23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

It would seem that either I am not able to communicate well with my credit union or I am not being fully understood. Over a month ago I had asked America First Credit Union for ( 1 ) an investigation into why it seems that I was charged two withdrawal transaction fees for the same individual withdrawal at an ATM and also ( 2 ) change my mailing address to the address that they have on file notarized, but as of yet neither of these things has happened and the latter is causing unnecessary undue hardship as it has taken quite some time and effort to effect what seems to amount to a minor bureaucratic action that should only take minutes to complete. I rely on my credit union to handle matters of fiduciary account management without bias or discrimination. Since I am positive that they strive to do so, I am interested in why these actions are taking so long.
Product: Credit reporting or other personal consumer reports

an/ mercedesB XXXX. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed several inaccurate items on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a copy of my credit report and a mortgage company has been trying to get my credit score but they are unable to retrieve it I have been calling for three weeks now with not resolution. I also have sent in all the copies of items they have requested still nothing I need this cleared up as soon as possible so I can buy a house.
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, that posted to my account on XX/XX/year>. These payments have paid my accounts off in full for less than the full amount in a settlement and XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid in full. XXXX first XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completed in a settlement with the payments Ive made they are still refusing to correct the payment status to paid in full for less than the full amount after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information. The balance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be a XXXX balance paid for less than the full amount in a settlement every credit card on my credit report should reflect XXXX balance.
Product: Credit card or prepaid card

This week and every month prior Chase Credit Card is submitting a payment through my bank at XXXX XXXX XXXX XXXX. When you dont have enough money they will resubmit the payment request to my bank until I have enough money to pay it. My bank then charges me a XXXX dollar nonsufficient fee each time. Putting me further in the hole. Chase is only authorized to request the payment once a month that is how it is setup. Im not sure if the bank is holding the request and submitting the payment repeatedly or if Chase is. I am XXXX  due to COVID and this practice has been contributing to bills not being payed, me being without electricity and facing possible homelessness.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year>XXXX  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 generallf, 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: Mortgage

I have had a very difficult time with Home Point Financial. I have tried 2 times to get a loan modification completed. I am writing they complaint and letter to appeal my modification review. I have recently been declined for a loan modification and was told because I do not have enough income to pay the mortgage. The is 100 % incorrect and I provided that in the modification package. I am currently working full time and early make {$10000.00} to {$12000.00} per month. My mortgage payment is {$3000.00}. Based on mortgage banking guidelines I have enough income to afford my mortgage and qualify for a modification approval.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KIMBALL TIREY & ST J has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. I'VE INCLUDED MY FTC REPORT AND POLICE REPORT,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX an Insurance sent a lump sum payment of {$2100.00} to One Main to for payment on a car that was totaled and used as collateral for my loan. When One Main applied the principal to the loan it only brought the loan amount due by the sum the insurance company paid in. I thought it would be reduced by that amount plus any interest that would be saved by not owing the {$2100.00} anymore. The manager informed me I had Precalulated Loan and they would not refund any unearned interest until the entire principal was paid. I continued making the monthly payments and decided I would call One Main to see how much interest I would be getting back as I knew the principal would be paid in full soon. I was then told that they do not refund the interest as they do not negotiate the note. I paid the loan off in full XX/XX/XXXX. I computed what I owed in total payments up to XX/XX/XXXX in the amount of {$5600.00}. In actuality I paid them {$8000.00}, which is an over payment of {$2400.00}. 
I made my regular schedule payment and paid what they computed final principal balance of {$600.00} on XX/XX/XXXX. It is unfair they had use of the money and still treated it like it was due and payable and the interest should be paid on it. I perceive it to be unearned interest which should have been refunded once my principal was paid in full.
Product: Credit card or prepaid card

Im writing this today because i have had a credit card account that was closed by discover it. I had received emails that they could not properly identify me even with me giving them my full social and sending a picture of my license they said they still could not identify me. Whilst this was going on i could not activate my credit card so the account was actually never opened because of the identity problem the discover it company had. There was nothing else i could do to verify my identity and with them reporting a closed account had dramatically affected my credit score. I feel this is unfair i gave all the information they had ask to see I've spent hours upon hours on the phone with the discover it company and there was nothing else i could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting

Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.
Product: Credit reporting or other personal consumer reports

Complaint Details Issue Summary I recently disputed inaccurate items on my credit file with Equifax. According to the follow-up results I received from Equifax, multiple accounts were verified or updated with additional information I believe remains inaccurate or improperly validated. 
What Happened Date of Dispute : [ Date you filed the dispute with Equifax ] Equifaxs Response : Equifax claims it verified certain trade lines, like TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX indicating these items belong to me.

