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

I have completely paid off creditor ( XXXX XXXX ) account it is not showing updated as a paid off account on both my XXXX and Equifax report. It need to be updated as such on both. 

Also there is an account creditor name ( XXXX XXXX ) that was paid off as well still not updated as such on my Equifax. Please update my credit reports in regard to these XXXX accounts as paid off/closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA, I am requesting the method of verification for nine accounts there were previously verfied. Per FCRA i have requested method of verification and procedure used to verfiy. This is my right per FCRA 611. Anyone can say verify with no back up proof that the FCRA rules were followed.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my 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 item 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 ) ( a ) 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. Please delete the accounts listed below : - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

TD Bank has failed to process my mortgage payments timely and claims I owe them {$52.00} due to their error. They threated to report me to credit bureaus because of their mistakes and failure to process my payments. They are horrible!
Product: Mortgage

I had a XXXX interest mortgage rate. However, I spent a lot of money making loan payments, and I was looking to reduce expenses, so I decided to look to refinance my house to reduce what I owed. My original house payment was {$1000.00} per month, and with the refinance, it will only go up by {$710.00}. However, XXXX year later, the mortgage company added another XXXX, which doubled my payment. I called the company, and they said that the person who did my loan made a mistake. I would have never agreed to pay more than I originally paid. Rocket Mortgage is the worst
Product: Credit reporting or other personal consumer reports

In accordance with the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item 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: Credit reporting or other personal consumer reports

Good afternoon, I had previously reached out about removing any negative remarks from my credit report on my missed auto payments, however, USAA updated their remarks and changed my report negatively. Even if I was late in making payments, I still paid. USAA updated XX/XX/year> as a " charged off. '' It shouldn't be a charge off if I paid for that month without being late. My credit score went down XXXX points due to their misjudgment on the situation. 

I am begging that they remove the " Charge Off '' and return it back to " 90 days late '' even though it was not 90 days late. 

I attached a picture from what I'm seeing on my end. 

I am just trying to build my credit and fix previous credit errors on my part. 

Contact info : USAA Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Thank you tons. I'm hoping that any result will not affect my credit history any further.
Product: Checking or savings account

I am told by their customer service department that this was closed in 2023, that I had a previous account that they chose to close for suspicious activity or something I'm not sure I could not understand the young lady she was foreign I could not understand what she was saying. I have tried to open an account online with them I do not have any problems with any other banking facilities in the whole country so I do not understand where this came from. At this point I would not even want their services but I have a lot of friends that use their service and I'd like to use their service in order to be able to help my friends down then with money. Is there anything that I can do to help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I think Transunion is doing illegal activity with my credit report, I now have 5 inquiries that I never authorized. 2 of those inquiries are brand new & showed up on my report today making this message. The customer service has been down online, they, have had the dispute option on the website back and forth behind a pay wall, but now it doesnt function at all. and phone agents have been hanging up on me, one supervisor XXXX did and I didnt remember the other 2 women who did but they were also supervisors they try to hang up on me now when I try to resolve the problem now because I initially been calling for about 2months, Im almost about to find legal action because the hard inquiries just got my recent loan application denied because of the neglect. My score has been severely damaged, and I notified each institution for request of a removals. Transunion is the only company that has been giving me a hard time. Here are the inquiries I did not authorize and need removed below and the dates XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/202XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX Bank XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection for the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and is over XXXX XXXX XXXX. Reporting this line item is a violation of the Fair Credit Reporting Act. XXXX  is reporting this account correctly. This negative reporting is harming my credit score. This trade line item needs to be removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX with a contract maturity date of XX/XX/XXXX. On XX/XX/XXXX I signed an Extension Agreement & Amendment Contract with ( AHFC ) for an Extended Maturity Date of XX/XX/XXXX XXXX attached ). 
I completed the mutual Extended Agreement with a 61-month contract maturity on XX/XX/XXXX. After making the final installment payment, XXXX refused to release the vehicle title, stating an additional amount was still due. There were numerous continuing phone conversations regarding this matter and on XX/XX/XXXX, I communicated with XXXX XXXX at XXXX extensively, who sent a detailed payment history. That payment history showed 61 payments were made, however, 2 payments were missing only 59 payments accounted for. The payment history showed missing the following paid installments : XXXX, XXXX check # XXXX PAID {$370.00} ; XXXX, XXXX check # XXXX PAID {$370.00}. TOTAL PAID {$740.00} not accounted on the payment history. 
In addition, for at least 5 years I disputed AHFCs efforts to collect additional payment, as it sent its solicitations through collection agencies : 1 ) XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX ; 2 ) XX/XX/XXXX ; 3 ) XX/XX/XXXX. I consistently sent written communications ( attached ) that I strongly dispute the validity of the account balance or any portion thereof regarding XXXX. 
Since XX/XX/XXXX to date, XXXX has refused to release my vehicle title. Although I have attempted to resolve the dispute with this company and its subsequent collection agencies ( attached ), XXXX alleges additional charges are due. 
In Illinois, written contracts including those for auto loans and other installment loans, have a 10-year Statute of Limitations. XXXX XXXX believes that it is above the law and has placed a lien on my vehicle ( Illinois ) title to prevent the transfer of ownership to another party. 
The vehicle in question is 17 years old. Its maintenance issues total over {$4000.00}, well over its current XXXX value and the vehicle must be replaced. 
XXXX has stated that the remaining balance due -- {$330.00} -- is for outstanding payments. To date, those payments still remain due and until they are paid, XXXX will not release the title to her vehicle. 
I recently telephoned AHFC ( XXXX ) on XX/XX/XXXX at XXXX XXXX, and spoke to XXXX XXXX, who stated there is still a balance due of {$330.00} and the title will not be released until it is paid. 
I have included a ( attached ) copy of the BBB which rates AHFC with an F and states the following : Our opinion of what this rating means : We strongly question the companys reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the laws licensing or registration requirements, their complaints contain especially serious allegations, or the companys industry is known for its fraudulent business practices.
Product: Credit card or prepaid card

On XX/XX/2023 I attempted to purchase clothes from a merchant on XXXX. It turned out to be a scam. Not the merchant being represented on XXXX  page. On the same date : I immediately attempted to cancel order, I then called Elan Financial Services to block purchase and cancel credit card. I was told a provisional credit was issued. Elan sent inquiry form, which I filled out and returned. I then received a letter dated XX/XX/2023 stating that my dispute was denied because I had not contacted the merchant. On XX/XX/2023, I called and spoke to a supervisor, who said the account specialist would call witihin 24 hours. No call was received. I sent a letter detailing what I had did and stating that no goods were received ( per e-mail from merchant, goods were delivered to XXXX on XX/XX/2023. ) I again requested to hear from the account representative, and asking for support for Elan 's decision. I followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX, again asking to speak to dispute representative. Both times receiving promises of a follow-up phone call. On XX/XX/XXXX, I received a second letter from Elan stating the dispute was closed out and the charge would stay on my bill. I sent a second letter, more detailed, and demanding a response to my attempts to resolve this. No response.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX  XXXX XXXX
Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX 15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Product: Money transfer, virtual currency, or money service

I was on XXXX making a purchase and thought I was putting my personal debit card info in and when I hit confirm it said give us a few seconds to see if u qualify, and at that moment I thought sonething just wasnt right then I got a notification from XXXX XXXX saying I had a hard inquiry on XX/XX/2019.
Product: Mortgage

I had applied for a HAMP Loan Modification with Nationstar Mortgage, during XX/XX/XXXX and submitted all the required docs from time to time. Initially they refused to consider me for a HAMP Loan Modification, because I did not default on my Mortgage Payments. However I sent the attached letter dated XX/XX/XXXX, through CFPB. They responded to this, through their letter dated XX/XX/XXXX ( copy attached ) expressing their regret that they did not evaluate me for a HAMP Loan Modification and assured me that they are going to do this. However, their attached letter ( dated XX/XX/XXXX ) of rejection came as a surprise to me. It simply says, '' Insufficient Payment Reduction '', as the reason for denial, without giving any specific calculations whatsoever. According to me, if the 4 Standard Waterfall Steps of HAMP are followed, there can be about 32 % reduction in my Monthly PITI Payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was removed as a XXXX % partner in a business, and the business partnership was dissolved. As shown in legal documents that I sent to all three of the credit reporting agencies as well as to two credit card companies, XXXX XXXX and XXXX, that the remaining business partner, assumed all debt associated with the company including credit cards, and that I was not responsible for the debt and wanted these two credit cards removed from my credit report. 

I have since pulled credit reports. XXXX and XXXX have removed these two cards from my credit report. Experian sent me a letter stating that they were unable to use the legal documents I provided with my dispute and are not able to make the changes I requested ( removing the two credit card that do n't belong to me from my credit report ). They are contacting the furnisher of the information or the vendor who collected the information. The furnishers of the information is XXXX and XXXX XXXX. After speaking with XXXX XXXX they took further steps to close the account in my name, and confirmed they had the legal documents I sent and agreed that I was not responsible for this debt and that they would report to the credit bureaus to remove this account from their records. My calls to XXXX XXXX has been less than satisfying and to date I have not received any confirmation from XXXX that they have reported to Experian that I am indeed not responsible for the debt and that it has/will be removed from my credit report. 

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Product: Credit reporting or other personal consumer reports

The accounts XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were reinserted into my credit report without proper notification, as required under 15 USC 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). These accounts I didn't authorize nor give consent to report these on my consumer report. Both XXXX and XXXX have already removed these accounts, acknowledging they were erroneous. Your actions violate the FCRAs requirement for maximum possible accuracy under 15 USC 1681e ( b ) and the reinsertion notification requirements. I demand the immediate removal of these accounts from my credit file. Additionally, I request written confirmation of their deletion and assurance that your processes will comply with federal laws moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Status is reporting inconsistently across bureaus.

Date opened is inconsistent across bureaus.

the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX of XXXX
Product: Checking or savings account

I tried to get a loan on line and the company giving the loan was a scam they deposited funds in my account where i had to return them to raise my credit score chase bank held the checks for days and still cleared the funds knowing it did not have my signature on them after they cleared the funds I was under the impression that the company giving the loan was good so after I returned the funds to raise my score chase put my account at a - XXXX dollars where at that time I knew there was a problem so I contacted chase and asked why my account was at a - they told me that the funds that the finance company giving the loan altered checks that were deposited in my account where I explained them checks came from a finance company named XXXX XXXX financial for a loan I was trying to get, I then got copies of the checks in the mail and seen they did not have my signature on them so I asked chase why did they clear them they did not have a answer and told me I am responsible to pay back the funds when they know I am a victim of fraud I am not responsible for this scam committed against me and feel chase is wrong. They also took my sisters XXXX check that was deposited in the account and cashed it when they should not have.
Product: Checking or savings account

I bought a vehicle and contacted Synchrony Bank and did a {$4500.00} wore transfer while I was at the dealership. I get home and find out not only did Synchrony cancel my transfer ( which now puts me in danger of losing not only my car but the financing ) they also have completely restricted me from accessing ANY of my money. Not one person from multiple calls would tell me why. I verified all my info, nothing was fraudulent, and they are putting mine and my children 's livelihood at stake for no acceptable reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX ( original Creditor ) and XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A States that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions. I would like this account to be deleted from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the CB Equifax and stated that I had disputed information with the creditors southwest credit systems and that I had sent them disputing the validity of the information that they were reporting to Equifax. I sent the letter via postal service on XX/XX/22 certified mail and received a certified mail receipt. XXXX. XXXX XXXX XXXX never responded to my dispute so I disputed via Equifax asking them to remove/delete the information due to no response from the southwest creditor systems. please remove/delete southwest credit systems from my Equifax report XXXX