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

I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

You're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report. You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get rissolve. I am demanding you remove these late payments from my credit report within XXXX hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments. 


XXXX late payments XXXX collections XXXX XXXX charge off XXXXCharge off XXXXCharge Off
Product: Checking or savings account

I have money in my Paypal account of {$270.00}. The website is not letting me transfer or request a check of my money. There are no holds on my account. Customer service is useless.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time.

Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected.

Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.
Product: Debt collection

I had an account show up for service I have not received. The debt is allegedly from 2021, however, I had XXXX XXXX that year.
Product: Credit card or prepaid card

In XXXX, when I received my Bank of America XXXX credit card statement, I noticed over XXXX dollars in credit card charges that were not mine or my business partners. I contacted the credit card immediately. They asked me if I had the card and I told them that once I saw the statement I went to look for the card and realized it was XXXX stolen ; reporting the card was no longer in my possession. The XXXX XXXX asked me the last time I remembered using the card and went over the list of charges. I identified what charges were unauthorized and fraudulent. I was assured it would be resolved and was sent a new card. I asked the agent If I should make a payment on the valid balance and she advised me that I should make the payment before the billing due date to avoid interest. 
A few days later I received my new Bank Of America XXXX XXXX card and noticed the charges were taken off. A month later in XXXX, I noticed the fraudulent charges back on my account. I called a fraud XXXX and they told me it was because I made a XXXX dollars payment after I reported fraud. I explained to her I owed that amount and was told to make that payment, but that the fraudulent charges weren't mine. She stated she understood and re-disputed the fraudulent charges. A month later, I received another letter stating I was still liable. I called and they said because I didn't report that my card was missing and the chip was used. I explained that I did report the card was missing and to in my possession. The new fraud person researched and saw that and said he would refile the dispute. I waited and was told that I was liable just because and it was final. I continued to dispute and told them they were not honoring their fraud protection guarantee and that I would not be paying the fraud charges. They said I had to. So, now I am reporting it here.
Product: Debt collection

Collection agency using broadcast email to fish for whomever it is that owes this debt. They are giving out personal information to the public which should be illegal. Either that, or this is some form of phishing scheme. Either way, it's illegal. 

Email Text : ===================================================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is January reaching out again about your overdue balance of {$250.00} for the account ending in XXXX. As a reminder, we've been hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX and the current creditor is XXXX XXXX, XXXX. 

Paying back your entire balance might feel impossible. We understand that XXXX, inflation, or a loss of income may be affecting you. If you're experiencing financial hardship, you can apply for a settlement and ask to reduce your balance.

Request Settlement Check Our FAQs All you have to do is complete a 5 minute survey describing your finances. 

We'll never charge you a fee for using our payment portal. 
Complete the process online via our secure portal. 
Over 75 % of consumers who apply qualify for a balance reduction. 
Have questions? Reply to this email and we'll respond as soon as we can. Or call us at ( XXXX ) XXXX. 

XXXX is an accredited and A rated business with the XXXX XXXX XXXX  ( XXXX  ). It is also a certified member of the XXXX and XXXX. 

Best, XXXX at January XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a XXXX XXXX, which has resulted in identity theft. Due to this XXXX, several unauthorized accounts have been reported on my credit report without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied for the XXXX XXXX  XXXX on XX/XX/XXXX and the application is still processing. I have received different answers from the WI program XXXX. US Bank has it listed on their website since XXXX but apparently they are not part of program. The WI XXXX program administer stated they have been trying to work with US Bank and she is " working on some work arounds '' but has not been clear as to what that means. This process has taken over XXXX weeks now for an emergency program that doesn't seem right. US bank served papers on XX/XX/XXXX for foreclosure and when I called them I was confused because I was in loan modification process along with the HAF application. US Bank told me to just " ignore ''. I applied for mediation and they are waiting on US Bank XXXX to respond.
Product: Credit reporting or other personal consumer reports

i have file a FTC report and these are the items that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, I have attached more information below concerning my identity theft report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following account XXXX funding XXXX {$16000.00} XXXX following address XXXX XXXX way XXXX XXXX west XXXX XXXX FL XXXX.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting by TransUnion and XXXX Dear XXXX, I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), a consumer report should not include transactions between the consumer and the person making the report. However, these agencies have included accounts that involve such transactions in my report without proper investigation, violating my rights. 

