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

I, XXXX XXXX, give authorization for TRANSUNION LLC to move forward with this complaint. I am in receipt of the attached investigative report from TRANSUNION LLC. In good faith, I exercised my right in demanding to see proof of validation for alleged accounts that have been furnished on my consumer report. However, the attached investigative report does not provide any documents that I requested to see that proves the validity of the alleged reported accounts. TRANSUNION LLC is displaying malicious intent by damaging my reputation and making me seem not credit worthy. I now run the risk of being denied credit due to them reporting false and inaccurate information on my consumer report and file. The following alleged accounts are false and inaccurate : 1. US DEPT OF EDUCATION # XXXX with alleged balance of {$5800.00} opened XX/XX/XXXX 2. US DEPT OF EDUCATION # XXXX with alleged balance of {$2300.00} opened XX/XX/XXXX 3. US DEPT OF EDUCATION # XXXX with alleged balance of {$2200.00} opened XX/XX/XXXX 4. US DEPT OF EDUCATION # XXXX with alleged balance of {$5600.00} opened XX/XX/XXXX 5. US DEPT OF EDUCATION # XXXX with alleged balance of {$5700.00} opened XX/XX/XXXX 6. US DEPT OF EDUCATION # XXXX with alleged balance of {$2400.00} opened XX/XX/XXXX -I NEED TO SEE THE PROOF of who were the known associates of XXXX XXXX that might have information in regards to any of these alleged transactions that TRANSUNION LLC contacted to validate these alleged accounts. 

-I NEED TO SEE THE PROOF of how TRANSUNION LLC has this calculated amount that I allegedly owe. 

-I NEED TO SEE THE PROOF of where TRANSUNION LLC got this information to obtain this type of report when there are missing records. 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and reported as closed. If the reports are closed why is that the alleged accounts have a balance. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and show in collection without ever being late. How is this accurate reporting? 

As you can see the alleged accounts on my attached consumer report have been allegedly updated and verified and have no payment history from when their records say the alleged account was opened. But out of nowhere the alleged account reports in collection. How is this accurate reporting? 

Any competent person can see that this is 100 % false and inaccurate reporting. As a result, the mentioned alleged accounts must be blocked, removed, and deleted from my consumer report and file IMMEDIATELY per my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8900.00}
Product: Credit card or prepaid card

According to the Fair Credit Billing Act, the credit card company has 90 days to investigate and properly communicate to me the results of my dispute. The credit card company failed to acknowledge my dispute complaint when I initiated it back in XX/XX/2022 and subsequently they never mailed me documents following up about the dispute and instead they closed it themselves without any explanation to me and they did this after the 90 day period in late XX/XX/2022 well past the 90 days. The reason for the dispute is that I was promised a credit refund on this card from Lowes that I never received from the store. I had written communication from the management that promised me such a credit refund. Despite me explaining to the credit card company the circumstances, they still decided to improperly file the dispute as me not receiving the products or service when I never made such a claim to them. This mistake further delayed the dispute process. 

I have reasonably doubt that the dispute was not done in good faith because even when I sent in copies of my communication with the store, the credit card company did not follow up to ask questions surrounding the circumstance and did not communicate at all with any updates. After Lowes closed the investigation and I had no other recourse, I finally was able to meet with the manager at Lowes who confirmed the credit due to me and issued the appropriate refund. 

However, during the investigation, I was not able to reach Lowes and the credit card company was not taking my complaint at all serious by first not even listening to what I had to say and filing it. After the credit card company denied my dispute some months after, Lowes did issue the appropriate refund. However, I still think that the Lowes credit card should pay me the sum of the dispute amount as penalty as penalty for not properly adhering to the FCBA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Lowes 4 Pros account. If you need any additional information, please contact me at XXXX.
Product: Credit card

Indigo Credit account as of XXXX XXXX XXXX card-reporting a balance of {XXXX on an account that was paid off. 

XXXX XXXX  amount is incorrect. 

XXXX is incorrect. 

XXXX XXXX the reported amount is incorrect as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX  IS currently reporting inaccurate information on my credit report. On XXXX  Equifax and XXXX XXXX it shows reporting that my last date of payment was XX/XX//2016. 

XXXX XXXX also reports that I was late XX/XX/2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XX/XX/2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XXXX/2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX//2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX/2016 Payment XX/XX/16 Due XX/XX//2016 Payment XX/XX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX/2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
Product: Credit card or prepaid card

I am experiencing financial hardship and I asked the company to waive excessive interest charges and the company is not cooperating. 

Capital One has charged me on excess of 28 % interest and has been compounding finance charges and late fees month to O have accumulated in excess of {$600.00} in interest fees and late fees in the last month I am requesting these fees be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, XXXX XXXX, XXXX.
Product: Credit card or prepaid card

In response to my third complaint # XXXX, Nordstrom Visa said that they had concluded their investigation. 

However, after consulting with a legal website, said investigation seems to be in violation of the Fair Credit Reporting Act since Nordstrom Visa did not conduct a reasonable investigation and was either careless and/or deceptive in its process. 

The Nordstrom Visa Dispute Department, as any other dispute department on any major credit card company, is supposed to protect the consumer with a promise of having " the right not to pay the remaining amount due on the purchase '' if you are dissatisfied. 

During the months going back and forth with the Nordstrom Visa Dispute Department, the emphasis on behalf of the Nordstrom Visa Dispute Department seemed to be on making sure that the merchant, Caregivers, received ample opportunities to respond to the dispute and not on enforcing the terms of the credit card agreement that both Nordstrom Visa and I entered when I accepted to activate their credit card. 

In fact, when I first issued the dispute with Nordstrom Visa, the Nordstrom Visa Dispute Department notified me via mail that they had sent me a letter with the merchant 's response. 

However, I found out later from a Nordstrom Visa Supervisor that said letter with the merchants response did not exist simply because Caregivers chose not to respond to the dispute in the allotted time as per their own credit card agreement. 

Moreover, with other major credit cards such as XXXX XXXX, for example, the simple fact that the merchant chooses not to respond to the dispute on the given allotted time means that the dispute department automatically sides with the consumer. 

But obviously, the fact that I keep addressing this dispute and how badly it has been handled by the Nordstrom Visa Dispute Department proves that the Nordstrom Visa Dispute Department does not fulfill what it is stated in its own credit card agreement or its commitment to the consumer in regards to consumer rights. 

Again, if a consumer is dissatisfied with a credit card purchase, Nordstrom Visas credit card agreement gives that consumer a method to dispute said transaction. 

And if the merchant chooses not to respond to the dispute on time, Nordstrom Visa then would have to side with the consumer.

Nowhere does the credit card agreement stipulate that Nordstrom Visa will give the merchant ample opportunity to finally get around to responding to the dispute to simply then side with the merchant without even reading the dozens of pages sent as proof of the dispute by the consumer. 

Finally, the balance of the disputed charges was supposed to be {$8100.00} and not what it shows on the Nordstrom Visa Dispute Departments response. 

Again, all I ask from the Nordstrom Visa Dispute Department is to abide by its own credit card agreement and side with the consumer, who has every right to be dissatisfied with a merchant, whose dispute should have been solved the moment the merchant chose not to respond in a timely fashion. 

