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

Hello, Per my last complaint filed on XX/XX/XXXX # XXXX ; I received my re-investigation back from TransUnion. The said that everything is 100 % accurate. I would like to recieve the description according to 15 USC 1681i ( 7 ). Because the list of accounts are not accurate. The open date, the date last active, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached both my most recent consumer report and their response letter dated XX/XX/XXXX ; approximately 4 days after filing my despute.
Product: Vehicle loan or lease

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX NC to purchase a new XXXX XXXX XXXX. The loan was written with Hyundai Motor Finance and include GAP insurance. On XX/XX/XXXX I traded in the above XXXX XXXX XXXX and the loan was paid off in the amount of {$48000.00} on XX/XX/XXXX with no additional balances owed. I began contacting both XXXX XXXX of High Point and Hyundai Motor Finance to cancel the optional GAP insurance product to receive a prorated refund and I have not received any solution. Multiple emails ( 2 ) and calls/voicemails ( 10 ) were made or sent to XXXX XXXX beginning XX/XX/XXXX that went unanswered until XX/XX/XXXX, which is when I was contacted by XXXX that he could assist. I signed the required documents that day and the request was submitted. Contact History attached Both of these businesses have continued to play the telephone game with Hyundai Motor Finance knowing nothing about GAP refunds and each keep telling me to contact the other and I have since been told by XXXX at XXXX XXXX that the insurance has been cancelled however funds can not be released to me even though I am entitiled to the refund. I have been advised that they are waiting on direction from Hyundai Motor Finance on how to distribute the funds, however as of XX/XX/XXXX they have not received a response to their submission on XX/XX/XXXX. I inquired as to why no one has reached out to Hyundai Motor Finance and I was told that they are watching it in an online " portal '', I assume like watching paint dry. Neither company is doing their due diligience to ensure the refund is being provided to me in a timely manner which is creating harm. I was told by XXXX that the refund has to go back to Hyundai Motor Finance so they can then in turn return the money back to me however that has not been done. So I requested the check directly since the loan is paid in full and Hyundai is no longer owed any funds. I have technically paid the GAP to Hyundai Motor Finance in full and am due the funds directly. I am unsure as to why there needs to be funds sent to a loan that is now closed.

I have been told by other Hyundai dealerships that Hyundai Motor Finance does not handle GAP refunds at this time and should go back to the initiating dealer. XXXX XXXX seems to be the only dealership that is not aware and is making it difficult. I feel at this point they are hoping I forget and they can keep the money that is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XXXX which is why I paid {$62.00} to catch up and I also paid again in XXXX. So I made a total of 3 payments in XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XXXX and that's why I paid $ XXXX  monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of 2022, I had a late payment entered on my credit report. There was a discrepancy of me making the payment on time as I had for approximately the 10 plus years that I had the account. Before becoming an American Express Macys card, I had a regular Macys account. After speaking with customer service, I was told that they did see that I had logged in prior to the payment being due but we were unsure of why it continued to show that the payment wasnt made. I was then told that the account would be updated referencing that I had had an account in good standing for so many years. Since then, my account continues to reflect the late payment although since then, the account has been paid. I am requesting that the late payment be removed from my account
Product: Debt collection

I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.
Product: Debt collection

I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone
Product: Debt collection

With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that XXXX XXXX XXXX ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00} and High Balance {$6200.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00}  XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment his

tory or consecutively as C/O reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge off close account.
Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by EQUIFAX, despite their failure to properly verify the accuracy of this information. EQUIFAX failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report.

1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EQUIFAX failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed.

2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements.

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness.

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm.

Supporting Documents : previous dispute letter submitted to EQUIFAX. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a payment that payed off my synchron y Walmart a ccount. Then 8 days later an auto debit payment pulled more money out of my account resulting in my account being credited. So the n Walmart issued me a check f or  XXXX  dollars and I brought the check into  Walmart  to cash it and they charged me  XXXX  dollars to cash it. They charged me  XXXX  dollars to cash their own check. What an unfair way to make money.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FO

R THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WI
THIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open. 
I filed this information last year and they still show this incorrect info in my file.
Product: Mortgage

Back in XX/XX/XXXX I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # XXXX for which Wells Fargo said I was denied back in XX/XX/XXXX now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a XXXX XXXX XXXX Ext XXXX tells me that i was accepted for a loan Mod but I never received the paper work back in XX/XX/XXXX because they could never find my paper work. So which one was it Denied? or Accepted? Funny that back in XX/XX/XXXX/XX/XX/XXXX they could never find my paper work until recently I was told that back in XX/XX/XXXX I was denied, Now they are saying I was approved but failed to sign and return their paper work for which I never got. This XXXX XXXX must think I'm an XXXX My question is if they could never find my paper work until recently XXXX minute I'm denied in XX/XX/XXXX and then in XX/XX/XXXX I was approved. All Wells Fargo wants to do is play games with people so they don't have to pay up. XXXX told me I short sold my home on Bad advice since I was approved They never could find my paper work. But Wells Fargo kept accepting my partial payments. XXXX called me on XX/XX/XXXX to put me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card anyways rejected because I was unable to get Experian to lift my credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of this, and the company proceeded without my consent.
Product: Debt collection

XXXX XXXX XXXX XXXX  is reporting accounts that don't belong to me on my XXXX  credit report. Account # XXXX ELEVATE RECO is reporting an account to my XXXX  credit report that does not belong to me.
Product: Checking or savings account

Opened a new HELOC ( at the same bank ) because the available draw on the old HELOC had ended at the end of 10 years. I received a statement on the old HELOC which showed an escrow balance of {$110.00}. Waited for a week to 10 days for PNC bank to send me a check for that balance. I was surprised that it hadn't been paid/settled/ credited to the new HELOC. Nothing ever came so I called PNC to ask for a check to be sent and they offered instead to deposit the funds in my checking account also saying they were surprised it hadn't been settled at the same time as the closing/opening of the old and new HELOCs. On XX/XX/XXXX I received a check from PNC for the {$110.00} and made a mobile deposit. The NEXT day, they credited my checking account with {$110.00} and did a stop payment on my deposit AND charged me {$12.00} for that stop on THEIR check which they sent me. The stop is justified but the service charge is NOT. I called PNC and was told I would have to speak with someone in the mortgage department ( which was closed ) to get that corrected. When the mortgage department re-opened, I called and was told it would have to be corrected by the customer service department which I had already called. I'm tired of the run around and all the wait times on hold!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't remember the dates as its been a while since I first brought this process credit reporting companies ( Transunion ) manipulating my credit score based upon arbitrary and capricious determinations.

Instead, they are basing the score on the number of credit cards I use ( 3 ) rather than my excellent payment record and credit with the credit card companies.

I brought this to their attention previously and as I stated it's been some time ago. 
But recently, XXXX when I received my billing online from the credit card company the also a service provide a FICO score. 
This is where the problem occurs. In or around XX/XX/XXXX and prior to that date ( I've had this service for quiet sometime. 
At the highest score in or about XX/XX/XXXX the FICO score was, XXXX. I then dropped XXXX points for no obvious reason. I obtained a COPY OF MY CREDIT REPORT AND REVIEWED IT AND THERE ARE NO ADVERSE SITUATIONS SUCH AS, PAYING LATE, EXCEEDING MY CREDIT LIMIT, CARDS BEING CLOSED DUE TO DELINQUENCIES, OUTSTANDING DEBT, BANKRUPTCY, ETC. 
THE ONLY 'REASONING ' TRANSUNION GAVE IS THAT I USE XXXX DIFFERENT CREDIT CARDS TO MAKE PURCHASES. NOT, THAT I HAVE AN EXCELLENT CREDIT REPORT, PAY TIMELY, HAVE NO ADVERSE REPORTS FROM CREDITORS, DISCHARGES OF DEBT, LATE FEES AND INTEREST, ETC. 
For a period between XX/XX/XXXX thru XX/XX/XXXX my credit score has went from a high of XXXX to a low of XXXX. This is when Transunion uses an arbitrary and capricious determinations to recalculate your credit score. 
I'm thinking realistically it should have increased to the maximum credit score,XXXX  I pay timely, even before the due dates in most cases. Even when having the account set up with what is referred to as, Autopay ( a directly withdraw from my financial institution monthly. Thanks, for your checking into this obvious intentional manipulation of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX