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

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, Transunion, and XXXX credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?
Product: Checking or savings account

In XXXX I made a purchase of the software on-line. The software does not work and the developer has not provided license key or activation code. On top of that developer and the Vendor failed to reply to my multiple messages. As a result of this I requested a full refund from HUNTINGTON BANK. I have also delivered copies of Emails sent to the vendor ( Asking for help to resolve th eproblem ). After 2 months investigation I was informed that the case is resolved in my favor. I have also received official phone call confirming the case resolved and closed. 
XXXX after the confirmation I noticed that the Huntington Bank reapplied again the same charges to my account. As an reaction to the SCAM I immediately withdrowed all my funds leavling account at around {$100.00} ballance. After the purchase charges were re-applied, my account shows negative balance. 
In recent years ( after TCF bank became Huntington Bank ) I have nothing but problems with this institution and I am about to close my account. Prior to closing however I demand to correct the situation with the founds. This case should ber classified as SCAM. I officially refuse to pay and ballance or fees related the the transaction in question!
Product: Payday loan, title loan, personal loan, or advance loan

my lease was going well I made all my payments on time and never missed any of my payments until XX/XX/year> when was time for the payout of the sum of XXXX that ACIMA double charge my account twice another XXXX so my bank called to inform me of fraud on my account because of the double payment I informed XXXX no it was not fraud but I only agreed to a one-time payment of XXXX on my account ending in XXXX and only the amount so XXXX  inform me because I took knows of one of the payments they were going to return both payments and not charge me a return fee of XXXX for each payment. 
I called ACIMA XXXX XXXX to inform them of the double charges and ask to resume a new payment because the last payment was flagged as FRUAD they stated they could not do anything until it cleared their system because on their end it was still pending I call back on XX/XX/year> to what was going on I was then informed by the rep the I have a charge of an additional {$400.00} to balance I stated I call three different time to clear up my debt which they report to the credit report. they told me to call XXXX with them on the line to say to them it was a double charge XXXX  fraud stated no because they took too long to come on the phone they wanted the bank and stated I only have half of XXXX 's statement that not good for ACIMA it's crazy they can either take the Bedroom set back or charge my account for XXXX
Product: Checking or savings account

I signed up for a checking account that offered {$300.00} bonus after being opened for 3 months and having {$1000.00} in qualifying deposits. I've met all the terms and have yet to receive the money in the account.
Product: Mortgage

At closing on XX/XX/XXXX during my review of the loan documents I discovered that the loan amount had been changed to a lower amount then I applied for, and had been discussed with the loan broker. The loan amount change had not been disclosed to me prior to closing. I reached out to the loan officer to see if a mistake had been made on the documents and I was informed that the lender changed the loan amount. I informed the closing document signing agent that I would not sign the documents. I emailed the loan brokers requesting a loan amount increase. On XX/XX/XXXX I was informed by the loan broker that the lender would not increase the loan amount, I replied at this time that I would not go forward with the loan and I wanted a refund of the {$750.00} I paid for the house appraisal that the lender required prior to closing. The broker informed me at this time that there would be no refund, and I never received an explanation.
Product: Vehicle loan or lease

On XXXX XXXX l sent a letter to Toyota Financial Services Administration respectfully requesting a lower monthly payment of $ XXXX {$390.00}. 

I have a Extreme Permanent  Financial Hardship and family Members also has a Financial hardship because of Coronavirus Pandemic issues. 
I am respectfully requesting that Toyota Financial Services make my auto loan more affordable as {$480.00} is to much for me to handle. 
I respectfully request that Toyota Financial Services accommodate me on my ADA XXXX  Civil Rights Act under Department of Justice. 
I like to keep the vehicle, and continue making timely monthly payments after XX/XX/2020 of payments between {$380.00} - {$390.00} a month. 
This what l can afford on auto loan. 
Coronavirus Pandemic issues has impacted many of my family and America Citizens and Military Veterans in America.
Product: Credit card or prepaid card

I'm relatively new to the world of credit, I applied for one PNC Bank Credit Card and got declined, then the internet popped up more applications and I did not have knowledge that applying to other credit cards would hurt your score, so I applied to others and now I have some dings to my credit and credit card companies have sent rejection letters back saying that I have too many inquiries. Is it possible to get these inquiries off my credit report? I had no knowledge that applying and getting rejected hurt my credit and these websites like ( XXXX XXXX ) made it seem too easy to apply and it never warned me that it would hurt my credit. If i could get these dings off my credit it would definitely help, thanks.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. From this account ( XXXX ACIMA DIGITAL FKA SIMP ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records. including XXXX XXXX XXXX XXXX due to recent data breach and fraudulent use of my personal information without written, consent or authorization and violation of privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX Balance : {$2900.00}.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use eitheXXXX XXXX XXXX XXXX card on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the two female reps names who caused the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Product: Mortgage

