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

TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. TransUnion is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. TransUnion keeps stating that they verified that these accounts are mine. How could they when the XXXXXXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XXXX XXXX, XXXX? These accounts have appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH XXXX XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXXXXXX XXXX # XXXX These are not my accounts. I did not authorize these account to be on my credit file.
Product: Credit reporting or other personal consumer reports

These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions.
Product: Credit card

I was told on XX/XX/XXXX  that I only owe {$20.00} for an annual fee. The bill was for {$81.00}. I had paid that online, called them & they said they would credit me {$61.00}, and now they tell me they can't. I'm a senior & very upset. My balance on my credit card is XXXX. This is annual fee only. Thank you!
Product: Checking or savings account

My checking account said funds are currently unavailable to be withdrawn. Every time I would call capital one I was sent to a voicemail line. After several days I was finally able to get in touch with someone. I was told my account was closed due to an internal review by the back office and its was decided they would no longer be doing business with me. I asked what the reason was a was told they could not tell me because it would interfere with the integrity of the investigation. I asked what was being investigated and they told me they could not tell me. The person said I know this is vague but I cant tell you. Your remaining funds in the account will be returned to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so Experian and XXXX  are using incorrect information on re-aged accounts
Product: Credit card

Hi, I have been a CapitalOne customer for over 4 years now. I have a Quicksilver credit card. Last year in XX/XX/year>, I used the credit card at a spa in Massachusetts. The spa automatically signed me up for auto-billing for {$80.00}. I told them in person, over the phone and via email that I am not interested in a monthly payment plan. The spa acknowledged this but went ahead and charged me for the months of XXXX and XX/XX/year>. I filed a dispute with CapitalOne. For the month of XX/XX/year>, the merchant accepted that they were at fault and CapitalOne resolved the dispute by crediting me back. However, for the month of XXXX, CapitalOne says that the information is insufficient. This doesnt make any sense because it is the same merchant, the same card, and the same amount that was billed for two months. If the evidence for one is sufficient how can it be insufficient for the next month? I have called the customer care and escalated it to the managerial level several times. Each time, they ask me to send evidence and then it never gets resolved. This has led to late-fees and interest accumulating on my card and has affected my credit score. On top of this, I keep getting calls from debt-collection asking me to pay the amount.
Product: Credit card or prepaid card

Sears/CBNA ( Citibank ) refuses to provide a payoff balance to my mortgage company so I can pay off the credit card with a refinance. They claim it's against federal law to do so.
Product: Debt collection

original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these items removed from credit profile XXXX XXXX  .XXXX..XXXX  XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert that there was a hard inquiry pulled on my transunion credit report from SYNCB/PAYPAL. Per FCRA information can not be reported without my authorized consent. I never authorized this.
Product: Credit card or prepaid card

I accidentally paid my bill on my XXXX XXXX XXXX XXXX credit card a few days late the last 2 months due to medical issues and being in and out of the hospital, however the bills were paid. The company suspended my use of the card, then decreased my credit limit from {$1600.00} to {$950.00}! I have had this card for over a year and this was the first time I have ever had any issues!
Product: Debt collection

I mailed PMAB a letter requesting legal validation of this debt on XXXX/XXXX/2016. They have not responded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  card account is incorrect it should reflect a XXXX dollar balance buts its showing a balance of XXXX which is incorrect please remove this and please update the correct balance that should have never been reported bc the account has been paid
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> a copy of my credit was pulled on XXXX Also XXXX from a company called One main
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below Experian is giving me 3 different scores across 3 different platforms. Same is with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, On XXXX XXXX I mailed ( tracking # XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Equifax failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # XXXX ) a letter requesting Equifax 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation?

3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4 What did it cost your company to obtain the documents needed to complete your investigation?

5 Please provide proof of your timely procurement of certified documents.

6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9 Provide the date of the commencement of delinquency.

10 Provide the SPECIFIC date reporting that these items will cease.

Equifax did not provide to me the information required by law within the allotted time frame to provide this information. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and per the communication from XXXX and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent addresses on my consumer report, along with fraudulent transactions and accounts being furnished on my consumer report. These addresses were not properly verified or validated. I noticed the problem in XX/XX/2023. I called consumer reporting agency to notify them of the inaccuracies.
Product: Vehicle loan or lease

On XX/XX/2021 I, XXXX XXXX XXXX XXXX engaged in a " consumer credit transaction '' with my " credit card '' that was issued to me by the " credit card issuer '' - Social Security Administration-pursuant to ( 16 CFR 433.1 ( h ) ) with XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital in which a " Finance Charge '' was involved that is stated on the " consumer credit contract/purchase money loan '' pursuant to ( 16 CFR 433.1 ( i ) ) and ( 16 CFR 433.1 ( d ) ). During the transaction the dealership representative in the sales department was using violent sales tactics and inappropriate language by saying " I needed to register my vehicle with the state and pay the first payment on time to perfect the lien '' so the dealership would not be responsible for the payments. Also, the sales representative said if I do not do such a thing XXXX XXXX XXXX XXXX XXXX XXXX would come and repossess/steal my vehicle. Second, the sales rep said " if I did not verbally agree with him about " perfecting lien '', " he would not sell me the vehicle. '' Furthermore, after reviewing the contract I have found an abundance of fraud within the consumer credit contract/purchase money loan and lack of Material disclosures. 
Pursuant to section 12 CFR 1026.15 ( a ) ( 3 ) and pursuant to the Truth in lending Act and Regulation Z ( 12 CFR 1026 ). The material disclosures that the sales manager said I do not have right to, because it's only for " mortgages '', is my " right of rescission '' disclosure pursuant to ( 15 USC 1635 ) ( 12 CFR 1026.15 ) my " right to reject the arbitration agreement '' and the fact that the transaction was on a " open-end credit plan pursuant to ( 12 CFR 1026.5 ( 1 ) ( A ) ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection account twice with Equifax and XXXX XXXX XXXX to remove an inaccurate account. Equifax responded back to both disputes stating the account is " accurate '' as is and it will be staying on my credit file. XXXX XXXX XXXX is a collection company, this collection company and all monies owed to them for original creditors was covered in my Chapter XXXX Bankruptcy. XXXX XXXX XXXX recently sold " debt '' to another company called XXXX, XXXX who is now listed on my Equifax credit file. I sent the appropriate paperwork to Equifax substantiating my claim and they still claimed the account is accurate as is.
Product: Mortgage

