23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is an item I have disputed several times reflecting XXXX which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Product: Credit card or prepaid card

There have been some fraulent charged/scheme involved, stolen cards and unauthorized transactions on my HSBC account. I already reported to the internet law enforcement and also made a police report number XXXX. However, HSBC still did not assist me further as according the Federal State Laws as " Consumer Credit Protection Act of 1968 '' and Fair Credit Billing Act ''. That HSBC did not follow the laws and failed to deliver/provide the promised under the card disclosures.

HSBC ignored my claims and even closed my credit card and debit card without notifying me neither put closed account in writing after very late as I requested. I was treated unfairly and HSBC is definitly showing misrepresntation, misleading me and caused my damages in many ways. Because they made me feel that my rights were not covered and claimed no where I could get my card under protections by federal/state laws. So they made me admited and forced me that I had to pay for all of my fraulent unauthorized transactions.
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened file # XXXX with Transunion with XXXX XXXX ( representative ) on XXXX @ XXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which Transunion is refusing to do anything about : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I Also requested that he review the document, I mailed to him about XXXX which Transunion is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with XXXX, Transunion, and XXXX, which I've done multiple times. So XXXX, XXXX, and Transunion in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX : Account # XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  : Account # : XXXX, DEPTEDXXXX XXXX  Account # : XXXX, XXXX : Account # : XXXX, XXXX  : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX  that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the process of applying for a refinance on our home. Previously received an incorrect score from Equifax and the problem occurred again today. I previously attempted to dispute the information online at Equifax but was unable to proceed due to message " you currently have no negative information ''. I then ordered a complete credit report with a score. The credit report / score provided to me does not match score being reported to a lender. I called Equifax and spoke to representative who advised he was unable to assist me as the data he was looking at did not match what was reported to lender. 

Per report provided to lender on XX/XX/2021 Equifax score was XXXX Per report provided to lender on XX/XX/2021 Equifax score was XXXX. 
Unable to dispute online as there is no negative information on the file Credit score received directly from Equifax on XX/XX/2021 is XXXX I have documentation for all of the above.
Product: Mortgage

On XX/XX/XXXX, Td Bank and I agreed to fixed Rate option interest rate on outstanding heloc of $ XXXX 4.99 % for XXXX. But instead charge me a higher rate of 6.89 % On XXXX XXXX, XXXX, a XXXX agreement was entered into between Td Bank and I to fix the same $ XXXX 4.99 % for XXXX yrs. 

On XX/XX/XXXX Td Bank fixed my entire balance of {$410.00}, XXXX 6.89 % ( this includes the {$260000.00}. 

The higher interest rate on of 6.89 % ( as oppose to 4.99 % ) is costing me over {$500.00} more per month in interest payments.
Product: Checking or savings account

-XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, XXXX XXXX  , 3 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost document. 

-XX/XX/XXXX Notice from XXXX  report about new bank account open at People  united bank : open on XX/XX/2019 and notify call center about the issue. 

-XX/XX/XXXX Verify ID at Peoples united bank XXXX Branch XXXX XXXX XXXX XXXX, NY, USA XXXX . XXXX XXXX bank representative verified my ID and told me That now account was closed and have {$45.00} fee left. Then he contacted Fraud department and recommend me to disputed on XXXX   report. 

-XX/XX/XXXX Dispute to XXXX report . 

-XX/XX/XXXX Visit XXXX XXXX  precinct police officer demand letter and proof of victim of identy theft to make police report. Call the bank representative. Then i call Customer service, she give me address to send the dispute letter. 

-XX/XX/XXXX Send the disputed letter.
Product: Debt collection

i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$530.00}
Product: Mortgage

On XX/XX/XXXX we contacted Intelliloan in XXXX XXXX and spoke to a XXXX XXXX XXXX XXXX phone XXXX in regards to refinancing and existing home loan.We had originally spoke with a local mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX XXXX that we had a {$66000.00} debt we owed from a charged off HELOC.which was subsequently sold to XXXX XXXX XXXX.Her underwriter could not include this amount in the refinance unless it was paid first, as it was showing no payment history since the debt collection company, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX no history of payment since they bought the loan As we had already paid the {$500.00} appraisal, it was REFUNDED to us, as she could not do the loan and the appraisal was not done.At that moment we did not have the funds to do that so we tried Intelliloan, In speaking to XXXX XXXX.I explained the situation and at that time he assured me that he could do the refinance.After paying {$470.00} for the appraisal, XXXX XXXX notified us that his underwriters also could not include it, after promising he could.So at that time onXXXX we mutually cancelled since he broke his promise After contacting friends and family, were able to get enough funds to pay the {$66000.00} and went back to our original mortgage person XXXX at XXXX XXXX XXXX.She contacted Intelliloan to have the Appraisal transferred to her to use and they refused.I feel this was a bait and switch, as they wont return my phone calls as well.At this point I would for the appraisal to be transferred to XXXX to use for my current loan approval or a refund of the {$470.00} appraisal fee, as I feel XXXX should have researched our problem more thouroughly before saying he could do the loan.We feel that this is just bad business done by a large company that does not care.Our initial mortgage brokerXXXX XXXX XXXX, told us to wait until Intelliloan approved the loan before paying for the appraisal but we were told that it needed to be paid prior, which we did and then after paying it on XX/XX/XXXX XXXX XXXX told us that the loan wasnt going to work without the {$66000.00} being paid first.We feel that XXXX XXXX should have made sure we were fully qualified for the loan before he said he could do it and that since he did not we should either get the appraisal released or have our {$470.00} apraisal fee refunded.
Product: Credit reporting or other personal consumer reports

Letter from XXXX XXXX dated XX/XX/XXXX : Experian reported : serious delinquency, lack of recent information on installment accounts, and number of accounts delinquent. 

Keep in mind that I filed for bankruptcy on XX/XX/XXXX, and as of XX/XX/XXXX, the case is closed, and all payments were made as agreed. Keep in mind when I filed, my XXXX  score was XXXX, and XXXX XXXX XXXX told me I had to make a total of {$370.00} on the XXXX credit cards I had with them, which was impossible without failing to pay other creditors, I filed XXXX  XXXX. I talked with my attorney, advised that they could do this type of scandalous activity. XXXX  XXXX XXXX would not accept any other payments. 

The problem is Experian fails to keep correct information on my credit report, unlike XXXX and XXXX ; my score is in the XXXX and Experian 's XXXX, and I was denied credit because of their failure to keep accurate records. I just applied for a credit card and was accepted through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.
Product: Debt collection

I was contacted by National Recovery agency regarding a debt in the amount {$1500.00} that I had no knowledge of. When I asked them to validate the debt they refused to do so by mail, but rather stated it was mine. Once I was informed of the address I told them that was a previous address for my ex spouse. Even though I have informed them this is not my debt, they repeatedly send emails to try to collect. They have now placed in on my credit to add insult to injury.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I cosigned on an auto loan through Nissan Motor Acceptance Corporation. I was told that, all on time payments would be reported to XXXX, XXXX and XXXX, and would appear on my credit report and the business credit report that was FALSE. Nissan Motor Acceptance Corporation has failed to report my current auto loan payment history as required and promised. I sent Nissan a letter on XX/XX/2023, in reference to this matter. Nissan failed to respond. 
On XX/XX/2023, I called Nissan customer service spoke with XXXX, explained that my monthly auto payments weren't being reported. XXXX stated he would file a dispute on my behalf, and someone would follow up. 
On XX/XX/2023, I received a call from Nissan account supervisor, XXXX XXXX. XXXX stated he was following up with the dispute filed by XXXX on my behalf about my payments not being reported. XXXX then stated, Nissan Motor Acceptance Corportation never furnish consumers personal or business auto loan payment history to the credit bureaus. 
On XX/XX/2023, I sent a certified letter to Nissan asking them to report my payment history to XXXX, XXXX, and XXXX. 
On XX/XX/2023, Nissan sent me a letter stating, " FOR YOUR INFORMATION NMAC DOES NOT REPORT CREDIT INFORMATION ON BUSINESS ENTITIES TO THE CREDIT BUREAUS. WE ARE THUS UNABLE TO FULFILL YOUR REQUEST.
Product: Mortgage

When my loan closed with Franklin Loan XXXX in XX/XX/2020, they collected 3 months of hazard insurance {$100.00} x 3 = {$310.00} and 4 months of Property Taxes {$530.00} x 4 = {$2100.00}. which would be a total of {$2400.00}. My loan was sold to XXXX Mortgage in XXXX before the 1st payment was due. When I received the Notice of Servicing Transfer letter from XXXX Mortgage, it indicated my escrow balance was {$1900.00}? therefore, I am owed the difference of what was collected vs what the amount in the escrow account was, amount due to me is {$510.00}. ( See attached settlement stmt ). 

At the time of closing {$3200.00} was wired to Franklin Loan XXXX to be held to pay to the 1st half taxes. When XXXX Mortgage paid the 1st, half taxes they used the funds in the impound account, which has now caused an escrow shortage. XXXX Mortgage has indicated they did not receive the {$3200.00} that was being held for the 1st half taxes and it also appears they were shorted the amount that was being held for the impound account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that Transunion and XXXX go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that Transunion preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. TransUion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by TransUinon and XXXX. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.
Product: Vehicle loan or lease

I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed.

When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). 

I have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. 

Despite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. 


I urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to " paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. 

Thank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. 

Sincerely,