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

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze  account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question May- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Product: Checking or savings account

i would like to file a complaint with Capital One with their 360 savings account their 360 " high yield interest '' savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about their superior rates offered by the 360 performance savings account. this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. i seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. 

Here are the details of the issue : File Number : XXXXXXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Transunion informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA.

I also request an investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Debt collection

XXXX. On XX/XX/XXXX - I filed electronically for a 3 month forbearance on my mortgage since I had just left by job due to COVID. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving 3 month forbearance for XXXX XXXX. 
XXXX. XX/XX/XXXX - paid full mortgage payment. 
XXXX. XX/XX/XXXX - paid full mortgage payment XXXX. XX/XX/XXXX - used forbearance and did not pay mortgage payment XXXX. XX/XX/XXXX - I filed a 3 month extension on the forbearance. Spoke to agent on phone from mortgage company for almost XXXX minutes understanding all the details. 
XXXX. XX/XX/XXXX - I received extension from mortgage company extending forbearance for XXXX thru XXXX. 
XXXX. XX/XX/XXXX- spoke to agent at mortgage company and he filed another extension in addition. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving additional forbearance until XXXX XXXX. 
XXXX. XX/XX/XXXX - I used forbearance and did not pay mortgage XXXX. XX/XX/XXXX - I received letter from mortgage company stating my mortgage was no delinquent and if I had filed bankruptcy then the communication was only for information only. Documents also included were how to file for forbearance, or mortgage modification. 
XXXX. XX/XX/XXXX - I called and spoke to agent regarding letter, they said all was in place for forbearance and it was a system generated and not to worry as it was fine. 
XXXX. XX/XX/XXXX - Knock at my door and person hand delivering document to my stating my property was delinquent. If I was in bankruptcy, this was no an attempt to collect but for information only. She also stated the mortgage company had been trying to contact me by phone, but have been unable to contact me. 

I had received calls with no messages left from the mortgage company on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no voicemail left. 

XX/XX/XXXX - I called the mortgage company and spoke to supervisor to advise I was filing this complaint. She also stated I should not receive any further communication regarding the delinquency as it was a system issue and she would escalate the problem to management. I told her someone coming to my door was NOT a system issue and was being harassed for using the legal forbearance I was approved for. I also advised I was filing this complaint as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX The above company has placed a hard inquiry via Transunion on my credit report. 
According to the FCRA under 15 U.S.C Code 1681 ( b ) there were no other permissible purposes of consumer report. Furthermore, I have not given written consent to access my credit report in any other way shape, or form.
Product: Mortgage

I am in the COVID-19 Cares act forebearance program. I have tried 40 times to speak with someone at XXXX  about resuming payments. Can never speak to someone, only get answering machines. They have 5000 consumer financial protection other complaints about the exact same thing. I am working now and want to continue my payments, and pay the balance when I sell or refinance, XXXX  is not helping at all, and cant even speak with anyone. I WANT TO RESTART PAYMENTS. I NEED TO SPEAK WITH A HUMAN.
Product: Checking or savings account

When first time I complain Sourh State Bank dodge the complain. When I did second complaint, we went personally to bank to resolve the issue. At that time we provide certain information which bank had to provide When open the CD account. In second complaint 's answer bank mentioned XXXXXXXX XXXX  name that she explained to us about interest rate, that is not correct. Now South State bank is closing the case as bank is not willing to grant interest rate as bank claim at maturity. Bank mentioned in answer that it is written in disclosure, but bank only provided that disclosure after we signed for CD. We don't think bank is a help. Big institutions always work for their profits. General public is always a looser.
Product: Credit reporting or other personal consumer reports

My phone was stolen with the kickoff account associated with it. I could no longer get into it. I tried to get the account back. I could not get into it to pay the fee they charge.
Product: Debt collection

There was a debt of {$250.00} for a medical bill for my daughter reported by Eastern Account System. I do not have XXXX  or XXXX XXXX of my daughter, her mother, my ex-wife, has XXXX XXXX of our daughter. I was unaware of a medical bill, or even that she visited the XXXX. I only found out about this debt from an alert on my XXXX account, once I saw the debt I paid it the same day I received the alert since it was such little money. I never once received a notification, all the bills went to my ex-wife place of residence and she never once informed me of this bill. Since she has XXXX XXXXXXXX, she uses her phone number and her address for the doctors records, hence why I never received or was aware of this bill. I called the doctors office, XXXX XXXX, to see if they can take this collection report of my credit report and they referred me to the collection agency Eastern Account System, I told them the situation and they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries to many banks without authorization and someone else used my ssn
Product: Credit card or prepaid card

Bank of America account fradulently opened. BoA was called and notified. They have closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
Product: Payday loan, title loan, personal loan, or advance loan

I financed a XXXX ATV for my sons birthday in XXXX. 

