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

Due to the many changes and inaccuracies that are constantly being reported onto my credit report after a supposedly " investigation '' Transunion is not complying with the FCRA. I have filed several disputes to resolve this issue and yet nothing has been done. Transunion sent to myself what was supposed to be a updated/corrected credit report dated XX/XX/XXXX File # XXXX from my last dispute. This credit report has several errors on it once again. Transunion is reporting that my 2 XXXX accounts that were TRANSFERRED/SOLD on XX/XX/XXXX to XXXX XXXX XXXX XXXX has a CURRENT PAY STATUS of 120 DAYS PAST DUE DATE. These 2 TRANSFERRED/SOLD XXXX accounts has a {$0.00} BALANCE. Transunion how are you reporting on a TRANSFERRED/SOLD account with a {$0.00} BALANCE AFTER the date it was sold on XX/XX/XXXX to have a CURRENT PAY STATUS of 120 DAYS PAST THE DUE DATE? This is inaccurate and this is a violation of my rights. Yes I do know and understand that my PAST PAYMENT HISTORY section would still reflect those payments that may have been delinquent up until the dates these accounts were sold. FCRA states you are to stop reporting payment info on an account after it is sold. Transunion is still reporting as if my TRANSFERRED/SOLD with a {$0.00} balance account has a CURRENT PAY STATUS of 120 days past due date. I REQUEST that Transunion update and correctly report my PAY STATUS as TRANSFERRED/SOLD instead of only trying to include that it was TRANSFERRED/SOLD into the REMARK SECTION. The info that is being reported incorrectly by Transunion is showing on my FICO credit reports as CURRENT STATUS OF 120 days LATE instead of it stating that it has been TRANSFERRED/SOLD and It is also showing that my XXXX XXXX XXXX XXXX accounts are reporting as LATE which should show as PAID. This tells that that Transunion is reporting what they want to report and what instead of what is right. Transunion you are also reporting under the payment history that my XXXX XXXX XXXX XXXX accounts were in COLLECTION during the months XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX XXXX XXXX did not have these accounts during those dates. XXXX TRANSFERRED/SOLD those accounts to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am requesting that you update and correct my payment history for my PAID XXXX XXXX XXXX XXXX accounts for those months that I stated earlier. I repeat XXXX XXXX XXXX XXXX DID NOT have those accounts until XX/XX/XXXX. So there should not be any payment history anytime before that under XXXX XXXX XXXX XXXX payment history. Once again you are violating my rights. My Fico scores are not accurate due to the inaccuracies that is being reporting by Transunion. I HAVE ATTACHED THE CREDIT REPORT FROM TRANSUNION SHOWING THE INACCURACIES AND I HAVE ATTCHED COPIES FROM MY FICO CREDIT REPORT. Transunion seems to think that they do not have to comply with the FCRA and is toying with the CFPB authority by stating that they will complete and investigation but instead is not doing anything at all but causing more and more problems for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors XXXX. The contact information for the creditors XXXX. The name of the person who verified the item ( XXXX ) for them XXXX. The method of communication they used to verify this information XXXX. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? 

They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The Credit Reporting Agency continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries from your company that I dont recall authorizing. These inquiries are having a negative impact on my credit score, and I find this extremely upsetting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX NA XX/XX/2022
Product: Credit reporting or other personal consumer reports

Despite repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists unresolved. The presence of these unauthorized items has profoundly disrupted my life, causing significant stress and XXXX, as I am a victim of identity theft who never consented to this information being associated with my name.
Product: Mortgage

Company is incorrectly reporting the property taxes paid on the XXXX forms. In Texas countys there may be several entities that charge property tax. In my specific example there are XXXX XXXX XXXX, XXXX XXXX XXXX  ). The company only reported the county tax payment and when I called for them to correct it they said its policy and they cant include the other property taxes in the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; There are creditors who DID NOT give me a firm offer of credit. Those creditors did not submit information to Transunion, dictating that I have opened a new account. And I have not personally authorized Transuion to provide any person agency or creditor a copy of my consumer report.
Product: Credit reporting

In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.
Product: Vehicle loan or lease

on XX/XX/XXXX2023, I purchased a car and Exeter Finance LLC. was the lender. 

on XX/XX/XXXX/2023 the car was totaled. 

my insurance paid their assessment and gap insurance covered the rest. 

during this time, exeter finance advised me that the {$2500.00} service contract purchased with the car and included in my finance amount had been canceled and refund issued. 

two things here : 1.After the loan was paid off, exeter finance did not close my loan and reported late payments to the credit bureaus until i was able to notice this happening in XX/XX/XXXX2023 when i called them and they told me i still owed {$230.00} but couldnt tell me why. I did pay it because I wanted the late payment reporting to stop because it was and still is affecting my ability to purchase another car. I later found out this amount was interest leftover which they told me gap insurace doesn't cover. 

2. Exeter finance did not refund me the amount for the {$2500.00} canceled service contract and insists my dealer owes me this amount. and that the {$2500.00} service contract was not a part of my financing despite my loan contract stating it is financed. 

Here are the facts : 1. per my loan contract, the price of the car including taxes was {$170000.00}. It lists the {$3000.00} downpayment I paid leaving a balance of {$140000.00} to be financed on the price of the car. 
then lists all of hte additional charges : {$990.00} for cap insurance {$20.00} registration fee {$18.00} title fee {$690.00} documentation fee {$190.00} state electronic registration fee {$2500.00} service contract for a total additional amount of {$4400.00} and the amount financed line on the contract says {$18000.00}. 
The contract terms state that if the lender obtains a refund of insurance, maintenance, service, or other contract charges, i agree that they can subtract the amount to what I owe, however, this did not happen they cancelled the service contract and received the refund from the dealership which they claimed they didn't receive but provided me proof that they did. 

