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

On XX/XX/XXXX my granddaughter went in to XXXX of XXXX XXXX to test drive a car. We told them that we were preapproved by XXXX and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how equifax has violated my right.
Product: Money transfer, virtual currency, or money service

- On XX/XX/2022 : I initiated a transfer of {$600.00} from U.S to XXXX for my mom using MoneyGram service. 
- On XX/XX/2022 : My Mom went to her bank to check for the money using the reference number given by MoneyGram but the transaction was not successful. 
- MoneyGram wrongfully updated the status of the transfer as deposited on my mobile app despite the problem. 
- I called their customer service to report the problem. They assured me that they would contact my mother 's bank to investigate the case. Received case number XXXX. 
- On XX/XX/2022. I received their resolution email, which said that there was a delay and they wanted to give me back the transfer fee for the transaction. 
- On XX/XX/2022. My mom went to the bank to check for the money again. It was still unsuccessful. I contacted MoneyGram customer service again and all they did was give me a new case number XXXX. 
- On XX/XX/2022, I got an email from their XXXX XXXX XXXX. He offered no help but just simply said that I had been given the resolution to the issue. He was referring to case XXXX which solved nothing. 
- Not only that, but my mom also went to the headquarter of her bank in my city to ask about the status transfer. We learned that MoneyGram made a mistake, the bank representative told us that the information about the receiver 's country was wrongfully set, thus stopping the transaction from being deposited correctly. 
- I filed another complaint and let them know about the issue on a new case number : XXXX. I also called their customer service and got told that they will try to resolve the issue in 15 days. 
- Today is XX/XX/XXXX and yet there was no answer from MoneyGram. I had to call their customer service just to get told that they will carry out an investigation and tell me to wait another 90 days. 
- Just to note that from XX/XX/XXXX on, I have restlessly tried to contact them multiple times but they keep putting me on a 90-day wait time for a new investigation. The very same kind of investigation that resulted in nothing and I doubted they did talk to my mom 's bank because if they did they would have figured out a long time ago what the problem was. 
- It's been nearly two months and my money is still up in the air. MoneyGram can't just keep customers ' money hostage like this because money affects people 's lives. My mom is desperately in need of that money but she had no other choice but to lend money from a third party that costs her a hefty interest payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon speedy cash in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.
Product: Debt collection

XXXX XXXX HAS ATTEMPTED TO COLLECT FROM ME IN THE PAST REGARDING ACCOUNTS WHICH WERE A RESULT OF IDENTITY THEFT. THEY HAVE NOT SENT ME ANY LETTERS TELLING ME THAT THE ACCOUNT THEY ARE COLLECTING WAS ACKNOWLEDGED AS ID THEFT, AND I WOULD LIKE THEM TO OFFICIALLY ACKNOWLEDGE THAT THE INFORMATION IS NOT MY ACCOUNT AND SHALL NOT REAPPEAR ON MY CREDIT REPORTS. 
THEY NEED TO ADVISE ME THAT THEY ARE NO LONGER ACTIVELY OR INACTIVELY PURSUING ANY DEBT COLLECTING WITH REGARDS TO ME AND THAT THEY HAD ONLY PREVIOUSLY DONE SO AS A RESULT OF ID THEFT, AND THAT ANY ACCOUNTS WILL NEVER BE REPORTED IN THE FUTURE.
Product: Debt collection

In reviewing my annual credit report, I noticed that there was a 30 day late reporting on my credit report from  Home Depot,  even though automatic payments had been setup by them and paid satisfactorily for years.     For several years now, each month on or around the  XXXX , automatic payments of {$150.00} were debited from my bank account to pay  Home Depot . These automatic payments were setup by a  Home  Depot Representative years ago, and would continue until my account was paid in full. I was absolutely shocked when I realized tha t Home Depot h ad reported negatively on my credit report and had not attempted to contact me regarding the remaining balance of {$11.00}.     I contac ted Home Depot to  inquire and to attempt to resolve the reporting discrepancy and I was told that the final payment for {$11.00} had not been debited from my account because their system was only setup to take the monthly payment amount and that since my balance was only {$11.00}, their system would not make the payment. When I asked why they did n't contact me or send a letter,  (  which they 're required to do before reporting negatively ) the representative simply stated that a generic letter was sent to me about my account being paid off, but nothing to warn me of the potential late payment or that a negative report would occur. In addition, I was told that there was no attempt to contact me and that the company decided to simply charge off the remaining balance, after years of satisfactory, on-time payments.     I made several different calls t o Home Depot,  I was transferred many times and my dispute has been escalated to various different managers in different positions and neither has accepted their error or agreed to correct it.  XXXX  at  XXXX  was the las t manager t hat I spoke to regarding this reporting error and she is not returning my calls. I spoke with her initially months ago, she then called to gather additional information from me and now I have left  two  messages for her, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted my XXXX Veteran exemption decision paper to my mortgage company ( First Community Mortgage ) on XXXX of XXXX and they advised my that the request will be done not later than XXXX of XXXX and I followed with them by phone on the mentioned date and they confirmed that the exemption is been approved from the tax department on the company and next step will be the escrow re analysis in order to correct the number and apply the new numbers and they advised me that anticipated finish date for the re analysis is today XXXX of XXXX. 
After a long no professional call the told that the request been closed yesterday without applying the exemption!! 
I am totally frustrated and I need help in this case. 
Also I want to mention that I had similar situation with deferent mortgage company and previous home exemption I did for 4 consecutive years and It was as smooth as just submitting my exemption and I notice the change in my account online after 2 weeks.
Product: Credit card

I requested a copy of my original signed contract from Barclays financial and was sent a copy of a standard contract without my signature on it. I also requested that the company provide me with a replacement card because I lost my original card and do not have access to the online portal because of it and was denied. I also requested help to reset my online portal or to obtain my original card number in order to log into the online portal and was denied. Barclays financial is required per SEC filings to abide by certain rules pertaining to consumer credit protection. If this issue is not resolved I will file a complaint with the comptroller as well as with the FDIC related to the companies involvement in securities fraud. Under TILA I am entitled to the fore mentioned. I am requesting this issue be resolved within 30 days or I will take action by starting a federal law suit. 
Installment Loan with XXXX 's bank partner, Barclays XXXXartner Finance, a trading name of XXXX XXXX XXXX XXXXXXXX, a wholly owned subsidiary of Barclays Bank PLC, ( Bank ). 
I spoke with a representative on XX/XX/ XXXX  at approximately XXXX XXXX EST.
Product: Credit reporting or other personal consumer reports

it has come to my attention that this acct attributed to me or either not mine we're not properly investigated or contain an accuracies due to your willful negligence your misrepresentation of the facts has caused me harm and injury and I demand an immediate correction and updating of this account without further delay XXXX by XXXX : XXXX By me reserving my rights under the administrative procedure you have blatantly failed to follow your own policies this is negligence and it's unacceptable I demand immediate compliance with the proper procedures without exception or delay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  Account # XXXX has violated my rights. 

Fair Credit Reporting Act : XXXX XXXX XXXX section XXXX A. XXXX I have a right to privacy.

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

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. XXXX XXXX XXXX XXXX XXXX Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXX PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 has violated my rights. 

15 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 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 item 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: Student loan

A few months ago, I called FedLoan Servicing 's customer service line in order to request deference of my existing federal student loans. I received three seperate student loans in XXXX, XXXX, and XXXX, respectively. FedLoan servicing 's CS representative told me that I was in " good standing '', and that my deference had been approved. However, FedLoan claims that this never happened, and they listed my loan as " delinquent '', sending it to the Department of Education. When I called FedLoan to resolve this, they repeatedly denied any responsibility, and told me " we can not help you any more, your loan has been transferred ''. The customer service for FedLoan was uphelpful and abyssmal, rude, consistently wasted my time, and treated me in a very callous and uncaring way, and the FedLoan supervisor did nothing to alleviate the situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

My original loan amount taken out on XX/XX/XXXX was for {$670000.00}. The new loan amount is now {>= $1,000,000}. Because my loan was a Negative Amortization aka Neg-Am ARM Loan which was deemed illegal as per the XXXX Dodd-Frank Act because it contained both an Interest Only component and the Neg-Am component in which all lenders were required to modify ALL Neg-Am loans because of the Taxpayer Bailout banks and finance companies received during the XXXX Economic Collapse. It was determined that many banks and finance companies did not follow these required instructions and it appears my loan could be one of those loans because there is no way my loan balance would have almost doubled from XXXX to XXXX. I understand the bankruptcy would have increased my loan balance owed due to unpaid interest, late fees and unpaid Escrow Account to pay property taxes and homeowners insurance but there is no way it should have resulted in my new loan balance being {>= $1,000,000}. The only way this happens is because the loan still has/had an Interest Only and Neg-Am component along with unpaid interest, late fees and unpaid homeowner 's insurance and property taxes. 

My most recent Loan Modification was requested and denied on XX/XX/XXXX I believe it was based on my new loan balance of {>= $1,000,000} which makes it impossible for me to meet the DTI ratio requirement to qualify nor be able to make the new monthly payment. 
It is my understanding that you have the power to halt a foreclosure while its investigation is underway as well as force the lender to offer the Loan Modification relief that should have offered between XXXX XXXX which could include a very large principal reduction. Thank you
Product: Credit reporting or other personal consumer reports

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report. Violation of 15 USC 1666b, showing late payments is illegal
Product: Credit reporting or other personal consumer reports

I called Equifax four times today to request my credit report and file a dispute, but I wasnt able to because I failed the authentication process. Theyve been really unhelpful, and Im getting frustrated. Can you please help me with disputing the issue? Theyre not letting me proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements
Product: Vehicle loan or lease

Santander has failed to report my monthly payments to all   XXXX   credit bureaus.I 've contacted Santander through mail and through phone but I was given the run around. I want my loan lease to be reported every month or else I will change my car loan finance.
Product: Credit card

I was in contact with XXXX XXXX XXXX and Amex since XX/XX/23 about the transfer of my total miles of XXXX from account # XXXX to account # XXXX connected to my Amex card which only has XXXX as of today. This conversation took place as stated back in XX/XX/23 and the miles never reached the account connected to the Amex card after doing what I was asked to change my last name so the transfer could be completed. I continue to receive updates on account # XXXX but never communication about the transfer of the miles being transferred over after updating my last name as I was told to do to receive my miles.
Product: Credit card

I have filed multiple complaints with customer service, including one through CFPB, but received the same response each time. It seems to be my word against Synchrony Home Company. I missed a promotional period for 0 % interest because I never received any E-statements via email, despite their insistence that they were sent. Even though I'm enrolled to receive electronic statements, I haven't received a single one, and I can't view them on the web portal. I provided print screenshots as evidence, but they disregarded it. I also didn't receive a statement in the mail because, as expected, I'm enrolled for e-statements. After missing the promotional deadline, I requested copies by mail, and they sent them. However, my claim was denied, stating they investigated and found statements were sent to my email. I checked all folders, but nothing. Three months later, the issue persistsI can't see my statements on the portal, and I'm not receiving them. Recently, customer service acknowledged the problem, admitting they didn't send the e-statement or sent it late. It appears the company deliberately avoids sending statements, leading to additional payments due to their mistakes. I caution others to stay away from this company, as it seems they may intentionally withhold statements to prevent customers from tracking payments, resulting in higher interest and fees.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against TransUnion, a consumer reporting agency. 
for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountebility compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : XXXX