Otherwise, why give the consumer the option to dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my car loan with Nissan Motor XXXX. For a 2017 XXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by Discover on my credit reports maintained by XXXX and XXXX. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from Discover. Despite my efforts, each dispute has been concluded by Discover, XXXX, and XXXX with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by Discover, XXXX, and XXXX may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX I Used A Atm At XXXX XXXX withdrew XXXX dollars and i got the money but my card never returned i press the screen and nothing happened i went to manager and he said contact the bank I unlocked my card to do transaction and returned near the atm and noticed a XXXX XXXX on atm i empty my pockets on the floor to make sure if atm gave back my card so a guy said lock your card i said thanks i locked my card and when i got home i seen a XXXX withdraw right after my XXXX dollar withdraw i contacted XXXX XXXX  because it was the atm and they said they would assist cashapp with video footage so i disputed with cashapp they canceled my card reissued a new card that kept giving errors a cashapp worker told me whoever stole my card is still trying to use it so its declining my new card so they sent a new card again i gave cashapp my police report number and my case got denied i appealed and received email to send documents and email kept not sending
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provided XXXX XXXX in the end of XX/XX/XXXX and incorrectly billed me {$900.00} in XX/XX/XXXX. After a discussion with XXXX XXXX the amount was eventually reduced to {$81.00} which was promptly paid in full on XX/XX/XXXX. In that short time, while waiting for the adjusted bill I was sent to collection. I have disputed the amount and status of the account with XXXX   who sent a request to the billing company, XXXX XXXX XXXX, who claims {$900.00} is still due!
Product: Credit reporting, credit repair services, or other personal consumer reports

You reported late payments for my auto loan From XXXX- XX/XX/2020.  These payments were made on time and were not late. I called and spoke to representative and he verified this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times attempting to have my personal information updated on my credit report as well as report fraudulent information listed on my credit report. I keep getting letters stating that the information is valid and verified as accurate but no one can tell me how the information is being verified. 

I have never been affiliated with the addresses that I have listen on the template attached with this complaint as well as I have never been late with any payments. I asked to that the fraudulent information that states included in bankruptcy be verified with my signature and I havent received that information yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I hired the installation of a generator in my house and signed the application form for financing when I was approved. 
When the generator was installed, and it took almost 3 years, I received the credit card, stating that I would have to pay the full amount in 18 months or would have to pay interest of 26.99 % per year, like any credit card that kind does. 
Of course, I believed that the interest would start to affect the balance and after 18 months, but that was not what happened. 
In the middle of a pandemic, after I paid {$6300.00}, the credit card applied {$5700.00} to my balance of {$8000.00} and now it will still apply the 26.99 % each month, as a result, I paid {$6300.00} for 18 months and now I will have to pay another {$5700.00} plus the balance and more interest on the total. 
I contacted the bank asking to pay the full balance without interest on XX/XX/XXXX, but they declined to receive it since payment is due on theXX/XX/XXXX of each month ( attached ). 
The refusal is not acceptable, so I think that : 1- The calculation of interest must be applied to the balance, not to the initial total amount ; 2- Interest must be charged from the end of the promotional period and can not be retracted ; 3- The modification occurred during the period beginning on XX/XX/XXXX, and ending earlier of XX/XX/XXXX, or 60 days after the end of the national emergency. 
4- Section 4013 of the CARES Act ( 15 U.S.C. 9051 ) is amended on XX/XX/XXXX in subsection ( a ) ( 1 ), by striking XX/XX/XXXX and inserting XX/XX/XXXX ; 5- I have requested all of my statements from the first to the oldest that appear on the website that dates from XX/XX/XXXX and they do not provide it to me. 

The complaint is for Syncrony Bank to withdraw the abusive interest because the change occurred during the term of the Cares Act and the amendment of XX/XX/XXXX. 

Or remove the interest on the entire amount and start charging on the balance and from the end of the promotional period. 

Provide me with all statements from XX/XX/XXXX to XX/XX/XXXX.
Product: Vehicle loan or lease

I am up to date with payments never been 2 months late and why my credit dont go up when I pay my bill over a year now but soon as one payment have a problem because my bank my credit go down and I been never late my credit never went up paying this bill.
Product: Debt collection

They send me a letter stating everything was paid for. I took the letter to the courthouse in 2017. All was resolved. The company has gone out of business no longer exists and they are still trying to do this after I have shown them their own letter and have explained it isn't legal for them to put this on my credit