The accounts I am disputing, along with their account numbers, are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX I have contacted TransUnion and XXXX directly to request an investigation into the accuracy of these accounts, but their responses have been unsatisfactory. They have failed to provide conclusive evidence supporting the inclusion of these accounts in my report. 

This inaccurate reporting has harmed my creditworthiness and financial well-being, impacting my ability to obtain credit and secure favorable loan terms. I may even face denial of housing opportunities as a result. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervenes in this matter, ensuring that TransUnion and XXXX promptly rectify the situation. I urge the CFPB to conduct a thorough investigation, enforce penalties, and implement corrective measures to protect consumers like myself. 

Enclosed with this complaint are relevant documentation, including my consumer report, correspondence with TransUnion and XXXX, and any supporting evidence. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please contact me if any additional information is required. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I applied to refinance my truck with capital one in XX/XX/2018, I was approved and completed all the online paper work I was requested. once they had not said to me in almost a week my truck was not paid off I called in to find out thy had been calling my lender after hours to obtain a pay off and had not reached back out to me I asked them to conference call them to get it, we did and the pay off was higher than I was quoted before thus changing my monthly loan amount total of XXXX  and payments of XXXX  for the 48 months so once I was read the new info I asked for a new contract to sign, the rep said it will delay my loan so I decided against waiting and just moved fwd on it, I called in on XX/XX/XXXX spoke to a manager and he informed me they could mail me a new contact to sign right now so he did, same term of 48 months, payment was XXXX  a month amount financed total was XXXX. I get a contact in the mail for the first amount on the contract which I did not agree to. I called them to ask why I keep getting the run around and no one will give my any information I keep getting told they can change my account without sending me an updated contract I have asked multiple times I am being told no. I agreed to pay the following and only signed the following -- 48 months term, XXXX a month and XXXX total amount of payments the fact they are changing this after the fact since their rep only got a 9 day pay off and not the required 10 is a joke I as the customer have had the worst experience with this company and the entire process and no one will take accountability for this the contract has a disclaimer that I would be notified if any changes and I was not, no call, email or letter advising me the rep got the 9 day pay off not 10 days as he should have .I am being told the only document they have I e signed was for payments of XXXX no one can get me straight info
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, XXXX, and XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX.
Product: Student loan

I attended a school called XXXX. At the time i had no XXXX, XXXX diploma or nothing to that sort. They admitted me by claiming i had the relevant paper work. I left the school after only 6 weeks due to how unprofessional they were. I later found out that all the schools had been closed due to them committing fraud which included admitting students who did not have the relevant paper work. 
My credit has always been in the high XXXX to early XXXX. I have never in my life missed a payment on anything. I have only been in the country for 6 years as a permanent resident and am very vigilant and mindful in my credit. 
At the XX/XX/2017 Fed loan reported to the credit bureau that i had missed several payments. I believe they entered XXXX different types of loans and one of the payments they reported was {$1.00}! 
On my side i thought my account was still in deferment. I had also told them i had moved but im assuming the file was not updated. 
I am wondering where i stand with this. I wrote to them to get this loan discharged but have heard nothing to date. 
Are they allowed to report XXXX different entries for XXXX loan AND an amount of {$1.00}! 
They took my credit from XXXX to XXXX for a loan that i should be considered for discharge AND due to mail being sent to my old address. 
Please let me know where i stand. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX BANK XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX BANK XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} TXXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX BANK NA Account # XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Product: Debt collection

FCRA 604 Permissible purpose FCRA 609 Disclosures to consumers Fosters and Monroe LLC is not licensed in VA as a collection company.
Product: Mortgage

I was under a contract to purchase a property located at XXXX XXXX XXXX, XXXX XXXX, IL on XXXX.The lender was Liberty Home Mortgage Corporation in Ohio. Process went well, submitted all the paperwork, paid for FHA APPRAISAL of {$520.00} and Home Inspection of {$350.00}, earnest money to listing agent of {$1000.00}. I spoke to my lender 2 days prior to closing and everything was great. I received a call from the lender the day before closing which I did not have full disclosure the property taxes were {$8500.00} instead of {$3000.00}. So, the deal fell through. I am asking for my XXXX plus XXXX. I am waiting to receive my earnest money ( XXXX ) returned to me. Please advise.