23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5600.00}, {$0.00}, {$21000.00}, {$15000.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Companies by the name of XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX are reporting Fraugulent Inaccurate information on my current Report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account othat belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' 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 or other personal consumer reports

Account # XXXX This complaint is a REBUTTAL to a response from XXXX MAIN FINANCIAL dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX MAIN FINANCIAL are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION -15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. " Determined that the above-referenced account is being reported accurately. '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT # XXXX XXXX XXXX XXXX, was Disputed with EXPERIAN XXXX XXXX , and XXXX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe EXPERIAN AND XXXX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Product: Vehicle loan or lease

I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. 

They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. 

Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )
Product: Debt collection

This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a recurring issue I have been facing with TransUnion regarding identity verification during login attempts and accessing annual credit reports. 

Every time I try to log in or access my annual credit report, TransUnion prompts me for identity verification, which leads to a dead end. Despite repeated attempts, I am unable to proceed due to this obstacle. Additionally, when attempting to connect with chat support for assistance, I am informed that they can not access my identity verification information. 

This frustrating loop of being unable to verify my identity and access essential services from TransUnion is concerning and has hindered my ability to manage my credit information effectively. 

I urge the CFPB to investigate this matter and intervene to ensure that TransUnion addresses this issue promptly and provides a seamless process for identity verification and access to credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The company is still reporting that I owe Im this debt after I disputed it and won. I have proof that it would be removed from my credit but it still being actively reported and driving my credit score down. I do not own the account that is being reported on and believe someone else used my identity. I am looking to pursue a lawsuit against XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX, I tired to deposit {$2000.00} into a 5th 3rd Bank at XXXX XXXX  XXXX XXXX XXXX Tn XXXX XXXX. Upon entering my money into the atm, the atm shut down and would not give any more information and kept the {$2000.00}. I immediately called 5th 3rd bank. I was instructed to call XXXX because I used my XXXX debit card to deposit the money. I did not know you could not use that ATM to deposit money as I do not have a XXXX branch anywhere near my home. I sat at that ATM until the bank branch opened. I went inside and talked to a XXXX XXXX who instructed me to call the 5th 3rd dispute line and file a complaint. I did that. Nothing happened and on XX/XX/XXXX I went back to the bank to talk to XXXX XXXX again. He started another claim with 5th 3rd and went through the process with the phone operator and myself to get the claim started again. Claim # XXXX. I called them back every other day for further instruction or status of claim. After 7 days I was told there was nothing they could do that I would have to call XXXX. So I called XXXX back and talked with someone who started another claim with them Claim # XXXX. After a month of back of forth with both banks I am being told there is nothing either bank can do because they can't talk to each other. XXXX says they have nothing to go by to get in touch with 5th 3rd and 5th 3rd says that they can't do anything without XXXX filing a formal complaint. Now there is video I am sure of me depositing my money in the ATM and sitting there for 2 1/2 hours until the bank opened. I am the middle person between two large corporations and feel there is nothing else I can do and I have just lost {$2000.00} for which my family needs. I have tried to handle this to the best of my ability by myself, but I am getting no where. I do have an account at both XXXX and 5th3rd bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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,
Product: Student loan

On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

In accordance with the Fair Credit Reporting Act XXXX Account : Unauthorized Hard Inquiry XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX took my business account information from me and was to process a payment that they stated was accepted. On my XXXX loan. That I basically paid 98 % off. 

But I get a late payment because I was later told they cant use my business information account it has to be a personal bank account. This wasnt my fault I only did what they asked from the beginning you do wait after the fact to give a person a late on there account when I did nothing wrong. I want this to be removed from my account
Product: Credit reporting or other personal consumer reports

This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including XXXX, XXXX XXXX, and Equifax from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA 807 oh, really15 USC ( e ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted, PICTURE OF 3 BUREAU REPORT SHOWING INACCURACIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall any of these inquiries to below and had already filed an identity theft report. 

CITI CARDS CBNA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX CITI CARDS XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion to get hard inquiries off my credit report my ex wife was doing and the8. 
XXXX XXXX XX/XX/XXXX 9. 
XXXX XXXX XXXX XX/XX/XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX 11. 
XXXX XXXX XXXX XXXX XX/XX/XXXXy would not remove it an neither would the company. 

XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I had my auntie XXXX XXXX unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX  has to do this on there own. They don't have much empathy either, just take the money and not willing to help. XXXX XXXX XXXX XXXX has been paid, I would like XXXX  to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Product: Vehicle loan or lease

I have been trying since since the beginning of the year to get my payments lowered due to financial hardships and this company refuses. I communicate via phone and email and they would always say they havent talked to me when they have. 
Now when i look on my credit report they are reporting twice under two different names when they are the same company to keep lowering my score and i do not have a vehicle loan with two companies. Something needs to be done about this.
Product: Mortgage

We live on XXXX XXXX  in the XXXX XXXX XXXX. Our home was damaged during Hurricane Irma on XX/XX/XXXX and declared a presidential disaster area. Our home is insured through the XXXX XXXX XXXX company sponsored by XXXX. After seven months we received our homeowner 's insurance settlement from XXXX  an insurance a check of {$290000.00}. We had to send the insurance check to the loss draft department at Flagstar Bank and it was received onXX/XX/XXXX as per policy.

Flagstar Bank loss draft department disperses our insurance proceeds based the amount of repairs accomplished. We have complied with every condition and submitted supporting documents requested by Flagstar. Contractor 's license, insurance, XXXX and all supporting invoices of materials and labor costs.The costs were all approved by our insurance company XXXX.

Because our home is on an island 1400 miles from XXXX  our replacement and building materials must be purchased in the US mainland and exported to XXXX XXXX before repairs can begin. The insurance estimate for materials was {$120000.00}. Flagstar 's loss draft department dispensed {$76000.00} onXX/XX/XXXX a shortfall of {$51000.00}. It is impossible for us to complete purchase of needed materials on account of this shortfall.Until this shortfall is corrected and all materials are paid in full they can not be exported to the XXXX XXXX and leave the USA to start repairs. The Flagstar policy can not be applied to mortgagees homes not in the continental United States.

After many emails, documents, and phone calls Flagstar 's loss draft processors will not disperse the funds needed to purchase all the materials to repair our home. Repairs can not be started until the materials arrive.We have a freight forwarder in XXXX  where all replacement materials are being consolidated and then will be shipped once purchases are complete.All replacement and building materials estimated at {$120000.00} will fill one shipping container which will be exported to begin repairs on arrival. The balance of {$170000.00} is projected for all labor costs.Once repairs begin contractor invoices can be submitted for labor payment. Flagstar underwrites mortgages in the US Territories but has no understanding of the difficulties in obtaining materials or that all materials must be fully paid and invoiced as paid to be exported.