I am a widow that got diagnosed with XXXX XXXX XX/XX/XXXX. My prognosis was not good and I had no other recourse because of medical and financial reasons to let my California home, my primary residence, be sold at a non-judicial Trustee Sale for the first deed of trust XX/XX/XXXX. On that day, the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, for {$410000.00} which satisfied the {$380000.00} first deed of trust in full. XXXX was servicing the first deed of trust loan. I received a 1099A from XXXX to support the result of the XX/XX/XXXX Trustee Sale. The XX/XX/XXXX, 1099A was correct and I filed it with my XX/XX/XXXX taxes. To my alarm on XX/XX/XXXX, over a year later, I received a 1098 for XX/XX/XXXX, from a company I did not recognize, New Rez LLC dba Shellpoint, showing that I was still the mortgage holder and still responsible for the {$380000.00} loan and still the owner. The XX/XX/XXXX, 1098, showed that I paid into an escrow account in XX/XX/XXXX for {$2100.00} for property taxes. I never paid into an escrow account, and the {$380000.00} was satisfied in full. The 1098 showed NewRez acquired my loan XX/XX/XXXX. The 1098 was erroneous ; should not have had my name on it. I immediately contacted the company by certified mail and fax, providing legal documents and correspondence advising that I am not the owner effective XX/XX/XXXX. I followed up with a phone call to the company. I spoke with XXXX, a rep in customer service. She acknowledged that the company had received my legal docs and correspondence. I asked to speak with her supervisor. The supervisor, XXXX XXXX, refused to speak with me saying through XXXX, that NewRez would not take my name off of the loan and NewRez would not send me a corrected 1098. NewRez recognized me as the mortgage holder/owner. Ms. XXXX said I DO owe  the {$380000.00} mortgage though they have the legal docs proving otherwise. The stress of this situation is almost too much to bear. I have since discovered that NewRez purchased XXXX. I have also discovered the property has been sold twice since I owned it, once XX/XX/XXXX and again XX/XX/XXXX. I feel NewRez is knowingly trying to take advantage of me and intimidate. 

I have uploaded files to submit. The Trustee Sale document shows that the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, on the date of the Trustee Sale, XX/XX/XXXX which is the date my ownership ended. The other document is from XXXX County, the county where the property is located, shows the Trustee Sale was recorded XX/XX/XXXX. ( Personnel from XXXX County say the delay to record is normal. ) I have submitted the correct 1099A for XX/XX/XXXX from XXXX. I have submitted the incorrect 1098 for XX/XX/XXXX from NewRez. Thanks so much for your help.
Product: Credit reporting or other personal consumer reports

I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX  XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had Lexis Nexis dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.
Product: Mortgage

We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. 
Please help! This is a simple approval extension.
Product: Debt collection

3rd party company Is reporting negative false information on my credit report. I don't have a contract with Midland Credit Management.I need original contract with my sign where it shows I owe them this debt. XXXX keeps denying to get this matter resolved.
Product: Mortgage

I refer to Nationstar letter dated  XXXX   XXXX   ( copy a ttached ) and wish to state as under  : 1. ) They say I got a Loan Mod as  of  XXXX   XXXX . In fact I had already mentioned about it and also stated that, that was not under HAMP. It was an in-hous  e Loan Mod.
2. ) Hence I was fully eligible for a HAMP Loan Mod. and submitted a Complete HAMP Loan Modification Package, which they confirm having rece  ived on  XXXX   XXXX . Now they are conveniently saying that it was an " incomplete package '', without ever mentioning what was missing, before the  XXXX   XXXX  deadline.    3. ) If it was, incomplete, then are they not supposed to ask immediately, as to what was missing? When my 3rd Party called to enquire about the status, instead of asking for any missing documents, they were only being told that I am not eligible for a Loan Modification, as I am regular with my payments.     4. ) Now, they also admit that they made a mistake in not reviewing my Loan Mod under HAMP, until  perhaps  XXXX   XXXX . How can they make such a big mistake and now turn back and say t hat HAMP exp ired on  XXXX   XXXX  or the package was incomplete, when they had my complete package by  XXXX  and no missing document request was ever sent to me before  XXXX   XXXX ?    5. ) Wha tever docs. requested through the  XXXX   XXXX  letter and subsequent letters were all submitted promptly b y my 3rd part y.
Product: Money transfer, virtual currency, or money service

Hello During XXXX, I obtained a money order in the amount of {$500.00}, there was not a fee to obtain the money order. I subsequently lost the receipt that comes with the money order and inadvertently made the order out to the wrong person. I tried to correct that error by drawing a line through the payee portion and write in the correct payee. I was told that because of this, the order was not any good. I then tried to return the order for a new one or get my money back. I was told that because I did not have the receipt I could not get my money back. I still have the money order in my possession and would just like to get my money back minus the stop payment fee or get a new order in the same amount. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX Equifax XXXX XXXX {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX