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

For account name XXXX, there is inaccurate information being reported on my Transunion credit report. I disputed the following and was never contacted by Transunion of their investigation : Account Type : Showing Open when its a closed account Open/Closed- This is left blank, however it is a closed account Term : Missing information Status : Missing information Past Due amount that was paid : Missing ( see attached credit report ) For account name XXXX XXXX XXXX there is inaccurate information being reported on my Transunion credit report. I disputed the following and was never contacted by Transunion of their investigation : Account Type : Showing Open when its a closed account Open/Closed- This is left blank, however it is a closed account Term : Missing information Status : Missing information Past Due amount that was paid : Missing ( see attached credit report ) Their is a bankruptcy that is listed as dismissed. According to the Bankruptcy Court 's Clerk 's Office, they do not report bankruptcies to any consumer credit reports. If this is the case, then how did this get reported to my Transunion credit file when it does not show on XXXX & XXXX? 

These accounts should be reviewed corrected/deleted from my credit report.
Product: Money transfer, virtual currency, or money service

We were involved in a scam through XXXX XXXX, and a purported XXXX XXXX representative that assured us he was reversing a myriad of unauthorized crypto transactions on our XXXX debit card via PayPal. When we realized we were being played, we contacted XXXX on XXXX XXXX a fraud case was opened. On XXXX XXXX determined it was fraud and returned {$4100.00} to our checking account. Right after that we started receiving texts from PayPal to sign into our account, which we did and it showed we now had a negative balance of {$4200.00}. The amount they had returned to XXXX was now the negative balance on our PayPal. Right after that I called PayPal and spoke with a XXXX, explaining the situation XXXXnd filing a complaint. I was told I would hear back from them within two weeks or so. To date, we have not received a response. After repeated texts from PayPal and phone calls from their collection company, demanding reimbursement of the money they had refunded XXXX, we called their dispute dept on XXXX XXXX talked to a XXXX about the issue. She could find no notation about XXXX report or findings. We were told that PayPal was questioning whether XXXX credited us back twice, and if so, we did owe the balance.they claimed due. She said to send our bank statement showing the credits to our account. Obviously, after being scammed, we were nervous about sending our statement XXXX the advise from the XXXX fraud division lawyer was to not send our XXXX statements to PayPal. The collection phone calls resumed. We then called PayPal again on XXXX. We spoke with a XXXX in the dispute department. I asked her for XXXX report, XXXX she too found nothing, XXXX repeated that our XXXX statement would trigger a reinvestigation of the case. We stated our reluctance, offered them the XXXX case number and contact, and asked her to contact them for that information. She declined.

We are very frustrated, and not sure what to do next. Should we send them a blacked out copy or our statement? When we asked for a direct email address to send information, we were told there is none. We finally got a mailing address to mail the bank statement to, but at this point with so many questions still unanswered, we are not comfortable doing that. There was no duplicate credits to us and the scammer is the only one that profited from this mess. We are so annoyed and frustrated at this point, hence the complaint. We call, we dont get answers to our questions or explanations, at times it felt like we were talking to a brick wall, a polite brick wall, but still a wall!
Product: Mortgage

The company Nations Lending practices predatory lending. When transacting with their senior loan officer XXXX XXXX NMLS # XXXX, she intentionally gloss over important information. For example, she gave false information about the impact on my credit file. She claims that since I am shopping for mortgage within 30 days multiple credit inquiries will not impact my credit scoring at all. When in fact it does just to a lesser degree. I repeatedly asked her if they have jumbo loan rates with no points that is lower than a specific number I am already working with. She was very vague and evasive without committing. Most other lenders have no problem with disclosing. In the end, she gave me a rate that I need to pay over $ 30K of points for. She didnt even discuss it in specific details directly when I asked for it and tried to bury this key information in the initial disclosure paperwork. 

After reviewing other complaints filed with the XXXX I felt this is a company wide issue and want to bring this to your attention so others are aware and warned.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on a cares act COVID19 forebearance. When it came time to go into repayment, XXXX XXXX mistakenly ( purposefully? ) put our loan into foreclosure status and processed a traditional loan modification which should have never been the case, as we were eligible from the beginning for a COVID19 repayment modification which just tacks on the missed payments to the end of the loan. This action significantly negatively impacted my credit report. I was also forced to provide several personal documents to the mortgage company including my bank statements, paychecks, and a complete hardship explanation which I believe is illegal for them to ask for. We repeatedly received threatening statements that we were due to pay the entire balance of the forbearance payments by XXXX which should have NEVER been the case.
Product: Mortgage

