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

Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX  and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to Covid, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with Comenity have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the accuracy of the information on my credit report as provided by TransUnion. After a thorough review of my credit report, it has come to my attention that there are several inaccuracies that have not been addressed despite repeated attempts to rectify the situation. Under 15 USC 1681 S2 Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How is this LAST DAY ACTIVE different from what the other bureaus are reporting If transunion is getting the same information from the same source? Transunion has it reporting as XX/XX/XXXX BUT XXXX is reporting XX/XX/XXXX? both bureaus cant be right.
Product: Debt collection

LVNV is reporting a debt on my credit report, XXXX and XXXX, this company, LVNV, has not validated this debt as per my request and as per fdcpa, they are in violation of FCRA and subject to a XXXX fine.
Product: Credit reporting or other personal consumer reports

Inaccurate account information reporting to Equifax
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 remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX Account # : XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 an account without my written instructions
Product: Debt collection

In XX/XX/XXXX a judgment was filed against me in the amount of 3700+. In XX/XX/XXXX, I received a notice from XXXX XXXX that the amount from court order was for 4000+. I had called Midland and they said it was for the XXXX amount rather than the amount that was on the court order for 3700+. I had also informed them that due to only having social security benefits as income I could pay $ XXXX/mo in the form of a money order. They refused saying it had to be by check. On XX/XX/XXXX I received a notice from my son 's bank that they had frozen his checking account due to a citation to discover assets and that there was a court date on XX/XX/XXXX. When I checked the court docket in XXXX county, it appears that there were notices and motions filed in XXXX that I was never made aware of. I believe that XXXX XXXX for XXXX XXXX has broken a couple of federal laws in the federal debt collection practices by 1. going after my son 's checking account which only had his payroll directly deposited and 2. by falsifying  the dollar amount on the citation to discover assets as it did not match the court order.
Product: Debt collection

I am getting ready to purchase a home and wanted to ensure my already excellent credit rating was still where it was so I can get the best interest rate when applying for the mortgage. After reviewing my credit I notice choice recovery was reporting a debt on my credit report. I have reached out to them but no response and they are still on my credit.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information. the CFPB has recently filed a lawsuit against experian
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$58.00} Late/Open XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have been in an ongoing dispute with Ally Financial concerning an end of lease charge for tire wear wherein Ally showed referenced the wrong vehicle on their website, etc.. Once bringing the matter to their attention, mysteriously, the website was no longer available for viewing. Since it is like speaking or dealing with robots we settled this matter for {$410.00}  on the condition that the charge would not be recorded on my credit report. This week I had a credit report pulled and low and behold Ally shows the {$410.00} as a charge off as a bad dept rather than settlement as agreed together which is infuriating. Ally has lied continuously throughout this process so would hope the CFPB would reprimand this thieving organization accordingly, thanks ... .. BTW the account is Ally Financial Account # XXXX
Product: Credit card or prepaid card

Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.
Product: Credit card

Ensuring timely payments on this account has always been my priority, never allowing them to be overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. This should be rectified as per 15 USC 1666b - Billing Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and CITI Cards/CITIBANK ran an unauthorized credit inquiry on me on XX/XX/2021 I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CITI Cards/CITIBANK and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Product: Credit card or prepaid card

Starting XXXX, 2022, my Apple Card has been used for many transactions that I have not authorized. After each transaction, I have notified Goldman Sachs XXXX Apple Card support of the issues as soon as possible, generally in less than XXXX hours of the charges occurring. However, to this date, Goldman Sachs has not addressed the issue or make it stop despite multiple attempts to resolve the issue with their customer support. Some of the transactions resulted in actual merchandise being sent to my address, and I have worked with merchants directly to return all of the merchandise delivered ( receipts of all shipments attached to the complaint and also provided to Goldman Sachs through various interactions with their support ). To add insult to the injury, Goldman Sachs occasionally mails documentation for these transactions that are clearly signed by someone else than me ( XXXX such example attached to the complaint ), yet they refuse to give credit for the transaction.
Product: Mortgage

I have encountered several significant issues that I believe violate my consumer rights and the standards expected in mortgage lending.

1. Initially, the loan disclosure documents provided by NVR did not include specific charges. These were only revealed in subsequent disclosures, which has led to significant confusion and mistrust.

2. Initially, NVR agreed to allow payments towards my credit card debt. However, they later reversed this decision based on their underwriter 's advice, demanding full payment of the balance, which contradicts our initial agreement.

3. Despite multiple discussions and receiving updated disclosures, the final terms presented remained unacceptable and differed significantly from those originally discussed.

4. I was informed that I must pay XXXX prorated HOA fees. When I requested documentation to justify this, NVR overwhelmed me with documents, making it difficult to find pertinent information. They later came back and said it was not required.

5. I was also unexpectedly required to reimburse taxes that were not disclosed during the initial agreement phase.

6. The buy-down option was removed without my consent, which resulted in an increased interest rate of 6.75 %, significantly higher than the market rate and previously discussed rates.

7. Despite my decision to proceed with another lender, NVR has pressured me to sign their loan disclosure letter saying it was not force me to close with them and will give me more time than the XX/XX/XXXX. I reached out to XXXX and requested a new closing date after explaining the issue with their lender NVR homes. She told me someone in management would reach out, but that never happened. I received and email saying the closing would stay the same.

8. Necessary documents to facilitate the transition to a new lender have not been provided, with NVR suggesting that the new lender should obtain these themselves.

9. As a first-time homebuyer, I feel that NVR has taken advantage of my lack of experience and knowledge in the process, applying undue pressure and failing to provide transparent communication.

I believe these practices may violate federal consumer financial laws designed to protect consumers like myself. I request that the CFPB investigate these practices and ensure that appropriate measures are taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

Hi there, I actually completed a loan modification with IndyMac Mortgage XXXX, but shortly after my modification was approved and I started making payments, the loan was transferred over to Ocwen Loan Servicing. They did not accept the loan modification that IndyMac Mortgage XXXX has agreed on and instead raised my payment ( almost XXXX it ). I wanted to see if that was legal and if there are any options that could help me? 

XXXX XXXX
Product: Credit card or prepaid card

My debit card was used for several merchants that I didnt authorize. I contacted chime to inform of the charges and was also able to provide proof I didnt make the charges. Chime denied my dispute and also denied the dispute as well
Product: Checking or savings account

i deposited a check I received with USAA FSB. Days later, the check was fraudulently cashed a second time, so the deposit was reversed from my account. I contacted the issuing bank, XXXXXXXX XXXX, and they requested that I contact USAA bank to initiate a fraud claim, but USAA FSB claims they have no process or interest in processing a claim, so I am left with {$420.00} fraudulently being taken from my account and USAA FSB refusing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXX {$560.00} 4, XXXX XXXX XXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX  XXXX XXXX XXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 1-9, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2018 and XX/XX/2018 ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had late payments. If this information can not be verified within 30 days then I demand these payments be immediately updated to paid on time. Thank you
Product: Debt collection

Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX and XXXX  finally removed the negative accounts on my report. Unfortunately, XXXX  has been refuse to remove the accounts and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, by the way, there are multiple accounts, all with the above mentioned collection, so I am now contacting the CFPB because I need all those collection out of my credit report, they are affecting me a lot.
Product: Debt collection

LVNV Funding Corporate Service Company XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for LVNV Funding From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX, or any other corporation, is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Credit card

When applying for a credit card backed by Comenity Bank, they sent me a letter requesting that I send them a copy of my Driver 's License, Social Security Card, and W-2 or 1099 form to prove my identity and finish processing my application. I did not provide this information because I was concerned it would expose me to identity theft.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt.

Validation Letter sent to : Credit Acceptance Corporation Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I visited XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. On my way to the airport to come home, I left my backpack in the back of the hotel-offered shuttle. The shuttle had already left when I realized my backpack was gone. I was standing at the front of the airport when a man dressed in a security airport uniform approached me and told me I needed to go back to the hotel to track the hotel shuttle that had my backpack. I got into the unmaked shuttle with him and a driver to head back. The hotel was approx 15 miles from the airport. We didn't even make it to the airport and the man told me he found the shuttle and we returned to the airport where it would meet us. We drove for less than half an hour altogether, there and back to the airport. I got my backpack back and was told that ride to find the shuttle would cost {$140.00}. I thought that was an outrageous price but agreed. He took out his XXXX and showed me the {$140.00} total and manually typed my card in. I signed for the {$140.00} and he did not offer me a receipt. The whole thing felt organized and sketchy and I felt very unsafe riding in an unknown shuttle with two strange men. I came home and realized this guy had charged me {$1400.00}. Not the agreed-upon {$140.00}. I disputed this with chase bank. At first, they agreed with my dispute and then went back on that decision. I then sent them a notarized letter I will include here after they disputed my dispute. They are not helping me resolve this and taking the side of the scammers. Why would I pay XXXX for a 15-minute shuttle ride? They are not telling me why they are not approving my dispute. They are ignoring me when I ask for an explanation. I was honest about the {$140.00} and was willing to pay that. This is a known scam in XXXX and Chase bank is not supporting one of their customers who has been loyal for years and always paid their account on time. Instead, they are assisting well-known scams occurring in XXXX. I would never agree to a {$1400.00} shuttle ride and for whatever reason Chase doesn't understand that. I am an older honest woman who is being taken advantage of.