XX/XX/2015, my mortgage was transferred from XXXX XXXX to Seterus , Inc . I set up automatic bill pay with Seterus, the first payment was set to auto-draft on XXXX XXXX. They payment never went through ( I was checking my own XXXX XXXX bank account ). The loan was due by XX/XX/XXXX, so on XXXX I got onto the Seterus website and paid it manually ( not via auto-pay ) so as not to be late on my mortgage payment. Two days after I manually paid the mortgage online, now on XXXX/XXXX/15... 4 days after the payment was SUPPOSED to have gone through, Seterus withdrew my mortgage payment. This double-payment resulted in me over-drafting my account, which resulted in further fees from my own bank, and I now have no money until the end of the month. Seterus has no listed phone number or email address to contact them to get the issue resolved. Issues must be resolved via fax or via mail ( actual mail, not e-mail ). I have faxed them, but it has now been almost 24 hours and I have had no response, and no way to contact them. I am now unable to pay all of my other bills and will certainly incur late charges on those bills as well.
Product: Credit card or prepaid card

I received a letter from American Express in XXXXXXXX XXXX XXXX that there was an account/activity using my information at their company, but no further details and the letter said to contact them. A few weeks later I received a bill for around {$9000.00}. I called AmEx and told them that someone had tried to open several credit cards in my name and had written bad checks from one of my account, starting the beginning of 2022. AmEx said they would cancel the account and dispute the charges. I received another letter in XXXX from AmEx, stating that the account was found to have been opened by me and my request to close it was denied. I called AmEx again in XXXX disputing the account once again and a few weeks later received another simple form letter stating the account had been judged to have been opened by me and my request to close it was again denied, no further information provided.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately CELTIC BANKCONTFINCO Account Number : XXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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. I have contacted XXXX, Equifax, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Product: Credit reporting or other personal consumer reports

I submitted to have adviser items blocked The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Product: Prepaid card

Approximately XX/XX/year>, I purchased a {$100.00} XXXX gift card from XXXX. I tried to use my gift card today to pay for a hotel online. The card was refused so I called the XXXX number and was told that my card was registered to someone else??? This after attempting to go to XXXX to register the card. I was told the account couldnt be found. I am searching the Internet and have learned that XXXX gift cards are fraudulent. Please help me. I would like to get this resolved. I want a full refund I believe at XXXX knows About this problem and continues to sell these Fraudulent gift cards.
Product: Credit reporting or other personal consumer reports

XXXX formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but XXXX  billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using XXXX app to monitor my payments the other system ( XXXX XXXX ) was using ACH autopay caused a return payment on these ACH. XXXX  app showed no autopay or alerts of return payment while XXXX  app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked XXXX to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. XXXX has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if XXXX feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on XXXX but please be honest with the final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name and address are incorrectly reporting. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX GA XXXX. There should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied to extend my credit multiple times and then given high interest rates on loans due to the adverse action letters stating adverse items in equifax consumer report was the reason. 

Pursuant to 15 USC 1681 a ( 3 ) Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to ensure the consumer reporting agencies exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax report about me is unfair and impartial because I was never consulted to verify if the information was accurate or if I even wanted the information reported at all. Equifax has not exercised their responsibility as evidenced by hundreds of inquiries theyve allowed on my consumer report. The 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my rights to privacy, by reporting these accounts and inquiries without my consent and written instructions. These actions by Equifax are also violations of the Gramm-Leach-Billey Act, referenced by 15 USC 6801 and 15 USC 6802.
Product: Debt collection

I filed chapter XXXX in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( XXXX ) credit card and line of credit home equity serviced by XXXX was discharged. However the lien was placed on the house. Later XXXX sold the lien to XXXX XXXX ( the current lien holder ). 

The XXXX XXXX XXXX XXXX ( MCM ) sent out collection notice on the behalf of XXXX XXXX XXXX during XX/XX/XXXX. On XX/XX/XXXX, I contacted MCM and spoke with XXXX XXXX at XXXX ext XXXX. XXXX XXXX told me the settlement of {$5800.00} if I pay now will result in removal of lien. On XX/XX/XXXX I paid the agreed amount with understanding that the lien will be removed. 

On XX/XX/XXXX I contacted MCM the status of lien removal from the property and the consumer support at ext XXXX told me of my payment was for the discharged credit card in bankruptcy and has nothing to do with the property lien. MCM representative lied to collect on already discharged debt in XX/XX/XXXX.