rates on existing accounts. This is not only unfair but also contrary to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require accurate and fair reporting of credit information. 

In an effort to resolve this matter, I have taken the following steps : Disputed the incorrect information with the credit bureaus. XX/XX/year> Contacted Resurgent/LVNV Funding directly to request validation of the debt. 

However, despite these efforts, the incorrect information remains on my credit report. I am therefore seeking the CFPB 's assistance to rectify this situation. I request the CFPB to : Investigate the reporting practices of Resurgent/LVNV Funding, LLC. 
Mandate the removal of the inaccurate information from my credit report since the information can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/2021 2. FIFTH THIRD XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am totally frustrated to no end trying to find out what kind of information Equifax provided to the XXXX XXXX XXXX XXXX in a credit report XXXX XX/XX/2020 ) that has a direct impact to increase a higher than expected interest rate for my new auto loan. 

I called Equifax today I spoke to XXXX who received sufficient information to verify who I was but I had to use the restroom so he gave me a phone number to call him back. 

After I called back Equifax used automatic voice type of questioning to no end not an agent questioning many many more multiple questions about my past credit enough to be able to answer correctly but continue non stopped until it seem to set you up to eventually not be able to remember as far back anymore. 

I was hen told to send them by mail a copy of my social security card and license. Bottom line people have enough stress to be given a run around to correct bad reporting. There should be no record of bankruptcy no collections no derogatory record on my credit report and I have excellent credit with XXXX all my creditors and all my utilities when I applied for a new auto loan in XXXX XXXX when it could have been as low as XXXX. If any bad reporting went to the XXXX the report it must be updated so that I can appeal with the XXXX interest loan for my new vehicle to lower the interest rate to what it could have been saving thousands of dollars. XXXX said if Equifax is willing to update they will give an opportunity to correct the interest through after an updated new Equifax report doing a new application but the car must have less than XXXX mileage right now it has approximately XXXX miles,.
Product: Prepaid card

On XX/XX/year> I had the opportunity to check my bank account that is associated for my unemployment claims through XXXX  XXXX. I notified the bank than after was required to write a statement and mail it. The claim was denied for the unauthorized transaction totaling to {$4600.00} with timing and recent card transaction that lead to a denial by Money Network. I am appealing the claim with stronger evidence including receipts and a police report for these unauthorized charges. These transactions have occurred in XXXX  during the time I had taken a summer vacation that started in XXXX. These places include XXXX, XXXX, XXXX  and XXXX  XXXX, where my wife was unfortunately hospitalized in XXXX in which I will provide the documents as well as my other bank transactions that show transactions while traveling. I am providing receipts to show the places I have stayed while traveling abroad which includes the months XXXX, XXXX, XXXX, and XXXX. I also provided a police report with case number XXXX from the XXXX Police department in XXXX. I have been out of state since XX/XX/year> for vacation, hospital and emergency visits, and for my employer. The card was physically with me while I was traveling and the charges that took place while I was traveling are unauthorized and done without my consent.