23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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 XXXX
Product: Credit card

On XX/XX/year>, I used my XXXX XXXX credit card to purchase a house reservation through XXXX in the amount of {$3100.00}. My son 's baseball team was to be playing in XXXX XXXX, Florida during this time. A few days from the trip, a tropical storm had begun to develop. This storm strengthened into XXXX XXXX. Once it was determined that this store would have a direct impact on the area we were going to, I immediately reached out to XXXX 's customer service to inquire as to what would happen. I was told that I could request through the host to cancel the reservation for a full refund as an unforeseen, uncontrollable natural disaster was set to hit the area. Should they refuse to do so, XXXX would issue a full refund. This conversation was done during a chat session and printed for documentation. As expected, the host refused to comply with my request. When i reached out to XXXX they refused to do what they told me they would ( in writing ). As a result, I filed a complaint with my ( then ) credit card XXXX XXXX  on XX/XX/year>, informing them of the situation. At their request, I provided detailed evidence that I was entitled to a full refund for this never used reservation, specifying the state of emergency that the area was in, as well as proof of untravellable streets and power outage grids. To my shock, they chose to side with XXXX because they said I " never canceled the reservation ''. I attempted multiple times to speak to a supervisor at CAPITOL ONE but was not provided the opportunity. I have since decided to reach out to local and federal government legislators as well as various federal entities.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. XXXX XXXX : {$400.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Account # : XXXX has violated my rights. XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX, XXXX  ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights XXXX XXXX {$850.00} Date Opened : XX/XX/XXXX. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2020 We contacted Cardinal Financial Company to start the process of refinancing our mortgage. The terms of the loan were acceptable and we agreed to proceed. We were given a rate of 2.875 % and points of 0.194 % with a no-fee rate lock until XX/XX/2020. We used the company 's webservice " XXXX '' to submit and respond to all request for documentation, always within 48 hours. The process was extremely slow and inefficient due to various departments working remotely from home. The title company being used also had major delays due to two hurricanes hitting the Gulf Coast where they were based. As a result, through no part of our own, the loan did not close before the rate-lock ended. Cardinal Financial began extending the lock week by week and charging us a fee. After several conversations with our loan originator, we were told not to worry, that the added fees would be adjusted upon closing. Unfortunately, by the time closing was ready, XX/XX/2020, the points were adjusted from {$670.00} up to {$2400.00} and a lock-extension fee of {$190.00} was added. We were exhausted with the process and needed to close, so we signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. XXXX XXXX Equifax and XXXX
Product: Credit reporting or other personal consumer reports

Transunion and XXXX claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my Experian credit report, which I believe violate several provisions of the Fair Credit Reporting Act. 

Those accounts are as follows 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  My student loans have been forgiven due to my combat injuries. I disputed them many times. I will include my forgiveness letter. These accounts are DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX I request the immediate removal of these accounts under FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 168c ( c ). Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau V. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct investigations and remove or reinsert errors on consumer credit reports. As such it is imperative that Experian address this matter in accordance with the FCRA. 
Please find enclosed copy of my Experian credit report, highlighting the fraudulent accounts mentioned above. I request Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. 

I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 
Thank you for your time and cooperation.
Product: Debt collection

In XX/XX/2019 I had a {$150.00} XXXX XXXX Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 XXXX XXXX sold the Debt. to Midland Credit Management. Since MCM has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that Midland Credit Management should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies. 
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.
Product: Mortgage

I applied for a loan on a new XXXX XXXX property through DSLD mortgage on XX/XX/XXXX. I immediately submitted all of the requested document to the lender. I knew rates had gone down in XXXX so I inquired about doing a refinance of another property through DSLD mortgage shortly after XXXX. I figured it made more sense to refinance using this company since they already had all of my financials. I was told that the new purchases were priority and I would be taken care of when they had time. 

Finally in XXXX I was notified I could apply for the refinance. We filled out the application on XX/XX/XXXX. It is XX/XX/XXXX and I have still not received the clear to close. We are in the second 30-day interest rate lock. The lender continues to make up requests from me, oftentimes documents Ive already provided them. My wife and I have a low debt/income ratio, 800+ credit scores, and make more than enough income to satisfy the debt. For this individual property were trying to refinance, we receive $ XXXX in rent and the mortgage is $ XXXX. The lender keeps making up request from us and I dont understand whats really going on. 

I work as a XXXX XXXXXXXX, so it should never take 3 months for a simple refi of someone with our credit profile. I ask that someone please investigate DSLD mortgage to figure out why theyre not trying to let me close on this loan when I am more than qualified. I hope there is no reason theyre particularly targeting me. As of today, they have asked me for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the equifax data breach and may got into the hands of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting

This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Date Generated : XX/XX/XXXX ELAN FINANCIAL SERVICE Account XXXX Information on this item has been updated. Please review your report for the details. 

Show Details | View your Report | View your credit score ELAN FINANCIAL SERVICE {$1900.00} Closed 13 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1900.00} {$1500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1900.00} Highest balance - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 
Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 


OK I paid this off, all XXXX on XXXX all of it witch i think is way to much and I want it off my report NOW, I'm trying to get a loan for my business and there really messing up the opportunity
Product: Checking or savings account

We went through the online process to open the free checking account online. It clearly stated there was no fee based on certain selections. One of those selections was estatements, but if you elected for paper statements there would be a fee. I believed I went through everything online to set up the account and elect for online statements so that there was no fee. When we get our first statement, it comes through the mail and we see a statement fee on that statement. We call a rep, don't get anywhere, request a manager, don't get anywhere, go to the local branch, and still don't get anywhere. They were very matter of fact and nonchalant and didn't seem to care they had a disgruntled customer or was losing business. They did advise that there was no way possible to sign up for estatements when signing up for the account and that it was going to automatically send us a paper statement until I logged back into the account and elected for estatements at that time unbeknownst to me. I also couldn't log back in immediately as there were several days before the online account was available to be accessed. So it seems they had some deceptive practices trying to trick a customer in getting paper statements instead of intuitively being easy to sign up for when signing up for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX  Credit Report of USAA 1 ) CERTIFYS FALSE CREDIT INFORMATION. 2 ) USAA COLLECTS ON ID THEFT. 3 ) Kindly note THERE ARE NO USAA CREDITS MADE TIMELY XXXX XXXX see attatched XXXX   Credit Report. USAA CERTIFYS THIS IS NOT ID THEFT. ( This is ftc ID Theft case XXXX dated XX/XX/XXXX THAT USAA IS VERY AWARE OF ) see attatched XX/XX/XXXX statement my data was used to place UNAUTHORIZED charges of {$470.00}. see attatched XX/XX/XXXX Fraud Claim date XX/XX/XXXX, XXXX see attatched statement XX/XX/XXXX transactions XXXX XX/XX/XXXX total {$470.00} UNAUTHORIZED. My data was used to place THE SAME DUPLICATE UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} see attatched XX/XX/XXXX statement. see attatched UNAUTHORIZED ACTIVITY REPORTED transactions XX/XX/XXXX - XX/XX/XXXX My data was used to place {$320.00}. UNAUTHORIZED TRANSACTIONS USAA COLLECTS ON ID THEFT REP ID XXXX, XXXX, XXXX. USAA CERTIFYS INACCURATE INFORMATION. I HAVE BEEN DENIED CREDIT DUE TO THIS. THIS IS ID THEFT.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXX. XXXX  XXXX Status : XXXX XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXXXXXX Account XXXX : Closed XXXX. XXXX XXXX ( formerly known as XXXX  ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX. XXXX  Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate 6. XXXX Status : Collection/Charge Off 7. XXXX Status : XXXX 8. XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off 10. XXXX Account # : XXXX Status : Collection/Charge-Off 11. XXXX  Status : Collection/Charge-Off 12. XXXXXXXX XXXX XXXX Status : Collection/Charge-Off
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( XXXX, Equifax, and XXXX ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX and XXXX XXXX XXXX, I have no knowledge of these creditors
Product: Debt collection

I just received a phone call on my work number from a company answering to claims and litigations, aka XXXX XXXX. I never give out my work phone # and these people knew my social and all sorts of information like a legitimate debt collector would know. After being connected to another person who claimed to be a lawyer it became apparent that something was wrong. First, he said i had a US BANK account that discharged in 2014 and that money was owed but i never did and in fact, just recently closed an account with them. I would think they would not have even opened it in the first place if i owed them money. He said something about i committed fraud by using 2 id 's. When i questioned him he shut me up and would not answer any of my questions. I wanted to know what the balance owed was and he shut me up. I asked for an itemized statement of amount owed to be sent to me and he shut me up. He spoke really fast, so fast it was hard to communicate with them. It was almost like a scammer but legitimate debt collectors are just as shady so who knows. I have the company information which called me. XXXX XXXX  they answer to claims and litigation at phone # XXXX they gave me a case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 I applied for a line of credit loan from NetCreditXXXX. My application was approved for {$1000.00}. It only allowed me to receive {$800.00} because of fees that was associated with getting the loan processed. Less then a month later, I lost my job and communicated this to the company because they were constantly calling and harassing me about payments. I called them in XXXX to try and set something up, however an automatic system said the hold time exceeded 12 hours to a few days. As of XXXX, some guy from an undisclosed debt company name XXXX XXXX has been calling me, about taking me to court for an unpaid debt. These loans are illegal in the state of XXXX, which at the time of doing business I was not aware of this.
Product: Vehicle loan or lease

I have a loan with Credit Acceptance and I feel like the loan interest rate is really high. I am paying XXXX a month for a XXXX XXXX that has about XXXX miles on it. I need help
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Absolutely insane, my lease which is one month old, on Hyundai  recording says I owe 3 months, the website says my next payment is due on XX/XX/XXXX when it's actually due in XX/XX/XXXX. I've called dozens of times with no response.
Product: Credit reporting

I WAS NOT ABLE TO RECEIVE MY FREE CREDIT REPORT FROM TRANSUNION CREDIT BUREAU, THE SYSTEM TIME-OUT. HOW CAN I SEE THAT INFORMATION AGAIN, KNOWING THAT THERE IS ONLY XXXX ATTEMPT PER YEAR. HOW AND WHERE DO I SEE MY FREE CREDIT SCORE FROM ALL XXXX BUREAU : XXXX, TRANSUNION, AND XXXX. 
ALSO, THE NAME ON MY BIRTH CERTIFICATE DOES NOT MATCH MY SOCIAL, PASSPORT, ETC. HOW AND WHERE DO I CORRECT MY NAME? I HAVE XXXX CURRENT JOBS AND THEY BOTH NOT LISTED CORRECTLY ON MY CREDIT REPORT. I NEED MY JOBS TO BE CORRECT ON ALL XXXX CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX Transunion, XXXX and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.