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

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
Filed complaint with CFPB on XXXX2022 complaint number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach is credit report with inaccuracies highlighted
Product: Student loan

The Education Department website states that borrowers who have reached their IDR milestone for forgiveness should be placed on general interest free forbearance due to 8th Circuit injunction but Nelnet says only those on SAVE get interest free forbearance. It is contrary to ED website policy
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a closed account that hindering me to use my credit the account is credit strong
Product: Credit reporting

XXXX not reporting accurate information on XXXX credit agencies ... XXXX Transunion my account it states that the account was opened XX/XX/XXXX but on XXXX and XXXX it states the account was opened XX/XX/XXXX. Last payment on Transunion is dated XX/XX/XXXX but on XXXX report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. Transunion report states that the account was closed XXXX/XXXX/XXXX. However there is no information on date closed on XXXX or XXXX report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, Transunion and XXXX is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of incorrect data on my credit report. I have reached out to the agencies to remove this things off my credit and no luck. I have tried to reach out with a legal team and was getting a run around. I am very frustrated at this point because my information is at risk. I need all these data completely removed off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXXXXXX Account Name : U.S. Bankruptcy XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have an account with paypal. went to use it 3 weeks ago and could not log on. Was told there was fraud and so they closed the account and recreated it. Since then I have not been able to logon. Multiple calls and hours spent trying to get help logging on or to close my account and get my money back I keep calling and ask to speak to a supervisor and CAN NOT get my money sent to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.
Product: Vehicle loan or lease

The company took advantage of my XXXX and discriminatory predatory lending because I received XXXX. Then they are holding license plates till first payment and That is two weeks after purchase XXXX I was pulled over with expired temporary tags when I went to the Fast Finance company to talk with TNT Financial XXXX XXXX Mi XXXX XXXX city XXXX MICHIGAN XXXX XXXX 
Sales tax license number XXXX dealer license number XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX. 
Vehicle identification number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX AND EXPERIAN CONTINUE TO ONLY XXXX  INFORMATION FROM CREDITORS AND THE ONLY THING XXXX AND EXPERIAN DID is submit the dispute through a computerized system known as XXXX  THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. XXXX XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) XXXX AND EXPERIAN should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!
Product: Mortgage

I am a consumer affected by Corona virus pandemic. I've lost my job as a result. My lender is JP Morgan Chase. I contacted Chase to set up a deferral of mortgage payments for 90 days. Chase offered me the deferment. 

After around 60 days, I received a letter from Chase stating that my loan was sold to a third party provider, XXXX XXXX XXXX XXXX XXXX ( XXXX ), and that my mortgage payment will be due to XXXX starting XX/XX/2020. The letter states that, albeit my payment to XXXX is due on XX/XX/2020, XXXX will send me a letter with a new loan number and other " important '' information on XX/XX/2020. 

In addition, now I've received email from Chase stating that my statement balance to Chase due on XX/XX/2020 is in the amount of {$13000.00}.
Product: Checking or savings account

XXXX XXXX XXXXXXXX Usbank states a maintenance fee will be " waived '' if certain conditions are met by the consumer as stated on the deposit agreement. 

In reality us bank still charges a maintenance fee of XXXX and also applies a XXXX credit maintenance fee reimbursement. 

" Waive '' means to refrain from doing something. In usbank 's case waive means applying 2 transactions to account. 2 transactions do not qualify to be a " waive '' or a " waiver ''.
Product: Vehicle loan or lease

On XXXX, Ally Financial had my car wrongfully repossessed. They claimed in a chat I had with them that I owe them over {$1500.00}. When asked why I owe this amount, they claimed I owed monthly payments from XXXX, XXXX, and XXXX of this year. One of the screenshots provided shows this. The other screenshot shows that this is false and I indeed made the payments for XXXX, XXXX, and XXXX of this year. 

There is no easy way to get in contact with this company. They hang up on chats and are rude and extremely unprofessional. I tried to log in to make my XXXX monthly payment, couldn't do it because of the repossession status on the car. I emailed them time and time again to let me make my payment and they said they would and never did. And then they don't respond to any emails.
Product: Credit reporting or other personal consumer reports

I submitted a type-written dispute letter with a clear copy of my current drivers license, front and back, a clear scan of my social security card and, a current electric bill scanned and clearly visible. I sent this letter via certified mail on XX/XX/year>. Today XX/XX/year> I received a notice dated XX/XX/year> from Equifax stating that my documents were illegible. They clearly received the mail which I am including showing, the letter that was mailed and recevied by them. They are clearly trying deny me of my rights to request they investigate and correct any inaccurate or incomplete information being reported including my actual address.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX violated the law when they allowed information about my private business to be report to my consumer report. 
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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Bank account or service

I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.
Product: Credit reporting or other personal consumer reports

am filing this complaint against TransUnion for failing to ensure the accuracy of my credit report and violating the Fair Credit Reporting Act ( FCRA ). 

I previously disputed the accuracy of account XXXX XXXX XXXX XXXX with TransUnion. However, despite my dispute, TransUnion continues to report this account, while XXXX and XXXX have already deleted it. 

Under 15 U.S.C. 1681e ( b ), TransUnion is legally required to maintain maximum possible accuracy in reporting. The fact that two other major credit bureaus have removed this account strongly indicates that the information is inaccurate, unverifiable, or outdated, and should also be deleted from my TransUnion report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be deleted. Since the other bureaus have already deleted this account, it is evident that verification was unsuccessful, meaning TransUnion is violating federal law by continuing to report it. 

I have provided multiple requests for a proper reinvestigation, but TransUnion has failed to correct this error. Their continued reporting of this unverifiable account is causing harm to my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a debt validation letter to Bank of America ; Account Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ], on XX/XX/2020, via Certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). 

Bank of America failed to provide me with the information I requested in the letter, and failed to place my account " in-dispute '' status. 

I received a letter from Bank of America, dated XX/XX/XXXX stating the validation of my account, failing to report to me, or credit agencies that my account was ever in dispute.

See attachments : 1. Letter mailed to Bank of America.

2. Delivery Confirmation of Debt Validation letter.

3. Credit report as of XX/XX/2020. 
4. Credit report as of XX/XX/2020. 
5. Bank of America 's reply to my debt validation request.
Product: Money transfer, virtual currency, or money service

I extended my car lease, Infiniti XXXX, for additional 6 months after due date. The additional payments made lowered my actual payoff amount to {$26000.00} vs the amount listed on lease agreement {$29000.00}. The company is refusing to use the additional monies paid towards the payoff, and charged the full value listed on lease agreement to buyout the car. I spoke to supervisor XXXX, who said that he will honor the old guidelines, since they were recently changed, and will issue a refund between the difference of two values. He also said that he will call me back and never did. I called the company multiple times afterwards, spoke to various supervisors, who also did not call back. Eventually I spoke to supervisor XXXX, who said that he will not be issuing a refund. I tried to explain that the first supervisor I spoke to already said that he will issue the refund and I am just calling to confirm when my refund will be received. The company is still refusing to issue a refund that was promised by the first supervisor.
Product: Debt collection

