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

I have mailed package XX/XX/2022 to Transunion with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Transunion to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can TransUnion have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by TransUnion due to the inaccurate information and incomplete information which I determined from TransUnion own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.
Product: Credit card

I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.
Product: Student loan

XX/XX/year> called Nelnet to gain information on {$520.00} accrued interest due when payment not due until XX/XX/year>. Why is interest accruing and monthly payments are not being applied toward this. We were not asked how we would like applied nor did we provide instruction to how the payments should be applied. Spoke to customer service person, XXXX, she placed me on hold to research and the call dropped. No return call from Nelnet.
Product: Credit card

I have paid the agreed settled account 60+ days ago and the refuge to XXXX out the account and update my credit reports
Product: Prepaid card

On XX/XX/XXXX I tried to purchase a XXXX XXXX card due to a promotion offering a bonus {$5.00} XXXX XXXX card with the purchase of a {$25.00} XXXX XXXX card. I tried to purchase several times and immediately after each purchase my order was automatically cancelled. 

Here is a list of my cancelled orders : Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD I called the XXXX customer service number listed in the order cancellation emails on XX/XX/XXXX to see if I can get unblocked from orders. They are not able to do anything and only able to tell me what is already listed in the email. 

I would like to be removed from whatever block that is preventing me from completing an order and be able to purchase a {$25.00} XXXX XXXX card whenever there is a future promotional offer.
Product: Credit reporting or other personal consumer reports

Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow up with Experian, on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days having passed, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I have sent the company certified letters asking them to send me specific information regarding the debt because the debt is not mine, I have not received any information at all. I have been waiting for a response from the company it has been over 30 days I have not received any information that I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. Transunion and Experian are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Product: Credit reporting or other personal consumer reports

I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given CitiCard notice of opt out in XXXX, XXXX and the 2nd Notice of Opt out on XX/XX/2023. CitiCard is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). This notice is in regard to CitiCard Customer name XXXX XXXX, account number XXXX. Please see the attached opt out letters and information sent to XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I went into the inside teller at a TD bank location in XXXX XXXX Florida. Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX. At around XXXX XXXX est time to make a cash deposit in the ATM machine. During that time I made a big cash deposit around XXXX $ mixed bills 100s 50s and 20s. Around XXXX est time. The machine was still processing the funds. Immediately reached out to an employees that was still in the branch. I told him the situation. He went to get another employee the employee assisted with seeing how much the machine took. I told him a rough estimate. I was going to deposit a total of {$5600.00}. The machine took between XXXX . The representative told me to pull to the window to get my information. I deposited the remaining money I had on me. He took my information told me to go into the branch in the morning to get it handled. I was informed if the atm is over during the morning they would know whos account the money belongs to and it would be taken care of. I am opening this case now to be safe if the issue is not resolved. Multiple cameras including the ATM have me on video. So it should not be complicated to credit my account. Poor quality machine hindering my opportunity to pay my bills.
Product: Credit reporting or other personal consumer reports

XXXX purposely keeping my credit score low. 

My credit score should at least be in the XXXX range, and they have me at XXXX. 
I pay my bills XXXX percent on time. 

In addition, there is one small medical bill that is supposed to be removed by the new law.

( rule 5 ) However, they still leave it there. 

My credit score is being held down intentionally and fraudulent reporting.l
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a notification that my credit was pulled by XXXXXXXX XXXX XXXX on XXXX XXXX and i did not request any services nor contacted them, i do not even have an account with them. I recently been seeing other inquiries i did not approved nor consent on my report and previously reported them on Transunion as well. 

I don't know how they report such things without verifying if its true or not but i did not request anything
Product: Vehicle loan or lease

I leased a new XXXX BMW. It has been defective for nearly every month during my leasing experience. It remains defective. I believe it will always be defective and will NEVER stop being defective. 

I contacted BMW Financial Services, which is the single most ethically-challenged company in the history of the world. I was told, in a letter, that I could " return the vehicle to a BMW dealership. '' I did this. BMW Financial Services, because it can not do anything without misleading or misrepresenting, blocked the BMW dealer from paying off the car. 

So, here is what I have. I have a letter from BMW indicating I could return the car to a BMW dealership. The letter is a pure misrepresentation, as BMW declined me from doing so after it wrote the letter. 

Now, as a result of my latest complaint, BMW Financial Services has issued me yet another letter. Now, despite the language in my lease or their previous letters, their latest creative misrepresentation letter says : " As stated in our previous response, pursuant to the terms of your Motor Vehicle Lease Agreement ( Lease Agreement ), you have the option to either purchase the leased vehicle or terminate the Lease early by returning the vehicle to a location selected by BMW XXXX  and paying the amount due under either Option A or Option B of Section 30 of your Lease Agreement. Pursuant to Section 35 of your Lease Agreement, you may not transfer the vehicle to a third party without the prior written approval of BMW XXXX. A copy of the Lease Agreement is enclosed for your review. '' So, now, I am asking BMW Financial Services to provide me, in writing, a full and exhaustive list of " locations '' where I may return this wholly defective car which has always been defective, is currently defective, and will always be defective. 

I'll wait for you next response.
Product: Credit reporting or other personal consumer reports

Reporting delinquent when the loan has been paid in full.
Product: Checking or savings account

A dispute was filed for an item not received, {$790.00} XXXX  XX/XX/XXXX,  package was deemed lost/stolen by the shipper, XXXX. A claim was filed, however, since the package had a signature release there is nothing XXXX could do to reimburse for loss to XXXX. Package was left in an unknown location with no signature it appears. I was in contact with several reps on merchant end regarding this loss/investigation, was given two contradicting stories pertaining to investigation, either it is still on going or it is closed and XXXX can not refund due to signature release.. I filed a dispute for loss as item not received, no signature for it.. It appears the claim was not filed correctly on Citibank end, a letter received on XXXX requests date of cancellation, there is no cancellation date ... I attempted to explain this to several Citibank reps, each person requested I put in writing what I told them, which was already done prior when dispute was filed..It appears the person ( s ) whom took claim did not enter it correctly, I explained to rep ( s ) at the time of dispute filing the package was lost/stolen and XXXX will not refund or issue store credit. However, it appears dispute was filed as an order cancellation, not for lost/stolen package..The claim needs to be updated to show lost/stolen, letters sent via fax as well as email state so, Citibank reps entered claim incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SWISS COLONY / XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I had a 2 years old account for car insurance. After first Months, the insurance company dropped me saying they couldnt honor the insurance for corporate vehicles and then they cancelled my insurance. Your company has committed multiple violations and mistakes in my credit reports. Craine & Weiner Company, Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 
Account information below : Date Opened : XX/XX/XXXX. Balance : {$120.00} Original creditor : XXXX  I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Canceling insurance Negligence Unfair business practices Re-aging account Defamation of character Because all the damages and violations that I have suffered, I deserve to get this account removed from my records. This is my demand. I give you a deadline of 30 days ( until XX/XX/XXXX ) to delete the account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report 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 means charge off is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork according to the FCRA and attached it to my disputes. The credit agencies are not processing my disputes correctly and not sending me copies of the verification process.
Product: Credit reporting or other personal consumer reports

Greetings! I am just making sure that these remaining inquiries will be removed after my update within 15 days. I am kindly asking the XXXX and Equifax Credit Bureaus to please remove these inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO
As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Chase mortgage via their web access offered a reduction in mortgage term for paying in greater frequency than the usual monthly payments. When I followed their offer to a link and used 2x monthly payments, the term did not decrease as the offer claimed. In fact, used this deceptive " ad '' to entice me in paying twice a month, yet I received ZERO benefit as a result. I am requesting compensation back for benefit of paying additional payment early for the past year+. Chase received the benefit of getting a payment early then earning interest, but has not passed the earnings/savings to me even after their ad specifically stated this as an inducement to pay extra per month.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ).
Product: Mortgage

This is a complaint/escalation due to homeowner being misled by XXXX XXXX - said he was a mediation rep - ph # XXXX. 

The reason we ended up speaking with XXXX XXXX in the 1st place is that he agreed to the XXXX phone call meeting that he said was too late for but he would do a conference call in place of it ( the foreclosure process had already begun on XXXX/XXXX/2016. XXXX said he was legal mediation for Seterus and would be happy to have the call. 

XXXX talked like he was offering her the terms of a modification so homeowner jumped at it. XXXX said a 40 yr term. 3.75 % and NO balloon. They have to add the late in the balance or they can suspend money or forbear if they are upside down. The homeowner jumped on it. 

Now we 've been going round and round with documents since XXXX/XXXX/2016 and it seems as though XXXX XXXX 's offer is nothing but words? Granted the homeowner was having issues with her printer and getting me docs but it was n't so long to get them. 

Now I called Seterus today to check on load mod status. 

Called Seterus to check on loan mod status - spoke with XXXX XXXX - said on XX/XX/XXXX was denied XXXX review but reviewing again. Was denied DTI for HAMP being below the XXXX %. 

On XXXX/XXXX/2016 XXXX was told Seterus had a complete package but then an NOD Posted to the homeowner 's property on XXXX/XXXX/2016 leading to unnecessary fees incurred by the homeowner. 

XX/XX/XXXX letter - facially complete - now 3-45 day review period. Based on new docs received. 
Check back in 2 weeks. 

I 'd like to escalate this file to you due to XXXX XXXX 's offer that meant absolutely nothing apparently.
Product: Credit card

My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX