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

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to address compliance concerns regarding XXXX credit reporting practices and to prevent potential inaccuracies from affecting my credit standing. While I have not yet seen any reports from TransUnion, I am aware of ongoing issues with their dispute resolution process and their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in consumer credit files. 

Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain accurate reporting of consumer credit information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they must conduct a reasonable reinvestigation if any disputed information arises. Given that I have already experienced issues with other credit bureaus, I am proactively seeking confirmation that TransUnion will uphold its legal obligations should any disputes or inaccuracies arise in the future. 

Furthermore, TransUnion has faced regulatory action in the past for : XXXX. Failing to properly investigate consumer disputes and correct inaccurate information. 
XXXX. Neglecting to forward consumer-provided evidence to furnishers for verification. 
XXXX. Not adequately notifying consumers regarding dispute outcomes. 

To prevent similar issues from occurring with my credit profile, I am requesting that TransUnion ensure that no inaccurate or unverifiable accounts are reported in my name. If any accounts are added in error, I expect full compliance with FCRA guidelines and a timely resolution. 

Requested Action : XXXX. Confirm that my credit file with TransUnion is accurate and contains no incorrect or unauthorized accounts. 
XXXX. Ensure that any future disputes I may file are handled in full compliance with FCRA within the legally required timeframe. 
XXXX. Prevent any future reporting of inaccurate or unverifiable accounts that may impact my credit standing. 

I am submitting this preemptive complaint due to prior issues with credit reporting agencies and to ensure that my rights as a consumer are protected. Please find my identifying information attached to facilitate proper record-keeping. 

Thank you for your attention to this matter. I appreciate the CFPBs role in ensuring fair credit reporting practices and consumer protections.
Product: Credit reporting or other personal consumer reports

I started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX  and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my credit score and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in 2020. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Product: Debt collection

i have never received any type information about this debt that i owe, never received nothing in writing, i never received anything by phone about this XXXX debt. i have paid XXXX to this agency and that was the final payment, however now on my credit report is coming back that i owe this XXXX this is wrong, this is inaccurate, this is a error, this is a mistake, and this is against the law to not accurate report on someone's credit report
Product: Mortgage

I have filed prior complaints because they showed me 30 days late every month or 60 days late, late from the transfer of the mortgages to SLS in XX/XX/2018. They finally fixed the credit reports a couple of months ago, so we were able to apply for a refinance to get a lower rate, lower payment ( which they escalated by making improper payments from escrow ), and to get away from this disreputable company. We are almost ready to close on the refinance, and now they have done it again. I even have their receipts that show the payments and they still report to the credit bureau. I have to pay a monthly fee to a credit monitoring company and over {$7.00} per month every month to send payments usps priority mail. I contacted their rep that corrected it before, but no response. If we lose the refinance, it is because they are violating the law and defaming me by the false reporting. They need their license revoked IMMEDIATELY!!! THEY NEED TO CORRECT THIS NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX  was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due.

I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.
Product: Vehicle loan or lease

It recently occurred to me that the experience I had during the purchase &  subsequent financing of my first vehicle with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MD XXXX may have violated consumer protection standards. 

On XX/XX/2017 I financed my vehicle with XXXX XXXX in XXXX, Maryland. In the final purchase stage, the financing representative overtly threatened to raise my interest rate which she had offered called several times and offered from Toyota Financial Services. She threatened verbally that if I didn't purchase the add on gap insurance for an additional {$20.00} per month to my {$380.00} car payment, that she would raise my rate she previously claimed to have haggled on my behalf. I told her multiple times after multiple attempts to sell me this product that I already possessed this coverage with my auto insurance and that at this time I don't want to add more to my payment nor to I need the coverage. She was adamant- and she accused me of not knowing what I was talking about since she had not heard of a car insurance ( XXXX ) offering such a clause. I pulled the coverage up on my mobile device, read it, and then showed it to her. The exact quote she said to me was " I can easily call Toyota Financial and have them raise the rate back to the higher figure that I just negotiated down for you. '' I almost walked out of the dealer at that very moment but unfortunately I needed the car more than I needed to leave so I stayed and continued to deny the add- on offerings she presented. It was a terrible combination of aggression and condescension masked by a person pretending to help you- she did not like that I knew about the buying process. 

I am choosing to raise the issue now because I still recall how visceral the experience was and I recently chose to learn about this event to see if it was in fact legal. I am hoping your team can investigate to see if this person is still performing such practices and if there should be consequences. It's important to note that while I've worked in sales and other high pressure industries, the predatory approach this financing agent took to my auto loan as a young person may have larger negative implications for other consumers.
Product: Credit reporting or other personal consumer reports

I notified Transunion to update my XXXX XXXX card to XXXX balance because its paid and they removed it causing my credit to drop XXXX points on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency shall not furnish an account without written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

filed disputes and sent out validation letters XXXX {$22000.00} {$2200.00} {$1200.00} {$5400.00} {$510.00} {$470.00} {$6400.00} {$510.00} {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned via XXXX XXXX that Transunion is reporting and open collections on my credit statement from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2600.00}. Supposedly, it was reported on XXXX XXXX, 2017, and referenced with ID # XXXX. I learned about it, and filed a dispute via XXXX XXXX on XXXX XXXX, 2017, stating that I have no knowledge of this account. I heard nothing.on my dispute, so I called Transunion. The person I spoke with recognized I had filed the dispute but stated there was no change to the report. They said Transunion sent my dispute to the business who posted the collection, but they received no feedback. I filed another dispute, this time directly with Transunion, on XXXX XXXX, 2017. This is a bogus collection. I have never been contacted by anyone regarding this collection. Transunion does not appear to do anything other than forwarding my dispute.
Product: Mortgage

NewRez has failed to hold up any of their timelines on issuing payment for my property at XXXX XXXX XXXX XXXX Check was mailed and received via USPS on XXXX XXXX, 2024 and the lender has XXXX to XXXX business days to disperse the first round of funds to the owner on file. The check was deposited XXXX business days later on XX/XX/XXXX XXXX XXXX XXXX was Monday ). I've been waiting for NewRez to get back to me or to issue any sort of communication. 

I've called NewRez twice resulting in a XXXX minute hold to just get through the automated system and then waiting on hold for an average of XXXX minutes. Then working with a representative is variable ultimately the process takes about XXXX hrs. 

NewRez has failed to issue MY money back to my to help pay for the rebuild in a timely manner. 

NewRez also is charging fees the lender NEVER signed paperwork agreeing to pay for inspection of the residence at XXXX XXXX XXXX XXXX. In discussions with other real estate professionals, NewRez should XXXX XXXX be resposible for covering the cost on ANY repairs or improvements that NewRez solely deems necessary. The insurance company has already signed off and approved of the completed and finalized claim. NewRez, my bank is now the sole reason for the delay and additional cost placed on me, the consumer. 

This is unfair, unjust, and costly in both time and money to me, whos already endured so much with a fire and dealing with the insurance claim in the first place. Something needs to be done and I should be compensated for having to deal with this unfortunate situation, which I warned both the CFPB and NewRez would most likely occur. Especially given everything else NewRez has put me through this year alone.
Product: Bank account or service

American Express One VIP card has stolen over XXXX of my money I have contacted the executive office of XXXX XXXX telephone, social media XXXX. I have called several times to complain XXXX was refunded back to me after 2and 12 months after complaining the XXXX and my XXXX XXXX payments of XXXX and XXXX still have not been recovered. The accounts from XXXX 2015 to now has had duplication in atm withdrawals and transaction that were changed and alter city trend XXXX was never a transaction and XXXX was never given to me at XXXX airport, refunds never made and I just want all XXXX in deposit return so I can find another bank with integrity. The foreign workers are stealing from the XXXX cards and trying to put you in fraud when ever you complain. XXXX on account is separated from the statements and transaction and there are about XXXX of transaction missing. I have pictures I submitted by email to inform the Executive Vp however, it is my belief she is covering for her foreign colleagues positions. I also submitted the letter that a supervisor sent me when I first filed a complaint about them in the month of XXXX over XXXX is taken from me. They are saying transaction never happened and in XXXX XXXX pay checks were deleted out of the system which would reflect of XXXX deposit being made in the account.
Product: Mortgage

I am writing to address a significant concern regarding the recent disbursement of funds from my escrow account. On XX/XX/2023, a payment of {$4300.00} was made to my local county from my mortgage account. However, there is a critical discrepancy that needs immediate attention. A letter was sent to the company on XX/XX/2023, notifying them that I am exempt from property taxes due to my 100 % XXXX veteran status. This exemption should have been recognized, and no taxes should have been withdrawn from our escrow account. My wife and I have made numerous attempts to rectify this situation by contacting their customer service department daily. Regrettably, we have received conflicting information regarding the resolution process. Initially, we were informed that a refund check would be issued within a week. However, we have since been told that we must maintain a balance of {$5500.00} in our escrow account to receive a refund. It is essential to emphasize that withholding funds from our escrow account is both concerning and unlawful. Illinois state laws clearly outline the exemption status for XXXX veterans, which should have been acknowledged and respected by Nations Direct Mortgage. We request immediate attention to this matter. It is of utmost importance that the incorrect disbursement of funds be corrected promptly, any withheld amounts returned to our escrow account, and a check written to us for the amount. We also seek clarification on the conflicting information regarding the escrow balance requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  open account. With out the letter of approval from my XXXX XXXX XXXX XXXX And XXXX XXXX  same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan with Santander on XX/XX/2019 after 29 months of payment. My payment was a weekly payroll deduction. Upon paying off my loan Santander reported me late for the month of XXXX. I am attaching payment history that shows my weekly payment history for the past few months and proves that I was not late in XXXX. I would like the rating changed immediately as I am in the process of buying a home and this is severely affecting my ability to qualify for the loan. 

XXXX XXXX refuses to confirm balance information that they sent me with the credit Bureaus and they are reporting that I have 2 accounts with them. I only have 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank isnt reporting my mortgage payment to XXXX!!
Product: Debt collection

While applying for an automotive refinance, the bank notified me of a collection that just popped up. I immediately called the collection agency to ask what this debt was. They told me that they had notified me in writing on XX/XX/XXXX. I have the USPS scan and provide me with images of my daily mail prior to delivery so this can be clearly disputed. On or about XX/XX/XXXX, I spoke with XXXX, the person who answered my call at XXXX XXXX out of XXXX, TX, that the only strange call I received that might have been some attempt was an UNKNOWN number calling me. The caller immediately asked if was the person they were looking for and I said, " yes '' and asked who they were. They told me that unless I verified my identity by providing my address and social security number that they could not even tell me who they were. With " phishing '' and identity theft being a nightmare, I refused and asked who this person was, eventually the call ended. XXXX said that could not be them because that was illegal. Upon looking at reviews on the XXXX website, there is a CLEAR pattern that this is their tactic. Many many reviews suggest that the same " tactic '' was used. Additionally, XXXX stated on the recorded line that he was not sure how or why XXXX was pushing this after all of these years. He suggested not paying it because I could dispute it with all 3 depositories and it would be removed based on the age alone. XXXX removed it within a matter of hours. 

After talking to XXXX, I messaged XXXX ( the company owed the collection ) on XXXX. They quickly verified everything and apologized to me, crediting my account to a {$0.00} balance with rep sending me a message saying " Considering I can date your account history all the way back to XXXX, I would like to just credit this balance for you. You were a great customer here for years and taking care of this amount is one little thing I can do to show we appreciate your time here. '' Had Southwest Collections identified themselves, notified me in writing, or actually made an attempt to let me know about this, I would have immediately called XXXX and likely gotten the same resolve without having it impact my credit. I had a XXXX credit score with  nothing derogatory on my profile. I had over {$20000.00} in my account and would have offered to pay the piddly {$110.00} instead of getting declined for a car loan that forced me into accepting a much higher rate at a different bank that will cost me {$4500.00} over the life of the loan. As a result of my loan denial, this has become " Actual Damages '' and something I can not recover from without legal intervention. 

As I stated, if you look into complaints about this company, you will notice a big pattern of this. Both their phone records and mine should verify this. Their recordings should validate everything I have stated in this, as well as my messages and emails from XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. 
Affected Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX