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

In reference to complaint XXXX with Transunion. I would like a reinvestigation because I am in disagreement with the account listed below. Transunion updated the results as to no changes. This account still appears on my credit report as 30 days late on XX/XX/2022. I was in fact on time and the inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX- ACCOUNT # XXXX Transunion failed to provide proof detailing that I was late. My credit report should have only accurate information. I also attached my car loan statement proving that the payment was made on time. Please reinvestigate this matter and update the late payment as paid on time immediately. 
Thank you
Product: Credit card or prepaid card

On our PayPal account, we have realized the primary email address was changed without our authorization to a name we have no idea who it is. The communication for an order placed using PayPal did not come to my email address which is why we looked at account to find this horrific finding. 

Even though we can log on and can see things, we can not change the primary email address. It says to call PayPal. We have tried calling every number available and the lines keep saying their customer service lines are very busy and we should go the message center and hit HELP and it will be faster. 

We have done this and it says they will respond in a few hours, and nothing happens : no text or email - which if they are emailing - this fictitious email address is receiving the communication! We tried again and same thing - nothing. 

We can't get through and we can't close account.
Product: Credit card or prepaid card

Last week I made a phone call to the fraudulent department for target and got a hold with one of the representative. He explained me to go to a site to report this store credit card. I got hit in my credit score with this name call TD BANK USA/TARGET C. The guy is sending me a letter to sign and send back.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX, XXXX XXXX, and XXXX XXXX provide me with documentation justifying them reporting late payments on my credit report. In turn they did not provide this information and Equifax and XXXX continue to report inaccurate late payments that are causing negative affects to my credit report and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the nationwide impacts of the coronavirus ( COVID-19 ). I was greatly affected as a XXXX XXXX XXXX. I received one XXXX stimulus check and have not been allowed in occupied units since XXXX. Tranunion credit reporting was suppose to reverse the dispute with the Corona ( natural disaster ) relief. XXXX also refused to apply XXXX will continue to work out deferred payment agreements with residential and commercial customers who are falling behind on their bills. Please call XXXX XXXX XXXX XXXX to request one. 
XXXX will not be disconnecting services to customers. This applies to both residential and commercial customers. 
XXXX will not be assessing late fees to customer accounts. 
XXXX will not require deposits from customer accounts seeking to reconnect services previously disconnected for nonpayment. 
XXXX will waive credit card, debit card and retail payment processing fees.
Product: Mortgage

I am a homeowner with a mortgage held by M & T Bank. I have a wife and a one year-old daughter with another baby due on XXXX day. 

For the entire year of XXXX  I have been trying to reason with what I now consider to be a predatory lending institution know as M & T Bank to reduce my mortgage payments so that I can keep a roof over my family 's heads while still being able to pay the rest of my bills and provide clothes, food, etc. 

As you may have noticed, the economy has been in rough shape and my particular industry, which is mortgage finance, has been in an especially precarious position. 

M & T Bank has been rude, unaccommodating, and unhelpful in this process. Having worked in mortgage finance for years, I can say with confidence that I have never encountered a mortgage lender that refuses to eliminate the cushion on an escrow account in an economic hardship situation. 

This is precisely what M & T has done and continued to do. 

On XX/XX/year>, I wrote to the CEO of M & T Bank, XXXX XXXX, after spending hours on the phone with other staff at the bank to no avail. I received no response from XXXX XXXX. 

On XX/XX/year>, I sent a followup email. Again, XXXX XXXX did not respond. 

I guess his time is too valuable and important to deal with such matters. I am a desperate and scared father with a XXXX  child under XXXX years on the way in just about two months, and I feel as though M & T is holding me hostage. I feel as though M & T Bank is preying on my family and me, that they have absolutely no concern for the well-being of their borrowers, and that they feel they can get away with this abuse because I am not financially equipped to do anything about it. 

I work full-time, I have two remote jobs, and I am constantly working in my free time to grow a bit of side income to make ends meet, but it never seems to be enough to keep up with the rising costs of living and my mortgage lender, M & T Bank , doesn't care at all. 

This is a predatory lending institution and I feel they must be held accountable. My heart breaks to think of all of the young families who have lost their homes because they were not the type to stand up and speak out, as I am, about M & T Bank 's heartless and soulless relationship with its borrowers. 

Thank you so much for your time and concern.
Product: Credit card or prepaid card

I purchased a heat pump from XXXX XXXX XXXX on XX/XX/2021 for {$2800.00} that arrived damaged. I followed the company 's process for reporting that damage and they indicated they would issue a refund. They did not issue a refund and I contacted Capital One. Capital One issued a temporary credit and asked for the merchant to respond. The merchant provided a response saying that the item was not damaged, however in their own response they show documentation that the product was delivered damaged. 

Capital One rebelled and asked me to respond with documentation supporting my claim. I provided 17 pages of documentation showing that the product was delivered damaged, showed the conversation with the company where they show it was delivered damaged and said they would issue a refund, along with other documentation. Within a single day Capital One denied the claim saying I did not provide information. 

I received a damaged item. I followed their process for reporting this. I followed Capital One 's process for disputing. My agreement with Capital One clearly shows that I have protects for these things. Supposedly the protect against such things, not only with basic protection but also insurance against this type of thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021, found LexisNexis ( LN ) report was inaccurate. While working on corrections, it was suggested that I utilize their " opting out '' process which only resulted in LexisNexis refusal to provide me with a copy of my own file for the past year and also never notifying me if the corrections were made. In fact the first time I asked for corrections, my file which had been 10 pages then became 40 pages with more errors. LN falsely reporting that my son is female and that his email XXXX At no time did LN ever state or write that opting out/suppressing would result in me no longer being allowed to review my information and now being told that my identity can not be authenticated after having been authenticated on numerous occasions in 2021.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They called XXXX XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ MERCHANTS CREDIT GUIDE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Transunion in reference to XXXX XXXX account showing in charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX  and Equifax. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ine ccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inqiures : XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX   XXXX XXXX please remove this because the date of last activity is inaccorect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U S C 1681 Section 602 A States I have 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.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX a charge was made by a merchant in the amount of {$730.00} by using deceit and misrepresentation. The merchant promised to deliver a pair of sunglasses that were brand new from the store and failed to fulfill the promise by contacting me the following day stating they had a brand new pair in their store. As per conversation with the saleswoman they are to mail me a new pair direct from the manufacturer. After contacting chase credit card and disputing the charge, the merchant misinformed Chase stating I walked away with a new pair of sunglasses therefore denying my dispute. This is false because I never received the product nor did I walk away with the merchandise. Chase did nothing to help to protect me as their customer and stated there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries to my credit i dont recognize XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX 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 Transunion 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: Vehicle loan or lease

In XXXX XXXX I was involved in a consumer credit transaction with Exeter finance. As I'm going through my truth in lending disclosures I notice it says there was a finance charge involved in the consumer credit transaction. A finance charge is the SUM OF ALL CHARGES and does not include charges of a type payable in a comparable cash transaction. You will see in my contract that there is a down payment of {$1500.00}. During my consumer credit transaction, Exeter asked me to put down more money so my monthly payments would be less than what they are. In actuality, there should be no monthly payments because I used my credit card for this transaction. There was also no insurance provided in my finance charge which is a violation of 15 USC 1611 and 15 USC 1605. No one stated clearly and conspicuously what my finance charge covered and did not clearly and conspicuously disclose my right to recission or provided me with the appropriate forms. During my consumer credit transaction, I never received adequate notice. I am demanding to be reimbursed for my down payment and that I be paid by check double the finance charge. I was never given the opportunity to opt out for this transaction to not be reported to a consumer reporting agency
Product: Debt collection

I paid off the balance on a closed account. The account was paid in full on XX/XX/XXXX. There was a fee added to the account on XX/XX/XXXX. I received NO NOTIFICATION at all about the fee. I had no idea the fee had been added. I received no statement alerts, no phone calls, and no paper notifications. In fact, prior to the payment in full, the account had been set up on auto-pay. Again, I received no notification the auto-pay had been removed. Without notification of the additional fee, I did not pay the XXXX fee, because I didn't know it existed. On Sunday, XX/XX/XXXX, I received an email alert from XXXX notifying me that the account had been changed to 30 days late. I was SHOCKED. This is the first notification of the balance that I had received. I immediately logged in and paid the account in full. I called Capital One to discuss the account. I was told that yes, in fact, the email communications show as FAILED on their end. In other words, they KNEW that their communication was not going through. The issue was on their side. I haven't even received notification that my payment made on XX/XX/XXXX was successfully received. I was told this was my fault and the credit reporting will stand. How can I pay a debt or disput a debt when I don't even know it exists? Capital One had my mailing address, phone number and correct email address. They never attempted to even collect this debt. NO COMMUNICATION FROM CAPITAL ONE AT ALL REGARDING THIS DEBT. I had no idea the debt existed on a CLOSED ACCOUNT that was PAID IN FULL according to the last statement I received.
Product: Credit card

I asked for a credit line increase and is was denied. Best Buy credit card services canceled my credit card ( and that was fine ) and then charged me a annual fee of {$59.00} + intrest {$2.00} after the credit card was canceled.
Product: Mortgage

I purchased my home on XX/XX/XXXX with a 5 % down conventional loan. I made my first payment on XX/XX/XXXX and have never been late or missed a payment. On XX/XX/XXXX I requested, in writing, removal of PMI. I received a message on XX/XX/XXXX from my loan servicer, United Wholesale Mortgage, that I could pay an estimated fee for an appraisal or BPO and Loan to Value needs to be at 75 %. I replied on XX/XX/XXXX asking for more information as to how they are able to require a 75 % XXXX under the Homeowner Protection Act and clarity on the payment for the appraisal and BPO. I have not received any response.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes to delete an remove all inaccurate information that is hindering my file with experian. this has been a issue that ive addressed an seen no update or results. alot of items are invalid an not accurate on all 3 credit files. please review an remove the listed items to correct my report asap of the items in question asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.
Product: Checking or savings account

I was charged many fees from 2013 until recently I asked for fees to be waived recently and they are cooperating with I ask to speak with the supervisor. But many fees I would like to be waived as well from 2013 until the present
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an extension on my auto loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. XXXX  XXXX XXXX XXXX gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. XXXX  XXXX XXXX XXXX then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with XXXX XXXX and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have filed a dispute several times on Experian for a debt that has been paid. It still remains on my credit report to this day.