23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of XXXX I made a purchase at Home Depot with my Home Depot credit card in the amount of {$53.00}. Somehow I forgot about this, and never received any emails or letters about this unpaid bill, until XX/XX/XXXX. In XX/XX/XXXX I received a letter from Home Depot stating that I owed {$160.00} to be paid immediately or it would be sent to a collection agency. I quickly contacted Home Depot and they told me that I now owe over {$200.00}. I explained to them how I never received any emails and he looked up my account and told me that they had my wrong email address, he said it was my fault, he was very rude to me and told me that I could pay {$160.00} today, but if I do not pay right at that moment then the amount would go back up to over {$200.00}. I became upset due to being treated so rude by the employee that I ended the call with this employee. I called again the next day and spoke to someone else who told me they would take {$160.00} and we could be done with this. Again the employee saw that they had the wrong email address, she apologized, but stated she could not do anything about this. I paid the late fee with the understanding that this would help my credit, but then found out on my own research that Home Depot reported 3 late fees and a closed account on my credit report. I again called Home Depot and asked them to please take this off my credit report as I had not received any emails in regards to this bill and how I paid more than the amount I should have due to fees that were accrued. The person told me that she can not take anything off the credit report once it is reported, but that since I was such a good customer they would re-open an account for me. I declined this and contacted XXXX which made Home Depot tell me that they " did an investigation and concluded that it was the fault of the consumer, not the banks '', because I am " responsible for ensuring contact information is correct and updated ''. Due to a {$53.00} purchase, which I ended up paying {$160.00} due to a minor error and zero reminders from the bank, Home Depot has made my credit look, as if, I do not pay my bills. I wasn't even informed that they put anything negative on my credit. I discovered the negative information when a potential lender ran my credit for a potential loan purchase. I also discovered that my credit report didn't show the small amount of the purchase or that I paid the full amount including all the late fees. These actions by Home Depot and Citi Bank are not right and mischaracterize excellent citizens in order to relish the opportunity to damage an individual 's credit. 
I paid as soon as they sent me notification, this was the first time in 11 years as their customer to miss a payment, but they are treating me as if this was regular behavior and like I did not resolve the issue immediately. They do not care about their customers and they illegally do not inform their customers when they decide to report negative information on the customer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting things about my credit that is inaccurate and things they should not be reporting! 

why/how are they in business?
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - I closed 2 " No-Penalty CD '' accounts with Ally Bank. The value of each CD was approximately {$500000.00} ( {$1.00} XXXX total ). 

XX/XX/2020 - I received the funds for one account only. I logged onto the Ally Bank app and saw that the funds from the second CD ( {$500000.00} ) were transferred to an unknown bank account, which was not mine. 

I called Ally Bank and I was told that since the funds were transferred to a checking account that did not belong to me, the ACH system would likely detect this and possibly reject the transfer. I was told there was nothing Ally Bank could do and that I should call my bank. I called my bank and they said it is on Ally Bank to fix the error. 

I called Ally bank again and was told the service rep who initiated the transfer mistakenly entered a confirmation number as the bank account number and that I would receive the funds by the end of the week. Today is Friday XX/XX/2020 and I still do not know where my funds are.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Spring EQ made a hard pull on my credit report that was not authorized by me. The reason for this message is to request the rescission of this hard credit pull through XXXX. 
On XX/XX/XXXX, I was shopping around for a HELOC. I was contacted by XXXXXX/XX/XXXX in XX/XX/XXXX XX/XX/XXXX. I reiterated to XXXX XXXX atXX/XX/XXXX on multiple occasions that I did not want a hard pull on my credit report. He assured me that there would be no hard pull, stating it would be a soft pull only. Despite my insistence, he requested my social security number. Once again, I emphasized that I wanted absolutely no hard pulls on my credit. He assured me there would be none. Against my better judgment, I provided XXXX XXXX with my social security number. XXXX XXXX is the only person I spoke to on this date, so it is impossible for any other individual to have used my information to negatively affect my credit score. After he gathered all my information, he hung up and called me back about half an hour later with updated rates, which was fine. However, later in the day, I received a notification from my credit monitoring program stating that your company, Spring EQ, had conducted a hard inquiry on my credit report. I did not know who this company was, and they certainly did not have permission to pull my credit. 
After speaking with XXXX, they informed me that Spring EQ had made a hard inquiry on my credit report without my permission. On XX/XX/XXXX, I contacted both SpringEQ andXX/XX/XXXX that I was requesting Spring EQ to rescind this hard pull with XXXX to restore my credit to its proper state. I contacted them in hopes that we could resolve this issue quickly and efficiently without having to involve other agencies like the XXXX or CFPB. I was notified by XXXX XXXX late on XX/XX/XXXX that the rescission was in place and it would soon be off of my report. However, when checking my credit report on XX/XX/XXXX, it was still there! I was once again lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Integra Auto Capital LLC has reported incorrectly and falsely to XXXX that I have XXXX. Missed payments XXXX have been XXXX days late and an incorrect balance. I have never missed a payment nor have I been XXXX late as reflected on my report. They went months XXXX months without reporting anything I bring it to their attention and next day it pops up as missed payments. This has severely depressed me I am in the process of home buying and now this. I feel cheated and unfair. They have high payments already and no grace period after XXXX late you are charged a hefty late fee and after XXXX car is repossessed so how was I XXXX missed payments but balance decreased by thousands
Product: Credit reporting

Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.
Product: Debt collection

Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 card or prepaid card

There is charge on my account which doesn't belong to me which they never resolved the charge There is a charge on my account which doesn't belong to me. I disputed this charge one year ago and still this charge appears on my bill. They charge me instead of someone else who has the same last name as me. This was the clear mistake of living space costumer service. The living space knows their mistake but no one wants to solve this problem because of their poor customer service. Because I was disputing this charge they froze my synchrony bank application which I was using to pay my bill. When I traveling back home I tried to pay my bill but because they froze my application I couldn't pay my bill and they reported miss payment on my account even it was their mistake. I can not make 1-800 number internationally from the country I am from to pay my bill. I never paid even one day late prior this issue with this company before but because their poor practices now they damaged my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX XXXX OH XXXX XXXX
Product: Checking or savings account

Not sure what happened ... .went on a trip Thursday XXXX used my debit card all weekend even Saturday ... did not use it on Sunday ... woke up Monday to pay some bills and SunTrust closed all.my accounts without notice and then tells me I have to wait five days with no transactions and then wait another 10 to 15 days for them to investigate then cut me a check for the difference ... ..I have no money ... not working because of covid and they will not release any funds to me even from the accounts that have no pending transactions on it ... ..I have did everything ... .went to the branch spoke with everyone except the president and to no avail ... .I need help I can not survive without my money
Product: Credit reporting or other personal consumer reports

Dear Equifax Representatives, I am formally submitting this complaint regarding the account reported under XXXX XXXX XXXX XXXX on my credit report. This account has been reported, deleted, and reinserted multiple times, which is a clear violation of federal law. 

Frankly, this account contains so many errors and has been reinserted so often that I begin to question whether Equifax respects my consumer rights and complies with consumer protection laws. 

Serious Errors in the Account and Violations of the Law : Repossession with No Late Payments According to Equifaxs own records and the agency that issued the account, there were never any late payments. However, the account is reported as a repossession, which is contradictory and a serious inaccuracy.

Violation of 15 U.S.C. 1681e ( b ) : Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports.

Lack of Legally Required Documentation for the Repossession Neither Equifax nor the creditor has provided any documentation to justify the repossession of the vehicle, even though this is a legally mandatory process. 
Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

Fraudulent Address and Phone Number on the Report The account was initially reported with an address where I have never lived and a completely unrelated phone number.

Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : An information provider can not report false or incorrect data on a credit report. 
Failure to Verify the Account by the Creditor I personally requested a full report on the accounts details from the creditor, yet they never provided verifiable information. 
If the creditor failed to verify the account, how does Equifax obtain and report this information? 
Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted from the credit report.

Account Opened When I Was Not Residing in the U.S.

The account was opened while I was not residing in the United States, which clearly indicates it is fraudulent.

Violation of 15 U.S.C. 1681c-2 ( a ) : Consumers have the right to request the permanent deletion and blocking of fraudulent information.

