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

RE : Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too. 

BMW Financial of N.A. or BMW USA only reports to XXXX and therefore XXXX can not see the 4 year history of payments on my XXXX vehicle and its status as Closed in Good Standing. I am trying to get a credit line with a bank who relies on XXXX  not with XXXX where this favorable history was reported. I can not add this info to XXXX unless BMW Financial of N.A. or BMW USA agrees to send it and they are not because as XXXX explained, BMW Financial of N.A. or BMW USA is following Federal Law by having only reported to one bureau.

This creates a disadvantage for consumers when creditors both : report to only one bureau, and when consumers want a line of credit from a creditor who relies exclusively on a credit report the consumer can not add favorable credit histories to because by law a creditor is required to report to one credit bureau. Consumers can't migrate favorable credit histories to creditors who may exclusively rely on one bureau.

Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.

Resolution : Allow consumers to migrate their favorable credit histories between the bureaus by having the bureaus either give consumers templates and contact info to do so bt/ the bureaus or to issue such favorable credit history reporting in correspondence between the bureaus on the consumers behalf.

My account # which is closed and in good standing is Loan Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion will not fix an error it has been reporting on my credit file - i have disputed numerous times and they refuse to fix it. the dispute is with a XXXX  XXXX auto loan - from XXXX they report my last payment date as XX/XX/XXXX - this is not correct - the first date the account went delinquent AND STAYED DELINQUENT was XX/XX/XXXX - i know this for fact as i was in the XXXX maryland XXXX homeless shelter XXXX ( located at the XXXX XXXX  XXXX XXXX XXXX and i have a letter from them on their letterhead validating this fact - i can send if needed ) - i had no money to pay anyone i attached transunion 's own report i pulled and you will see where transunion reports the last payment was made in XX/XX/XXXX and never got out of delinquent status. so this being the last payment date - this item should be scheduled to be removed from my report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that Bank of America reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that Bank of America doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

Bank of America car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX XXXX XXXX and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.
Product: Vehicle loan or lease

My PENFED XXXX is paid in full each month. There is AUTOMATIC AUTO PAY that no one has seemed to be able to see or REMOVE that assumes a minimum payment will be paid WHEN IN FACT, the whole amount in full is paid. Based on this, the auto pay prevents me from paying my account off in full by the due date as it states, you have already made a payment. Therefore, I have had to pay my account in full the day before it is due. Thus, making the assumed interest assessed by the AUTO PAY incorrect. Furthermore, PENFED accounting, each month shows inconsistent calculations for the daily rate of XXXX for the loans that have been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OKLAHOMA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OKLAHOMA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded in vehicle and the finance back was Wells Fargo, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 reporting or other personal consumer reports

I am writing to request an update to my personal information in your records. Upon reviewing my credit report, I noticed that certain details are inaccurate and need to be corrected. Below is the incorrect information currently listed on my credit report and the correct information that should replace it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a non deliverable address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This fraudulent, inaccurate, and false information consist of auto loan, credit cards, personal loans, car insurance, collections, and hard inquiries. 

Account Name XXXX XXXX, Account # XXXX, Account Balance : {$10000.00} Account Name : XXXX XXXX XXXX Account # XXXX, Account Balance : {$2200.00} Account Name : XXXX, Account # XXXX, Account Balance : {$370.00} Account Name : XXXXXXXX XXXX Account XXXX XXXX, Account Balance : XXXX Account Name : XXXX XXXX, Original Creditor : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Balance {$180.00} Hard Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX Account # XXXX U S DEPT OF ED/XXXX Account XXXX XXXX and XXXX U S DEPT OF EDXXXX Account # XXXX and XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received two pre-paid credit cards for XXXX dollars each as a gift for XXXX in XXXX of 2020. They were issued by XXXX under license from VisXXXX. They are distributed and serviced by inComm Financial Services, XXXX XXXX XXXX, XXXX Georgia XXXX. When we tried to use one of the cards, it was discovered that there was only XXXX cents on it ; not XXXX dollars. These cards were received in the factory packaging and had not been tampered with. I filed a claim with the distributor inComm ( Claim # XXXX ) explaining that I had not made any purchases with it and in fact just opened the packaging for use in XXXX. XXXX performed an investigation and I was told that the purchases had already been made prior to my having the card ( XX/XX/2020 ) and that they were " sorry '' but there is nothing they could do. Bottom line is I received the equivalent of an empty box for a gift and the credit card distributor is unwilling to do anything about it.
Product: Credit reporting or other personal consumer reports