On XX/XX/2020 I contacted Shellpoint Mortgage Servicing to request forbearance of my loan in light of the pandemic, unlivable condition of my home as a result of mold from Hurricane Harvey, a lack of running water and working sewage there, and other extenuating factors. Shellpoint refused to allow forbearance or negotiate with me in any way. As a result, the home remains unlivable and they have reported so adversely on my credit that it has suffered considerably. My ability to borrow or obtain new financing has been hurt considerably and I have decreased lending power on account that they will not make a payment arrangement with me and they will not allow forbearance but continue to report very adversely on my credit to the three bureaus. They bankrupted us and then sued to foreclose anyway in XXXX and refused to negotiate under any condition.
Product: Credit reporting

Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.
Product: Credit reporting or other personal consumer reports

Disputing for inaccuracy with credit reporting agency, Equifax. I ask that the attached dispute letter is properly assessed and the credit reporting agency conducts a proficient and truthful investigation of the account reported. I have already verified my identity in the dispute letter attached.
Product: Credit reporting or other personal consumer reports

This account was already handled by the insurance but the whole time ( even 3 months after the declared loss ) they were still reporting late payments. This contract was fulfilled and paid out as promised. PLEASE REMOVE THE LATE PAYMENT STATUS ASAP.
Product: Payday loan, title loan, or personal loan

Affirm sold my loan to a collector called XXXX XXXX. Affirm no longer owns my loan. Affirm has continued to report to the credit bureaus as though they own my loan. I have paid XXXX XXXX as affirm asked me to, but they will not stop saying that I owe them the full amount despite giving them the confirmation letter for payment from XXXX XXXX five times.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found incorrect information on my credit report that violates 15 USC 16c-2. This erroneous data is harming my creditworthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liab
ility for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading
Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting

I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ca n't be verified i want it to be removed from all XXXX credit reporting companies, transunion, XXXX, and XXXX.
Product: Mortgage

The loan was paid in full on XXXX, now they are sending foreclosure notices on the mortgage. Contacted the company about closing this account several times but have yet to receive updated information that was requested.
Product: Credit reporting or other personal consumer reports

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian to have them remove XXXX XXXX negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two dispute letters via USPS certified mail to Experian in the past few months. Each time, they reply back to me with an automated response stating the account I was disputing " has been verified. '' I have requested in each letter I sent, the name of the person from Experian who has verified these accounts along with the documents they are required to have on file proving the accuracy of these accounts, however I have never received any of this documentation. I have reached out to them two different times and nothing seems to be getting done as it should be.

There is an account starting with XXXX on my credit report from a company I have never heard of nor been associated with called " XXXX XXXX XXXX. '' I have never signed any kind of contract with this company, never received any kind of services from this company, and I have no obligation to any debt listed by this company that I have never even heard of. I have requested validation for this account in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX XXXX  starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report.
Product: Debt collection

I noticed an account placed on my credit by this company. How do you want me to pay a debt but have yet to verify who or what you are? Furthermore, if the company as yet to validate the debt it is not fair practice to keep placing this on my credit! Collecting on a debt but refusing to send proper validation! Unbelievable!
Product: Credit card or prepaid card

Citibank knowingly and willfully misapplied a payment I made to my credit card account. They applied the payment to a balance with a lower interest rate first before applying the payment to a balance with a higher interest rate. This is in complete violation of The Truth in Lending Act. When I asked that they correct their error, they denied my request. 

Here are the details : Per my XXXX statement, ( Exhibit A ), the account balance was divided between two balance transfer offers. One offer was for 0 % that expired XX/XX/XXXX and then went to the standard rate ( over 19 % ). The other balance was at 1.99 % until paid in full. 

On XX/XX/XXXX, the day AFTER the 0 % balance expired, I made a payment of {$4400.00} as shown on my XXXX statement ( Exhibit B ). Earlier in the billing cycle, I had already made the minimum payment of {$81.00} on XX/XX/XXXX as also shown. 

In XXXX, the Credit Card Accountability Responsibility and Disclosure Act amended the Truth in Lending Act as follows : Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

However, Citibank violated this act by applying my XX/XX/XXXX payment first to the balance with the 1.99 % interest rate ( which essentially zeroed that balance out ) before applying the payment to the balance with the 19 % interest rate. I found this out when I called Citibank on XX/XX/XXXX and they said that my remaining balance {$860.00} was at the 19 % interest rate. I told the customer service representative that Citibank did not apply my payment per the law. The representative agreed and stated he would submit a request to apply my payment correctly. I called Citibank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see if this had been corrected. On XX/XX/XXXX, the representative said that Citibank had denied my request to have my payment applied per the law. 

Thus, I am filing this complaint as Citibank blatantly violated the law in order to illegally charge me a higher interest rate on my remaining balance.
Product: Vehicle loan or lease

When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX  on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.
Product: Credit reporting or other personal consumer reports

I would love to pull my credit report so I can dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed five complaints with Transunion because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact XXXX XXXX but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if XXXX XXXX is telling me a card doesn't exist under my identity why does Transunion insist that it does. I do not understand how Transunion thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.