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

On XX/XX/2021. I sent multiple letters to TRANSUNION, requesting further information ( 15 U.S. Code 1692g-violation ) on a my XXXX XXXXXXXX account ending in XXXX being reported on my credit as a Charge-off. Report only shown on my TRANSUNION account, FCRA ) ( 15 U.S.C. 1681. I requested an investigation to be done of this inaccurate information " Charge off, XXXX XXXX ". I informed TRANSUION, that is account was not a charge, I also sent copies of my receipts which shows XXXX XXXXXXXX account ending in XXXX was paid in full. Therefore, I am not understanding which such information came from and my XXXX XXXX account type was labeled as a Charged Off. I never missed any payment on this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following account be removed from my credit file : Account to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$3800.00}
Product: Credit reporting or other personal consumer reports

The company responded by mail and did not provide the correct information.
Product: Mortgage

On XX/XX/XXXX, I had applied to HSBC Bank via XXXX XXXX XXXX <XXXX> mortgage loan XXXX for a cash out refinance loan on one of my investment properties located at XXXX XXXX XXXX, XXXX , FL XXXX . By XX/XX/XXXX, I was told that the file was sent to underwriting and the appraisal was ordered. However, as the mortgage went through underwriting, the bank decided that based on its overlays, that it could not underwrite the mortgage, as their overlays, which were not disclosed upfront, called for them to exclude the use of rental income on those properties that are not listed on a person 's tax statements for two years for verification of income. In my particular case, I only started acquiring properties as of XX/XX/XXXX, resulting in a lack of rental history for those houses on my taxes. This is contrary to XXXX   XXXX XXXX typical guidelines, which call for using 75 % of forecasted net revenue toward calculating income/losses. Other banks have subsequently been willing to underwrite mortgages for me for new acquisitions and refinancing. I'd brought this to the attention of HSBC, and Mrs. XXXX XXXX supervisor, XXXX XXXX XXXX, Mortgage Direct | Sales Manager, XXXX  | HSBC Bank USA, N. A., XXXX XXXX XXXX, XXXX, NY XXXX, NMLS ID # XXXX, Office : ( XXXX ) XXXX, Mobile : ( XXXX ) XXXX, XXXX had stated he'd be willing to review my file again, but has gone silent without any conclusive outcome. As of XX/XX/XXXX, he said, " I will review the file, to see what occurred here, and respond to you by Wednesday ( tomorrow ). '' On XX/XX/XXXX, he stated, " Just to update you, I have a few questions about the file after reviewing it that I asked the underwriter about, so will revert back when he does to me. '' I'd followed up with him as recently as XX/XX/XXXX, asking for a status update, and have yet to receive a response. I believe that a thorough proper review of my finances, which have two XXXX 's holding a total of 7 houses, along with currently six properties under my personal name, and other small items adjusted that were brought to HSBC 's attention, such as my accountant mistakenly listing 365 days of fair market use for the two houses I'd acquired rather than the actual 120 days ( approximately ), and using the 75 % of net income from leases, the loan in question could had been cash out refinanced. Perhaps not for the full 75 % LTV I'd requested, but most certainly at some percentage. I'd asked HSBC to offer relief in one of three ways : 1 ) Refund my appraisal fee ; 2 ) transfer my appraisal to another bank willing to underwrite the loan for me at no cost ; or 3 ) HSBC to review my file and offer to underwrite the mortgage at a LTV that's fair and accurate and works for both parties. They haven't offered relief in any of those three ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, Transunion and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Transunion has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both Transunion and XXXX are in gross violation of my rights as they have continually done in the past.
Product: Credit reporting or other personal consumer reports

It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 4863 XXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX  Please see attached Identity Theft Report
Product: Credit reporting

I am including documents showing my current credit scores, according to XXXX XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at Trans Union today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of Trans Union, the one used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. Trans Union complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including Experian also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at XXXX according to their representatives over the phone, but the error only appears at the F.I.C.O. version of Trans Union as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. Trans Union match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
Product: Student loan

In 2017, I realized I was in the wrong repayment plan, I had spoke with Fed loan to get on the right repayment plan and they told me I needed to consolidate my loans in order to get in the program. I just found out that my prior eligible employment won't count because this was prior to consolidation. All of my loans were direct subsidized and unsubsidized and did not need to be consolidated. I lost six years of eligible work and payments.
Product: Debt collection

I had terrible service and experience with XXXX when I lived in AZ. Many times I wish I could have to cancelled this service and change providers however XXXX had a contract with the renting complex where I lived. Personally I feel that was leverage for the company to not provide better service. When the time came for me to move, I immediately cancelled my service and was advised that I can the return cable box with the front leasing office to pick up from UPS ( which I did ). I do not have the cable box or subsequent service with XXXX. I am so frustrated because many times I paid for service when it was not working with XXXX, and when they tried to charge me for not returning the box or returning it late, I would not pay it out of principle for their poor service. There should be many calls/complaints on record of my experience with XXXX. I would like to have this off my credit report asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Request to Update Personal Information I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Date of XXXX : The date on my credit report, XXXX, is no right. I request that my real birth is XX/XX/XXXX, be updated completely. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social security Number Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit card

I had an emergency last year and I left the country around XX/XX/year>. I missed XXXX  months of payments because my app didn't work back home in XXXX. 
Moving forward I came back to the States and found out that they closed the account and they charged me a lot of interest. I made all the payments on time and they keep charging me every month too much without using the card. I made my calculation and it's like {$4000.00} interest money I want to ask if it's possible to get my money back please because I worked very hard for it and I need it to pay for my school and help with my living expenses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my credit score dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher

credit score signifies lower risk to lenders and better loan terms. This situation constitutes a v
iolation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damag

es and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} million settlement over similar issues. These actions by Experian constitute " Fals
e Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - Steelman v. Experian - Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA.

- Bailey v. Experian : Bailey 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA. 

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX. XXXX or in the Experian App. Do to the sight and app not functioning properly!
Product: Payday loan, title loan, personal loan, or advance loan

I was never contacted in any way of paying the end balance. Whenever I realized that they werent charging my bank I made full payment of the account to pay off the small amount. but because of issues with the banks they have put XXXX late payments on my report. I have always been on time with them and have always paid up loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX XXXXXXXX XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX  fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

The Creditor has falsely documented our credit report saying Chapter XXXX when that is wrong to multiply Chapter XXXX to account closed in collections to charge off and write off amount to a whole new amount claiming original balance plus interested for there accounting errors. We believe that they wanted to mess us over and have tried by falsely documenting the account they have also stated that they were not notified of the Chapter XXXX which is wrong they were notified and had received payment refused to work with us and continued to falsely document open a new trade line and tried to get us for the full amount after they took the car and sold without providing the sold notice. The account should be closed with us owing them nothing as this is a huge error on there end and should be resolved with out costing us for there mistake. Please help with this as they have cost us enough. They want us to settle with making payments for something that is not right as you can see from the attached credit reports they are all over the board and not lining up with correct information. We ask that you make them remove the errors and show account closed as many of these reports show errors and have account closed they can not nor should they report errors like this and get away with it. They were fully communicated with and did whatever they wanted. They should have to remove all the errors and leave the account closed and in good standing for there mistake to us. Please help we are not in agreement with what they have done to us. The attachments are of my husbands but it is a joint account so it affects us both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed chapter XXXX bankruptcy on XX/XX/2012. The statute of limitations in California is 7 years. It has been 9 years and 8 months and Transunion still report this bankruptcy.
Product: Money transfer, virtual currency, or money service

I used the Square App for payment for my XXXX XXXX cookies sales. They said no fee until you reach {$1000.00}. I have spoke to someone the first time I saw the fees. They said oh we have applied the code you will not get any fees. I am now emailing XXXX and still getting fees. they refuse to give me a number to call and said they can remove the fee, now XXXX has told me again that they have applied this code. XXXX XXXX   cookie season is only a month and we are done. so we have paid out over {$50.00} in fee that they refuse to credit back to me account.
Product: Credit card

Every time a make a large payment on this account, the creditor lowers my credit line down to the new balance, which negatively affects my credit score because it appears that I am at or above my credit limit! I'm diligently working on improving my score. However this company is negatively affecting my score when I am paying them down to get them paid off. Especially when they can just close the account if they don't want me as a customer. When I contacted them to do just that, close the account, they refused and said they couldn't close it until I paid it off!! What creditor doesn't allow you to close an account, with or without a balance!! Closing the account doesn't change the fact that I am obligated to pay the balance down to XXXX! I don't use the account, I simply want to close it and continue paying it off as agreed! How can a company hold you hostage to an account where they unjustly negatively affect your score at their will! I WANT THIS ACCOUNT CLOSED! I've never experienced a creditor not closing an account at the consumers request! They should want me to close the account if they feel there is a reason to keep lowering my available credit every time I make a payment! I am being negatively impacted by this one creditor who refuses to close an account at my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card payment want let settle do I can remove it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Across XXXX accounts, there are XXXX late payments on each account for a total of XXXX late payments being reported on my credit report which are incorrect. The first was reported in XXXX of XXXX and the last was reported in XXXX of XXXX. Since my loan repayment began back in early XXXX, Ive had my account set to automatic payments to avoid any confusion or missed payments. Yet, here I am. Suffering the consequences of reporting that I would call unjust and inaccurate. Despite my many efforts to get in contact with XXXX ( my original loan servicer ) for answers and to try and rectify these errors, I was never given any reason or even any communication in response to my many certified letters. My countless disputes with the credit reporting agencies concerning the incorrect information have continuously been overlooked and all communicative efforts abandoned on their end. I have asked many times via certified letters for the error to be rectified or the account removed completely. I am not sure what else I can do, as these errors have cost me tens of thousands over the years and continue to leave restrictions on my life and financial well-being. It has made it difficult to obtain various types of credit as well as favorable interest rates. And, while I do not think its an accurate portrayal of my credit worthiness or ability to pay my debts, I am unsure of what I can do to rectify this situation. I am here asking for help with removing these late payments so that I can resume my life without the burdens associated to their negative repercussions. If the late payments can not be rectified, I at the very least ask that the accounts be removed from my credit report entirely.