Again, the amount financed was {$18000.00}. My payments were to begin in XXXX, however the car was totaled before the first payment was ever made. 

According to documents supplied by exeter finance they received : 1. {$16000.00} on XX/XX/XXXX23 from my insurance 2. XXXX on XX/XX/XXXX2023 from gap insurance 3. Another payment on XXXX/XXXX/2023 from gap insurance of {$2000.00} 4. {$2500.00} refund for the service contract cancellation from the dealer on XX/XX/XXXX2023 Check number XXXX which was deposited into their bank. 

These amounts total {$21000.00}. When subtracting my loan amount of {$18000.00} and accrued interest of {$230.00}, this leaves a balance of {$2700.00} which i am owed and Exeter denies. their service associates state they refunded this amount to the dealership however, they will not show me proof and the documentation they sent to me says otherwise. In addition, they reported late payments to the credit bureaus when no amount was due to them. I paid the {$230.00} to them and this amount needed to be refunded to me as well.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then the account was repeatedly charged off for XXXX continuous months. This is and update in payment history. A charged off account should not have included an active payment history those months. The inaccurate Information falsely manipulates the statue of limitations. This account was not investigated properly after I asked XXXX and your neglect has violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX.
Product: Debt collection

Today, XX/XX/XXXX, was just notified that my automated payments for one of three houses we have loans through with PennyMac had not processed. Woman said they had called and emailed and sent letters, none of which were received. No attempt was made to contact or dispute the issue. Automated payment is made through their website, no contact was made that the amount had changed. I receive 10 spam calls a week on refinancing and new loans, nothing on my actual loan. 

payment was made within the hour. Called to confirm it was pending, will call tomorrow, XX/XX/XXXX to confirm payment went through.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors DearXX/XX/XXXXDispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made. 

I trust that XXXX will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

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

On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
Product: Student loan

My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a XXXX XXXX and can not read well and can not comprehend what I read. My XXXX was a modified one since I could not earn a regular XXXX. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her {$30000.00} and want over {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request that Experian delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with Experian and they have verified the item as accurate several times, stating that Experian had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider XXXX XXXX without any validation or verification that the bankruptcy information is accurate.
Product: Credit card or prepaid card

I hold a Chase Amazon credit card. My annual spend is over {$75000.00} a year and I have never paid a fee or an interest charge. On XX/XX/2023, I made a XXXX transaction for {$25.00}. {$25.00} was a payment to a friend and {$0.00} was a fee charged by XXXX. While that {$0.00} is an insane amount to charge for a fee, that is not why I am writing. I am writing because unbeknownst to me, and unlike what happens for XXXX, Chase treats a XXXX payment as a cash advance. As a result, Chase charged me a transaction fee of {$10.00} on the {$25.00} XXXX. That's a 39 % fee! Plus they charged {$0.00} in interest even before I could pay my bill. Luckily I caught this and the bank has generously offered to give me a " one-time '' credit for the transaction fee and interest. I'm writing because this fee is criminally high and the application of interest immediately after the transaction is absurd. I'm also writing because I do not feel like I was given adequate notice by either Chase or XXXX that this would occur. As an attorney, I have no problem ( other than the cost of my time ) fighting ridiculous fees and interest such as this, but I am concerned for the general public. This practice should be stopped and consumers should be protected from such fees and interest charges in the future. Please do something to make Chase stop this, or at least make a clear disclosure on the XXXX app. 

Also, I spoke to a customer service manager who said there was nothing he could do about it and he tried to place the blame on Visa and XXXX. Yet, he was happy to tell me that the {$10.00} fee and {$0.00} interest was valid and there was nothing he could do about it. Luckily the non-supervisor was willing to reverse the fee and the interest. What if I was not a lawyer? Do you think they reverse charges for folks who can not advocate for themselves? I doubt it. 

Thank you for taking the time to consider my complaint. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX someone used my VISA Cash App Debit card to purchase {$5400.00} worth of VISA gift cards out of XXXX  in XXXX NY . I still had my card with me so I thought it was some type of mistake. I contacted Cash App via email ( no one answered the number that was provided ) last week when the incident happened. I filed a police report today and sent several messages to Cash App concerning the fraudulent purchases. I have not heard from Cash App and XXXX  stated that I had to go through them since the purchases were made in-store.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022 I disputed incorrect information on my Transunion Credit report. They have XXXX collections reported as open when in fact I have no accounts open with either of these collection agencies and these both are included in my XXXX  XXXX bankruptcy. I demanded their removal and Transunion refused as they are in violation of the FCRA for reporting very incorrect and inaccurate information. On Today Tuesday XX/XX/2022 I received notification that my dispute was completed, but I have NO results and the accounts in question have NOT been removed. According to the law, an investigation has to be completed and was NOT as I do not have results nor do I have proof one was done, and I also have not been granted access to these results ... Transunion is in violation of my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has stated I owe them money. I used them for 1 month and paid for the month. I did not like their service and was supposed to get a refund for the month, but instead they billed me, and have continued to bill me for the last 6 years.
Product: Credit reporting

I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX, XXXX, XXXX