23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There are 2 things that happened : the biggest thing was, i was lied to on the phone when I was called to settle on my business credit card with chase bank. I asked three times if the XXXX $ and some change they requested would close the card and be done, and person said yes. I asked there times. I went to check a few days later and the card was charged a XXXX $ something but there was still a balance. I called and talk to a manager XXXX. He ; pulled call and said wow you are right you asked three times. So he said he would send in to get balance taken off. It got denied by however was above them. I felt lied to and it should have taken care of balance as i was led to believe. I was so mad I asked to close my personal account, leaving my business account open. I called earlier this week to tell bank i had a XXXX $ return coming back into account but i wanted it rejected or sent to business account. I was told since the account was close it would auto reject and i need to do nothing. Well it went through, when i called to day to explain they said there was nothing i could do because the account was not fully closed yet. Its been over a week since I requested it closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies in my credit report and to address issues related to the timing of my payments under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Credit Reporting 15 USC 1681 ( A ) ( 2 ) Under 15 USC ( A ) ( 2 ), I have the right to dispute information that I believe is inaccurate or incomplete. I have reviewed my credit report and found the following discrepancies : Account XXXX TransUnion : Dates : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Last Activity Inaccurate TransUnion XX/XX/XXXXXXXX XXXX Last Activity Inaccurate XX/XX/XXXXXXXX XXXX Last Activity Inaccurate XX/XX/XXXXXXXX  Amounts XXXX  I am requesting the removal of late payments of inaccuracies...
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score
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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX 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: Debt collection

I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received a letter dated XX/XX/18 detailing that WITHOUT my consent Equifax placed a fraud alert on both my credit report & email address, also forwarded unauthorized alert to both XXXX  & XXXX. Several phone calls later Equifax claims to " begin processing '' alert removal, but refused to forward removal attempts to the two other bureaus, both refusing to personally remove alerts. 
This demonstrates a willful mishandling of consumer personal information as each bureau now requires " special handling '' because they refuse to ask identifying questions to remove alerts. An audit of Equifax is required as this highlights their history of data breach & failure to accurately organize & safeguard consumer data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX XXXX XXXX. Application rejected they say due to Equifax report. Checked and my Score Very Good XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ITEMS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and DELETED : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is experian did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed and depressed from this matter. 

Ive attached my previous credit report and my new credit report to show how experian violated my rights.
Product: Credit card or prepaid card

I have had an Direct Express Card for a very long time. And ; recently, I had put in for a new Card. Its been well over 3 weeks now. And ; I have still not gotten it. My Mom ; and I both ; have been trying to call to get this issue cleared up. But ; when can not get ahold of a live person to talk to involving this issue!!. I am on XXXX, my brother had to my rent this month, I havent been able to buy groceries, or anything for that matter. I dont know, what I would of done without the help and the love of my family. But ; its not their situation. And ; I want my new card!?. I dont know what is going on with these people. But ; I after I get my new card. Im, not going to be using them!?. No more!!. But, I need to get my new card with my money!!. Ive, even texted the President of the Company!?. Left my e-mail address and everything!!. No reply!?. Just ; got online with these people again, and, yes, they can help me, For ; a fee, that is!?!. Now, how do these people, want me to pay them a fee, when they have my card and my money. And ; they arent going to get another dime from me!!. Ive called the U.S. Postal Service ; as well. Just ; keep getting recordings of ; Sorry ; due to the Co/Vid ; we are having lack of staff. And ; then it hangs up on you!!. Something ; is terribly wrong, And ; theyre are So many other People ; talking about this Business!!. And ; how they are having trouble ; as well. Thank you for your time. Please ; let me know what 2 do next?!!. Thank you!!.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquiries on my XXXX  credit report by a XXXX XXXX and 1 from PayPal Credit. I have no idea of who or what these companies are.
Product: Mortgage

We have been in the process of re-financing a loan with NewRez LLC since an initial application in XX/XX/2020. 
Numerous promises of immanent closing have been received beginning with the receipt of the Initial Disclosure Package dated XX/XX/2020. 
Because of the delay on closing from NewRez, the entire ( or portions thereof ) package of financial documents have needed updating several times, XX/XX/2020, XX/XX/2020, XX/XX/2020. 
There have been multiple inquiries from our end into the status of the process and most have not been responded to and when there is a response it is that the process is near an end. However, nothing other than requests for updated financial documents and more promises are received. 
We consider that there is easily ample financial backing to complete the process and see no reason for the continued delay. In addition considerable financial harm has been incurred because of excess interest paid on the current loan and loss of revenue from a premature sale of other investments. Total financial loss to date is approaching {$28000.00}. 
In summary : 1 ) NewRez has not made a timely credit decision.

2 ) NewRez has not provided any communication about any credit weaknesses that have caused the continued delay in processing or closing.

3 ) The delay by NewRez has caused financial harm due to the ongoing delays including added interest expense on the loan and lost income on investments.

4 ) Requests to have this situation resolved internally multiple times by email, mail and phone calls including requests to file formal internal complaints have all been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already recently filed a complaint against XXXX XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past Friday on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, XXXX had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from 6 months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past Friday, I asked what would now be my balance? She declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.
Product: Credit reporting or other personal consumer reports

Certified dispute letters were mailed on XX/XX/2024 and received by Transunion on XX/XX/2024 Transunion claims the documents were not sent by me even though I provided proof of identity. They are purposely stalling my dispute investigation requests. I requested a verification of debt, Transunion did not provide this information. 
I am requesting what their method of verification used was and to provide all of my written requests as required by FCRA laws. See dispute letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a federally protected consumer has been violated there are 2 accounts reporting on my consumer report that i did not consent to, authorize nor benefit from them i need those 2 accounts removed from my consumer reports immediately or i will be seeking litigation. I have attached the letter i mailed to capital one and an FTC report as well.
Product: Money transfer, virtual currency, or money service

I received money on PayPal from my friends. They were just helping me out and PayPal assumed I was conducting business on their platform and I wasn't. I'd like my account to be restored as I need it now and cant wait 180 days it's too long. My PayPal account email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inquiries linked to your company that I do not recall authorizing. As I understand, such inquiries should only appear on my credit file with my explicit consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a credit report in my birth name using my middle initial as I have been using this name all my life. My report came to my address without my identifying middle initial. My son has the same name but with a different identifying middle initial. So when my report came we did not know who the report was for because they decided to omit the middle initial. If I order a credit report and on the report it has my middle initial then the name for who is to receive this report should have that identifying middle initial. This mailing did not have the middle initial. This however has caused me problems not only on previous reports after my sons information was on my report but also other problems when anyone decides to omit this initial. I had to send in to the credit report companies all of my identifying information last year because of this problem. The report itself is correct but when they mail it they ( whoever ) decides to mail it without this initial. That initial is the same as someone who has a suffix like junior or senior.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at
Product: Credit reporting, credit repair services, or other personal consumer reports

After resolving an issue with Honda involving the abuse of a POA, HONDA and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving Honda was partially responsible for the vehicle being unlawfully possessed, HONDA instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX or progressing due to the account still negatively impacting my security clearance.
Product: Credit reporting or other personal consumer reports

Did not authorize to use my information Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

hello i did not authrised theses transactionn police reprt # XXXX yes i left on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXetruned hom, e to XXXX tn on XX/XX/XXXX drunig this time a site that i have used modo.us withdraweld over {$7000.00} from cheecking actt with my debit card all so the bank aloud my actt to be come over dranw buy {$2500.00} the bank says this is a spenind habit of mine with XXXX i do not disagree that i have not used XXXX  but not the dates XXXX XXXX bank has denied me any credits they will be reopen case but could take more thank 30days allso there risk mgt called me and they closed my actt with them i belive the bank should of cut these chages off some were i was in the XXXX XXXX XXXXXXXX and XXXX can not do bunnies there XXXX XXXX XXXXXXXX rest i askiing the bank to please give me credit bank fro all charges to modo.us from XXXX XXXX i did not authrised them i any to post a recpit of were i travl i pad for tickets bank fith third bank Mon, XX/XX/XXXX XXXX - XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mon XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During closing process mortgage company mishandled amount needed to pay insurance company. Insurance requested more payment which my loan was sold to another lender. I handed over my loan number because I thought they were just needing current loan company. Which this in turn pushed my escrow in to negative balance. This also messed up future escrow because monthly escrow was not enough to cover the following years insurance. I then got a notice of shortage of about {$3700.00} which XXXX of that was due to the mess up on the original closing. This in turn caused my mortgage to jump $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Transunion is not reporting with 100 % accuracy on my consumer report. I have also not heard anything in regards of the dispute made on XX/XX/XXXX, for XX/XX/XXXX would have been the 30th day from submitting the dispute.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( XXXX ) XXXX XXXX XXXX of XXXX, Tennessee, and ( 2 ) West Lake Financial Services. 

XXXX Recall Information was provided too Westgate Financial and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, Westgate Financial proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX 

My XXXX XXXX XXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) XXXX slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX XXXX transmission. 

Despite XXXX recalling XXXXXXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX  due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX  transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX XXXX  This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX  transmission with the fix reprogramming of the Transmission Control Module ( TCM ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, Westgate Financial reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!