HoweverXXXX XXXX XXXX  was deleted, suggesting at least one item was indeed erroneous or unverifiable. 
Equifax also referenced inquiries that remain on my file. Although I understand inquiries are factual records, I continue to dispute certain entries that I believe are unauthorized or are otherwise not accurate. 
Why I Am Unsatisfied Insufficient Verification : Equifax did not provide detailed evidence of how each disputed item was verified or any original documentation from the furnishers. 
Discrepancies Remain : I still have concerns about the accuracy of the updated fields ( like Past Due, Actual Payment, Account History, and more ) because the documentation I have contradicts Equifaxs claims. 
Credit Impact : These continued inaccuracies are harming my creditworthiness and do not reflect my actual payment history or account statuses.

Relevant Documentation Equifax Results Letter : Details verifying or updating accounts. 
My Prior Disputes : Copies of dispute letters indicating the basis for my belief that these accounts are inaccurate. 
Any Supporting Evidence : Payment records, creditor correspondence, or official releases that conflict with Equifaxs reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including a letter to explain all the wrong items on my report
Product: Credit card or prepaid card

I received a pair of emails on XX/XX/XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX  congratulating me on my new credit cards ( they were in my Spam folder ). I had not signed up for these cards ( I received a similar congratulations on XX/XX/XXXX after I signed up for what turned out to be a fake job website that forced you to apply for a credit card ). This week I received two cards from both banks, again unrequested. I noticed that one of the credit bureaus has an unauthorized hit from Continental Finance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, lvnv funding llc, mare been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Credit reporting or other personal consumer reports

I was incredibly disappointed to see inaccurate accounts listed on my credit report today. This is completely unexpected, as I check it routinely and have never had this issue before. I tried refreshing my browser to see if it was a temporary glitch, but the errors stayed put. Im hoping for a detailed review of the documents Ive provided to resolve this problem and relieve my stress.
Product: Vehicle loan or lease

US BANK Lease I always use the US Bank Automated payment system to make my payment. 

In the early part of the lease, I miss-typed my bank account number and a payment was rejected. 

I noticed that my account was not debited so I made the payment at that time. 

Every time I call in to make my payment, it only says the regular payment is due. 

When requesting a payoff last week, I found out that over {$600.00} in fees have been assessed to my account. 

US Bank has not returned my call to inform me if they are willing to reverse any of the fees assessed. 

The payment due on the automated system should say what is actually due. Had I known this was an issue, I would not have let this continue over the years. 

Any assistance you can offer is appreciated. Thank you
Product: Credit reporting

Trans Union keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate
Product: Credit reporting or other personal consumer reports

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, XXXX and Equifax. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Product: Credit card

I have two accounts with Bank of America in both on supposed to be zero interest rate, but they charge me more interest rate on my credit card because I did not make any purchases on one of them
Product: Debt collection

I took out a high interest rate loan with the company Sun Loans in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from XXXX XXXX claiming they purchased the contracts from Sun Loans and I owed the debt to them. XXXX XXXX had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my Sun Loans accounts. 
I finally wanted XXXX XXXX to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed XXXX XXXX that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with Sunloans. It appears to me from the language in that contract that my debt from Sun Loans was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them. 
( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from Sun Loans as none of the correspondence from XXXX XXXX has an account number listed. )
Product: Mortgage

I talked to a loan officer in Florida where I am trying to relocate to. He advised me that the only way to buy a house there before moving was to buy it as a second home. He knew from the beginning that the intent was for it to be a primary home. He advised us to give all the money we had saved to a XXXX party to " gift '' to us, as no funds would have to come from our account. Every thing was going as he said it should until 2 weeks before closing. Underwriting told him that 5 % of the funds had to come from our account, But we had already gave all the money to the XXXX party as he told us to. We told him we could put the money in there but it would be cash, Then he advised that I sell a vehicle or other valuable item so the money we need could be sourced. He admitted that it was his mistake and when it seemed he could not fix the problem he found another item underwriting had an issue with to try and blame his mistake on. Lost all the money we had invested for appraisal, inspectors ect. We even had yard sale and sold half our belongings on the assumption we could close on the house and move in a few months. My wife who is pregnant is seeing a doctor for all the stress that was created from the situation of losing the home and loan. As I was filling out this form tried to get copies of good faith estimate and other documents the website wont allow me to veiw them.