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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. 

I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. 

The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. 

The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. 

Please register my complaint and contact me. 


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

I received emails from Experian starting XXXX, that showed re-inserted or reappearing accounts on my credit report that were DELETED several months ago between XX/XX/2019-XX/XX/2019. Their were two accounts by XXXX XXXX XX/XX/XXXX & one account by XXXX XXXX XXXX XXXX that was Deleted. Experian has for some reason decided to re-insert these accounts onto my credit report without legal justification. Please help see to it that these accounts are removed or I will pursue a legal suit against Experian. Experian is in violation of the Fair Credit Reporting Act under Section 611. Thank you.
Product: Mortgage

Lakeview Mortgage and their subservicer XXXX XXXX do not provide an amortization schedule through their web portal. This prevents paperless customers from monitoring the progress of their loan and scheduling additional principle payments.
Product: Money transfer, virtual currency, or money service

Company : Coinbase XXXX : XXXX On XXXX XXXX, XXXX at XXXX XXXX XXXX I sold XXXX units of XXXX on the coinbase exchange for {$480.00} after fees. Transaction code # XXXX shows completed on their website yet the funds were not received. Payment method chosen was XXXX internal USD Wallet. Coinbase states that funds from sales will be available within minutes of a sale. As of this filing the proceeds from the sale have not been received. 

I filed a case with Coinbase Support, Case # XXXX, at XXXX XXXX XXXX on the same evening. I have yet to receive a response or acknowledgement of the issue from their customer support as of the filing of this complaint. 

Just to be clear, this is money never received from the sale of the coin within the coinbase system. There were no funds ever sent to any external addresses.
Product: Money transfer, virtual currency, or money service

They deducted amount from my bank account inspite of wrong recipient details and the fact that the transaction was cancelled. 
They told me that they will refund within 24 to 48 hours which they didn't. I didn't received back the funds. They are now telling 10 business days. I have my whole emi due which because of remitly wrong conduct and fraud has been bounced. They have the recording too of the supervisor promising me that money will be reflected within 24 to 48 hours
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX  is reporting inaccurate. ( FCRA ) state that all account information needs to be 100 % accurate. Equifax said my account was accurate and verified. I will provide proof of equifax ( FCRA ) violation. Account ending in XXXX XXXX XXXX  first delinquency date is not XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Mortgage

I applied for mortgage assistance with XXXX on XX/XX/XXXX. During that time, I sent all of the needed information to XXXX and was told that during the modification process I would not have to pay mortgage and that it would not be reported to the credit bureau, but ultimately it was reported, and I was denied mortgage assistance because my ex-husband did not send in HIS paperwork, which I was not aware of. I called XXXX at least twice a week and would speak to someone different in the modifications department every time. I would get contradicting answers as to what was needed on my behalf. One week I would call and be told that all is good, we have everything needed. The next week would be a completely different response. I was told multiple times that the person in charge of my modification, XXXX XXXX, would call me back to discuss everything with me, but he never called me. I was the one calling XXXX every week, I don't recall anyone calling me. 

Today, XX/XX/XXXX at XXXX XXXX, I called XXXX and spoke to XXXX and let him know my situation. I told him that I was wanting to see if there was any way that I can get the derogatory marks off of my credit since I did pay the past due amount ( s ) that were owed ( {$4500.00} ) between XX/XX/XXXX and XX/XX/XXXX. He told me several times that he did not see that I paid the above amount, so we went back and forth a couple of times and I told him that I am seeing that amount taken out of my account on the dates above ( XX/XX/XXXX, XX/XX/XXXX ). I then asked to speak to a supervisor and was transferred. I let the supervisor ( I can not remember his name ) know my situation and he told me that I was correct and that I did not need to make monthly payments due because I was going through the modification process. He also stated that the that derogatory marks should not have been sent to the credit bureau. He told me that he was filing a complaint against the modifications department at XXXX for their inconsistencies and then he told me that in order to help get the derogatory remarks removed, that I needed to contact the CFPB and file a complaint against XXXX.
Product: Payday loan, title loan, or personal loan

I got a {$1400.00} loan From Better Day Loans come to find out later they are charging me interest rate of 775.73 % Massachusetts has laws rules on loans no higher than 20 % APR. I have Reached out several times to Better Day Loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it's the FTC Act grants the FTC authority to regulate arms of XXXX XXXX, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a XXXX XXXX. Lender its not above the law in Massachusetts this loan was deceptive and I feel I was taken advantage of. Please Find documents attached
Product: Credit card or prepaid card

Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. 

Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. 

In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. 

Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. 

Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balanced {$86.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$62.00} XXXX XXXX XXXX Balanced {$170.00} XXXX  XXXX Balanced {$0.00}
Product: Vehicle loan or lease

During my period of unemployment, I contacted a my financial counselor for assistance with revising my household budget during my period of unemployment, the counselor and I contacted ACA on three different occasions ( XX/XX/XXXX, XXXX and XXXX ) with requests for a lower monthly payment arrangement based on my lower monthly household income. Each time, we were told that the company 's policy do not consider, refinance or re-structure of loans and I would have to send them {$1000.00} or pay all past due payments ( 3 months ) including late fees before my loan can be considered for a work-out which included adding the missed payments ( {$1300.00} plus late fees ) to the back of the loan, further increasing the loan balance to {$17000.00} while my car holds a current book value of {$4500.00}. Then they would reduce the monthly payments only for XXXX, XXXX and XX/XX/2021 by 25 % from {$440.00} to {$330.00}. I was also advised by one of the representatives at ACA that I should consider borrowing the {$1000.00} to send to ACA to bring my account current, only then would I be considered for a " work out '' plan. I thought that was very bad advice and showed an unwillingness to acknowledge my serious financial position as a single father with XXXX children XXXX and XXXX years old. During my conversation with ACA on the XXXX, I was assured that the company has no interest in repossessing my car since I need it for going to and from work. However, following the call on XX/XX/XXXX I received two notices by text and email that my car has been placed for re-possession. I do not know where else to turn for help in this pandemic, so I'm filing this complaint because ACA shows an inability to consider my ongoing financial hardship but instead increasing my liability and pushing me closer to bankruptcy or homelessness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Concern Regarding Missing Information on Credit Report Equifax XXXX XXXX Dear CFPB, I am writing to raise a concern regarding the credit reporting practices of Equifax. The notation of XXXX XXXX XXXX ( XXXX  XXXX ) on my credit report for certain accounts this year. Upon reviewing my report, It clearly shows that the creditor is not reporting information to Equifax. 
I understand that credit bureaus rely on creditors to provide data, the absence of information on my Equifax report creates inconsistencies across my credit profiles with the XXXX major bureaus ( Equifax, XXXX, and XXXX ). These inconsistencies can negatively impact my creditworthiness and financial opportunities. 

I respectfully request that the CFPB : Investigate the policies governing how credit bureaus like Equifax handle accounts with missing information due to a lack of creditor reporting. 
Clarify consumer rights and recourse in cases where missing or incomplete information affects credit reports and scores unverified account needs to be removed. 

This situation highlights the need for a fair and transparent credit reporting system that ensures consumers are not penalized. I believe the XXXX XXXX  leadership in this matter can significantly improve the accuracy and reliability of credit reporting for all consumers. 

I appreciate your attention to this important issue and look forward to your response. 

Sincerely, CFPB PLEASE ASK EQUIFAX WHAT ADDRESS IS LINKED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT LINKED TO IT.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with santander on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated
Product: Debt collection

XX/XX/2024 I woke up to money out my XXXX  account a total of {$800.00}. I never be served any paperwork or court orders. I called the collection company and politely ask them Will you verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise will you please remove from my credit?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal credit account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at THE XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), and auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charged-off account on my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt has been canceled and reported as taxable income on my IRS Form 1099-C, which I received from the creditor. Since the IRS considers this debt as forgiven and settled, it should no longer be reported on my credit report. 
Legal Basis for My Dispute According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since a 1099-C indicates debt cancellation, continuing to report this account with a balance is inaccurate and may be a violation of the law. 
Furthermore, income is not reported on credit reports, and because this debt was canceled and reported as taxable income on my federal tax return, it should not be reflected on my credit report. This inaccurate information must be removed immediately. 
Requested Action I am requesting that you update my credit report as follows : 1. Ensure that no income-related information appears on my credit report, as income is not reported by credit bureaus.

Supporting Documents Enclosed I have enclosed the following documents as proof of the cancellation : Copy of the 1099-C issued by the creditor Deadline for Response Under the FCRA 15 U.S.C. 1681i, you are required to investigate and respond within 30 days. If you fail to correct this inaccurate reporting, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please confirm the correction in writing and send me an updated copy of my credit report reflecting these changes. You may contact me at the information provided above if you need any further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Transunion today, Tuesday XX/XX/XXXX. I spoke to two representative that would not assist in identifying the incorrect inquiry information that has been on my report since 2019 until the present. The representatives were not helpful and reluctant to forward me to a supervisor that may be more capable of assisting. 

My Business account was compromised and they would not assist. 

The inquiries are incorrect on my report and they failed to assist.
Product: Debt collection

This company I looked up on the internet XXXX XXXX said I have a debt with them that I do not have. They have sold information more than once to third party collection agencies for quite awhile. I do not owe the debt and it has been taken off my credit reports more than once. This is fraud and I do not owe the debt. I do not want any more letters from a 3rd party collection agencies. This debt debt has been passed around from once 3rd party to the next for example from XXXX XXXX XXXX to Halstead. Now I have another bottom feeder Halsted Financial Services contacting with letters. This is not my debt. I have contacted my attorney again about this issue and bring suit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report.

Accounts to be Blocked and Deleted : 1. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Ive contracted XXXX and utilized saving, XXXX and credit cards to make credit obligations however I have exhausted. Ive had numerous accounts with Affirm with a excellent pay history but need assistance. For the past 3 weeks, Ive tried 2 - 3 times a day to request payment assistance but your website will not complete the request. Affirm have a web page to assist Affirm customers with payment options that are Covid impacted. 
Several friends have tried also and your website does not complete. If there aret any options in assisting customers, your impacted website is deceptive and misleading. If Affirm have no intention on assisting customers, it should not be on the website.