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

When reviewing my credit reports from the three credit bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on my accountwith guild mortgage. i have consistently upheld my payment obligations without delay. I request that you correct the true status to any and all payments to show on-time/paid as agreed status. Thank you
Product: Credit card or prepaid card

When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. 
Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. 
Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. 
Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. 
Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX  Phone : XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX, XXXX, Texas ] [ XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Vehicle loan or lease

The XXXX XXXXXXXX XXXX I had financed through XXXX XXXX Credit Acceptance was repossessed. I received paperwork that it had been sold for I believe it was around {$10000.00}. I reached out a few weeks after that to set up a payment plan. With life getting hectic with XXXX XXXX relationship I was in, I had to move immediately. With all of that and trying to keep my son safe, I had not reached out to them again until I served paperwork from XXXX, XXXX XXXX XXXX. The amount was for the original amount of the car loan. With this being incorrect information, it is incorrect on my credit report and my clearance paperwork for my job. The paperwork was sent to my employer for a garnishment for the incorrect amount. It has also flagged my XXXX clearance, and I am at risk of losing my clearance and job because of this. I reached out to XXXX XXXXXXXX Credit Acceptance and XXXX, XXXXXXXX XXXX XXXXXXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. I want it removed please
Product: Debt collection

On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to Resurgent Capital Services L.P. for the original creditor XXXX XXXX  ( XXXX XXXX XXXX ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX Resurgent Caital Services/LVNV Funding had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX Resurgent Capital Services/LVNV Funding LLC had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from Resurgent Capital Services requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor acceptance is reporting incorrect information on my XXXX credit report for XX/XX/2023. I have contacted the on multiple occasions for them to correct the issue. I have not been successful. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Madam/Sir, Please help us to solve this issue ( A recurrence of the issue is the same situation as the previous COMPLAINT ID : XXXX, SUBMITTED : XX/XX/year> ). 

The issue is stated below : * ( Before Due Date XXXX ) Outstanding Principal Balance : {$100000.00} * ( For The Due Date XXXX ) - Payment Requested : {$1000.00} - Interest : {$650.00} - Principle : {$340.00} * Total We Paid : {$6600.00} = {$1100.00} ( Paid by XXXX XXXX ) + {$5500.00} ( Paid by XXXX XXXX XXXX ) * Mortgage Department / East West Bank - Received {$1100.00} on XX/XX/year> - Received {$5500.00} on XX/XX/year> * ( Interest For Due Date XXXX ) {$650.00} * ( Total Principal Reduction For Due Date XXXX ) = {$5900.00} ** {$5900.00} = {$340.00} ( Principal Reduction from {$1000.00} for Due Date XXXX ) + {$130.00} + {$5500.00} ( Extra Principal Reduction for Due Date XXXX ) * Therefore : For Due Date XXXX, The statement should be : - Outstanding Principal Balance : {$100000.00} - Payment Requested : {$1000.00} - Interest : {$610.00} - Principle : {$380.00} * But, in the statement : Mortgage Statement ( Statement Date : XX/XX/year> ) ** Next Payment Due Date : XX/XX/year> - Outstanding Principal Balance : {$100000.00} ( Incorrect ) - Total Amount Due : {$1000.00} - Principal : {$350.00} ( Incorrect ) - Interest : XXXX ( Incorrect ) ( # 1 ). We request to make the correction of the Outstanding Principal Balance on the statement of Next Payment Due Date : XX/XX/year> : - {$100000.00} ( Incorrect ) - {$100000.00} ( Correct ) ( # 2 ). We requese to revise the statement for the Next Payment Due Date : XX/XX/year> - Payment Requested : {$1000.00} ( Correct ) - Principle : {$380.00} ( Correct ) - Interest : {$610.00} ( Correct ) ( # 3 ). The error recurrence happened which is the same situation as the last time we had reported. We can't help needing to report directly and also want to know whether they are always on purpose doing so. 


***** We appreciate your precious time and help. ***** Thank you. 

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

I sent a letter on XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX A
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) SECTION States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fraudulent account identity theft XXXX XXXX XXXXl Amount XXXX Account XXXX Date open XX/XX/18 Account was deleted but somehow continues to reappear on Equifax credit report
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

One Main Financial has called me repeatedly multiple times a day. 
from XX/XX/XXXX - XX/XX/XXXX they called me XXXX times a day, multiple times a day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these are just the dates that I counted. this goes on almost every day. XXXX sending me emails as well. 
This is harassing me and I want it to STOP! XXXX phone call a day is alittle ridiculous but
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX have violated my rights. 

XXXX U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccuracies for XXXXXXXX XXXX XXXX Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. Equifax reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX Times 30/60/90 Days Late : XXXX reports XXXX. Equifax reports XX/XX/XXXX. XXXX reports XXXX Payment History : XXXX reports No history available. Equifax reports Youve made 65 % of payments for this account on time. XXXX reports Youve made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX XXXX  XXXX Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. Equifax reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : XXXX reports XXXX. Equifax reports XXXX. XXXX reports XXXX Payment History : XXXX reports No history available. Equifax reports Youve made 17 % of payments for this account on time. XXXX reports Youve made 21 % of payments for this account on time.

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my trans union credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply within required timeframe. 
XXXX is a repeat and habitual offender. 
XXXX XXXX, on XX/XX/2023, XXXX from EQUIFAX did acknowledge and confirm the receipt of Victims Complaint. 
XXXX has failed to comply.
Product: Checking or savings account

On XX/XX/2020, victim was induced into thinking he was sending money to rent an apartment, but instead, the fraudster induced him into sending {$2000.00} through XXXX and defrauded his Chase bank account ending XXXX of {$2000.00} through multiple unauthorized XXXX transfers. 

Chase bank has denied the victim the return of his money.
Product: Debt collection

On XX/XX/18 I contacted PRA -- Portfolio Recovery associates in XXXX, VA on their XXXX number to arrange payment of three settled credit card accounts my attorney had worked out with their attorney. I made payments for {$350.00}, {$370.00}, and {$600.00} to them by phone. 
The first payment of {$350.00} went through my XXXX XXXX XXXX account and subsequently showed as resolved on my credit profile at XXXX XXXX -- which improved my credit rating. The other two payments were confirmed by mail from PRA 's office in XXXX, CA showed up on my bank account and then disappeared. I have been unable to resolve this mixup ever since -- by email and phone and am repeatedly referred back to my attorney. 
I have emailed my attorney again as of today -- sicne I was told to pay the original amounts instead of the settle amounts. I think this is an ugly way to run a debt collection business. 
The agent son the phone said the payments must have bounced because of insufficient funds. This is XXXX XXXX. I had several hundred thousand dollars in that account at the time. One of 3 debits got processed. The other 2 didn't and they're blaming me for insufficient funds. I attempted to make full timely payments and they are refusing to cooperate in a reasonable manner.
Product: Checking or savings account

U.S. Bank opened up a an account under my name without my permission is controlling my account without my permission. I dont have access to my account. this account does not even link to my address. Someone fraudulently and scheming opened up this account under my name I believe to make all these false claims and put me in debt. This bank account is still under my name till this day and I want it closed. They will not close it for me and Im continuing to try to explain to them that Im not safe with them. They dont take me serious. Theyre trying to control my money and transfers, so I want to put a complaint on them and see if theres anyway you could please help me so the account could be removed and close all the way I dont want nothing under my name related to U.S. Bank . That account is sabotaged and just recently, there was an unknown transaction made on it that was fraudulent for {$150.00} I told him that was not me. Please slag it and return my money back please as soon as possible they did not listen. They did not wan na help me and I got very offended. Realize that that moment this is not who I want to Have financial services with if theyre not going to listen to me or take me serious., so I want to put a complaint on them and see if theres anyway you could please help me so the account could be removed and close all the way I dont want nothing under my name related to U.S. Bank . That account is sabotaged and just recently there was an unknown transaction made on it. I explained to them what is this? Please take it off. They did not want to take it off. they continue to give me different information every time I called inquiring updates.This is a very shady situation and I would appreciate if it could be taken seriously because Im trying to make it clear to them that I do not want my name under US Bank or any type of account under my name with them. 

XX/XX/XXXX there was a random charge made on my account for {$150.00}. I told him I did not do that. They did not take into consideration what I said or even tried hopping putting the money back on continue to lie to me and the fee, I dont wan na be responsible for any type of fraudulent or weird purchases through a merchant from what I told it was a merchant that had a pending transaction and they had made it on my account and they couldnt give me any information which really upset me so I want this because All my money was stolen and they dont care. They think Im lying but Im serious. Im sending you a picture of what the business was called. Please help me close all these accounts. I dont want my name with U.S. Bank . I dont feel safe with them they are a fraud and very unprofessional. Thank you so much.
Product: Checking or savings account

I accepted an off at First Tennessee Bank that if I started a new checking account with direct deposit I would receive a {$200.00} bonus. After 3 months I received no bonus I asked them how long it would take and at that point I was told that I didn't qualify since I had a savings account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. XXXX has since deleted both of the accounts because they could not be verified so how is XXXX and Transunion still reporting these accounts? Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.