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

I am formally disputing the inaccurate late payment information reported by XXXX XXXX XXXX on my TransUnion credit report. Despite my previous dispute, TransUnion has verified the account as reported without providing sufficient documentation or proper validation from the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable investigation, including a verification process that requires the data furnisher to provide documented proof of the alleged late payment. To date, I have not received such evidence. Simply confirming the information with the creditor is not a sufficient investigation under the law. 

I am requesting the following : Proper validation TransUnion must obtain and provide documented evidence from XXXX XXXX XXXX showing clear proof of my payment history, including the specific date of the alleged late payment and how it was reported. 
Deletion of the late payment If the data furnisher can not provide adequate documentation, TransUnion must remove this inaccurate information from my credit file as required by FCRA regulations. 
Compliance with FCRA guidelines Failure to conduct a thorough and reasonable investigation may result in further action, including a formal complaint to the FTC and legal action for non-compliance. 
Please consider this a formal demand for a reinvestigation under FCRA guidelines. I expect a response within the legally required timeframe of 30 days, along with any supporting documents used in your verification process. 

Thank you for your prompt attention to this matter. Please provide your response in writing at your earliest convenience.
Product: Credit card

I believe the account is invalid. Transworld System Inc. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Transworld System Inc. XXXX
Product: Consumer Loan

I called the company Navient to get a payoff amount of a loan. They forced me to make a {$90.00} payment to keep it from going to collections, which was odd because I was calling for a pay off. I let them do an automatic withdraw for the {$90.00}. Our deposit cleared the bank, and like I said, I sent a payoff check. I did not know they had done a second, unauthorized withdraw for the amount of the loan, {$5200.00}. Our account is now severely overdrawn because they illegally stole money they were told no too. The bank is attempting to fix the mess they caused. They have tied up pay checks and made it impossible to cover weekly bills. They need to return the money they stole, pay all the fees we will have and pay for the inconvenience they have caused!
Product: Vehicle loan or lease

I bought a used car, a XXXX XXXX XXXX, VIN # XXXX, that I financed through Ally Auto Finance. I was involved in an accident in XXXX of XXXX in which the car was basically totaled. The insurance company settled with the finance company ( Ally ). In XXXX of XXXX, I received a letter from Ally ( copy attached ) in which they stated that they sold the car for more than what I owed on it and that I was entitled to a refund of the surplus in the amount of {$11000.00}. The letter was dated XX/XX/XXXX. I waited several weeks but did not receive the excess funds as promised in the letter. I made several phone calls to the company and was given the complete runaround - put on hold for hours, transferred back and forth among various agents, but no one could or would give me an answer as to when I would receive the funds promised in the letter dated XX/XX/XXXX. In XXXX XXXX, I sent a certified letter to Ally demanding payment as promised. It has been over a month since I sent the letter and I still have neither received the funds or so much as a response to my inquiries. I am a single mother who has been significantly impacted by the Covid pandemic financially, and I desperately need the money I am owed.
Product: Debt collection

Someone used my personal information to obtain a XXXX  XXXX credit card. XXXX  XXXX issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to Midland Credit Management. Midland Credit Management is now pursuing collection from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and there is XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.
Product: Credit card

XX/XX/2023, Im on the phone with Barclays ( XXXX ) XXXX I was asked on a recorded line by 20 different representatives about the same address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 


Im a victim of identity theft and my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX her address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX her phone number ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.
Product: Vehicle loan or lease

Company Repossessed vehicle at XXXX for being 68 days behind after payment for XXXX was scheduled on XX/XX/2023 and payment was processed on XXXX XXXX. Making installment loan only 56 days behind in loan agreement it states that the company allows 90 to 120 days / 3 consecutive months of late payments before repossession is filed. My vehicle was repossessed at 68 days. On XX/XX/XXXX, I called the company to set up a deferment and was told I would have to make another payment of {$800.00} to set up the deferment plan. Later in the conversation, the agent told me being that I had just made a payment that I was not in the process of my vehicle being repossessed because that took care of XXXX payment making only 2 months behind at the time of the call. The agent told me to call back on that follow Monday and see if the payment had been processed. I told the agent that I had just started a new job and I would be able to make another payment in two weeks when I was paid again. The agent proceeded to tell me that she would put in the notes to put a hold on the account. Two weeks later on XXXX  night XX/XX/2023 I logged in to make a new payment and was locked out. I thought the system had a error going on or something and the next morning my vehicle was unlawfully repossessed. I was not consecutively behind three months at the time of the repossession and I had already spoken with an agent about doing a deferment and was denied because my last payment was still processing. My account was occurring as late since XXXX online and was never updated making it seem as if I was over so many days behind and I wasnt. This was never updated even after I made 5 payments afterwards. After my vehicle was repossessed I spoke with a Supervisor at XXXX XXXX  on XXXX  XX/XX/2023 and this is where I discussed the details of my situation with him and was told that I would a receive a call back from him on Monday XX/XX/XXXX by noon I never received the called so I called back and was told by another agent/manager at XXXX and was told he would not connect me to another supervisor or manager. The agent refused to listen to my situation fully to understand the matter of my call and told me he would not transfer me over to someone else because he wasnt going to change his answer. I filed a complaint on XX/XX/2023 for a wrongful repossession and was told I would be contacted within 24 hours after the case. I have called to speak with a representative about my case Everyday and several times and I have not heard anything back from them. I am experiencing emotional distress from this situation and it is very unfortunate and unlawful what has happened. The agents continue to tell me Im three months behind until I tell them to look at my payment history and then they still try to argue with me even with receipts that my car payment is behind 3 months when its not. I have the the days calculated and the payment statements to prove my claim. since XXXX my payments have been made and I have attached pictures for proof. This company file repossession for my vehicle even after I made payment and picked my car up two weeks later after making payment.
Product: Mortgage

We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is one of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a XXXX kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser ( XXXX XXXX ) return to the home ( it was in construction during initial appraisal, ) to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an XXXX. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by one of the most relable, accurate appraisors in the area as per XXXX . XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XX/XX/XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XX/XX/XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time
Product: Vehicle loan or lease

i believe i was a victim of Hyundai miss reporting on my credit with unfair, deceptive and abusive acts or practices and violating that affected my ability to obtain more credit and my info was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, XXXX and Equifax dispute letters. The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date.

This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year>XXXX XXXX
Product: Checking or savings account

In XXXX me and my family was in vacation from XXXX XXXX. My checking account with XXXX got charge around amount of {$1300.00}, I called them and stop the payment. Then the PayPal put that transaction unauthorized to my PayPay checking account. Looks like my PayPal account was used fraudulently for this charge, which was originally limited to my XXXX bank. I contacted XXXX XXXX and advised them that I did not order or receive the item. They said to contact my bank and open dispute. I contacted again PayPal and told them they can not put unauthorized transaction to my PayPay checking account that I never used for. They rejected my fraud dispute and XXXX XXXX as well. Now I am receiving collections call for that charge that I never authorized. I need help to resolve this issue with PayPal and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are been violated by credit bureau they are reporting inaccurate information violating my rights to privacy also they are furnishing accounts without any permission after I told them that this was fraudulent activity I have attached my identity theft form on the bottom please help me remove these immediately thank you so so much 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: Credit reporting, credit repair services, or other personal consumer reports

I was at a XXXX store in XXXX Florida in XXXX and was buying some items. The salesperson asked if I had or wanted a XXXX credit card. I said I used to have XXXX. Her response was that they could reinstate the account. I said that is fine as long as it doesnt involve a hard pull on my credit as I did not want my credit pulled. She replied that there would be no pull. I asked her XXXX additional times before agreeing and she said there would be no credit pull or inquiry to reinstate that old account. Later that day I received an alert that XXXX pulled my credit, hard inquiry. I did not give permission to do this and called XXXX credit. After being transferred around I was told that the inquiry would be removed and I would get a deletion letter. It has now been over 90 days and I have received nothing. I have attempted to call them back multiple times, have held as long as XXXX minutes until their system disconnected me. I contacted the credit bureaus and they said I had to call XXXX. I explained that I have multiple times, so they suggested I reach out to you. I didnt authorize this credit pull and was verbally told 3 times that no hard inquiry would be done. This is an unauthorized pull of my credit and I want it off of my report.
Product: Vehicle loan or lease

) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!