I sent in several disputes to Rent Recovery Solutions. They are reporting to all 3 Credit Bureaus for 2 collections Account # ( XXXX For {$500.00} & {$4000.00} ) My 1st Dispute with them sent was a ( Validation/Pay to settle w/ offer_ 30 days to respond ) @ the address XXXX XXXX XXXX # XXXX XXXX, GA XXXX. Which was excepted by Return Receipt Sign by XXXX XXXX on XX/XX/XXXX I then waited and then replied back sending them a 2nd dispute to them for ( Violation of rights/ Validation Request/ Estoppel by Silence/ 15 days Respond Upon Returned Receipt ) I also waited and Sent Dispute letters to all 3 Credit Bureaus for investigation on XX/XX/XXXX. Awaiting a response from RRS. I get letters back from XXXX Verifying the dept from them. XXXX deleted the disputes. I haven't heard back from XXXX yet. I then get my 2nd dispute letters sent back to me ( Returned TO Sender ) Next I called their RRS company. The 1st associate told me she would have to take a ( Lift a Not Communicate ) with me off and transfer me to my caseworker. I explained I sent my 1st dispute and it was except at the 1st address above. asked if they have gotten the letter she said no. I then said that I sent my 2nd dispute to them and it got sent back Return to sender. she asked what address I sent it to. I couldn't remember and couldn't get to the address told her all I know was that the address had XXXX in it. She gave me the correct address. When I got off the phone with her I got home and googled the address I sent the 1st dispute to. the XXXX turned out to be the XXXX XXXX in the 1st and 2nd dispute letters sent. Found out it was still an office for them and has a website and XXXX attached to it. I made copies of all disputes sent and their websites to show they have gotten my disputes as proof. I sent it along long with the 3rd dispute to ( Failed to Validate Request/ Violation of Rights/15-day response upon Return Receipt ) etc.. to the Updated address @ XXXX XXXX XXXX XXXX XXXX  XXXX Which they Received upon Return Receipt on XX/XX/XXXX. I looked at both Return Receipts and they were both signed by the same person ( From my 1st dispute XXXX XXXX on XX/XX/XXXX ) It has been almost 18 days with no response still back from them. I have found out since then that this can be reported because of them and them not responding according to my rights. I have also been trying to file a complaint with the XXXX XXXX XXXX but I can not seem to get to where I can get them to route me to where they accept my type of dispute..
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Factual Inaccuracy Dear TransUnion Consumer Solutions I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXXXXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information.

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I contacted Western Funding XXXX by phone at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about my interest rate ( received this info ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 

I contacted XXXX XXXX XXXX  by phone twice at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 



XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX info : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I am writing to express my deep dissatisfaction with the handling of our insurance claim funds following the damage to our home caused by XXXX XXXX. Our experience with LoanCare has been fraught with delays, miscommunications, and a lack of transparency, which has caused significant financial and emotional distress. 

Chronology of Events : Early XX/XX/year> : We mailed a check for {$100000.00} to LoanCare, intended for the rehabilitation of our home after it suffered XXXX inches of water damage on the first floor due to XXXX XXXXXXXX. 
XXXX XX/XX/year> : After numerous follow-up calls, we were informed that the check was processing. Subsequently, we received the same check, not endorsed by LoanCare, with instructions for us to sign and return it. There was no explanation provided regarding the handling of these funds, including whether they would be placed in an escrow account or if a new check would be issued. 
End of XX/XX/year> : Utilizing our prepaid mailer, we promptly returned the signed check to LoanCare. 
End of XX/XX/year> : We complied with LoanCare 's request to upload various documents, including the contractor 's license, XXXX form, proof of insurance, and the scope of work. 
XX/XX/year> : LoanCare contacted us, stating that the XXXX form was outdated ( not within the last year ) and therefore unacceptable. This notification came after an inspector from LoanCare had already confirmed 100 % completion of the rehabilitation work, which we financed entirely out-of-pocket. 
Current Situation : As of today, LoanCare continues to withhold the {$100000.00} insurance funds, despite the completion of all repairs and the submission of the required documentation. This withholding is unjust, especially considering that we have already borne the full cost of the repairs.

Impact : While we have managed to cover the repair costs, I am deeply concerned about other homeowners affected by similar disasters who may not have the financial means to do so. LoanCare 's convoluted and opaque process could cause undue hardship to many.

Requested Resolution : Immediate release of the {$100000.00} insurance funds to us.

A comprehensive review of LoanCare 's procedures for handling insurance claims to prevent future occurrences of such inefficiencies.

Clear communication and guidance for clients regarding the claims process, including detailed explanations of required documentation and timelines.