The purchase price was about {$1200.00}. I gave the company I purchased the ATV from a {$500.00} down payment, and financed the remainder. I set up payments to be deducted weekly by the finance company " American First Finance '' in the amount of {$39.00} until the balance was paid off, or I was under the impression that was the case. 
Every week I received notifications that my payment was successful. On XX/XX/XXXX my payoff amount was {$400.00}. On XX/XX/XXXX it went all the way up to {$990.00}. I spoke to XXXX XXXX XXXX ) and he did the typical " let me get my XXXX '' sales pitch. XXXX XXXX of the customer service reps. After 2 offers they " brought it down '' to {$630.00} for the final buyout amount. XXXX told me I " received an email '' a week prior letting me know the balance would go up. That email was never received, however I received every email about my successful payment. On XX/XX/XXXX after I wrote a bad review and threatened attorneys, they provided a " settlement offer '' of {$530.00}, valid until XX/XX/year>. 

Between XX/XX/XXXX and XX/XX/XXXX I had paid an additional {$310.00} weekly as the payments were still being deducted. The finance company has many other reviews from customers with similar experiences to mine.
Product: Debt collection

National Recovery Agency ( NRA ) has claimed two debt collection accounts on me, which has affected negatively on my credit scores. NRA 's total claimed debt amount is {$520.00}. One is {$410.00} ( open on XX/XX/XXXX ), and the other is {$110.00} ( open on XX/XX/XXXX ). Both of them are for XXXX XXXX. Can you let me know what is the nature of the bill? How can I address this problem? 

I am a XXXX XXXX. During the pandemic, I was not in the United States ; I don't believe they have contacted me in the way that I can understand what is happening and how I can address this situation. 

Please let me know what you think.
Product: Debt collection

I parked and paid my parking ticket and then I got ticket by mail which I tried to call them and contact the number to let them know I already paid it. 
No answer or reply. 
I get another letter in the mail that the price went up and I need to pay XXXX XXXX I tried to contact them again and let them know i already paid my parking from the beginning. 
That's just not fair and I have the finances to pay it but this is a scam! 
Thank you so much
Product: Money transfer, virtual currency, or money service

I received a Cash App card in the mail on Tuesday, XX/XX/XXXX. I had not applied for an account with Cash App. ( I had never even heard of Cash App before receiving the card. ) On Wednesday morning, XX/XX/XXXX, I called Cash App and asked that the account be closed immediately. I also asked for information about how the account was opened. I spoke with XXXX. I responded to the questions and uploaded photos of the card as instructed. I asked for written confirmation that the account was closed. 

On Thursday, XX/XX/XXXX, I still had not received written confirmation ( or any confirmation ) that the account was closed or why it was opened in the first instance. I then wrote to XXXX XXXX, the XXXX XXXX of Cash App, advising her of what happened and asking for confirmation that the account was closed and why it had ever been opened. I wrote to her at the email address on the California XXXX XXXX public website as I was unable to find an email address for her at Cash App. 

On Friday, XX/XX/XXXX, I sent another email to the Cash App email address asking for confirmation that the account had been closed and any information regarding why this happened. 

As of Saturday morning, XX/XX/XXXX, I have still not received confirmation or any information of why this happened. 

Obviously, I am concerned about identity theft and on Wednesday, XX/XX/XXXX, I checked my credit reports on all three reporting agencies and also submitted a fraud alert. I also checked my bank account. If it is not identity theft that led to the opening of the account and issuance of the card, then perhaps Cash App is just sending cards to people to increase market share. If so, its disclosures are inadequate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full
Product: Debt collection

I have a couple accounts in collection with Affirm their all paid off and i demand they be removed from my credit report Ive tried reaching out to the company but got no help in return.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TRANSUNION XXXX XXXX XXXX I have no idea when and how I was enrolled apparently to a program offerd for a charge of XXXX per month. I had no idea how I was put on this program. I called transunion at XXXX XXXX XXXX XXXX that is on my credit card statement. They did credit me for 3 months. And I want credit from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

I am writing to dispute the information on my credit report that was provided to you without my written consent. 
Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681b, I have not authorized the furnishing of my information or the obtaining of my information by your credit bureau. 
I hereby request that you investigate this matter and provide me with verification of the source of the unauthorized information on my credit report. I also request that you remove any unauthorized information from my credit report and provide me with an updated copy once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX I submitted a request to Experian to have some personal info updated on my credit report. On XXXX/XXXX/XXXX I received a response that the info was updated and they included a new copy of my credit report which had a long list of inaccurate addresses and other personal information. On XXXX/XXXX/XXXX I sent them another letter asking them to remove all the inaccurate addresses. The only address that should be on my report is the XXXX on my driver 's license. Today, I checked my credit report and noticed that NOTHING was updated - even from the first letter. I DO N'T UNDERSTAND HOW THEY CAN LIE AND SAY THAT THEY UPDATED MY INFO AND NEVER DID. THIS IS COMPLETELY UNACCEPTABLE!!!!
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter in XX/XX/2017 and XX/XX/2017 by certified mail and I also did a dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letters and the online dispute and they completed the request. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Something is showing on my credit report that does n't even report a name of a company. It 's showing as Not Reported. How can that be? How can that be considered validated or even verified? I really need help I have tried to dispute it with Equifax but no luck getting it resolved.
Product: Credit reporting or other personal consumer reports

I was a resident at the XXXX XXXXXXXX XXXX from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to constance maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to XXXX  months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).