Demands and Requested Actions : Immediate and permanent deletion of this account from my credit report. 
Definitive blocking of this account to prevent any future reinsertion. 
A detailed, written response sent by mail outlining all actions taken regarding this matter. 
If this issue is not resolved properly, I will proceed with legal action against Equifax for the damages caused to my ability to receive fair financial treatment due to the repeatedly reported fraudulent information. 
Since Equifax has never conducted a proper investigation, I demand that this matter be handled with the seriousness it deserves. I expect a written response via postal mail detailing all actions taken as soon as possible.
Product: Mortgage

I am long time customer of guidance residential which provide XXXX loan in XX/XX/XXXX I didnt have the hazard insurence of my building they send me the letter about the inside condo insurence I bought from XXXX .but not for the building insurence we have four unit condo building I took the condo inside insurence and send them the copy .after one year in XXXX they asked for building insurence I took the insurence from XXXX XXXX and send them but now they are saying give us theXX/XX/XXXX year building insurence Money which is already passed. I was late getting the insurence of 2017 and they bought the insurence for me and send me the copy which was reversed when I bought my own insurence but they didnt send me any letter or reminder to get the insurence ofXX/XX/XXXX they didnt buy any insurence of XX/XX/XXXX they didnt send me the copy of the insurence which they send in XX/XX/XXXX but they are asking Money for that I tried to solve the problem but they are not willing to listen please help its around XXXX dollars and other owner are not willing to pay thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Product: Vehicle loan or lease

I notice Exeter Finance charged off an account on my consumer report. This account has been damaging. I have not received any proper documentation relating to Exeter Finance writing off this account as a loss. I do not want billing statements as they are not proper documentation. By failing to provide me with the proper documentation will cause complications for both Exeter Finance and me with the IRS.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding inaccurate reporting on my consumer file maintained by Lexis Nexis Risk Solutions. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, it has come to my attention that Lexis Nexis has reported a bankruptcy on my consumer report, which does not exist according to the written letter provided by Lexis Nexis confirming the absence of such information. 

On [ XX/XX/2022 ], I received a written letter from Lexis Nexis confirming that there is no record of bankruptcy on my consumer report. This communication directly contradicts the information that has been reported electronically through the E-OSCAR system to the credit reporting agencies. As per the FCRA, inaccurate information must not be reported to credit reporting agencies, and it is imperative that any discrepancies are rectified promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my credit report updated on the XXXX account as it was settled since XX/XX/2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX
Product: Mortgage

We listed our house for sale on the XXXX of XX/XX/2023 and received and offer on the XXXX of XX/XX/2023 for the amount of {$390000.00}. We cancelled our open house for that following weekend as we received this offer. 

The buyer received a pre-qualification letter from Cross Country Mortgage for the remaining amount of {$290000.00} after a 25 % down payment. Buyer was scheduled to close on our house on the XXXX of XX/XX/2023. 

Meanwhile we are going through all the home inspections, appraisals and repairs while the closing date approaches. 

On the night of the XXXX of XX/XX/2023, XXXX days before we were scheduled to close on our property we were notified by our real estate agent that the buyers lender had an " XXXX '' and didn't catch a discrepancy with the buyers debt to income ratio. 

This has left me and my family in a financial hardship because I now have to pay for XXXX mortgages as we lost XXXX days of showings and potential buyers, time lost due to scheduling home appraisals, inspections and repairs. In addition we had to wait another XXXX  days for a termination letter to relist our property. Now we are without a buyer and have at least another XXXX days with XXXX mortgages. 

Cross Country Mortgages failure to identify this discrepancy is unacceptable and very unprofessional. 

Attached is the pre-qualification letter for the buyer, an email from the loan Cross Country Mortgage stating she solely caused this issue and the manager for this unprofessional company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

I have XXXX checking accounts with USAA and I owed money in XXXX account and today I am locked out of all of my accounts until I pay the negative balance. The balance in my other accounts was taken out and put toward that balance all of my cards are frozen. I never received any notice that this was going to be done and now I ca n't pay my rent or car payment.
Product: Money transfer, virtual currency, or money service

Ally bank issued a check for my CD {$22000.00} to a wrong address or party, it was cashed. I have spoken to many agents for months now, and faxed all the necessary papers they sent to me, but have not received my money, The money should have been sent to me when I cashed the CD in on XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports and ford motor company  of XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called fmc of XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is XXXX. Ive filed this dispute 6 times and I keep getting the same results. XXXX  says that fmc of XXXX says the report is accurate and fmc of XXXX says they sent over the information to XXXX to correct it but never gets corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


**Subject:** Cease and Desist 
FCRA 605(b) Violation for Failure
to Investigate


To Whom It May Concern,

This letter serves as an aggressive
notice to demand compliance
under the Fair Credit Reporting Act
(FCRA) 605(b). You have failed to
investigate and remove inaccurate
information regarding accounts
that I never opened, despite prior
disputes and su
Product: Consumer Loan

Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].