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

I looked at my report on the XXXX of XX/XX/year> and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account [ XXXX XXXX, XXXX - XXXX ], [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX - XXXX ], [ XXXX XXXX XXXX XXXX XXXX ] is not complete and is not accurate. 

I sent a letter on the XXXX XX/XX/year>. Here is my tracking number : XXXX Asking them to reinvestigate the accuracy and completeness of these accounts listed below : [ XXXX XXXX, XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXXXXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I got the investigation back but noticed that nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me, which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you look into this matter.
Product: Vehicle loan or lease

I took out a loan with XXXX XXXX XXXX  ( " XXXX XXXX '' ) for a used vehicle. I paid the agreed upon payments every month, on time, up until I started receiving calls from KeyBank. I didn't know about KeyBank prior to answering one of the countless phone calls from one of the representatives. I was informed that KeyBank merged with XXXX XXXX, and they're my new loan provider. They began asking me about missed payments, which was shocking, because I never missed a payment. Being that I had no idea XXXX XXXX was merging with KeyBank, I continued to write checks out to XXXX XXXX not knowing that they're no longer XXXX XXXX. I never received a notice about the merge. KeyBank continued to harass me about the " missed '' payments. I submitted proof of the checks, but that wasn't " sufficient proof. '' They threatened to repossess my vehicle if I didn't make payment towards the " missed payments. '' I told them I refuse to do so, because payments were made, and the money was taken out of my personal bank account. To date, I still receive multiple calls from KeyBank, and this issue hasn't been resolved. The bank is requesting for me to pay the full amount of the loan, which is not something I want, and I'm not prepared to do so. I signed a contract for a loan for 72 months, and it's unfair for the bank to disregard same due to their mistake. When a bank merges with another bank, documents and payments should be successfully transferred over to avoid issues like this. I did my due diligence by providing proof of payments made towards the loan. If you require any additional information, as this is a very brief description as to what's going on, please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Speedy Cash change me so much fee over the amount
Product: Credit reporting or other personal consumer reports

I called to create a dispute with the Wells Fargo company claiming that the date they reported as the first date of delinquency in inaccurate. I specifically asked for proof of payments before XX/XX/XXXX dating all the way back through the opening of the account. 

I was informed the typically take 15 days to respond. Upon the XXXX day ( XX/XX/XXXX ), they informed me that they would need an additional 15 days to investigate further. I received a phone call today ( XX/XX/XXXX ) from a gentleman that informed me that he does not have access to this information and can not provide the accurate proof needed to confirm my dispute. He recommended me reaching out via mail to the billing department ( seems oldy convenient that they couldn't transfer me or help in this matter considering a dispute was filed, but more importantly, it takes them over their XXXX period to answer my inquiry ). I'd like to note that referring me to another department after a full 30 days is not a fair answer to a dispute. He also provided with numbers for each of the credit bureaus making it seem further suspicious that as a representative of Wells Fargo, he didn't have access to the account information that would prove my dispute either accurate or inaccurate.
Product: Student loan

On XX/XX/XXXX I received a letter from MOHELA indicating that I had made XXXX PSLF qualifying payments. 

On XX/XX/XXXX I received a letter saying my student loan had been forgiven under the XXXX program. 

On XX/XX/XXXX I called MOHELA asking about if the XXXX extra payments were eligible for a refund. XXXX indicated that any payments made after XX/XX/XXXX would be reimbursed from the Department of Treasury. She indicated it could take up to 90 days to receive a refund. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. After hours of waiting and XXXX disconnections, a supervisor named XXXX advised me that there had been a mistake in processing and I was due a refund but it had not yet been processed by the Department of Treasury. She said she would ask for the process to be expedited since it had already been such a long time. 

I received a call from XXXX indicating that my refund was approved by the Department of Treasury on XX/XX/XXXX. The refund could take up to 90 days. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. I was told that I was due a refund of {$10000.00} and I needed to give it at least 90 days from the date of approval. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund and I was told it had not yet been processed by the Department of Treasury and to continue waiting. The customer service representative confirmed the refund in the amount of {$10.00}, XXXX. 

It is now XX/XX/XXXX and I have not received a refund. I have spent no less that XXXX hours on the phone with MOHELA. I have asked for written documentation that I am entitled a refund, and they refused. I asked for some form of communication from MOHELA when the refund has been processed and they have never communicated with me. I have asked to speak to numerous supervisors or for a number I can call at the Department of Treasury and they said they were unable to do that. The only thing I have every been told is to keep waiting. It has been almost a year since my loans were forgiven.
Product: Checking or savings account

We deposited XXXX to our bank of America account on XX/XX/2018 and never spent that much money had over XXXX in our account. It is now saying we are over drawn how can that be when we only spent XXXX what happened to the rest of the money. Very unhappy as even the withdrawals do not add up to the money we had in the bank where did the rest of the money go?
Product: Mortgage

I get XXXX sales calls re : Mortgages a day and its ridiculous. I want it to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX, a letter was sent to the creditor and the credit reporting agencys to validate the date. No one ever responded
Product: Checking or savings account

About 4 months ago I opened a Citi Bank bank account. A few weeks later on XX/XX/XXXX I got an email saying that my accounts would be closed and that they would send me my money within 60 days. 
This was 3 months ago which is more than XXXX ( business ) days. Every attempt to figure out where my money is and how I can get it back failed. Actually, employees in the branches can not help and say I need to call the hotline and when calling the hotline you just get connected from XXXX person to another until someone says they can not help me and they don't know what to do next.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Vehicle loan or lease

I bought a car from usauto .I had an accident XXXX XXXXMy insurance paid the value of the car and the gap insurance picked up the dificit. XXXX XXXX XXXX  took over the bankrupt company and is saying I owe over {$12000.00} and even put it on my credit.I have checks sent to both companies and even over paid the loan over $ XXXXthis car was paid in full with excess
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Ally Financial, I have also reached out asking that they remove the inquiry from my credit profile.
Product: Debt collection

Upon closely reviewing my latest credit report, I identified multiple fraudulent accounts that were added without my consent.
Product: Credit reporting

Experian credit Bureau sent me a credit report having numerous errors in the reporting such as, wrong social security number, date of birth, an address I never lived at and many Creditors I 've never borrowed from.
Product: Credit reporting or other personal consumer reports

As per the guidance from the 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 XXXXXXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block 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 are 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

The are unauthorized Inquiries reported on my credit report for the following : XXXX  XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by XXXX XXXX, Discover and XXXX  the Dept Store.
Product: Mortgage

I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. 

I responded to their response. 

According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. 

Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. 

How is it possible that my payment went from {$1000.00} to {$1200.00}? 

Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. 

Thank you for your time.
Product: Checking or savings account

On XX/XX/XXXX I received an email from the bank that my name had been updated on my account, then on XX/XX/XXXX I received another email that my SSN had been updated on my account, upon receiving this I contacted the bank to find out what was happening and my account number appeared under someone else 's name ( XXXX XXXX ) and no account linked to my social security number appeared, I went to the Capital One agency in XXXX XXXX and tried to get an explanation and after almost XXXX hours they told me that someone had deleted my information from the account and put someone else 's information, from that day until today XX/XX/year> I have not been able to access my accounts, this has led to me not being able to make my rent, telephone, electricity, cable/ internet payments, leading to extra charges.
Product: Credit card or prepaid card

I owned a Netspend card to which I lost on XX/XX/XXXX in the morning. Around XXXX on XX/XX/XXXX I was charged XXXX dollars from XXXX XXXX XXXX XXXXXXXX XXXX Card ending in XXXX - {$28.00} PENDING It is still pending but I contacted Netspend XXXX had to reopen a new account, call SSA to make sure my direct deposit goes into my new account and all that. I have looked all over online to see who these people are and with no luck.. I even contacted the number XXXX number and with no luck. Someone used my card and now I have to go thought all of this mess. I am very XXXX off and will not pay for something I know nothing about and never heard of...
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) has reported on Credit Bureau fraudulent negative credit. violating the California and Federal Fair Collection Act impacting and affecting my credit scores. I have received numerous calls and have informed them of my pursuit of suing the company, they represent as I made a six-month lease contract on a vehicle, and it turned out to be a six-year contract. Most of the contract was not signed by me but by the sales representative who fraudulently signed my name via electronic signature. 
The mentioned company has filed for bankruptcy and closed its business ; therefore, I have been gathering information and finding a way to contact the company XXXX represents, in this debt. In a conversation with one of XXXX, I asked the representative if I needed to include them in the lawsuit, I was pursuing for the original retail contractor ( XXXX XXXX XXXX  ) and her response was yes. 
I have requested XXXX for a copy of the Installment sales contract however they state, they do not have such documents, all they can provide is a history of my payments which it was provided by e-mail. Upon analyzing the history of payments, the document does not provide the total amount of payment already made yet it reflects a total of 6 paid terms, without cash value which was the total pay I was supposed to do for the six-month contract, furthermore, the history of payment submitted by XXXX shows a current balance of XXXX moreover, in a letter they sent me for a special offer it states the balance of such debt is XXXX while on the credit bureau XXXX they reported a XXXX debt. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have call Equifax and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the Equifax and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX