23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

complaint against BBVA compass for not honoring information provided in writing - refusing to cancel auto pay even with 3 days notice- constant mis information provided by the phone agents - excessive hold times and not providing reasonable and realistic to industry standards for payment options
Product: Credit card or prepaid card

Wells Fargo XXXX Executive Complaints Management Office ) has continued to conduct a proper Investigation into the incorrect credit reporting on the part of Wells Fargo. 
-- -- -- -- - For the months of XX/XX/XXXX, XX/XX/XXXX, there was NO payment 30 days late. While the payment was late ( and Wells Fargo charged a Late Fee ) it was NOT 30 days late.

-- -- -- -- -- What both ( 2 ) Executive Office Case Specialists have done in reviewing my last TWO complaints is utilize the payment DUE date. This DUE date is NOT what determines the credit reporting. The BILLING cycle does this. I have spoken to Customer service and they confirmed this. I do not understand why I have to submit 3 complaints to have this corrected.

-- -- -- -- -- - Therefore, whichever specialist receives this THIRD complaint, please do any one of the following : 1 ) Feel Free to call me direct and I will be happy to explain and count the billing days with you -- -- -- -- -- -- -- -- -- 2 ) Confirm the BILLING Dates are used to determine the credit reporting late notices ( and please ask an experienced specialist or your direct supervisor first so we can get it correct this time ) -- -- -- -- -- -- -- -- -- -- -- 3 ) Cease sending in the mail a large envelope with statements from 1 year ago to present showing the days my payments were late. I am not disputing a LATE payment. I am disputing the XXXX XXXX 30 day late credit mark Wells Fargo posted to my credit report. Everything else is irrelevant and a waste of everyone 's time. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Payment received on XX/XX/XXXX : Which according to the billing cycle of XX/XX/XXXX - XX/XX/XXXX would make the payment : 28 Days late. NOT 30 Days. Here is the confirmation which can be confirmed with my statement : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX ONLINE ACH PAYMENT XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Again, as with most Credit Card companies, BILLING CYCLES... ..BILLING CYCLES dates are reported to the Credit reporting agencies. Not the Payment Due Date. Also, I have asked Customer Service to Note my account and confirm the BILLING CYCLES determine credit reporting dates so whomever is reviewing this can go into my account and see that the customer service dept. has CONFIRMED this is how it works.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the validity of an account that has been verified by TransUnion on my credit report. Despite my repeated attempts to challenge the accuracy of this information, TransUnion has consistently upheld the verification of this account without providing sufficient evidence regarding the verification process. 
Under 15 U.S. Code 1681i section 5a, I have the right to request detailed information about how TransUnion verified the account in question, including whom they spoke to, the date of verification, and what specific information was provided. This provision explicitly states that if the information can not be verified, the account must be removed from my credit report. Below are the current accounts I am disputing that need to be removed from my credit report : XXXX XXXX Balance : {$410.00} This account was removed by another credit reporting agency which is XXXX due to identity theft and as well as Transunion needs to remove it on their end since I have provided sufficient information in this account being removed. This account is not mines and needs to be removed and blocked. I have attached the proper documentation which shows this account that has been removed from another reporting agency and as well as sufficient documentation relating to identity theft. 

XXXX XXXX XXXX Balance : {$0.00} This account needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove and block. 

XXXX XXXX XXXX XXXX These three accounts needs to be removed from my credit report as I have provided proper documentation relating to identity theft. Please remove all three accounts and block. 

XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

XXXX XXXX XXXX Please remove this account as it is relating to identity theft. Attached is the proper documentation. Please remove and block. 

I have submitted multiple disputes regarding this account to TransUnion, yet each time I have been met with the same response indicating verification without transparency regarding the verification process. As a consumer, I am entitled to clear and thorough documentation regarding the verification procedure to ensure the accuracy of the information on my credit report. 

Therefore, I demand that TransUnion rectify this situation within 10 business days of receiving this notice. This entails providing me with the requested information regarding the verification process for the disputed account or, failing that, removing the account from my credit report in accordance with the aforementioned statute. 
Failure to comply with this request within the specified timeframe will result in further action being taken to ensure my rights as a consumer are upheld. I expect prompt and decisive action on this matter and will be monitoring the progress closely. 
Please acknowledge receipt of this dispute letter and provide confirmation of the actions being taken to address this issue. 

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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX.
Product: Mortgage

XXXX XXXX XXXX  Re : Loan number XXXX CFPB Case Number XXXX XX/XX/year> I have received your response to my request to explain the large increase in my monthly mortgage payments. 

There are issues with what you presented me. 

Since XXXX hired out Dovenmuehle this past summer, my monthly mortgage payments have increased {$320.00} per month. This is means my yearly mortgage costs have increased by {$3800.00} per year. 

In DovenmuehleXXXX response to my request to explain how this is possible, Dovenmuehle offers the following : Taxes have increased from {$420.00} per month to {$480.00} per month. 
- This is an increase of {$66.00} per month, {$790.00} per year. 

Flood insurance has STAYED THE SAME Homeowners has DECREASED from {$320.00} to {$200.00} - This is a DECREASE of {$120.00} per month, {$1400.00} per year. 

These are the figures they shared with me. 

According to Dovenmuehles figures my monthly costs have DECREASED by {$58.00} per month and {$700.00} per year. 

Yet Dovenmuehle is asking me to pay an additional {$320.00} per month, an additional {$3800.00} per year. 

I am only using the information they have supplied me. This information does not seem to add up. 

I would like some help. 

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

My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, Director of XXXX Obudsman states that I disputed my XXXX Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} seventy seven dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

Hi, My complaints are I came to USA in XXXX to join my husband who is XXXX XXXX Due to Covid it took almost 2 years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they were rejected after they run my credit report though Experian and XXXX XXXX 
My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?
Product: Credit reporting or other personal consumer reports

I have already reported this information and it has been deemed inaccurate but they keep putting it back on my credit report the information is false Ive already submitted a claim once before I need this information to be removed once again. I emailed this company multiple times to close my account before the due date that I didnt want to continue and they wouldnt cancel it
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding accounts listed below that were reporting inaccurate information XXXX XXXX XXXX CARD # XXXX VERIFIED AS ACCURATE XXXX XXXX XXXX # XXXX VERIFIED AS ACCURATE XXXX XXXX XXXX XXXX XXXX AS ACCURATE XXXX XXXX # XXXX VERIFIED XXXX XXXX XXXX BANK # XXXX VERIFIED AS ACCURATE Transunion verified all accounts to be accurate However ALL XXXX listed that you verified to be accurate ALL are reporting inaccurate address that do no not belong to me so I would like to know how one can verify accuracy with a discrepancy. 
Per YOUR policy I quote You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency XXXX continue to report information it has verified as accurate. 
The following accounts that you VERIFIED to be accurate are indeed not, they are furnishing Inaccurate information and you are KNOWINGLY reporting this despite my numerous correspondence with you Inaccurate information includes and is not limited to The Fair Credit Reporting Act ( FCRA ) of 1970 defines inaccurate reporting as when creditors or credit reporting agencies ( CRAs ) provide incorrect, outdated, or incomplete information about a consumer. This includes : Identity information Incorrect name, phone number, or address Account information Wrong account statuses, incorrect balances, or accounts belonging to another person with a similar name XXXX information XXXX a debt as charged-off when it was settled or paid in full, or reporting late payments when they were paid on time
Product: Credit card

I upgraded from XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXXXXXX via their promotional offer that was provided to me in XX/XX/scrub>XXXX XXXX The offer clearly stated the first year of membership was free. The new card was shipped out to me and received on XX/XX/scrub>XXXX XXXX XXXX

On XXXX XXXX XXXX they charged my Delta Skymiles Gold AMEX card a " Renewal Membership Fee '' of {$140.00}. 

On XXXX XXXX XXXX I contact their support/chat, spoke with a supervisor, who informed me that the first year was not free, the second year was free, despite it being advertised as the first year. The supervisor refused to remove the charge and did not care that it was advertised as first year free. He was dismissive of my concerns. 

This is false advertising. I would like the charge removed as I never agreed to it and was misled by their fraudulent promotion for upgrading cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Part 2- Previous background : I applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since Freedom still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : Freedom justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and account thats not mines on my credit report XXXX XXXX XXXX thats not mines but the credit bureau XXXX refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Product: Checking or savings account

I am opening a business and I purchased some furniture form XXXX XXXX on XX/XX/XXXX had a company that advertises new furniture. The company never delivered the furniture and I filed for a dispute with my bank for the charges and they provided a provisional credit for the transaction for {$1700.00}. I had a total of three transactions on XX/XX/2020 from Mr. XXXX XXXX advertised a company online for cooling caps and products I purchased a {$180.00} worth of caps and never received them and XXXX XXXX XXXX XXXX XXXX for {$190.00} and I never received the merchandise as well that I paid for. TD Bank provided me with provisional credits and came back and took the money out of my account. I had filed a police report submitted it along with the documents to show proof that I never received anything from these companies that falsely advertise. I also requested for my claim to be reopened and they still denied my claim after receiving the information and police report. TD Bank did not protect me as a consumer or my funds. I asked them to send me proof of what the customer sent them to say that I received the merchandise or a shipping receipt someone hung up on me. I never got a report showing proof that I received anything and how did they come up with the conclusion that I got any merchandise or items from these people. It has been a battle with TD Bank and they do not work in the best interest of their customers. If a customer do not receive what they paid you have the right to file a dispute which I did. This has resulted in them taking my paycheck out of my account as well and causing a hardship in my finances. The bank is suppose to protect your funds not allow people to steal them and walk away with them. TD professionalism and they way that I have been treated is wrong they made me feel as if I was the criminal and not the victim.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a check ( scanned check included ) in the amount of {$1900.00}. The check was from an individual, XXXX XXXX XXXX XXXX ( photo ID included ), who posed as an agent from a modeling agency. The individual was in contact with my son, who was the model. The check was to be used to cover expenses during the photoshoot, i.e. photographer, makeup, wardrobe, etc. I deposited the check to my US Bank checking account and from there XXXX continued to pressure my son to XXXX funds to him. I didn't feel comfortable with sending funds, but the pressure worsened when XXXX text ( screenshots included ) my son a long explanation, assuming to get my son to trust him. After a day, I decided to XXXX XXXX {$200.00} at XXXX XXXX and {$1200.00} to XXXX XXXX on Saturday, XX/XX/year>, based on good faith as my son trusted XXXX. On XX/XX/year>, I was contacted by US Bank XXXX Department that my accounts would be closed due to suspicious activity. I was beyond stressed since XXXX has now drained all my funds to take care of my family. I reached out to US Bank to dispute the transactions, but I was declined support. Instead, my accounts were automatically closed for any reason or no reason at all ( US Bank letter included ). I made several calls to US Bank to appeal my case but I continued to be met with resistance. My account was now closed, I didn't have a means to financially support my family during that time, and I filed a police report ( case ID included ). The police informed me they would collect all the information I had but the ID XXXX used could've been stolen as well. It was a lost cause at that point. I couldn't do anything further and had to take the loss. My complaint is against US Bank for failing to provide support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$760.00} XXXX XXXXXXXXBalance {$4000.00} XXXX*Balance {$1200.00XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act this creditor has violated my rights.under 15 u s code 1681 section 602 states I have the right to privacy, 15 1681 section 604 ( a ) section 2 a consumer reporting agency can not furnish a account without written instructions Under 15 us code 1666 ( b ) a creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX  Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.