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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/22, and XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this misleading information ; XXXX XXXXXXXX
Product: Mortgage

I refinanced my mortgage with another lender. I paid all my property tax and they are supposed to send me my refund check if {$4400.00}. I started calling them since XX/XX/2020. I have been calling since, nanny times every month and no help. I received a refund check that belongs to another person two weeks ago and I informed them. They said to shred it. I called them again this morning and spoke with a XXXX who is not very helpful. She said my account can not be found. I can not imagine why they are keeping my money. 

Please help me and I am begging. Just gave XXXX on XX/XX/XXXX. I need this money for baby s formula, wipes, etc. 

The company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX. My account number is XXXX, my last SS # is XXXX.
Product: Prepaid card

On XX/XX/2023 a PNC representative called informing me of fraudulent charges totaling {$1400.00} on my PNC paysource card. He said it had been deactivated and would send a new card. I sent the dispute form with the charges listed. I received a notice stating they found no errors and that I had voluntarily authorized payment. I called to dispute this decision and was told that they had no record of my previous dispute. She said she would send another form to me and I should be timely with returning it. I never received it, but did receive another notice stating that there were no errors. I called back and a representative was able to verify the disputed charges, but couldn't tell me how to proceed. I asked to speak to her supervisor. This employee told me to send in a signed letter with the case number and last four digits of the card. She also gave me names and numbers of the businesses, and suggested that I call to get my money reimbursed by them. I faxed a letter to the number provided by the supervisor emphatically denying authorizing the charges and have a confirmation that it was received. I've heard no response in three weeks.
Product: Credit reporting or other personal consumer reports

Here is a clearer and more professional rewrite of your statement : On XX/XX/XXXX, I purchased a bed from XXXX XXXXXXXX for a total price of {$580.00}, including taxes and delivery fees. I received an email confirming that the product was scheduled for delivery on XX/XX/XXXX. However, on XX/XX/XXXX, I received a notification stating that my order had already been delivered. 

At the time of delivery, I was on vacation in XXXX  with my children, and no family members were home. When I returned on XX/XX/XXXX, there was no package at my doorstep. I checked with my neighbors to see if they had received the package on my behalf, but they confirmed they had not. 

I immediately contacted XXXX  XXXX and provided them with my flight details, confirming that I was not home at the time of delivery. However, Wayfair informed me that they could not assist me and advised me to reach out to my credit card company. 

Since XX/XX/XXXX, I have been actively disputing this charge with my credit card company, Citibank. I have submitted multiple disputes and provided all necessary documentation, including my flight details and correspondence with Wayfair. Most recently, I filed another dispute with Citibank on XX/XX/XXXX. In response, I received a letter stating that my payment would be suspended due to the ongoing dispute. 

However, on XX/XX/XXXX, I was notified by all three credit bureaus that Citibank had reported a late payment on my account. This was confusing, as I had received a letter from Citibank on XX/XX/XXXX, requesting additional information regarding my dispute, which I promptly provided via fax. 

Additionally, on XX/XX/XXXX, when I filed my most recent dispute, I was informed by XXXX dispute department that they would contact the credit reporting department to ensure no negative information was reported on my credit file. On XX/XX/XXXX, I spoke with a Citibank representative who confirmed that a request had been sent to the dispute department instructing them not to report negative information on my credit report. However, despite this, a late payment was still reported. 

I take my XXXX XXXX very seriously, as I have worked hard to maintain timely payments to support my goal of purchasing a new home for myself and my children this summer. Given the circumstances, I kindly request your assistance in removing this negative report from my credit history. I have all necessary documentation, including a recording of my conversation with Citibank, proving that this late payment should not have been reported. 

Thank you for your time and assistance.
Product: Vehicle loan or lease

I was denied a loan because of where my income comes from which is against ECOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Product: Vehicle loan or lease

This is for Chrysler Capital Financial on actually 2 different loans one was a lease and one was a loan. The first for the lease is they over charged us when we turned in our lease in XX/XX/2020 and were sending out a refund of {$370.00}. It took them until the very end of XXXX and several phone calls later to get the refund in the form of a debit card from Chrysler Capital, and they deducted {$150.00} for excise tax for the entire year of 2020. We turned the lease in XXXX the tax should have been {$9.00} but they refused to ask the town for an abatement for the year. We could not do this because it was a lease. The vehicle we turned our lease in for in XX/XX/2020 was totaled on XX/XX/2020. The at fault party 's insurance called twice for a pay off once in the beginning of XXXX then again on XX/XX/XXXX because the first one expired on XX/XX/XXXX and they did not meet that deadline. During this time we had made 2 payments and also had a refund credited to our account because we were able to cancel the extended warranty. The insurance paid the full payoff amount to Chrysler and now they are saying we owe {$3000.00}. They reversed the payments that we made ( they have already cashed and received the money for ) and charging us late fees and interest. Both these loans are also still on our credit and have had no recent reporting. This company currently holds an F rating with the better business bureau and should be investigated for fraud and abuse. These loans should be closed and paid in full at this point. We have called several times spoken with all different departments and there is always a different answer. As it stands now it is in review with their accountant department. What concerns me is how many people don't catch these things? how many innocent people are being robbed by this company.
Product: Debt collection

Debt was paid before collection agency purchased the debt from XXXX. Debt is too old to be showing on credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Please investigate these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barton Creek Auto d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem. 

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of Barton Creek Auto d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

Barton Creek Auto d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me .XXXX  cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a .XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

Barton Creek Auto d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
Product: Credit reporting

In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.
Product: Credit reporting

I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.
Product: Credit reporting

I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.
Product: Debt collection

The emergency room failed to file to my insurance company after repeated attempts to rectify the situation they had all the necessary insurance info and now the credit company is refusing to remove the negative remarks even though they are aware this debt is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously file a complaint regarding Equifax. Equifax was not providing a status update regarding several disputes. Finally, Equifax responded outside of the 30 day ( XX/XX/2018 ) and the letter did not provide a status regarding the inquires. I attempted to call Equifax and file a complaint, but was told there was no estimated turn around. I want to inquires removed.
Product: Mortgage

The XXXX  has misinterpreted the law which effectively provides lenders with avenues to essentially discriminate in providing credit access to their XXXX  loan benefit. The XXXX  has stated in response that lenders are allowed to institute overlays regarding the government backed program. The problem is that XXXX  never actually considers the discriminate results against veterans of such overlays that appear to break several finance and housing laws.
Product: Mortgage

In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some negative items from my credit report. However, there are still remaining items that need to be addressed and removed from my credit file. I was going through my records & noticed these items which were opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit reporting. The disputed items are a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these negative items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account showing on my credit report that looks like a collection and it does not belong to me I have reached out to the furnisher as well as the bureau reporting this and I have received no response back I need this taken care of ASAP. 

XXXX Acct # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, Equifax Online website and their affiliate XXXX XXXX is still illegally reporting that my XXXX XXXX account is a Closed Account! Equifax is deliberately attempting to sabotage my credit worthiness due to a redeemed repossession which took place back in XX/XX/2023. This repossession was redeemed within 24 hours however Equifax, now the ONLY credit bureau is still illegally reporting both ONLINE and with its affiliate XXXX XXXX that the account is closed which is negatively affecting my credit score. I have made at least 7 phone calls to their representatives since XX/XX/2023 who are obviously not based in the United States demanding an accurate reporting of the ACCOUNT STATUS however my dispute requests over the phone are not being honored because I am still technically being prevented from issuing a dispute online for an account being illegally listed as closed account. Their representatives KEEP telling me that my actual report status states the account is open from their view ; However the actual online account details both on the Equifax website and with their affiliate XXXX XXXX CONTINUES to show the account is closed which is a clear contradiction to the facts about this XXXX XXXX Account. XXXX XXXX has sent information directly to all bureaus stating this account was redeemed in XX/XX/2023 and the account status should report as OPEN. All other bureaus, XXXX and XXXX have since updated their credit reporting to reflect these details both online and on my credit report that was mailed to me. However Equifax insists on avoiding multiple request by both me and XXXXXXXX XXXX to update this account across all channels!!