The following inquiries are due to Identy theft XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX  Inquiry : XX/XX/2024 XXXX Inquiry : XX/XX/2024
Product: Checking or savings account

I deposited {$2800.00} in cash into a Chase Atm at a branch location and the atm printed a precept that stated call to check if deposit was credited. Well the deposit was not credited and all management at the branch told me they couldn't do anything about issuing a credit to cover my deposit. The call number for chase told me it could take 2 buisiness days to issue a credit and 10 days clear the deposit. I have bills that are going to bounce now due to not having access to my funds and not recieving credit to my checking account for the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I contacted XXXX XXXX XXXX about TV and internet service. I was told i would have to pay a large non refundable deposit. They claimed my cretit score was too low. I received a letter the following week from XXXX XXXX XXXX stating that a company named Sage Stream gave me a credit score of XXXX out of XXXX. I requested and received my credit report from a company named XXXX XXXX XXXX who apparently contracts with Sage Stream to do the credit search. The credit report was excellent, yet Sage Stream gave me a very low score. My current credit score from XXXX is XXXX out of XXXX. I have now tried contacting Sage Stream no less than 6 times to resolve this matter but to no avail. Any help you can give me to resolve this dispute would be greatly appreciated. I will also be filing a complaint with the Texas State Attorney Generals office.
Product: Payday loan

I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with one of Experian 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX  - XXXX XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Student loan

I called Mohela XX/XX/XXXX & put in a refund request for a {$3000.00} payment I made on XX/XX/XXXX and was told it will take 90 business days to process. I called in XXXX & XXXX, they said it was still processing and that they will push it through for me to process since it was over 90 business days. I call back in XXXX and they said they dont see the {$3000.00} payment posted to my account. Well why didnt they say that in XXXX when I put in the request? How are you processing a refund for a payment you don't see and I talked with multiple people, makes no sense. So I send them my bank statement showing they took the {$3000.00} out of my chase bank XXXX XXXX. I call back two weeks later ( XX/XX/XXXX ) and after an hour and half, talking to 3 people the solution is they need to submit a request to accounting to apply the {$3000.00} payment to my account because it got lost somewhere ( RIDICULOUS! ) then they can process the refund which will take another 90 business days, UNBELIEVABLE! That will be a whole year. They took the money in 1 day but takes a year to give it back. Im refinancing my loan with XXXX XXXX  in XXXX as soon as i finish school. Ill never take a loan again. I am now calling them again XX/XX/XXXX, to follow up since no change. I am now calling them again XX/XX/XXXX, to follow up since no change.
Product: Mortgage

I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, several unauthorized transactions were made with my prepaid Bank of America EDD debit card... visaprepaidprocessing. I filed a claim over the phone but realized the agent did nit include all the fraudulent transactions in the claim..I called back and filed an additional claim for a little over {$300.00}. 

All the unauthorized transactions were made on XX/XX/2023 and the unauthorized merchant is a company called XXXX. 

On XX/XX/2023 I was surprised to see BOFA had given me a credit of {$320.00} for the claim I had filed after realizing the agent did not include these transactions in the original claim. 

So if they approved XXXX to be reimbursed for unauthorized transactions made on XX/XX/2023 through a company called XXXX, then why didn't they reimburse me for the other claim, the one with unauthorized transsctions dated XX/XX/2023, all from XXXX? They approved XXXX but not the other. I got a letter in the mail with a vague evasive answer why it wasn't approved. 

I have since requested a reconsideration 3 times and have requested this be escalated. I'm only told reconsideration requests can take up to 45 days. 

Ridiculous and unacceptable. What kind of intelligent people do you have working in your back office? Who decided they're going to approve one claim for fraudulent purchases made on the same date as the other purchases, which were then denied? This makes absolutely no sense. I do not understand how you can approve one claim for unauthorized purchases made on XX/XX/2023 from XXXX ... but not approve the other claim for unauthorized purchases made on XX/XX/2023 from XXXX. 45 days is not ok. This is too long to wait for someone with half a brain to see BOTH CLAIMS SHOULD BE APPROVED. YOU APPROVED REIMBURSEMENT FOR ONE CLAIM BUT NOT THE OTHER.

APPROVE MY CLAIM!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.
Product: Vehicle loan or lease

My car was repossessed XXXX XXXX XXXXXXXX. I never got a notice or email that my car was up for repossession. I hate to pay {$1000.00} to get it back.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA Experian violated my rights by reporting my payment late under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.